vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment to be updated.

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

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


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 2025-01-14 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: CA

Complaint narrative:
Equifax, XXXX and XX/XX/XXXX have not properly investigated my claim. I have asked them for proof and they havent provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-14 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: IL

Complaint narrative:
I am writing to follow up on my previous complaints regarding inaccuracies on my credit files with XXXX, XXXX, and TransUnion. Despite submitting supporting documentation, I am encountering ongoing difficulties with these agencies, which are prolonging the dispute process and putting me at risk of identity theft. 

As outlined in my original complaint, each of these agencies has requested that I send my personal information, including my ID and Social Security number, by mail. This request is both unnecessary and concerning, particularly given that each agency is aware that I have an identity theft alert on my credit files. Additionally, they have all blocked me from uploading my documents through their secure online portals, making it impossible to directly submit the required information. Instead, they are forcing me into an unsafe process that exposes me to further risks. 

Furthermore, I am required to undergo a verification process over the phone before being transferred to their special handling departments to dispute inaccuracies. I have followed all instructions and uploaded copies of my ID and the last four digits of my Social Security number through the CFPB portal, and the phone representatives have confirmed receipt of this documentation. Despite this, the process continues to be unnecessarily delayed and complicated. 

I believe these actions are being taken in bad faith, and they are causing me undue hardship. The credit reporting agencies are fully aware of my identity theft history, and their actions seem deliberately designed to impede the resolution of my disputes. I respectfully request that the CFPB investigate this matter to ensure the credit reporting agencies handle my case in accordance with the law, especially considering the risk to my personal information. 

In my complaint, I have included supporting documentation : a copy of my ID, my Social Security card ( with only the last four digits visible ), a current utility bill as proof of address, and the letter from the reporting agencies. I refuse to send a copy of my Social Security card and ID through the XXXX mail system due to security concerns.

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 2025-01-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to follow up on my previous complaints regarding inaccuracies on my credit files with XXXX, Equifax, and XXXX. Despite submitting supporting documentation, I am encountering ongoing difficulties with these agencies, which are prolonging the dispute process and putting me at risk of identity theft. 

As outlined in my original complaint, each of these agencies has requested that I send my personal information, including my ID and Social Security number, by mail. This request is both unnecessary and concerning, particularly given that each agency is aware that I have an identity theft alert on my credit files. Additionally, they have all blocked me from uploading my documents through their secure online portals, making it impossible to directly submit the required information. Instead, they are forcing me into an unsafe process that exposes me to further risks. 

Furthermore, I am required to undergo a verification process over the phone before being transferred to their special handling departments to dispute inaccuracies. I have followed all instructions and uploaded copies of my ID and the last four digits of my Social Security number through the CFPB portal, and the phone representatives have confirmed receipt of this documentation. Despite this, the process continues to be unnecessarily delayed and complicated.

I believe these actions are being taken in bad faith, and they are causing me undue hardship. The credit reporting agencies are fully aware of my identity theft history, and their actions seem deliberately designed to impede the resolution of my disputes. I respectfully request that the CFPB investigate this matter to ensure the credit reporting agencies handle my case in accordance with the law, especially considering the risk to my personal information. 

In my complaint, I have included supporting documentation : a copy of my ID, my Social Security card ( with only the last four digits visible ), a current utility bill as proof of address, and the letter from the reporting agencies. I refuse to send a copy of my Social Security card and ID through the XXXX mail system due to security concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I reached out to XXXX XXXX, and they informed me that since it is a XXXX debt, I need to contact the debt collection agency for any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, La XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
A fraudulent account is repeatedly reported on my credit file. This account has been deleted but continues to return showing varying balances. 

I am writing to formally dispute and demand the immediate removal of the fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under Fair Credit Reporting Act ( FCRA ) to have this account removed within XXXX days. I am also writing to formally notify you that I am aXX/XX/XXXXand request the immediate blocking and deletion this fraudulent account or information related to the identity theft, as authorized by 15U.S.C 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX XX/XX/XXXX, which has exposed my personal and sensitive data to unauthorized individuals. The fraudulent account is listed here - XXXX -XX/XX/XXXX XXXX XXXX - Date Opened - XX/XX/year>

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 2025-01-14 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: NY

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/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 2025-01-14 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: GA

Complaint narrative:
XXXX XX/XX/XXXX {$79.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$3700.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccuracies in the personal information and previous addresses listed in my credit reports from XXXX, XXXX, and Experian. Despite my efforts to address these issues directly with the credit bureaus, the discrepancies persist, and I am seeking your assistance to resolve them. 

Details of the Issue Name Variations : My credit reports include multiple incorrect variations of my name, such as : " XXXX XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX XXXX XX/XX/XXXX '' My correct legal name is " XXXX XXXX XXXX ''. The incorrect entries must be removed to prevent potential confusion or misuse of my personal information. 

Address Discrepancies : The reports also list multiple variations of my address, including : XXXX XXXX Av, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX The correct and current address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. I request that outdated and incorrect addresses be removed to ensure accuracy.

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 2025-01-14 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: AA

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
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
i made a phone payment with provident bank on XX/XX/XXXX i received a new statement dated XX/XX/XXXX reflecting that payment and received in person at a local branch a signed paid receipt. i was advised by the banker that the receipt printout is irrevocable. when i called to make the XXXX payment i was told i never paid in XXXX and must pay both payments immiediately plus a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-14 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: U.S. BANCORP
State: TN

Complaint narrative:
Subject : Complaint Against US Bank Credit Card Dispute Process Details of the Complaint : I am filing this complaint against US Bank for their mishandling of my dispute regarding a fraudulent transaction involving a purchase from XXXX. Despite providing a police report and detailed evidence about the fraudulent nature of the transaction, US Bank failed to take appropriate action to assist me in resolving the issue. Here are the key points of my complaint : Failure to Request Evidence from the Merchant ( XXXX ) : US Bank did not make any effort to request proof or documentation from XXXX to validate or dispute my claim. This lack of action demonstrates a failure in the due diligence process. 

Excessive and Unreasonable Delays : The dispute process was unnecessarily delayed because US Bank required me to submit a handwritten application, which I had to mail, and additional paperwork, which I was required to fax. After complying with these requests, US Bank claimed they never received my faxed documents, further stalling the resolution.

Inadequate Communication and Support : Throughout the dispute process, US Bank failed to provide clear guidance or effective communication. I was left to handle the situation largely on my own, with minimal support or updates from their side.

Impact on My Financial Situation : This lack of action and support has caused significant stress and financial inconvenience, as the disputed transaction involves a considerable amount of money. 

Attached to this complaint are copies of the police report and any supporting documents I have submitted to US Bank, which further substantiate my claims. I am seeking the CFPBs assistance to investigate US Banks handling of this matter and to ensure they are held accountable for their lack of action and improper handling of the dispute process. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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