vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: MD

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and have identified unauthorized and fraudulent accounts and inquiries on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of all related accounts and inquiries listed below from my credit report. 
Unauthorized Inquiries to Be Blocked and Deleted 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 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 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 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent reporting of my account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. After reviewing this account, I have identified several issues that violate the FCRA : 1. Inconsistent Information Across Credit Bureaus : The High Credit amount is reported differently across bureaus : TransUnion XXXX XXXX : {$4900.00} XXXX : {$5800.00} This inconsistency violates the requirement for accuracy in credit reporting under FCRA XXXX ( b ). 
XXXX. Conflicting Dates of Last Activity and Payment : The Date Last Active is inconsistent : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These dates are crucial for determining when the account should fall off your report. Inconsistent reporting violates FCRA XXXX ( b ). 
3. Improper Reporting of Payment Status : The account is listed as Collection/Chargeoff on all bureaus, but it is noted in the comments that the payments are being managed by credit counseling services or financial counseling programs.

If the account is being managed under a legitimate credit counseling or repayment program, it should not be marked as a charge-off. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ).

4. Inaccurate Reporting of Balance and Past Due Amounts : The balance and past due amounts are consistently reported as {$2300.00}, which conflicts with the commentary suggesting credit counseling management.

This could indicate a failure to update the account properly, violating FCRA 1681s-2 ( a ) ( 2 ).

5. Reporting of Charge-Off After Payment Management : If the account is actively being managed by a credit counseling program, reporting it as Chargeoff may be misleading and a violation of FCRA 1681e ( b ). 
XXXX. Late Reporting Dates : The Last Reported date for XXXX and TransUnion is XX/XX/XXXX, which appears unnecessarily delayed for an account charged off years prior. 

FCRA Violations : 1. 1681e ( b ) : Accuracy of Reporting Reporting inconsistent balances, high credit amounts, and dates across bureaus.

2. 1681s-2 ( a ) ( 1 ) ( B ) : Duty to Update and Correct Misrepresentation of charge-off status while account payments are being managed by credit counseling.

3. 1681s-2 ( a ) ( 2 ) : Duty to Update Information Promptly Failure to update the account status and balances correctly to reflect ongoing management.

4. 1681c : Obsolete Reporting If the delinquency dates or charge-off statuses are improperly extended, it may violate the 7-year limit for negative information.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent reporting of my account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. After reviewing this account, I have identified several issues that violate the FCRA : XXXX. XXXX XXXX XXXX Credit Bureaus : The High Credit amount is reported differently across bureaus : XXXX XXXX Experian : {$4900.00} XXXX : {$5800.00} This inconsistency violates the requirement for accuracy in credit reporting under FCRA XXXX ( b ). 
XXXX. Conflicting Dates of Last Activity and Payment : The Date Last Active is inconsistent : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates are crucial for determining when the account should fall off your report. Inconsistent reporting violates FCRA 1681e ( b ). 
XXXX. XXXX XXXX of XXXX XXXX : The account is listed as Collection/Chargeoff on all bureaus, but it is noted in the comments that the payments are being managed by credit counseling XXXX XXXX XXXX counseling programs. 
If the account is being managed under a legitimate credit counseling or repayment program, it should not be marked as a charge-off. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ).

4. Inaccurate XXXX of XXXX and XXXX XXXX Amounts : The balance and past due amounts are consistently reported as {$2300.00}, which conflicts with the commentary suggesting credit counseling management. 
This could indicate a failure to update the account properly, violating FCRA 1681s-2 ( a ) ( 2 ). 
5. Reporting of Charge-Off After Payment Management : If the account is actively being managed by a credit counseling program, reporting it as Chargeoff XXXX be misleading and a violation of FCRA 1681e ( b ). 
6. Late Reporting Dates : The Last Reported date for Experian and XXXX is XX/XX/XXXX, which appears unnecessarily delayed for an account charged off years prior. 

FCRA Violations : 1. 1681e ( b ) : Accuracy of XXXX XXXX inconsistent balances, high credit amounts, and dates across bureaus. 
2. 1681s-2 ( a ) ( 1 ) ( B ) : Duty to Update and Correct Misrepresentation of charge-off status while account payments are being managed by credit counseling.

3. 1681s-2 ( a ) ( 2 ) : Duty to Update XXXX Promptly Failure to update the account status and balances correctly to reflect ongoing management. 
4. 1681c : Obsolete Reporting If the delinquency dates or charge-off statuses are improperly extended, it XXXX violate the XXXX limit for negative information.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent reporting of my account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. After reviewing this account, I have identified several issues that violate the FCRA : XXXX. XXXX XXXX XXXX Credit Bureaus : The High Credit amount is reported differently across bureaus : XXXX XXXX XXXX : {$4900.00} Equifax : {$5800.00} This inconsistency violates the requirement for accuracy in credit reporting under FCRA XXXX ( b ). 
XXXX. Conflicting Dates of Last Activity and Payment : The Date Last Active is inconsistent : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These dates are crucial for determining when the account should fall off your report. Inconsistent reporting violates FCRA 1681e ( b ). 
XXXX. XXXX XXXX of XXXX XXXX : The account is listed as Collection/Chargeoff on all bureaus, but it is noted in the comments that the payments are being managed by credit counseling XXXX XXXX XXXX counseling programs. 
If the account is being managed under a legitimate credit counseling or repayment program, it should not be marked as a charge-off. This misrepresentation violates FCRA XXXX681s-2 ( a ) ( XXXX ) ( B ). 
XXXX. Inaccurate XXXX of XXXX and XXXX XXXX Amounts : The balance and past due amounts are consistently reported as {$2300.00}, which conflicts with the commentary suggesting credit counseling management. 
This could indicate a failure to update the account properly, violating FCRA 1681s-2 ( a ) ( 2 ). 
XXXX. Reporting of Charge-Off After Payment Management : If the account is actively being managed by a credit counseling program, reporting it as Chargeoff XXXX be misleading and a violation of FCRA 1681e ( b ). 
XXXX. Late Reporting Dates : The Last Reported date for XXXX and XXXX is XX/XX/XXXX, which appears unnecessarily delayed for an account charged off years prior. 

FCRA Violations : 1. 1681e ( b ) : Accuracy of XXXX XXXX inconsistent balances, high credit amounts, and dates across bureaus.

2. 1681s-2 ( a ) ( 1 ) ( B ) : Duty to Update and Correct Misrepresentation of charge-off status while account payments are being managed by credit counseling.

3. 1681s-2 ( a ) ( 2 ) : Duty to Update XXXX Promptly Failure to update the account status and balances correctly to reflect ongoing management.

4. 1681c : Obsolete Reporting If the delinquency dates or charge-off statuses are improperly extended, it XXXX violate the XXXX limit for negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
Transunion is reporting these accounts on my credit report as late and i did not get anything from these companies for these inquiries, the XXXX XXXX  and XXXX  know my information was XXXX and i made a report about the fraudalent activities that took place on my report last year XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, I didn't authorize these inquiries. 
XXXX XXXX XX/XX/year>, I didn't authorize this inquiry. 
XXXX XXXX XXXX I didn't authorize this inquiry. 
XXXX XXXX XXXX XX/XX/year>, I didn't authorize this inquiry. 
Go XXXX XXXX XXXX - XX/XX/year> & XX/XX/year> XXXX XXXX XXXX Lentegrity XXXX XXXX XXXX XXXX not mine. 
Late payments reporting from XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Services- XXXX. 
All these information is all incorrect that they are reporting on my consumer 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 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/2024 - I submitted a wire transfer from my checking account to XXXX bank for the XXXX money owed for the down payment on our home that we are in escrow for. 

XX/XX/2024 - I submitted wire transfers to the same bank on this date to send the rest of the down payment money owed for closing on our home. This money is due XXXX XXXXXX/XX/2024 to close properly. Chase bank only allows XXXX daily limits on wire transfers, so I scheduled the initial XXXX to be submitted today XX/XX/2024 and the rest of the money XXXX on XX/XX/2024. Chase bank has blocked the wire transfers and I had multiple phone calls with them and they kept telling me to resubmit after they reviewed and unlocked my account. 

XX/XX/2024 XXXX XXXX - XXXX blocked my wire transfer for the XXXX time and now wire transfer submission cutoff has been reached. I am no longer able to wire transfer the money owed for the down payment and XXXX has potentially blocked me from being able to close on the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
XXXX Funding is violating the FCRA and federal law by failing to provide accurate and true information on my credit reports 15 USC 1692g. This is not the original creditor and I am not bond to any contract with a third party nor did I sign anything with this collection agency giving them permission to use my information. Requesting XXXX XXXX to provide original contract that binds me to a legal contract for this debt with them. I am requesting that this be permanently be removed from all three of my credit 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 2024-11-27 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: IN

Complaint narrative:
My report lists late payments that dont align with my history. I request these errors be corrected and my account updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Violation of the FCRA : Inaccurate Reporting and Improper Disclosure of Information Description of the Issue : I have identified inaccurate information on my credit reports with XXXX and Experian. Both agencies are incorrectly reporting late payments on my XXXX XXXX account ( account number : XXXX ). According to my records, these payments were made on time. 

I sent a letter to XXXX XXXX on [ XX/XX/XXXX ] requesting validation of the debt and correction of the errors. However, I have not received a response within the timeframe established by the Fair Credit Reporting Act ( FCRA ). I later disputed the information directly with XXXX and Experian, but the errors persist. 

Furthermore, under the FCRA, no agency has the right to disclose incorrect information or violate my privacy by reporting inaccurate data about my financial history. This noncompliance jeopardizes my privacy and my credit reputation. 

The improper disclosure and inaccurate reporting of this information are damaging my XXXX XXXX and my ability to obtain credit on fair terms. This also represents a potential violation of my privacy rights under the FCRA. 
I request that : All inaccurate information and incorrect late payments be removed from my credit report. 
The agencies and creditors cease disclosing incorrect information in my history. 
I receive written confirmation that my information has been corrected and that my privacy will be respected in accordance with the FCRA. 

Attached Documents : Certified mail proof of sending. 
Current credit reports showing the errors. 
Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX of 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 2024-11-27 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: NC

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 XXXX 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 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