vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Earlier this year i found out i was a victim of identity theft, so i followed the instructions of the credit bureaus and filed a identity theft affidavit with the ftc. I sent this in but i guess it didnt worl because the fraud accounts didnt come off. I got fustrated so now i file a police report with t he XXXX  police department case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
I would like to reinvestigate a ford motor credit account that is reporting incorrectly on my credit reports, I have tried in the past to resolve this matter with the institution but they will not report the account correctly, They are reporting a balance of {$10000.00} with a monthly payment of {$0.00}, it is also showing the account status as open when in fact its should be a closed account with a XXXX balance, account rating shows also as charged off/collection, if the account is charged off i would like to request a 1099c for this written off debt, this account has been causing me XXXX XXXX due to the constant incorrect reporting, please thoroughly investigate this with ford and request that they follow the laws, please remove from my credit reports as i have requested in the pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been 101 days after my initial dispute submitted on XX/XX/year>, and the credit bureaus still haven't taken any action. I have a legal right to dispute inaccurate items on my credit report, and by law, the bureaus are required to comply and address these errors. 

Their inaction not only goes against the Fair Credit Reporting Act, but it also continues to negatively impact my financial well-being. I have repeatedly sent documentation, and yet Im seeing no compliance or correction on their part. This delay and disregard are unacceptable and a clear failure to fulfill their responsibilities. 

XXXX - XXXX - XXXX Account, incorrect high balance, incorrect last activity date. UPDATE TO NEVER LATE. 
XXXX - XXXX - XXXX Account, incorrect high balance, incorrect last reported date. UPDATE TO NEVER LATE. 
XXXX - XXXX - XXXX account, incorrect account type, incorrect high balance, incorrect account rating, incorrect limit, incorrect payment history. PLEASE DELETE. 
XXXX XXXX - XXXX - XXXX account, incorrect last activity date. PLEASE DELETE. 
XXXX XXXX - XXXX - XXXX account, incorrect high balance, incorrect last activity date, incorrect last reported date. PLEASE DELETE. 
XXXX - XXXX - XXXX account, incorrect high balance, incorrect account rating, incorrect payment history, incorrect date of last activity, incorrect last reported date, incorrect date of last payment. PLEASE DELETE. 
XXXX - XXXX - XXXX account, incorrect high balance, incorrect account rating, incorrect limit, incorrect date of last activity, incorrect payment history. PLEASE DELETE. 

I am attaching all the letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681. 
I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
credit card denied when attempting to charge payment for a stove and refrigerator. I have copy of credit rating. It has false names, wrong addresses and SSN variations. It has two different address ID and only two correct addresses. I am XXXX XXXX XXXX. The one on XXXX XXXX XXXX is not me. and the social security number is not mine. Year of birth is correct-XXXX. I hope you can correct this error. 
Thank you, XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX XXXXXXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX XXXXXXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, where an unknown individual unlawfully used my personal information to open multiple accounts in my name without my knowledge or consent. Upon reviewing my recent credit reports, I discovered accounts that I did not open, authorize, or have any association with. These fraudulent accounts are associated with my XXXX score and include unauthorized balances and account numbers, which have negatively impacted my credit standing. 

CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business day of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 personal credit card accounts opened at XXXX XXXX, on XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  on XXXX XXXX XXXX XXXX and a collection account opened at XXXX XXXX XXXX on XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 

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

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against American Express ( Amex ) for failing to resolve a dispute with a merchant, XXXX, in a fair and thorough manner, and for rebilling a charge to my account despite clear evidence of the merchants failure to adhere to their own stated policies. 

Complaint Background : On XX/XX/year>, I was charged {$1500.00} by XXXX for a non-refundable hotel reservation. XXXX policy, as outlined on their website, explicitly allows for name changes on reservations, either by contacting the hotel directly or through XXXX ( XXXX XXXX XXXX  ). On XX/XX/year>, I attempted to make a name change to the reservation in compliance with this policy. I contacted the hotel, which confirmed that a name change was possible, provided that XXXX coordinated directly with them. I immediately relayed this information to XXXX, including the hotels contact details. However, XXXX unreasonably refused to process this name change, citing generalized fraud concerns without substantiation, making it impossible for me to use the reservation. 

Furthermore, XXXX suggested that I cancel the reservation, stating they would review whether any fees could be waived. Despite following this instruction, XXXX neither waived the fees nor followed up, forcing me to seek dispute resolution through Amex. I initiated the dispute with Amex, providing full documentation that XXXX  failure to honor its policies made the reservation unusable and cancellation unavoidable.

Amexs Decision and Basis for Complaint : Amex has since rebilled the disputed amount to my account, stating that XXXX  non-refundable policy applies and that I contacted XXXX outside of the cancellation period. Amexs response, however, fails to address the fundamental issue of XXXX refusing to honor its name-change policy, which was central to my claim. Their refusal made it impossible for me to use the service as paid/described. I provided Amex with complete documentation of XXXX policy and my communication efforts, which should have factored into their determination. 

In re-billing this charge, Amex disregarded the merchants failure to uphold their published terms, effectively holding me financially liable for a service that XXXX denied me the ability to use. This decision, I believe, is a breach of Amexs responsibility to fairly and objectively assess evidence in disputes, particularly when a merchants failure to follow their policy directly causes the customers inability to use the purchased service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Reviewed recent credit report and found billing inaccuracies; late payments do not reflect usual timely payments. Requesting update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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