vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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

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

I demand the late payment reported in XX/XX/year> to be removed. 

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

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


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

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
I'm in the process of trying to purchase a home and it was brought to my attention that my credit report has been damaged by these collection accounts. This is a defamation of character and I've asked for the purchase agreement to show full ownership so that I may verify the information. According to the Reporting Act15 U.S.C. 1681 it should NOT be any damages on my 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 2024-06-18 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: PA

Complaint narrative:
My account with 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 XX/XX/year> to XX/XX/year> 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX. The Last Reported amount for this account on Transunion and XXXX is XX/XX/XXXX. The Last Reported for this account on XXXX is XX/XX/XXXX. For the last two years, Transunion is showing this account has not been reporting since XX/XX/XXXX. XXXX is showing this account reporting in collections since XX/XX/XXXX. XXXX is showing this account reporting in positive payment history since XX/XX/XXXX. This is inaccurate reporting history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. There is no way to confirm which bureau is reporting correctly and which is inaccurate. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following : Account Name : XXXX XXXX Account Number : 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 2024-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In XX/XX/year>, while in Colorado I applied for the Kohls charge card via the Kohls XXXX. I was immediately approved with an {$800.00} limit and a temp card number to use the card right away. First Transaction the card was declined. I spent a few minutes on the phone with their customer service. It sounded like they wanted my first born child to be signed over to them. I used a different card to complete the purchase. I kind of forgot about this card until XX/XX/year> I was on the Kohls app. I contacted the customer service and they said there was a restriction on the account and it was related to ID verification. They wanted to send a code to my phone and the only number they would accept was my old work phone, I no longer have access to that phone. I will mention that the Kohls charge card is issued by Capital One. I have four other credit cards with Capital One. If there was any inconsistency with information, they would not have approved the account. That would be an immediate fraud flag which would require a review. Kohls asked me to send in a copy of my ID, and other documents to verify address. All the information on this account, is consistent with any information on any consumer report. There is no reason they should be blocking cards and verifying addresses when it's consistent with all consumer reports and public information. Not only that but its been six months now. If the account was fraudulent, I am sure an account holder would know. I had concerns that after approval the card was restricted right away and has never had that restriction lifted. That would imply that they have yet to satisfy ID verification. However they have no issue reporting monthly to credit bureaus information related to the account. Its not negative but it does jeopardize the security of my personal information if it were to be fraud. I have submitted all information to Kohls and they are radio silent. They will not return any contact. The account is still restricted. I asked Capital One to close the account and they said it has to be Kohls and I just asked for the account to be closed. This isn't my account, this account belongs to Kohls. I have no control or access to it. I can't make any changes to it. They need to answer for why they are reporting account information on an account they have not verified. 

The phone number for them to look up this account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
LexusNexus can not provide accurate information on how information was obtained

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I found out that my relative used my information to open up an account without my knowledge. I called and did everything that i was asked to do and the account still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My identity was stolen and used to rent an apartment at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XX/XX/XXXX. Ive never been to XXXX XXXX XXXX. I live and have a successful business in north GA. The fraudster was turned over to collections for {$10000.00} XXXX with National Credit Systems XXXX XXXX XXXX GA XXXX I learned about this fraud when a credit report was reviewed in XXXX of XXXX in the course of renewing a business line of credit. I notified XXXXXXXX XXXX XXXX of the fraud, filed an FTC report and police report with XXXX XXXX XXXX XXXX and requested copy of the rental file. XXXX XXXX has refused to return multiple calls or respond in any way as required by law. National Credit Systems reported this fraudulent data to the credit reporting agencies. Despite being provided with every piece of documentation they required, they have refused to remove this fraudulent account and have continued to send threatening mail correspondence, threatening legal consequences. Despite emailing me that this matter was resolved, They have recently turned this account over to the XXXX XXXX XXXX XXXX XXXX also of XXXX GA, who recently called my business during the XXXX XXXX attempting to collect. I have also given written notice to XXXX XXXX XXXX that this account is the result of identity theft and sent the law office all supporting documents as well and have reasonably asked for notification of final resolution of this fraud. They have ignored my request. When supplied the same information, XXXX removed the fraudulent account from my file promptly as did another collection agency who handled the fraudulent XXXX XXXX XXXX left behind by the fraudster. When supplied with ample information that this account is fraudulent, both XXXX XXXX Apartments of XXXX XXXX XXXX, National Credit Systems, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX continue to try to collect, threatening to adversely effect my credit, adversely effect future offers to extend credit, insurance, and use the legal system to force me to pay. They do not have a rental contract with my signature, nor have they ever met me at XXXX XXXX. Given that all parties have been given definitive proof of identity theft, Their efforts amount to a planned, well-organized criminal enterprise bent on extortion of their innocent victims. A quick on line search revealed I am XXXX of a multitude of victims of their various schemes. In my case they are using identity theft crime as a pretense for extortion preying in the victims and worsening the damage done to innocent victims credit and as a result, their lives. The XXXX website reports a XXXXXXXX XXXX  rating out of XXXX for the XXXX XXXX XXXX XXXX XXXX and perusal of the multitude of reviews corroborates my experience as hardly unique.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a first mortgage with US bank with account number XXXX. We are demanding payout for my home sale to opendoor scheduled to be closed on XX/XX/year>. This is to avoid an auction scheduled by XXXX XXXX ( my 2nd mortgage ) on XX/XX/year>. 

US bank refuses to give a timely payout amount requested by escrow. They say it is because I filed bankruptcy recently. Yet the bankruptcy was dismissed on XX/XX/year>. I have emailed them the dismissal weeks ago. This is public information on court system pacer. It does not need so much time to update. 

US bank has been working with XXXX XXXX to get my home on auction. This included falsify business banking statement. I wrote a check to XXXX XXXX which was cashed in my US bank account. Yet, later, US bank changed my statements and that cashed payment disappeared from my US bank business account. 

This time, they delayed giving me the payout amount, and try to put my home on auction. We have all the paper to proceed with the escrow closing, and their payout letter is holding up our sale. 

I need your help to make them provide payout letter immediately and investigate the relationship between XXXX XXXX and US bank. Why US bank help XXXX XXXX repeatedly to put my home on auction? 

Thank you very much!

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 2024-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC
State: OH

Complaint narrative:
XX/XX/year> I received a phone call from XXXX. The caller claimed they were a debt collector and I owed them money. They asked for my name, but I didnt want to respond until I knew it wasnt a scam. I asked if they were a real human. There are many scams going around where AI calls you and mimics human voices. The caller repeatedly dodged the question. Rather than saying yes or no they said, do I sound like a real person? I said that AI sounds like real people, so are you real? The caller then said Have a nice day. And hung up. 

XX/XX/year> I received a letter in the mail from Capio Partners with a debt. Despite the person on the phone not giving me an opportunity to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I am reaching out to you concerning the compromise of my social security number. I have become a victim of Identity Theft. I have already contacted the Federal Trade Commission and lodged a complaint with reference number # XXXX attached, as well as reported the incident to the police department. Kindly block and delete all the information related to my credit report and send me an updated copy of it. 
result of unauthorized fraud : 1. The following account is not mine XXXX XXXX Account Number : XXXXXXXX This is not mine. I am a victim of ID Theft. Please investigate and remove 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: PA

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

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

I demand the late payment reported in XX/XX/year> to be removed. 

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

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


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


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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: PA

Complaint narrative:
My account with 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 XX/XX/year> to XX/XX/year> 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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