vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

I demand the late payment reported in to be removed.

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!

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 2024-12-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you update this account as all payments made on time and make the necessary corrections to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
CFPB COMPLAINT Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against XXXX XXXX XXXX for Violating Consumer Rights Dear CFPB, I am writing to formally submit a complaint against XXXX XXXX XXXX regarding their collection practices related to a debt owed to XXXX XXXX XXXX XXXX I believe that my consumer rights have been violated in the handling of this debt. 

XXXX XXXX. Creditor Information : ** - Creditor Name : XXXX XXXX XXXX - Collection Agency : XXXX XXXX XXXX - Account Number : XXXX XXXX. Description of the Issue : ** I have received communication from XXXX XXXX XXXX  regarding a debt that is reportedly owed to XXXX XXXX XXXX. However, I have not been properly informed about this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated the following provisions of the FDCPA : 3a. I am writing to formally request that you cease and desist all communication and collection efforts regarding the alleged debt associated with my account. 

I believe that this debt is not valid for the following Inaccuracies across the two credit Bureaus which I will include the proof in an attached document. Date opened on Trans union and XXXX are completely different. How can this be accurate if the XXXX bureaus are reporting different dates. 

- **Section 809 ( a ) ** : The agency failed to provide me with written notice of the debt within five days of their initial communication, which should include the amount of the debt, the name of the creditor, and my rights to dispute the debt.

- **Section 804*XXXX XXXX XXXX XXXX has engaged in communication practices that could be considered harassment, such as repeated calls, emails, calls at inappropriate times, etc.

15 usc 1681 b. I did not Authorize Despite my attempts to resolve this issue such as contacting XXXX XXXX XXXX, I have not received satisfactory communication or resolution. 

**4. Request for Resolution : ** I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their violations of consumer rights. Additionally, I would appreciate guidance on how to further address this issue and ensure that my rights are protected. 

Enclosed are copies of relevant documents. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
CFPB COMPLAINT Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against XXXX XXXX XXXX for Violating Consumer Rights Dear CFPB, I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX their collection practices related to a debt owed to XXXX XXXX XXXX XXXX I believe that my consumer rights have been violated in the handling of this debt. 

XXXX XXXX. Creditor Information : ** - Creditor Name : XXXX XXXX XXXX - Collection Agency : XXXX XXXX XXXX - Account Number : XXXX XXXX. Description of the Issue : ** I have received communication from Halsted financial services regarding a debt that is reportedly owed to XXXX XXXX XXXX. However, I have not been properly informed about this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated the following provisions of the FDCPA : 3a. I am writing to formally request that you cease and desist all communication and collection efforts regarding the alleged debt associated with my account.

I believe that this debt is not valid for the following Inaccuracies across the two credit Bureaus which I will include the proof in an attached document. Date opened on XXXX XXXX and XXXX are completely different. How can this be accurate if the two bureaus are reporting different dates.

- **Section 809 ( a ) ** : The agency failed to provide me with written notice of the debt within five days of their initial communication, which should include the amount of the debt, the name of the creditor, and my rights to dispute the debt.

- **Section 804** XXXX XXXX XXXX has engaged in communication practices that could be considered harassment, such as repeated calls, emails, calls at inappropriate times, etc. 

15 usc 1681 b. I did not Authorize Despite my attempts to resolve this issue such as contacting XXXX XXXX XXXX, I have not received satisfactory communication or resolution. 

**4. Request for Resolution : ** I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their violations of consumer rights. Additionally, I would appreciate guidance on how to further address this issue and ensure that my rights are protected. 

Enclosed are copies of relevant documents. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: OH

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 non-monetary relief
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. Please resolve this matter immediately.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a Visa card through Citi.com My XXXX Score on their site started to go down around XXXX and I started reporting the issue in XXXX. They laughed at me for caring. Then in XXXX, they lowered my credit limit because the score went all the way down to the XXXX XXXX  ( note my score is around XXXX XXXX ). I reported it several times, they told me to report to XXXX which I did. I got all my XXXX annual reports and sent them with proofs from XXXX, XXXX, XXXX sites with the scores for them as well. Got a letter back saying it is not their problem but XXXX. I called again in XXXX, and they told me to mail the same information again to yet another XXXX XXXX XXXX which I did to get the same exact template answer letter. Today, XX/XX/XXXX, I called this time during the weekdays and they kept switching me from group to group for over an hour and finally I am speaking with a person stating that they are an officer at the bank. Again, he refused to do anything except read the same template over and over that it is not heir fault and the data coming to them is wrong from XXXX. I informed him with multiple examples about Middle in the Man attack as a possible cause and I also informed him that their systems are compromised if they are the ONLY company that does not have the correct information. 
I even informed the officer that they are legally required to report to an XXXX number that there is something wrong with their data and that their systems are compromised and he refused and continued re-stating the same template that the data issue is from XXXX. He even refused to have me put him on a XXXX way call with XXXX to resolve this.

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 2024-12-24 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: IL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
fit credit card has charged me with too much interest and fees for being late, even after i explained my financial problems

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 2024-12-24 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: TX

Complaint narrative:
I woke up this morning to find inaccurate accounts on my credit report, and Im completely at a loss for why this is happening. I check my report regularly, and Ive never had an issue like this before, so seeing these errors out of nowhere has me deeply concerned. I even tried refreshing my browser to see if it was a temporary problem, but nothing changed. This issue has left me feeling helpless, and I urgently ask for my submitted documents to be double-checked to put my mind at ease once and for all.

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 2024-12-24 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
destiny credit card has charged me with too much interest and fees, even after i explained my financial problems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home depot collects my {$100.00} payments then shows payment made but later shows the payment as a credit to my account and they won't apply it to the loan instead the show me as a negative bad loan and report me as a bad debt.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

1. ) Jefferson Capital {$480.00}

Company response to consumer: Closed with explanation