vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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 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 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 2025-01-10 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 account with XXXX EXPERIAN 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. 


XXXX EXPERIAN 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 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 2025-01-10 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: FL

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

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies This company has not reported items on my credit report correctly. discrepancies on each bureau. The dates are incorrect from each bureau. I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had an account balance of {$200.00} online- I was also advised there was a {$15.00} late fee on the account. I requested a late fee reversal which I was approved for and my promotional rate ended XX/XX/XXXX. I made a payment of {$190.00} to pay off the total balance on the account prior to the promotional ending date on XX/XX/XXXX, I was not aware that the account balance showing on the website did not include the {$15.00} late fee, so the account ended up still have {$15.00} that was owed on the balance. I called and requested the interest be reversed due to a complete error- it does not make any sense to pay off a large amount but just leave {$15.00} on the account just to be charged {$77.00} in interest it was CLEARLY a mistake, and I was not aware of it until I received an email about having a payment due. I called the company they refused to help, I spoke to XXXX supervisors who refused to help offer any assistance other than credited only {$15.00}. I went ahead and closed the card and then XXXX additional cards- I was planning to make a {$10000.00} purchase to upgrade my wife 's wedding ring in the coming weeks between my card and her card- due to the issue we closed both cards and I closed XXXX additional cards- If we can not get a resolution we will be closing all of my wife 's cards as well. It is sad a multi XXXX dollar company will lose good customers for {$77.00} of interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against EXPERIAN due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Recently I discovered that the XXXX XXXX Account Number : XXXX, which was previously deleted from my credit report, has been reinserted without proper certification of accuracy or notification to me, as required by law. 
Under FCRA Section 611 ( a ) ( 5 ) ( B ), the following requirements must be met when reinserting deleted information into a consumers credit file : 1. Certification of Accuracy : The consumer reporting agency may not reinsert deleted information unless the furnisher of the information certifies that the information is complete and accurate. I have not been provided with any evidence that such certification was received.

2. Written Notice to the Consumer : The consumer reporting agency must notify the consumer within XXXX business days of the reinsertion. I have not received any written notification from EXPERIAN regarding the reinsertion of this account.

3. Disclosure of Furnisher Details : The agency must provide the name, address, and contact information of the furnisher, as well as notify me of my right to add a statement disputing the information. This information has not been provided to me.

This reinsertion has caused significant harm to my credit profile and violates my rights as outlined by federal law.

The reinsertion of this account into my credit file without meeting the requirements of the FCRA constitutes a violation of my rights. I respectfully request the CFPBs assistance to ensure EXPERIAN resolves this issue promptly and complies with all applicable laws. I KINDLY REQUEST THAT EXPERIAN REFRAIN FROM SENDING ME GENERIC OR AUTOMATED RESPONSES. I AM ACTING SOLELY ON MY OWN BEHALF IN THIS MATTER, AND AM NOT USING THE SERVICES OF ANY CREDIT REPAIR ORGANIZATION OR THIRD PARTY TO HANDLE THIS DISPUTE. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account The account also shows on different credit bureaus with inaccurate, false, unverifiable and all different information.,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am making this complaint due to a failed request to block, remove, and delete a XXXX XXXX account resulting from identity theft. I have filed an identity theft report where I swore under penalty of perjury that the identity theft took place. I am seeking redress for a reinvestigation to delete said account. Please see the attached notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-10 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: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally 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 XXXXXX/XX/XXXX, has violated my rights.

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.

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 2025-01-10 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: AZ

Complaint narrative:
There has been two fraudluent account that have been added to my consumer report which are XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security XXXX : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened On XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
Capitol One shows on their XXXX report that my credit score is only XXXX, which is incorrect as I am above XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
XXXX - XXXX XX/XX/XXXX XXXX locked my checking account and brokerage account. These accounts have an excess of XXXX  XXXX. I immediately reached out the company via chat for a reason and was directed to send an email. I sent an email to the company and did not hear back from the company until XX/XX/XXXX. Almost a full week saying they were looking into the problem. I have still not heard anything from the company and I'm unable to move any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MO

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report with a balance of {$4200.00}. The account was allegedly opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, XXXX is falsely reporting the charge-off date as XX/XX/XXXX, which constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ) by unlawfully extending the reporting period beyond seven years.

I took the following actions to dispute this false reporting : XX/XX/XXXX Filed an FTC Identity Theft Report ( Case # XXXX ) XX/XX/XXXX Submitted written disputes to XXXX, XXXX, and TransUnion demanding deletion under FCRA 1681i XX/XX/XXXX Sent a direct dispute to XXXX XXXX requesting verification under FCRA XXXX ( b ) XX/XX/XXXX XXXX responded but failed to provide a signed contract, the original application, or any verification proving I opened this account Despite multiple disputes, XXXX continues to report a false past-due balance of {$4200.00} even though a charged-off account must reflect a {$0.00} past-due balance under FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, XXXX failed to mark this account as " disputed '' while under investigation, violating FCRA 1681s-2 ( a ) ( 3 ).

Under FCRA 605B, identity theft victims are not responsible for fraudulent accounts, and XXXX is legally required to delete this account immediately. Their failure to do so constitutes willful noncompliance under FCRA 1681n, making them liable for damages.

I demand the *immediate deletion of this fraudulent account from all credit bureaus ( XXXX, XXXX XXXX and TransUnion XXXX. Failure to comply will result in legal action.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report with a balance of {$4200.00}. The account was allegedly opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, XXXX is falsely reporting the charge-off date as XX/XX/XXXX, which constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ) by unlawfully extending the reporting period beyond XXXX years. 

I took the following actions to dispute this false reporting : XX/XX/XXXX Filed an FTC Identity Theft Report ( Case # XXXX ) XX/XX/XXXX Submitted written disputes to XXXX, Equifax, and XXXX demanding deletion under FCRA XXXX XX/XX/XXXX Sent a direct dispute to XXXX XXXX requesting verification under FCRA 1681s-2 ( b ) XX/XX/XXXX XXXX responded but failed to provide a signed contract, the original application, or any verification proving I opened this account Despite multiple disputes, XXXX continues to report a false past-due balance of {$4200.00} even though a charged-off account must reflect a {$0.00} past-due balance under FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, XXXX failed to mark this account as " disputed '' while under investigation, violating FCRA 1681s-2 ( a ) ( 3 ).

Under FCRA 605B, identity theft victims are not responsible for fraudulent accounts, and XXXX is legally required to delete this account immediately. Their failure to do so constitutes willful noncompliance under FCRA 1681n, making them liable for damages.

I demand the *immediate deletion of this fraudulent account from all credit bureaus ( XXXX, Equifax XXXX and XXXX XXXX. Failure to comply will result in legal action.

Company response to consumer: Closed with non-monetary relief