vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX responded to XXXX My due date each month was due on the XXXX of each month. 
My payment history is as follows : DUE XXXX XXXX {$150.00} on XX/XX/XXXX XXXX XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$160.00} ON XX/XX/XXXX AND ON XXXX XXXX $ XXXX My credit report still reflects a 30 days late payment on XXXX, Transunion and XXXX. The credit reporting agencies failed to validate the late payment. What procedure did XXXX, Transunion, XXXX use to follow " to assure maximum possible accuracy '' according to 15 USC 1681e- ( Compliance procedure ).

Where was my account 30 days LATE? Late payment is when a payment was not made for 30 days. In order for a late payment to be reported to a consumer report-the following must be met according to 15 US Code 1666b-Timing of payment 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 failed to provide proof that my periodic statement was mailed or delivered 21 days before my due date. 

I spoke with a representative at XXXX and the customer representative cited that my XX/XX/XXXX payment posted for XX/XX/year> payment and made my XXXX payment 30 days late. XXXX is deceptive in their response using a distracting long response and not addressing when the payment was due and when was the payment received-it 's just that simple. XXXX noted in their response that a payment was not received on my XX/XX/XXXX due date and was marked " delinquent '' when my bank statement clearly note the minimum due was paid within that same month-where was my account 30 days late???

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 2024-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX responded to XXXX My due date each month was due on the XXXX of each month. 
My payment history is as follows : DUE XXXX XXXX {$150.00} on XX/XX/XXXX XXXX XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$160.00} ON XX/XX/XXXX AND ON XXXX XXXX $ XXXX My credit report still reflects a 30 days late payment on XXXX, XXXX and Equifax. The credit reporting agencies failed to validate the late payment. What procedure did XXXX, XXXX, Equifax use to follow " to assure maximum possible accuracy '' according to 15 USC 1681e- ( Compliance procedure ). 

Where was my account 30 days LATE? Late payment is when a payment was not made for 30 days. In order for a late payment to be reported to a consumer report-the following must be met according to 15 US Code 1666b-Timing of payment 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 failed to provide proof that my periodic statement was mailed or delivered 21 days before my due date. 

I spoke with a representative at XXXX and the customer representative cited that my XX/XX/XXXX payment posted for XX/XX/year> payment and made my XXXX payment 30 days late. XXXX is deceptive in their response using a distracting long response and not addressing when the payment was due and when was the payment received-it 's just that simple. XXXX noted in their response that a payment was not received on my XX/XX/XXXX due date and was marked " delinquent '' when my bank statement clearly note the minimum due was paid within that same month-where was my account 30 days late???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
XXXX responded to XXXX My due date each month was due on the XXXX of each month. 
My payment history is as follows : DUE XXXX XXXX {$150.00} on XX/XX/XXXX XXXX XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$160.00} ON XX/XX/XXXX AND ON XXXX XXXX $ XXXX My credit report still reflects a 30 days late payment on Experian, XXXX and XXXX. The credit reporting agencies failed to validate the late payment. What procedure did Experian, XXXX, XXXX use to follow " to assure maximum possible accuracy '' according to 15 USC 1681e- ( Compliance procedure ).

Where was my account 30 days LATE? Late payment is when a payment was not made for 30 days. In order for a late payment to be reported to a consumer report-the following must
be met according to 15 US Code 1666b-Timing of payment 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 failed to provide proof that my periodic statement was mailed or delivered 21 days before my due date. 

I spoke with a representative at XXXX and the customer representative cited that my XX/XX/XXXX payment posted for XX/XX/year> payment and made my XXXX payment 30 days late. XXXX is deceptive in their response using a distracting long response and not addressing when the payment was due and when was the payment received-it 's just that simple. XXXX noted in their response that a payment was not received on my XX/XX/XXXX due date and was marked " delinquent '' when my bank statement clearly note the minimum due was paid within that same month-where was my account 30 days late???

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 2024-11-11 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: AL

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX, XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and I seek resolution.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Removal of Negative Items and Inquiries from Credit Report Dear Team, I hope this message finds you well. I am writing to request the removal of three negative items from my credit report, listed as follows : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX. XXXX , opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX, opened on XX/XX/XXXX Additionally, I would like to request the removal of all inquiries associated with my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as these have negatively impacted my credit score and my other financial decision.These negative items are in my account as i notice since XXXX. I appreciate your assistance in this matter and look forward to your prompt response. Thank you for your attention to this request. Best regards

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Removal of Negative Items and Inquiries from Credit Report Dear Team, I hope this message finds you well. I am writing to request the removal of three negative items from my credit report, listed as follows : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX. XXXX , opened on XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX, opened on XX/XX/XXXXXXXX Additionally, I would like to request the removal of all inquiries associated with my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as these have negatively impacted my credit score and my other financial decision.These negative items are in my account as i notice since XXXX. I appreciate your assistance in this matter and look forward to your prompt response. Thank you for your attention to this request. Best regards

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 2024-11-10 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX . These item is currently showing inaccurately on my credit report filed with your credit bureau. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX . These item is currently showing inaccurately on my credit report filed with your credit bureau. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

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 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ATG Credit, LLC
State: GA

Complaint narrative:
ATG has reported a debt to my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On the dates of XX/XX/2024, XX/XX/2024, and XX/XX/2024 I issued an indorsed negotiable instrument to capital one along with a tender of payment in the amount of {$1200.00} in an attempt to settle the debt obligation of my credit card. Capital one kept my negotiable instrument and told me that they would not accept my payment and also refused my tender of payment. According to UCC 3-603 If a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and the tender is refused then there is discharge to the extent of the amount of the tender. After my first payment attempt on the XXXX of XXXX they also restricted my account. I issued them a timely notice of the billing error and informed them that according to 12 CFR 1026 13 ( d ) ( 3 ) restricting my account is prohibited. They refuse to comply with the laws, and continue to violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Company- XXXX XXXX XXXXXXXX Ive reached out for debt validation never received anything also this debt has been written off and in North Carolina if a debt has been written off you can no longer collect or sue they have done both I would like this account removed ASAP!

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 2024-11-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Company- XXXX XXXX XXXXXXXX Ive reached out for debt validation never received anything also this debt has been written off and in North Carolina if a debt has been written off you can no longer collect or sue they have done both I would like this account removed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: NC

Complaint narrative:
Company- XXXX XXXX XXXXXXXX Ive reached out for debt validation never received anything also this debt has been written off and in North Carolina if a debt has been written off you can no longer collect or sue they have done both I would like this account removed ASAP!

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 2024-11-10 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXXXXXX, Number : 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 2024-11-10 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: MN

Complaint narrative:
Upon checking my XXXX XXXX TransUnion account theyre two un-authorized Hard Inquiries reporting on my TransUnion account. 


These two hard inquiries are effecting my account in a negative display.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2024 I requested Transunion to provide me with a description as to how they verified account # : XXXX from XXXX XXXX XXXX. I received the dispute results days prior to asking them for this information, asking them to verify it because I noticed that there was no removal and I noticed a slew of inconsistencies on my report regarding this account ; Inconsistent last reported days, inconsistent date open dates, etc. After removing a multitude of items from my report within the last 60 days, It is clear that I am well informed of my FCRA rights. 

According to 15 USC 1681e ( b ), it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

So again, on XX/XX/2024 I asked them to provide me a description of the investigation, according to 15 USC 1681I ( 7 ), description of reinvestigation procedure ; A consumer reporting agency shall provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description.

But they did do this either. And therefore, are breaking these laws listed below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Not only did they not delete the information, they did not even attempt to update it, given the documentation I provided. My document was completely and utterly disregarded, and some ledger with numbers on it that can easily be made up, superceded a court issued document specifically produced as proof for instances such as this. 

This is unfair and a TOTAL VIOLATION of my rights. Imagine how many other people 's lives they are handicapping if they are doing this to me. I AM VEHEMENTLY INSTRUCTING YOU ALL TO REMOVE THIS ACCOUNT UPON BUSINESS DAY, RECEIPT OF THIS NOTICE XX/XX/2024 BEING TODAY, SUNDAY, NO LATER THAN XX/XX/2024 MONDAY, A BUSINESS DAY DURING BUSINESS HOURS.

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