vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
My accounts was never late! I have had exceptional payment history with XXXX  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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute an error on my credit report involving XXXX XXXXXXXX XXXX. The bank has inaccurately reported me as an authorized user on my late grandfathers credit card account, which I have never been added to in any capacity. My grandfather attempted to resolve this matter prior to his passing by contacting XXXX XXXX  XXXX to remove my name and correct the error, but his efforts were met with unwarranted obstacles. 

Despite providing all necessary identification, including his Social Security number, drivers license, date of birth, address, and the old credit card number associated with the account, XXXX  XXXX XXXX refused to honor his request. They claimed that he needed to verify a new card they alleged he applied for and received, but my grandfather insisted he never received any such card. Further, the bank would not allow him to file a formal dispute or escalate the issue. 

This situation has caused unnecessary harm to my credit and reflects a failure on the part of XXXX XXXX XXXXXXXX to properly investigate and rectify their reporting error. I kindly ask for your assistance in ensuring this matter is resolved, the inaccurate information is removed from my credit report, and XXXX XXXX  XXXX is held accountable for their handling of this issue. 

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally dispute an error on my credit report involving XXXX XXXX XXXX. The bank has inaccurately reported me as an authorized user on my late grandfathers credit card account, which I have never been added to in any capacity. My grandfather attempted to resolve this matter prior to his passing by contacting XXXX XXXX XXXX to remove my name and correct the error, but his efforts were met with unwarranted obstacles. 

Despite providing all necessary identification, including his Social Security number, drivers license, date of birth, address, and the old credit card number associated with the account, XXXX XXXX  XXXX refused to honor his request. They claimed that he needed to verify a new card they alleged he applied for and received, but my grandfather insisted he never received any such card. Further, the bank would not allow him to file a formal dispute or escalate the issue. 

This situation has caused unnecessary harm to my credit and reflects a failure on the part of XXXX XXXX XXXXXXXX to properly investigate and rectify their reporting error. I kindly ask for your assistance in ensuring this matter is resolved, the inaccurate information is removed from my credit report, and XXXX XXXX XXXX is held accountable for their handling of this issue. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally dispute an error on my credit report involving XXXX XXXX XXXX. The bank has inaccurately reported me as an authorized user on my late grandfathers credit card account, which I have never been added to in any capacity. My grandfather attempted to resolve this matter prior to his passing by contacting XXXX XXXXXXXX XXXX to remove my name and correct the error, but his efforts were met with unwarranted obstacles. 

Despite providing all necessary identification, including his Social Security number, drivers license, date of birth, address, and the old credit card number associated with the account, XXXX XXXX XXXX refused to honor his request. They claimed that he needed to verify a new card they alleged he applied for and received, but my grandfather insisted he never received any such card. Further, the bank would not allow him to file a formal dispute or escalate the issue. 

This situation has caused unnecessary harm to my credit and reflects a failure on the part of XXXX  XXXX XXXX to properly investigate and rectify their reporting error. I kindly ask for your assistance in ensuring this matter is resolved, the inaccurate information is removed from my credit report, and XXXX XXXXXXXX XXXX is held accountable for their handling of this issue. 

Thank you for your time and 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 2025-01-06 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:
Recently l locked at a copy of my credit report and noticed several inaccurate on my account this account is hurting my ability to obtain credit is my understanding tha you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as accurate XXXX XXXX XXXX closed XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently l locked at a copy of my credit report and noticed several inaccurate on my account this account is hurting my ability to obtain credit is my understanding tha you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as accurate XXXX XXXX XXXX closed 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 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Since XX/XX/XXXX I was detained by XXXX police department. Currently still XXXX and during this XXXX, I have been experiencing fraudulent activity on my chase business bank account. 
XX/XX/XXXX a recipient added their selves to my XXXX account and attempted to take {$1600.00} and another for {$490.00} which was denied by the bank. XX/XX/XXXX Money was taken from my account in the amount of {$1000.00} and another XX/XX/XXXX In The Amount of {$500.00}, which both of those transactions was approved by the bank. This put me and my family at a financial hardship and I need something to be done about this because the bank is telling me they can no longer further assist with my situation. This is discrimination and my XXXX  is a clear fact that these were fraudulent charges, in addition chase has committed false advertisement due to not insuring my money in my accounts as displayed in the disclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I previously placed an order with XXXX, in which some items were returned. The return was processed successfully, now some time later a debt is being collected stating that I owe them money and affecting my credit. I have the original documents of when it was processed. When I now log in to the account they have modified it to show that I owe them money since the payment did not go through. That is false, payment was made and items were shipped. Something fraudulent is going on. This happened a months later after everything was completely done with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: VA

Complaint narrative:
Ive had multiple inquiries from your company show up on my credit report that I know I didnt authorize. These inquiries are hurting my credit score and making things unnecessarily difficult for me.

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 2025-01-06 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: CA

Complaint narrative:
This complaint is being sent with urgency and is not a mistake. My credit report contains false and inaccurate information, which is causing significant stress and negatively impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XX/XX/year> ] [ Midland Credit Management INC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, MI, XXXX ] Subject : Notice of Code Violation Unlawful Debt Collection Activity in New York State Dear [ Midland Credit Management INC ] , I am writing to formally notify you of a violation of New York State debt collection laws and the Fair Debt Collection Practices Act ( FDCPA ), regarding your reporting or collection of a debt that is not permissible under New York State law . 

The debt in question, [ XXXX ], appears on my credit report. As per Section 380-j ( e ) of the New York General Business Law, certain debts are not collectible under New York State law , including those that have exceeded the statute of limitations or involve entities that are not licensed to collect debts within New York State . 

Additionally, under the FDCPA ( 15 U.S. Code 1692e ), debt collectors and credit reporting agencies are prohibited from using false, deceptive, or misleading practices in the collection or reporting of debts.

Specifically, I believe this violation includes the following : 1. [ Attempting to collect a debt after the statute of limitations expired. ] 2. [ Reporting a debt from an unlicensed debt collector. ] I demand that you : 1.Immediately cease reporting this debt on my credit report.

2.Provide written confirmation that this debt has been removed from my credit file.

3.Refrain from any further collection or reporting activities related to this debt.

Failure to comply with this notice may result in further action, including filing a formal complaint with the New York State Department of Financial Services, the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies.

Please provide a written response within 30 days confirming your compliance. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

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 2025-01-06 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.

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 2025-01-06 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: TX

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

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 response to consumer: Closed with explanation