vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: AL

Complaint narrative:
My account with XXXX XXXX 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 in 60 days 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 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 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX XXXX XXXX XXXX  stated some of my information gotten out so I started to investigate what was going on and see, 5 accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXXXXXX XXXX XXXX XXXX, help these fraudulent people to create an account they must be hold accountable for their actions

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 2024-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid my car bill on time in XXXX XXXXXX/XX/year> as usual, but most likely due to the XXXX XXXX, my payment was delayed by 30 days. I just saw this now. I aiways pay my bills to avoid issues with my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-07-19 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: SC

Complaint narrative:
The company XXXX XXXX XXXX XXXX  refuses to provide proper documentation to validate the said debt. They continue to report inaccurate information to all 3 credit agencies. The company refuses to send me original doumentation. They have 2 accounts reporting improperly on my credit reports on all 3 numerous 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 non-monetary relief
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GMA Investments, LLC
State: MS

Complaint narrative:
This so called debt collection agency is calling me from XXXX. They said I got a payday loan from a company called XXXX XXXX that is located in XXXX, Alabama. I live in XXXX, XXXX and has never been to XXXX. I asked for information about the debt and they hung up on me. I called XXXX XXXX and they did not know who I was. They are constantly contacting me threatening to garnish my wages if I do not send them money. The guy tried to force me to give my bank info over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Revco Management, LLC
State: LA

Complaint narrative:
Revco Solutions contact my mother in regards to a medical debt this is actively being disputed. My mother notified the agent that they had the wrong number, that it was her personal cell phone, and gave them my correct contact information. The agent then told her that she needed to tell me to " Just pay off the XXXX XXXX '' so they could " get this taken care of. '' The agent then discussed private information regarding this disputed debt with my mother. I am XXXX XXXX XXXX, I do not live with my parents, and my parents have not been involved in my medical care for over 15 years. At no point was my mother ever a party to this procedure. If anything, my husband, who is my emergency contact, would have been the one authorized to discuss this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
Beginning back in XXXX or XXXX during the pandemic I had someone use my identity to open up a cell phone plan with sprint. I filed a report with the XXXX XXXX police for Id entity theft in XXXX also had my credit frozen through XXXX or Transunion after the identity theft in XXXX or XXXX. I have also filed a Fraud Report with the FTC with the report number being XXXX for this other account that is fraud. 
Back in XXXX of XXXX I field a dispute with XXXX for a debt under the company name of XXXX XXXX associates. After XXXX reviewed the filed report they removed it from my credit file. Then a company named XXXX XXXX has appeared on my credit report. It looks like they are the trying to collect on the same fraudulent debt that XXXX XXXX associates was trying to. I reached out to XXXX XXXX for more information and was told to call a different company. This company called prime recovery stated that even if I had a fraud report or proof of fraud they would not remove this fraudulent debt. I have also ask for proof of verification of this debt which has not been given. I have also had fraud protection added to my accounts.

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 2024-07-19 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: V and H Portfolio
State: CA

Complaint narrative:
Beginning back in XXXX or XXXX during the pandemic I had someone use my identity to open up a cell phone plan with sprint. I filed a report with the XXXX XXXX police for Id entity theft in XXXX also had my credit frozen through XXXX or XXXX after the identity theft in XXXX or XXXX. I have also filed a Fraud Report with the FTC with the report number being XXXX for this other account that is fraud. 
Back in XXXX of XXXX I field a dispute with XXXX for a debt under the company name of XXXX XXXX associates. After XXXX reviewed the filed report they removed it from my credit file. Then a company named Vance Huffman has appeared on my credit report. It looks like they are the trying to collect on the same fraudulent debt that XXXX XXXX associates was trying to. I reached out to Vance Huffman for more information and was told to call a different company. This company called prime recovery stated that even if I had a fraud report or proof of fraud they would not remove this fraudulent debt. I have also ask for proof of verification of this debt which has not been given. I have also had fraud protection added to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
I have XXXX transactions made by XXXX for XXXX rental unit when I was never provided with the accommodation as booked. I have been unable to resolve this matter with XXXX. I have filed a dispute with Chase, but I am still waiting to hear back on a resolution. 

Here are the following transactions : XX/XX/2024 - {$2200.00} XX/XX/2024 - {$2200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-19 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 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 an 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. Accounts need to be removed from 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2024 cyberspace application denied internet access to bank account credit file of XXXX. XXXX  application is a black hat trick under false pretense to a CREDIT FILE XXXX name XXXX XXXX of an XXXX  spanish police XXXX that prevents XXXX XXXX XXXX customer access to IRS XXXX to defer debt and acquire finances. Credit is not perfect. XXXX XXXX is to be made perfect with birth-given name and surname. XXXX person keeps hiding name with black hat tricks. That's like XXXX XXXX XXXX. I'm a elf with a given name so due from barbaric nature I keep getting harassed by XXXX cyber space messing up the internet.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/2024 cyberspace application denied internet access to bank account credit file of XXXX. Cyberspace application is a black hat trick under false pretense to a CREDIT FILE XXXX name XXXX XXXX of an ITIN spanish police XXXX that prevents XXXX XXXX XXXX customer access to IRS XXXX to defer debt and acquire finances. Credit is not perfect. XXXX XXXX is to be made perfect with birth-given name and surname. XXXX person keeps hiding name with black hat tricks. That's like XXXX XXXX XXXX. I'm a elf with a given name so due from barbaric nature I keep getting harassed by XXXX cyber space messing up the internet.

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 2024-07-19 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: LA

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a hard inquiry on my credit report and never applied for this credit card. This information is incorrect and was not me that applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now OPTING OUT of any and all authorization I may have given you, whether WRITTEN, UNWRITTEN, VERBAL, or NON-VERBAL, as per federal privacy laws. THE PRIVACY ACT OF 1974 mandates criminal liability for willful and knowing violations, and it enforces the accuracy and fairness of credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY under these regulations. 

It is the policy of Congress that each financial institution must respect the privacy of its customers and protect the security and confidentiality of their non-public information. These institutions have an OBLIGATION with respect to the disclosure of personal information. The enforcement of these regulations is carried out by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons under their jurisdiction.

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 2024-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
I acquired a loan for a XXXX XXXX XXXX on XX/XX/XXXX. I signed on contracted on XX/XX/XXXX which was dates for XX/XX/XXXX. On that particular contract, I had XXXX on that contract. The dealership ( XXXX XXXX XXXX in XXXX, alabama ) called me and had me to allegedly sign another contract, which was dated XXXX, but time stamped for XX/XX/XXXX at approximately XXXX XXXX. On that particular contract the sales person stated that he accidently left it off. My signature isn't on neither contract. I have full coverage insurance and I had a mechanical breakdown and and electrical issue with the vehicle and it's in operable. My insurance company paid approximately XXXX and the pay off is approximately XXXX the salesman at the dealership lied to me about being able to refinance the loan if I had went along with Prestige Financial. My signature was copied and pasted onto the contract. I don't have one piece of the contract whereas I physically signed on that contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
It is not possible to submit a dispute to Transunion. ( XX/XX/XXXX, XXXX XXXX  ) On the document upload page, a XXXX  error prevents the upload process. After that, the process goes into a loop preventing the user from moving forward. 
This is unacceptable. The XXXX XXXX XXXX is utterly broken. 
" Oh, but you can dispute errors! '' we're told. 
No you can't. 
My life was ruined because of credit reporting errors, and I will fight for the rest of my miserable life.

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