vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to request the immediate blocking and deletion of several fraudulent accounts listed on my credit report. As a victim of a recent data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts were fraudulently opened in my name and do not belong to me : XXXXXXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXXXXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$950.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: LJ Ross Associates
State: TN

Complaint narrative:
I have been trying to get the collection off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: PA

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

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

I demand the late payment to be updated.

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

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


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 2024-11-06 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: PA

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

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

I demand the late payment to be updated.

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

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


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 2024-11-06 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:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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

I demand the late payment to be updated.

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


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


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 2024-11-06 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: FL

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


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

I demand the late payment to be updated.

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


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


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 XXXX 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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Dear [ debt collector ], I was contacted by [ debt collector representatives name ] via [ phone or mail ] on [ date ]. The representative said I owed [ dollar amount ] to [ name of creditor ]. However, I do not owe that debt. My information was stolen [ when ], and I disputed that account with [ name of creditor ] and the major credit bureaus. 

If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NJ

Complaint narrative:
In XX/XX/scrub> 2024, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX XXXX XXXX ( XXXX ) dropping " XXXX '' credit score drop across all XXXX credit bureaus : XXXX, XXXX XXXX and TransUnion XXXX 

On XX/XX/year>2024, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year>2024 across all XXXX credit bureaus : XXXX, XXXX XXXX and TransUnion due to incorrect credit reporting, by Select XXXX XXXX XXXX You have been provided proof Select Portfolio XXXX XXXX has XXXX & updated XXXX XXXX account XXXX the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/scrub> 2024, from XXXX XXXX XXXX, XXXX XXXX credit score should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX credit score ( s ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX credit scores by the XXXX points your agency initially took from him in XXXX of 2024 ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 

On XX/XX/year>2024, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>2024. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX credit score ( s ) should be immediately restored/increased XXXX points by all XXXX credit bureaus : XXXX, XXXX, and TransUnion. The corrective actions by your agency should result in XXXX XXXX XXXX XXXX ( XXXX ) increasing by XXXX points and ranging from ( XXXX ) points respectively.

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 2024-11-06 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: WI

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-06 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: WI

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-06 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: U.S. BANCORP
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding a misleading balance transfer offer from U.S. Bank. 

On XX/XX/year>, I applied for the U.S. Bank XXXX XXXX credit card through U.S. Banks website, explicitly seeking a {$30000.00} balance transfer. I entered this requirement during the application process, and the website indicated that my request was approved. However, when I reached the final screen to confirm my account details, I discovered that I was only granted a {$7000.00} credit limitsubstantially less than the balance transfer I needed. 

This unexpected limit made the card unsuitable for my purposes. I immediately contacted U.S. Banks customer service to close the account, as the approved limit was not what I had initially applied for or what was represented during the process. 

I feel that this experience reflects a bait and switch tactic, as I was led to believe I would be receiving sufficient credit to accommodate my balance transfer. Such practices are not only frustrating but also misleading, as they create unnecessary inquiries on my credit report and waste consumers time and resources. 

Thank you for your attention to this matter. I hope this issue will be reviewed to prevent similar experiences for other consumers. 

Sincerely, XXXX XXXX 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 2024-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: GA

Complaint narrative:
XX/XX/XXXX I had a total loss vehicle and loan with Lendmark Financial was closed and removed. In XX/XX/XXXX Lendmark Financial reported on my credit reports that I have new charger off debt for {$6700.00} for Auto loan that I do not own because car is gone due to total loss and is gone scraped in junk yard. We went to court XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX XXXX dismissed the case against me and said I was not responsible for the loan and should be removed off of my credit. Lendmark still will not remove from my reports even with proof and court hiring Lendmark Financial acct # XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
After a careful review of my financial records, I believe this entry to be inaccurate and potentially the result of an administrative error or miscommunication. As such, I kindly request that this matter be thoroughly investigated and corrected at your earliest convenience to ensure that my credit report accurately reflects my payment history. Please make an update on the following accounts that was tagged as late payment : late payment XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$1300.00} XXXX XXXX XX/XX/year> {$0.00}

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 explanation
Consumer complaint received 2024-11-06 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:
15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. I have included copies of my credit report showing the inaccuracies that I need updated and removed from my credit report need updated to paid as agreed. I was never XXXX days late XX/XX/XXXX for XXXX XXXX # XXXX Balance {$70.00} Open XX/XX/XXXX I was never XXXX days late XX/XX/XXXX or XX/XX/XXXX for Capital XXXX accnt # XXXX Balance {$400.00} Open XX/XX/XXXX I was never 30 days late XX/XX/XXXX for XXXX XXXXXXXX accnt # XXXX Balance {$910.00} Open XX/XX/XXXX I was never XXXX  days late XX/XX/XXXX or XXXX days XX/XX/XXXX for XXXX XXXX accnt # XXXX Balance {$9000.00} Open XX/XX/XXXX there are many other inaccuracies showing with this account. I was never 30 days late XX/XX/XXXX on XXXX XXXX accnt # XXXX {$6800.00} XXXX XX/XX/XXXX there are many other inaccuracies showing with this account. I was never XXXX days late XX/XX/XXXX or XXXX days XX/XX/XXXX for Self # XXXX Open XX/XX/XXXX Balance {$1400.00} XXXX dispute XXXX account # XXXX Balance {$4000.00} Open XX/XX/XXXX inaccurate reporting dates of last activity and last payment datesXXXX XXXX  # XXXX Open XX/XX/XXXX Balance {$11000.00} XXXX XXXX  # XXXX Balance {$3300.00} Open XX/XX/XXXX XXXX XXXX  Open XX/XX/XXXX Balance {$7800.00} never 60 days late XX/XX/XXXX or XX/XX/XXXX or XXXX days late XX/XX/XXXX XXXXXXXX XXXX Open XX/XX/XXXX Balance {$5600.00} Date of last activity and date of last payment inaccurate needs to be deleted FCRA violations.XXXX XXXX XXXX XXXX $ Balance {$7600.00} Open XX/XX/XXXX reinvestigate and delete wrong dates of last activity and last payment date FCRA violationsXXXX  XXXX XXXX XXXX # XXXX open XX/XX/XXXX Balance {$14000.00} never XXXX days late XX/XX/XXXX or XXXX days late XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$170.00} Date of last activity XXXX XXXX on all credit reports and last payment dates FCRA violations delete 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 non-monetary relief