vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/year> my husband and I landed at the XXXX, XXXX airport and took a taxi to our hotel. On the way to the hotel, the driver pulled over and a second man approached the car with a portable credit card machine. In order to pay for the taxi, which was estimated at {$40.00}, I put my chip credit card into the machine and entered my pin. ( as Ive had to do on other occasions when traveling. ) The men ( I dont remember which one ) moved the machine around and said that he couldnt get wifi and that it wasnt working. We were asked about other forms of payment, such as an ATM, cash, etc. etc. We told them no to all. During the conversation, the man handed me a receipt for me to fill in. ( see attached ) After much disagreement, my husband told the driver that we have wifi at the hotel and that we would process our credit card for payment when we got there. The driver brought us to our hotel but didnt come in with us to take payment.

After we checked in we talked about being worried that something had happened since he didnt take payment. So I immediately used the hotels wifi to log in to my credit card account. Upon doing so, I saw three cash advances for that day. I immediately called the credit card company to dispute those charges. I was told I couldnt because they were still pending. I asked the company to immediately cancel my card. 
On XX/XX/year> we met up with a XXXX XXXX XXXX XXXX  who was leading the trip we were about to start on. We told him what had happened and asked him to help us fill out a police report. ( see attached ) After we arrived home and the charges were no longer pending, I called the credit card company to dispute the three cash advances as I did not authorize them. After checking my account, I saw that they had only marked two of them for dispute. Later, when requested, I sent them the police report and asked them again to mark the third one as being disputed.

Upon checking my credit card account, I saw that they had denied my dispute so I called and asked why. They said I gave them my PIN number. I told them I did not give them my PIN number, that I had
entered it into the machine to pay for the taxi. I asked if they had reviewed the police report. They found the report and said they couldnt read it because it was in XXXX. I asked that they review the case again, which they said they would. The third transaction still does not show disputed.

Disputing 3 transactions at XXXX along with the additional fees and interest of XXXX for a total of {$690.00}

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/year> 2024

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX : Account number XXXX XXXX XXXX : Account XXXX Immediate Removal of Late Payments from Credit Report The banking system relies heavily on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, while unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the system. Consumer reporting agencies play a vital role in gathering and evaluating consumer credit and other information. It is imperative to ensure that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumers rights to privacy. 15 U.S. Code 1666b - Timing of Payments A creditor may not classify a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I have the right to privacy. This is further supported by the Privacy Act of 1974, as outlined in 5 U.S. Code 552 regarding public information and agency rules, opinions, orders, records, and proceedings.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX, I sent a goodwill adjustment request to Comenity Bank/Victorias Secret , asking them to reconsider the derogatory remarks and charge-off status on my credit report. The account was charged off in XX/XX/XXXX with remarks indicating " Purchased by another lender ; unpaid balance charged off. '' I requested that Comenity review the circumstances surrounding my past financial difficulties and consider removing the negative remarks from my credit report as a goodwill gesture. Despite my effort to contact them directly, I have not received any acknowledgment or response to my request.

Their lack of response has prevented me from resolving this matter and improving my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Paid Wells Fargo credit card by phone on XXXX XXXX. Funds are still not available as of Thursday XX/XX/year> as of XXXX XXXX. 

My experience with Wells Fargo is that funds paid online from my XXXX XXXX XXXX are made available immediately. This is why I chose Wells Fargo to handle my responsibility to rent an vehicle to pick up a XXXX XXXX  at the XXXX XXXX and take to his hotel so he can perform tomorrow in concert.

If I had known that Wells Fargo has changed their policy, I would have used XXXX, XXXX XXXX XXXX or XXXX XXXX, who do not hold on to funds.

I offered to submit proof, that being a screen shot
from my XXXX  XXXX XXXX checking account, that the funds were taken from my checking account on 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 2024-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
In XXXX, I was a tenant at XXXX XXXX XXXX XXXX in XXXX, MI. My lease agreement stated that my monthly rent was {$790.00}, plus a flat utility fee of {$47.00}, for a total of {$840.00} per month. I paid this amount in full and on time every month during my lease, as evidenced by my bank statements. 
Upon lease renewal, the apartment complex attempted to increase my base rent to {$1000.00}, resulting in a new total of {$1100.00}. This amount was mistakenly listed under " prorated rent '' on the lease, which was an error they acknowledged. Despite the mistake, I paid {$1100.00} for the first month, and the overpayment of {$270.00} was credited to my account the following month, confirming that their system recognized the correct rent amount of {$840.00}. 
After I moved out in XXXXXXXX XXXX XXXXXXXX, the apartment complex erroneously reported missed payments for several months to a debt collection agency, ProCollect , Inc . I have since provided the apartment complex and the debt collector with my lease agreement and bank statements, which prove I met all payment obligations. However, the apartment complex has refused to correct its error, and the debt collector continues to pursue this invalid debt.

This inaccurate information was reported to the credit bureaus, negatively impacting my credit score. I formally disputed the reports with all three credit bureaus ( XXXX, XXXX, and XXXX ) and provided the same evidence. Despite this, the credit bureaus upheld the inaccurate reports, claiming the information was valid.

I request that this matter be fully investigated and that the incorrect information be removed from my credit report. Additionally, I ask that XXXX XXXX XXXX and ProCollect, Inc. take responsibility for their reporting error and notify the credit bureaus to correct the records.

I provided proof below of payment per the lease in the form of bank statements and the lease agreement. I also provided the credit reports to show that my credit was fraudulently damaged by ProCollect and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
Im filing a formal complaint regarding ACHIEVE PERSONAL LOANS ( Account Number : XXXX ) due to their ongoing reporting of inaccurate information on my credit report. Despite several disputes, the inaccuracies remain unresolved, continuing to harm my credit score and misrepresent my financial history to potential lenders. I have made multiple attempts to resolve this issue by contacting both ACHIEVE PERSONAL LOANS and the credit bureaus, yet no action has been taken. The failure to address and correct these errors is causing unnecessary financial stress and limiting my access to credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit report act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX 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  I checked on my credit report and noticed some things are incomplete and not accurate And according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 681i They are supposed to do this treatment in accurate or unverifiable information ( A ) in general after any reinvestigation on the paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modified that item of information as appropriate based on the resident of the rein investigation and ( ii ) promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
the accounts was never late and paid in full util the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * 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  These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by TransUnion showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud.

2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit report act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 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 I checked on my credit report and noticed some things are incomplete and not accurate And according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 681i They are supposed to do this treatment in accurate or unverifiable information ( A ) in general after any reinvestigation on the paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modified that item of information as appropriate based on the resident of the rein investigation and ( ii ) promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief