vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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:
My account with XXXX XXXX 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 60 days 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 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 8

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
I am filling this FTC identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my Equifax Consumer XXXX credit report which I do not recognize a Hard inquiry named ( XXXX ) applied for on XX/XX/year>, I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: NC

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2024-08-07 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I am filing this complaint because I was not given the opportunity to dispute the alleged debt a debt collection company has put on my credit reports. This company is known as NCA. This company did not send me any information regarding the alleged debt. The debt collection agency is ruining my credit worthiness and my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
PLEASE DELELETE IS ACCOUNT NOW XXXX XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXX/XX/XXXXT Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-07 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: FL

Complaint narrative:
XXXX, transunion and XXXX, Has done a half job Dealing with my XXXX  account Which still holds a negative remark that Im late 30 days which XXXX, nor XXXX nor XXXX nor Transunion has provided Late payment history proof with XXXX  account that Ive been paying as a good consumer with great payment history, XXXX, XXXX and transunion defrauded me and lowered my credit score defamed my character for these thirty day past due remarks Thats plummeting my credit score and credit worthiness XXXX, transunion and XXXX has also never provided me notice of dispute for my last dispute put in XX/XX/year> Which is illegal as well and Im will to escalate this case for XXXX, XXXX and transunion defaming my character and credit worthiness

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 2024-08-07 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: FL

Complaint narrative:
Equifax, XXXX and XXXX, Has done a half job Dealing with my XXXX  account Which still holds a negative remark that Im late 30 days which XXXX, nor equifax nor XXXX nor XXXX has provided Late payment history proof with XXXX  account that Ive been paying as a good consumer with great payment history, equifax, XXXX and XXXX defrauded me and lowered my credit score defamed my character for these thirty day past due remarks Thats plummeting my credit score and credit worthiness Equifax, XXXX and XXXX has also never provided me notice of dispute for my last dispute put in XX/XX/year> Which is illegal as well and Im will to escalate this case for equifax, XXXX and XXXX defaming my character and credit worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This card is American express gift card and My mother gifted me early spring for {$1000.00} XXXXIn XXXX I started using card and all of a sudden, the card started decling so I checked online and I came to know XXXX charges popped up completely note related to me. I live in NY and the charges are from some fony companies in XXXX which I didn't visit in last 5 years. The companies who charged has no physical address, No websites, and No phone numbers.. I contacted the American express but they outsourced this department to overseas company called XXXX Payments. I tried to explain them and they opened a case " Case Number XXXX ''.. Extreme hard to explian to the staff as they failed to understand its fraud. After XXXX weeks they just emailed me that the case has been declined and after that i would have called around XXXX times to talk to some managerial positition to present my case but Managers don't have access to data of resolution team on which grounds they declined my case.. I think Majority phone calls for this department answers by overseas representative where it looks like there is no quality control. 

Here is the list of charges XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2024-08-07 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:
My account with XXXX XXXX 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 60 days 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 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 pursuan
t rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX states I have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish on account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Requesting to have 3 months late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello! 
Chase closed multiple credit cards of mine with them without notice. I have been a long time Chase customer with no issues. Reason was multiple disputes? I dispute only reasonable and wrong charged made on me. I travel every month so things do go wrong quite often. I was told all different things from different Chase reps XXXX said I could open a card again in 30 days/ next billing cycle with no issues. I attempted XXXX times and every card was validated and opened for XXXX days then closed again. This negatively impacts my score. It is ludicrous that they accept my application, allow me to spend, and then a few days later they close my account. XXXX times already. I also gathered points from these cards that seem to be taken away now. XXXX extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and 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 XXXX XXXX XXXX. 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 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 


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


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


Delete the late payments from my consumer reports XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ] [ XXXX ] XXXX [ XX/XX/XXXX ] ** [ LVNV FUNDING LLC [ XXXX, XXXX, XXXX ] XXXX : Dispute of Unauthorized Account and Request for Immediate Action** Dear [ Credit Reporting Agency Name ] , I am writing to formally dispute an unauthorized account that has resulted in wage garnishment from my employer, due to actions taken by LVNV Funding. My details are as follows : - **Name : ** XXXX XXXX XXXX XXXXSocial Security Number : ** XXXX - **Date of Birth : ** XX/XX/XXXX This garnishment is causing me extreme financial hardship while I am already fulfilling my obligations for child support. Due to this situation, I am facing the risk of homelessness and am unable to pay my bills. 
I request that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. I have no knowledge of this account and believe I may be a victim of identity theft. As such, I ask that you take immediate action to delete this unauthorized account from my credit report and block any further reporting associated with it.

Please provide me with written confirmation of the results of your investigation and any actions taken regarding this matter.This Account is idenitiy theft.

Thank you for your prompt attention to this urgent issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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 Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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