vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurately Reported Charged Off Account Dear Dispute Department, I am writing to request the removal of a charged-off account listed on my credit report by XXXX XXXX XXXX XXXX due to inaccuracies in its reporting. The account, with the number ending in XXXX, is detailed as follows : High Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Account Rating : Derogatory Account Description : Individual Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the XXXX XXXX 
Last Payment : XX/XX/XXXX Past Due Amount : {$7400.00} Account Type : Charge account Credit Limit : {$7400.00} This dispute is raised under the provisions of Title I of the Consumer Credit Protection Act, specifically 15 U.S. Code 1601, which mandates accurate and fair credit reporting. The derogatory nature and reporting errors of this account severely impact my credit score and do not reflect an accurate history of my financial behaviors. 

Given the serious discrepancies and the potential violation of the Truth in Lending Act, I request an immediate investigation into this account. Please remove this inaccurately reported account from my credit report within the statutory timeframe of 30 days as required by the Fair Credit Reporting Act. 

If the investigation finds that this information is indeed inaccurate, or if there is insufficient evidence to back the claims made in this report, I insist on the full removal of this entry from my record. If deemed frivolous, please provide the necessary documentation and reasoning behind this conclusion. 

Enclosed are copies of documents supporting my position. I look forward to your prompt action and a detailed response to this urgent matter. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target is reporting on my credit report a credit car I never open whit a different social y ready dispute this account with the credit bureau but when they send the paperwork to target they keep saying that account is mine, but when I called them and I provide the account number that is shown in my credit report, they can give me any information because theyre saying that account is no under my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Loan was behind on payments, creditor requested past due amount be paid by XX/XX/XXXX or account would be charged off. Payment was made in full for past due amount on XX/XX/XXXX, effective XX/XX/XXXX. Creditor charged loan off and is reporting as past due collection. Payments since have been on time however creditor is reporting as past due collection.

I am unable to get parent plus loan for my daughter having this on my credit. Knowing this is why I made sacrifices to get loan paid current by deadline. Highly disappointed they chose to put in collections despite receiving payment by date requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
While in civil litigation with XXXX XXXX XXXX XXXX, officials made errors and disclosure in the account to XXXX XXXX XXXX XXXX employees, agents and another male that's not my husband or anything else without my explicit or implied consent. SETF issued a repossession in response and retaliation by and through XXXX XXXX XXXX XXXX officials and lawyers for me suing them in federal court and to further cause me damages since I moved away. The account was transferred to collections and I was never notified and the terms were changed. The account should not have been sent to collections because I made XXXX XXXX XXXX dollars payments in advance of pay off on or about XXXX or XX/XX/year>. It covered over two years in payments. SETF didn't negotiate and remind me of either option to resume payments or nothing. From a court filing on or about XXXX XXXX, XXXX XXXX XXXX XXXX along with SETF ordered a repossession and never notified me about any options. The rep said it was only 45 days late and they requested payoff and never extended that either pay the late payment {$300.00} plus charges..SETF deliberately ignored my rights in this financial loan and sought to sale my car and retrieve their money. Instead, SETF demanded a full payoff. They had this company steal my car and never noticed me at all. SETF failed to communicate when they were considering sending it to collections and when this occurred and this is against the contract. I spoke to XXXX today, she claims they don't communicate by email and that's not correct. I have email reminders from SETF. I believe that SETF discriminated and engaged in identity theft, discrimination by allowing someone else to view, make decisions and change my account. The representative today XXXX XXXX said it was more than XXXX XXXX days late. Clearly, a lie. She said that she don't know where my vehicle is at. This is fraud and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE, I'M BEGGING YOU TO SETTLE THE REMAINING BALANCE FOR MY REPOSSESSION, PLEASE UPDATE THE INFORMATION LATES ON MY CREDIT REPORT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE, I'M BEGGING YOU TO SETTLE THE REMAINING BALANCE FOR MY REPOSSESSION, PLEASE UPDATE THE INFORMATION LATES ON MY CREDIT REPORT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX I wired {$47000.00} from my Chase checking account to a scammer who hacked my emails. I have tried to handle this with Chase since that day, including filing a police report at their request and providing all of the necessary information and they have not helped in any way. I have spoken to over XXXX people and have called at least once a week since XXXX and have not received ANY help from Chase. 
I have been mistreated, a rep made me cry over the phone, and they have done nothing to handle this situation. 
I am a long time customer with multiple accounts and they have done everything to help the scammer and nothing to help me. This case has been at the Executive office level and still, no returned phone calls and no help.

I need assistance and guidance with how to get my money back, as I still need to pay the correct person. I am desperate for help. I am a XXXX  widow with XXXX kids and need this money back. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have review a copy of my credit report and i have found fraudulent inquiries and collection on my report. Please remove this fraudulent inquiries from my credit report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me XXXX XXXX, even affecting my ability to XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even affecting my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I pay an annual fee of approximately {$600.00} to chase for my XXXX XXXX  and my wifes. I pay this fee because of the trip delay and lost luggage benefits. I never made a claim before, but submitted my very first claim to be reimbursed for hotel, food, and incidentals because my flight to XXXX XXXX was delayed overnight by XXXX hours and we were stuck in XXXX. I think this benefit is fraudulent. Ive placed multiple phone calls and sent multiple emails and they always ask for a XXXX more piece of info and say it will be XXXX business days before they can respond. I believe they have XXXX intent of paying any claims and simply try to delay and west people down until they give up. My claim number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is in response to the CFPB complaint number XXXX. Experian declined to reply to the mention complaint. Instead, they responded with their own dispute., dispute number XXXX XXXX. The only change to the account was it being updated with misleading information? 
The account and question is a XXXX XXXX account that was charged off in XX/XX/XXXX since XX/XX/XXXX Ive made multiple requests for this to be removed from my Experian account. Due to the fact that this has been charged off with a XXXX from the IRS which is a cancellation of debt. This account has been canceled. The original creditor has received credit for this account and the amount is now considered income for myself and income is not reported on a consumer credit report. Also is Experian has multiple violations with regards to this account. Theyve neglected multiple times per my certified letters to furnish the documentations that they have been using to verify this account. The other violation is the balance due on this account per the XXXX was {$710.00} but on the credit report it has a balance of {$1700.00} is incorrect which is a violation. From XX/XX/XXXX through XX/XX/XXXX experience has reported a balance of {$1700.00}. thats XXXX incidences of incorrect information which is a violation. Also from XX/XX/XXXX to XX/XX/XXXX Experian states there was {$100.00} payment to this account then from XX/XX/XXXX to XX/XX/XXXX there is no amount of payment also a violation. I will be seeking compensation for the multiple violations, lack of verifying information and violations of reporting incorrect information time and time again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief