vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
My account with TRANSUNION 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. 


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 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 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 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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 2025-01-08 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: OR

Complaint narrative:
Paid online business XXXX in XXXX XXXX to make money. 7 months later did not make a XXXX. Confronted business again on why I am not making any money. They kept stalling on telling me, then they disappeared. I contacted my bank in XXXX XXXX since the charge was over 60 days old, they said XXXX. And they said cant help you. I didn't like their answer, so I wrote a letter on XXXX XXXX, XXXXcomplaining to the CEO of US Bank, XXXX XXXX XXXX. Have not heard back as of XXXX XXXX XXXX. Now I find out that the FTC is involved and they shut this online business XXXX XXXX down. The bank knows this, but my dispute is over 60 days old, so they said 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 2025-01-08 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: NY

Complaint narrative:
I can not update my phone number with Experian.com because it's connected to my old phone number XXXX -- -- my new phone number is 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These hard inquieries are fraudulent and doesn't belong to me and need to be removed.Also the nest as well. Thanks. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> FLORIDA XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I mailed a check to pay off my Synchrony Lowes Home Improvement card in full and they received it XX/XX/XXXX. I even over paid and they issued a refund. I see today that I have a new balance and when I called because I made no new purchase Representative said it's due to new interest. I explained i paid in full should be no interest. She said that due to anti money laundering feature they won't post payments till XX/XX/XXXX so therefore system issued new interest on XX/XX/XXXX. I asked for a waive of interest as they show my payment received and it's not my fault they have such feature. She denied and said she submitted request snd was denied. However, I made a good faith effort to pay them off in time. The check i sent was from my closing attorney used from my bank refinance loan so no money laundering issue to be had.

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 monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not initiate the security freeze on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo to request my bank statement to cover the period from XXXX XXXX to XXXX XXXX. I noticed that my statements typically covered periods from the XXXX or XXXX of each month to the next, which was not what I needed. 

I specifically asked for the statement period to be adjusted so I could receive a statement from the **start to the end of XXXX. The representative confirmed that the adjustment would be made and assured me that I would receive the correct statement for XXXX. 

However, when I received my XXXX statement, it still followed the old cycle and did not cover the requested period. I contacted Wells Fargo again, and they assured me that they would send the correct statement by mail. Despite these assurances, I did not receive the full statement as requested. 

Eventually, I received a partial statement that did not cover the entire month of XXXX, leaving my request unfulfilled despite multiple follow-ups.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy.

The Company sold my debt to a third party debt collector. Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a 3rd party debt buyer.

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 2025-01-08 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I'd like to lodge a complaint against TJ Maxx credit card company, managed by Synchrony Bank for the erroneous closure of my account, which at the time of closing, had a XXXX balance and no delinquencies. 

I first became aware of an issue with my account when I attempted to make a purchase, only to find my card declined. I contacted customer service to which I was informed that my account had been closed without any explanation. After escalating the matter through multiple channels, I finally learned the account was closed due to a " perception of creditworthiness ''. This explanation was both vague and unjustified considering my account had a XXXX balance, no delinquencies and I was in good standing with the company. 

Moreover, I was never provided with an email notification regarding the closure of my account, nor did I receive information through regular mail. I didn't get a heads up, or anything. When I questioned why no notice was given, no clear explanation was provided. Instead, I was told that such communication " should have been sent '', but it was admitted that it may not have been. 

I find the closure of my account highly suspicious, especially when you consider that I made prior inquiries regarding multiple {$2.00} charges assessed to my account while I had a XXXX balance. To this day, I have no idea why Synchrony Bank imposed a {$2.00} fee for an account that had a XXXX balance! These erroneous charges occurred more than once and required me to personally contact TJ Maxx/Synchrony Bank to have them removed. No explanation was ever provided for why these charges were applied. It seems highly coincidental that my account was closed after I raised concerns about these false charges. 

I firmly believe that TJ Maxx in concert with Synchrony Bank, is engaging in deceptive business practices related to their credit card services. As a consumer, I am entitled to a fully reinstated credit card without reprisal, discriminatory practices, or any negative impact on my creditworthiness. My account was in good standing at the time of closure, and therefore reinstatement should be granted without conditions or consequences for reporting erroneous charges. 

Additionally, I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Synchrony Bank 's practices to ensure other consumers do not experience similar treatment. After reading similar complaints on your website, it appears that my situation is not isolated, but rather a part of a larger problem that should be addressed immediately with this bank. 

Thank you for your prompt attention to this serious matter. Please feel free to contact me if you require further 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 2025-01-08 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-08 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 information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 





This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 





I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice file suit against your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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 information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 





This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 





I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice file suit against your company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use. There are also numerous inquiries I have no knowledge of. 

Inquiries -- -- -- -- -- -- -- -- -- 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use. There are also numerous inquiries I have no knowledge of. 

Inquiries -- -- -- -- -- -- -- -- -- XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use. There are also numerous inquiries I have no knowledge of. 

Inquiries -- -- -- -- -- -- -- -- -- 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 response to consumer: Closed with non-monetary relief