vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-06-27 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: PA

Complaint narrative:
My account with XXXX XXXX  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 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 XXXX  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 2024-06-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have XXXX inaccurate bankruptcies that I disputed on my Equifax credit report in XXXX. Equifax claims they spoke to the court but the court does report any information to credit bureaus. I requested validation and if they could not validate the information to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: SC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-06-27 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: SC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
I have XXXX inaccurate bankruptcies that I disputed on my XXXX credit report in XXXX. XXXX claims they spoke to the court but the court does report any information to credit bureaus. I requested validation and if they could not validate the information to remove the information 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 2024-06-27 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: IL

Complaint narrative:
I have XXXX inaccurate bankruptcies that I disputed on my XXXX credit report in XXXX. XXXX claims they spoke to the court but the court does report any information to credit bureaus. I requested validation and if they could not validate the information to remove the information 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 explanation
Consumer complaint received 2024-06-27 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: MI

Complaint narrative:
On '' XXXX XXXX '' I looked at my credit report and noticed some inaccuracies. I sent a letter to Experian on XXXX XXXX '' asking them to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent it certified mail. they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item or the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and 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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for Citi Bank Access Checking account online via Application ID XXXX on XX/XX/year> and my account application was approved on XX/XX/year> with Account Number ending with XXXX. Subsequently, a MasterCard debit card and PIN was delivered to my mailing address within a week. However while trying to activate the debit card and register for online access to my bank account using the Citi Bank portal, the access is continuously denied. On contacting the Fraud Department, I was informed that my account has Fraud Alert raised and insisting to undergo verification by providing a mobile number with matching name as per the public database. Please note that my name is not being reflected against my mobile number in public databases due to the connection being prepaid. I was blatantly denied any other verification options like phone, mail, video, fax, branch visits, etc. They have even denied account closure before pending verification. Citi Bank has highly discriminated me for not having postpaid mobile number and treated me unfairly by restricting access to my account by severely limiting the account verification options. Also, I am being made liable for paying account 's monthly fee despite of denying me to use the banking services.

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 2024-06-27 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: FL

Complaint narrative:
CFPB Transunion Expedited Removal Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ) XXXX bal. {$2000.00} XXXX # XXXX XXXX. XXXX XXXX XXXX bal. {$500.00} XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX  XXXX XXXX {$7000.00} acct. # XXXX XXXX XXXX  bal. {$8000.00} acct. XXXX XXXX I am a victim of XXXX  XXXX  of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION LLC CUSTOMER SOCIAL SECURITY NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX AS IT APPEARS ON CREDIT REPORT * XXXX XXXX COPY OF ID ATTACH DISPUTE LETTER ATTACH PROOF OF ADDRESS

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 2024-06-27 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX. 
Number account : 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 2024-06-27 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: FL

Complaint narrative:
I am reaching out again to notify you that I am a victim of fraudulent activity and to dispute certain items in my file resulting from this crime. The items in question do not relate to any transactions for goods, services, or money that I have made or authorized. Please remove the following items that resulted from identity theft : TRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}. These items are unknown to me. Additionally, information provided on some accounts has been deleted from other bureaus, raising doubts about their accuracy. The reported payment history on some accounts is also a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to decline or rescind.

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 2024-06-27 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My Barclays AA Mastercard information was stolen while at the XXXX XXXX traveling from XXXX back to Texas and was used by some criminal without my Card! my info was used later at several vendors in another state, ( Massachusetts ) & at airports and restaurants, and for merchandise purchases. 
I have been disputing these charges with Barclays for 2 months now, I was told it was taken care of only to find the charges remaining on my monthly bill and being charged interest for them! Barclays case # XXXX The irony is XXXX smaller fraud amounts were also reported and they immediately removed those! XXXX XXXX XXXX XXXX XXXX {$14.00} & {$9.00}! I have been told I am not responsible for these charges in writing yet the amounts remain on my statement and are reflected in my balance. 
I pay my total bill every month and never carry a balance so I keep seeing a balance! 
these XXXX fraud charges within the same state and location are still on my account! 
I have called on five occasions, and told the pending case is ongoing and then told it was removed & not taken care of. I have closed and reopened new cards and they keep forwarding the frauds! 
I have documentation of the date and person I spoke to at Barclays. I have now emailed several times as well. 
The remaining fraud charges : XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> {$110.00} XXXX XXXX XXXX. XX/XX/year> {$17.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/year>. {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. {$17.00} How do they charge without physical my card?

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 monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went into the branch and applied for a XXXX XXXX XXXX  with XXXX XXXX. I was declined for stated reasons that were untrue. I called the customer relations department to discuss my concerns, but they did not reconsider my grievance. I feel that I have been discriminated against.

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 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
During the months of XXXX, XXXX, XXXX, XX/XX/year>, my payments for the account with Citi bank were not uploaded to the account after they were supposed to be automatically uploaded & reflecting. The agents upon calling kept stating it was an issue with the systems & it should reflect within XXXX hours. The payments of hundreds of dollars if my hard earned money would just vanish. The same happened to my XXXX  account. So we requested to close the account after making the final payment. Wed escalate calls, contact other numbers to try to speak to corporate & because of XXXX no one would contact us back & theyd hang up in our faces as well. I thought of suing them but the court system was shut down as well. They were taking advantage of consumers that were simply looking to restore credit for their financial needs. Fast forward XXXX years later this account is on my report & I want this faulty account that has received their payment numerous times to be removed. Ive spoken with them numerous times, sent letters & not one person remedied the problem. They just keep lying. My husband even paid a balance he knew he didnt owe & they lied & said it was a pay for deletion & its been XXXX years & still on there. So why would I trust theyd not do the same to me.

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 2024-06-27 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I believe XXXX XXXX to be a victim of identity theft which is why I am reporting this incident. I am searching for justice and clear up my credit file report as these accounts and inquiries are incorrect and not done by me. I have plenty of incorrect information in my credit file report that I hope to repair. 
Accounts That Need To Be Removed XXXX. XXXX {$300.00} XX/XX/XXXX Inquires That Needs To Be Removed XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Thank You, 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 non-monetary relief
Consumer complaint received 2024-06-27 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: OK

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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