vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The ( 3 ) major credit reporting agencies throttle credit reporting updates that would result in a favorable outcome, or increase in your overall credit score. I opened ( 2 ) new tradelines ; both of which have been reported to all ( 3 ) credit reporting agencies. I have had these tradelines for 90 days. Ironically, all ( 3 ) credit reporting agencies seem provide updates that have a negative impact on my credit score within the same time period that they received the update of my new tradelines. They have reported increased utilization on tradeline, and an over the limit update to another tradeline however, they wont report my new tradelines. Are credit reporting agencies allowed to withhold credit updates that have a favorable impact to a consumer, while reporting unfavorable updates which would result in a decrease in my credit score? I have a very specific example of this over the last 90 days and I need assistance with uncovering the reporting delay of favorable updates that would result in an increased in my credit score. It is if they are conspiring with the creditors and banks to slowly report updates that would give consumers better rates which subsequently reduces the profit margin for loans to said consumer. 

One of the two new tradelines is from XXXXXXXX XXXX XXXX. 

I am in the process of seeking legal guidance and representation against the credit reporting agencies. It is absolutely absurd that they are given this much latitude to have a reporting protocol that is unfair and has an adverse impact to the consumer and their credit options. Withholding favorable updates is a pattern that I am sure that many other consumers have experienced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
My account with TRANSUNION 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.

TRANSUNION 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 non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I submitted a complaint via certified mail. Eqifax did not investigate but deleted the evidence I sent in and verified the debt to be valid. When I called they could not explain why my evidence was deleted. In retaliation now my score has dropped after contacting and filing with the ftc. 
At this point banks, credit and money are worthless. 

This is discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I recently reviewed my XXXX and XXXX report and noticed a fraudulent JPMCB CARD account opened on XX/XX/2021 under the account XXXX. I'm requesting validation of the debt which includes the copy of all accounting records, Verification of JPMCB Card claim against me which is a signed invoice with my wet ink signature and the wet ink signature of JPMCB, I demand a copy of the Contract binding both parties which is allegedly me and JPMCB CARD in a letter by " certified mail ' so that there is an independent witness to it having been delivered, this Contract need to include wet ink signature. I demand to see the Full Disclosure because i was not told that i was actually creating the credit with my wet ink signature. Equal Consideration because JPMCB brought nothing of value to the table and so had nothing to lose. Lawful Terms and Conditions because mine was based on FRAUD. The wet ink signature of both parties must be signed on a legal binding contract from my understanding of the law JPMCB corporation cant sign with a wet ink signature because they have no Right or Mind to contract since JPMCB are soul-less legal fiction ( JPMCB ) and furthermore, no third party can sign a contract on their behalf. I demand you send me documents of who signed this legal binding Contract with their wet ink signature, because it wasn't me. I'm not requesting a STATEMENT, let me remind you a Statement is not an INVOICE, please provide a signed ' Invoice ' as requested. Please do not send me a Loan or Credit Card application, a Loan or Credit card application does not constitute a Contract as it is only signed by one of the parties ( himself ), i demand a copy of the Contract signed by both parties. I'm requesting all signed documents, contracts, invoices with the wet ink signatures of both parties be sent to me within the next 14 days and if this does not happen, then i will consider the debt fully discharged and deleted from all consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, an unknown person used my Chase Freedom Unlimited credit card ending in XXXX make fraudulent transactions, the first transaction was on XX/XX/XXXX from Target in XXXX NJ for a total of {$110.00} the second fraudulent transaction was on XX/XX/XXXX from XXXX XXXX for a total of {$81.00}, the third fraudulent transaction was on XX/XX/XXXX from XXXX XXXX  XXXX for a total of {$110.00} and the fourth fraudulent transaction was on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX NJ for a total of {$100.00}. 

The chase fraud department states that my chase freedom unlimited credit card was used in person and they do not want to resolve my fraudulent issue because their credit card chip can not be replicated but yet I did not make these fraudulent transactions and they are not helping me in any way. 

I have also filed a police report today on XX/XX/year> in the city of XXXX New Jersey And I have provided a photo of the letter chase sent me stating I am responsible for paying off the fraudulent charges for a total of {$410.00} That credit card was closed so I do not have access to the credit card anymore but the credit card ended in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 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: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute two late payments that were recently reported on my Experian credit report. These late payments, from XX/XX/year>XXXX  ( 30 days ) and XX/XX/year>XXXX  ( 60 days ), are associated with my account number I believe that these late payments are in clear violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681b, a consumer reporting agency can only furnish a consumer report under specific circumstances, including in accordance with the written instructions of the consumer.

Furthermore, 15 U.S. Code 1681a defines a consumer report as excluding any report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-10-24 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.
State: FL

Complaint narrative:
I recently reviewed my credit report and was surprised to discover several negative marks classified as " Late Payments ''. This is contradictory, as I have always made my payments on time. This situation is significantly affecting my ability to access credit, which has a direct impact on my personal and family life. According to the federal regulation 15 U.S.C. 1666b regarding the timing of payments, a creditor may not consider a payment to be late on a credit card account under an open-end consumer credit plan unless it has established reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment is due. Given the above, the presence of these " Late Payment '' marks on my report appears to indicate a possible violation of that rule. Therefore, I believe that an immediate review and correction of this information is essential, as it affects my rights as a consumer and limits my access to credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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:
I recently reviewed my credit report and was surprised to discover several negative marks classified as " Late Payments ''. This is contradictory, as I have always made my payments on time. This situation is significantly affecting my ability to access credit, which has a direct impact on my personal and family life. According to the federal regulation 15 U.S.C. 1666b regarding the timing of payments, a creditor may not consider a payment to be late on a credit card account under an open-end consumer credit plan unless it has established reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment is due. Given the above, the presence of these " Late Payment '' marks on my report appears to indicate a possible violation of that rule. Therefore, I believe that an immediate review and correction of this information is essential, as it affects my rights as a consumer and limits my access to credit opportunities.

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 2024-10-24 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.
State: MN

Complaint narrative:
I have demanded Equifax remove these accounts from my credit report. That I did not give permission to be there. This is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Subject : Unauthorized Debit Card Transactions and Navy Federal Credit Union 's Denial of Fraud Claims I am writing to formally file a complaint regarding unauthorized debit card transactions that occurred on my account with Navy Federal Credit Union. Throughout this time period, my debit card was used without my authorization for multiple transactions, as detailed below : - On XX/XX/XXXX, my debit card was used for {$190.00} and {$140.00}, totaling {$330.00}. 
- On XX/XX/XXXX, my debit card was used for {$150.00}. 
- On XX/XX/XXXX, my debit card was used for {$400.00} and {$300.00}, totaling {$700.00}. 
- On XX/XX/XXXX, my debit card was used for {$150.00}. 
- On XX/XX/XXXX, my debit card was used for {$970.00}. 
- On XX/XX/XXXX, my debit card was used for {$1000.00}. 
- On XX/XX/XXXX, my debit card was used for {$320.00} and {$630.00}, totaling {$950.00}. 
- On XX/XX/XXXX, my debit card was used for {$36.00}. 

The total amount of fraudulent transactions is {$4100.00}. 

I immediately contacted Navy Federal Credit Union after discovering these transactions and submitted multiple fraud reports. However, all of my claims were denied without adequate explanation or follow-up. Despite submitting additional follow-up letters requesting clarification and resolution, I did not receive any response from the credit union . 

This process has been prolonged and I can no longer communicate with my bank by myself because they are still refusing to do anything about it. I am seeking your assistance to resolve this issue, as Navy Federal Credit Union has failed to address my legitimate concerns or provide a satisfactory explanation for denying my claims. 

Thank you for your attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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.
State: TX

Complaint narrative:
RE : You violated the United States code law ( TILA ) 15 U.S .CODE 1666 ( b ) charge error ). Upon checking a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. ( 4 ) The creditor inability of truthfully depict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX XXXX : ACCOUNT # XXXX... 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX ... 

XXXX. XXXXXXXX XXXX : ACCOUNT # XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-24 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: TX

Complaint narrative:
I am disputing the reinsertion of previously deleted items on my credit report. I have already disputed this inaccurate information on my report and it was deleted, but it has now been added back on without any written notice. 
According to the Fair Credit Reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of my rights under the FCRA. 
I am requesting that these items be deleted from my credit report immediately, and an updated credit report be provided to me. I am now filing a complaint. I will also seek legal representation if necessary, as this issue is wasting my time and affecting my mental health. 

Both XXXX XXXX TransUnion have violated my rights!

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have tried to dispute with portfolio recovery and they have not validated the debt. I have requested XXXX, XXXX and XXXX to remove this in accurate information but they keep on posting it back after removal. Please assist I'm really frustrated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Student Loan debt, Repeated messages from debt collectors

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 2024-10-24 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.
State: FL

Complaint narrative:
In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received copies of my credit reports provided by XXXX, XXXX, and Equifax, and I have noticed that transactions related to the XXXX XXXX XXXX  account with the number XXXX have been incorrectly marked as late payments and this is negatively affecting my personal life and my ability to acquire and build credit. 

Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief