vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update 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 2024-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and I noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: DE

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
I am not recognizing many inquiries in my credits record. I am not authorized make this inquires. 
I need remove these please XXXXXXXX XXXX XXXXXXXX

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-11-05 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: OH

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. 

Delete 17 Student loan account ( s ) : DEPT OF EDUCATION XXXX  ACCOUNT # XXXX : For the different amounts of {$6300.00} Opened XX/XX/XXXX {$9200.00} Opened XX/XX/XXXX {$5600.00} Opened XX/XX/XXXX {$2600.00} Opened XX/XX/XXXX {$2300.00} Opened XX/XX/XXXX {$3900.00} Opened XX/XX/XXXX {$7500.00} Opened XX/XX/XXXX {$1700.00} Opened XX/XX/XXXX {$3600.00} Opened XX/XX/XXXX {$5100.00} Opened XX/XX/XXXX {$4000.00} Opened XX/XX/XXXX {$2600.00} Opened XX/XX/XXXX {$1900.00} Opened XX/XX/XXXX {$1300.00} Opened XX/XX/XXXX {$2000.00} Opened XX/XX/XXXX {$3000.00} Opened XX/XX/XXXX {$1400.00} Opened XX/XX/XXXX These fraudulent student loan accounts has violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XXXXXXXX XXXX XXXX encouraged me to open an Alpheon Credit card. The credit card offered an XXXX no-interest promotion. My balance at the time of opening the card was {$2400.00}. During the 18 months, I made on-time payments over the minimum payment. As of XX/XX/XXXX, I had a remaining balance of {$450.00}. The promotion was set to expire on XX/XX/XXXX. I paid {$150.00} in XXXX, which brought my remaining balance to {$300.00}. I was then charged {$870.00} in interest on the original {$2400.00}, even though I paid that balance down to {$450.00}. 

I understand credit card companies must charge interest on the current statement balance. Alpheon Credit Card is luring consumers in with a promotion and then retroactively adding exuberant interest charges to the original opening balance rather than the current balance.

I spoke with Alpheon Credit Card XXXX XXXX XXXX badge # XXXX ), requesting that I pay my balance off with an interest charge on the remaining balance. She was not amenable to this request, so I filed a complaint. 

I will pay the remaining balance so that my credit is not effected. This payment is not an acceptance of the terms and conditions. Alpheon 's practice is predatory and harmful. They know people have to pay their credit cards and therefore believe they can do whatever they want.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
According to FCRA section 05B, it is illegal to report information on my credit report without my permission. Please remove from my credit report. XXXX and Experian have not done a proper investigation of my disputes for these collection accounts. XXXX has investigated these accounts and deleted them from my credit report. 

Account name-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number-XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX MA XXXX balance- {$200.00}

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCM Finance LLC
State: TX

Complaint narrative:
I recently received a copy of my credit report and I noticed this account is closed but hasn't been removed from my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: First Technology Federal Credit Union
State: CO

Complaint narrative:
I am dealing with a case of identity theft, in which my personal information was stolen and my bank accounts compromised. After discovering the fraud, I promptly reported it to my bank, who then deactivated my debit card and provided temporary credit while they investigated. However, despite these measures, the scammers still managed to access my checking account and ultimately withdraw {$30000.00} in credit issued by the bank. 

Now, the bank has completed its investigation, concluding that no fraud occurred, and is demanding that I repay the full {$30000.00}. This outcome reflects, in my view, serious misjudgment on their part, given the security lapses that allowed this theft to happen. I would greatly appreciate any assistance or advice on how to proceed. '' This refined version conveys the situation with a professional tone, clarifies the timeline of events, and highlights your concerns about the banks handling of the case

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted each credit bureau ( XXXX, XXXX, and XXXX ) in reference to the three accounts that are listed on my credit report from Department of Education. My credit report from all three bureaus are reporting lates for XXXX, XXXX, XXXX, and XXXX of XXXX. I have disputed with each bureau stating the information is inaccurate.Today, XX/XX/XXXX, I call the number to XXXX XXXX XXXX listed on my credit report. I spoke with a representative that stated, the number on my credit report is the true furnisher which is XXXX. XXXX XXXX servicer reports to XXXX XXXX XXXX in turns reports to the credit bureau. The young lady stated she is a customer service rep from XXXX XXXX XXXX. She explained the accounts that are reporting on my credit report are : ( 1 ) Dept of Education in the amount of {$1900.00}, ( 2 ) Dept of Education in the amount of {$3600.00}, ( XXXX XXXX Dept of Education in the amount of {$5100.00} are all under one account and the furnisher again is not Dept of Education, but is XXXX. For the purpose of accounts for the consumer it is listed as separate accounts on the credit report. The representative stated, there is NO reporting of any notes on the account that reference anyone calling from either credit bureau to verify information on these accounts. Also, the representative from XXXX advised " if on your credit report is reporting from each bureau stating the furnisher has verify information you reported is accurate, this is false information. This can not be true because looking at your account, there is no data information, no files, or documents for XXXX ; therefore, neither one of the credit bureau could have verified the lates. '' According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), Dept of Education was not able to validate any documents for the student loan account in XXXX. This is questionable as to why XXXX, TransUnion, and XXXX would state under their investigation that the information disputed has been verified as accurate when there is not documents/files to verify for XXXX? This is a violation as the investigation was not done thoroughly but by an auto system that uses software to gather information. This is defamation of character and a violation of the Fair Credit Reporting ACT. Again, XXXX, TransUnion and XXXX have violated 15 U.S. Code 1681i ( a ) ( 5 ) : which this part of the FCRA specifies that if, after an investigation, the information is found to be inaccurate or can not be verified, it must be deleted from the 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted each credit bureau ( Experian, XXXX, and Experian ) in reference to the three accounts that are listed on my credit report from Department of Education. My credit report from all three bureaus are reporting lates for XXXX, XXXX, XXXX, and XXXX of XXXX. I have disputed with each bureau stating the information is inaccurate.Today, XX/XX/XXXX, I call the number to XXXX XXXX XXXX listed on my credit report. I spoke with a representative that stated, the number on my credit report is the true furnisher which is XXXX. XXXX XXXX servicer reports to XXXX XXXX XXXX in turns reports to the credit bureau. The young lady stated she is a customer service rep from XXXX XXXX XXXX. She explained the accounts that are reporting on my credit report are : ( XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00}, ( XXXX XXXX XXXX XXXX XXXX in the amount of {$3600.00}, ( XXXX XXXX XXXX XXXX XXXX in the amount of {$5100.00} are all under one account and the furnisher again is not XXXX XXXX XXXX, but is XXXX. For the purpose of accounts for the consumer it is listed as separate accounts on the credit report. The representative stated, there is NO reporting of any notes on the account that reference anyone calling from either credit bureau to verify information on these accounts. Also, the representative from XXXX advised " if on your credit report is reporting from each bureau stating the furnisher has verify information you reported is accurate, this is false information. This can not be true because looking at your account, there is no data information, no files, or documents for XXXX ; therefore, neither one of the credit bureau could have verified the lates. '' According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), Dept of Education was not able to validate any documents for the student loan account in XXXX. This is questionable as to why Experian, XXXX, and XXXX would state under their investigation that the information disputed has been verified as accurate when there is not documents/files to verify for XXXX? This is a violation as the investigation was not done thoroughly but by an auto system that uses software to gather information. This is defamation of character and a violation of the Fair Credit Reporting ACT. Again, Experian, XXXX and XXXX have violated 15 U.S. Code 1681i ( a ) ( 5 ) : which this part of the FCRA specifies that if, after an investigation, the information is found to be inaccurate or can not be verified, it must be deleted from the 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX XXXXoncerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello and good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I was notified by TransUnion that XXXX performed an illegal hard inquiry pull on my credit. I did not consent to nor agree to any hard inquiry and have not looked to open any further accounts with this credit union.

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 2024-11-05 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: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Can not access my account have a balance and has not been sent to me closed my account for no reason

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