vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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!

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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In XXXX, I applied and received a United Explorer Card with Chase Bank. After getting married and changing my last name in XXXX, I inquired through the Chase app as to how to update my last name. They said there would be a form they would mail to my address on file for me to fill out and return. I inquired 3 times over a 6 month period, during which I never received these forms - despite verifying that the physical mailing address they had on file for me was accurate. I continued to use my card with my former last name, but when my card expired in XX/XX/XXXX, I never received a new one. I again inquired multiple times, even scheduling an in person meeting at a Chase Bank where the representative called the credit card division on my behalf and was told the form to update my last name and subsequently a new card would be mailed to me. I again verified with the representative on the phone that the address they had on file was correct. It has been a year and I have still yet to receive the form or a new card, but was just charged the annual fee ( {$95.00} ) for the card, despite not being able to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. Here is the item I am asking you to verify as accurate ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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 seek your assistance with the false account appearing on my credit report. This matter has severely harmed my reputation, and I need your intervention. Your mishandling of my credit report has brought me to a breaking point, as your incorrect reporting has shattered my reputation. You need to correct this situation so I can have peace of mind with my family.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
the information given was not correct or done by me. I wish to have them closed. 

Jefferson Capital LL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-20 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Ongoing Credit Reporting Issue - Fraudulent Transaction Not Resolved Dear Consumer Financial Protection Bureau I am writing to formally complain about a persistent issue that has severely affected my credit score and financial standing. Despite my previous complaint, which was resolved in my favor, the issue remains unresolved. 

Details : Account in Question : Credit card Home Depot Involved Parties : Home Depot and CitiBank Nature of the Issue : Fraudulent transaction In XX/XX/XXXX, I reported a fraudulent transaction linked to my Home Depot credit card issued by CitiBank. Following my complaint, Home Depot agreed to erase the fraudulent transaction from my account and assured me that my XXXX score would be corrected accordingly. 

However, it has now been two months since that resolution, and I continue to receive bills from Home Depot for the fraudulent transaction, which now includes interest charges. This ongoing issue is negatively impacting my XXXX score, preventing me from securing a mortgage. 

Attached Documentation : Copies of Home Depot and CitiBanks decision to erase the transaction. 
Copies of the new bills I received in XX/XX/XXXXXXXX 
I respectfully request that you investigate this matter promptly and take the necessary steps to correct my credit report. If this issue persists, I will have no choice but to pursue legal action against both Home Depot and CitiBank for the damages caused by their failure to resolve this fraudulent transaction. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX west XXXX XXXXXXXX XXXX XXXX XXXX, NY 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 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
At some point between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX transferred their accounts to TD Bank. 

Received XXXX statement on XX/XX/XXXX. My bill is due on the third of every month via automatic payment that I have authorized XXXX to take from my bank each month. After reviewing my statement I noticed I had been charged a late fee of {$29.00} on the date my XXXX payment was due. 

At XXXX XXXX  EST on XX/XX/XXXX, I called the customer service number XXXX and was on hold for 30 minutes. After a 30 minute hold time, I disconnected the call. Afterwards, I submitted the following message on TD
financing website, XXXX, and explained the issue : " I just received my bill with TD financing for the first time and have late fees of {$29.00}. My payments are and were setup for XXXX to take payments from my bank on the due date every month. For the last 10 months the payment has been withdrawn AFTER the due date and I have never been charged a late fee. It is not my fault if TD bank didn't take the money on the date they were supposed to be paid. Please remove the late charges from my account and adjust my credit score accordingly! '' The message still shows as " Pending. '' I attempted to call again at XXXX EST on XX/XX/XXXX, and was left on hold again for another 37 minutes. My mail came that same day, and in it was a past due notice from TD Bank Retail Card Services for XXXX XXXX. I called the number on the letter, ( XXXX ) XXXX. The gentleman that I spoke to was with the collections department and because my account had not been flagged as of yet, there wasn't anything he could do except take a payment or make a payment schedule. He offered to transfer me to another department that could handle the errors on my statement, where I sat for another 30 minutes on hold. About this time is when I decided to research about filing a federal claim.

In looking at my most recent activity on TDFinancing.com, there are currently XXXX declined transactions for {$8.00} on a single day, XX/XX/XXXX. This {$8.00} is to cover XXXX XXXX which is now being threatened to be discontinued due to a payment error. I received a text message on XX/XX/XXXX instructing me to update my payment method or lose my XXXX XXXX XXXX. Again, there has never been an issue with my payment method. I believe I had one late payment in the very beginning with XXXX XXXX still in control and they waived the late fee. From that point on, I allowed XXXX to take the payments when due to avoid another late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I was given an American Express gift card as a payment for a job and have been unable to use it almost everywhere I have tried. it will not work on XXXX. I tried to make a large purchase of a refrigerator from XXXX XXXX and the card was declined as well. I have XXXX sitting on this card and have not found a place that it is accepted. I have reached out to the company to solve and have not received a response. I have a case number but its been a year and this is as far as I have made it. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that Transunion, XXXX and XXXX XXXX reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. These separate fraudulent charge-offs, collections and inquiries on my consumer FICO credit report which I did not give my written permission to furnish information on my consumer reports. I was not warned before any transaction that I would be creating credit with a wet ink signature and I did not receive my 3 discosures pursuant FCRA Gramm leach Bliley ACT ( 15 U.S.C 6802a, which includes the option to opt-out of information being furnished to my consumer report. which proves these accounts is reporting fraudulently and committing identity theft. XXXX XXXX XXXX XXXX date XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX, XXXX on XX/XX/year>, XXXX on XXXX XXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX on XX/XX/year> and every address on my consumer report except XXXX XXXX XXXX, XXXX tx XXXX all these entries violates FCRA and FDCPA. Im requesting deletion in Good In Good Faith All rights Reserved These inaccurate and false information being furnished I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. These separate fraudulent charge-offs, collections and inquiries on my consumer XXXX credit report which I did not give my written permission to furnish information on my consumer reports. I was not warned before any transaction that I would be creating credit with a wet ink signature and I did not receive my XXXX discosures pursuant FCRA XXXX XXXX XXXX XXXX ( 15 U.S.C 6802a, which includes the option to opt-out of information being furnished to my consumer report. which proves these accounts is reporting fraudulently and committing identity theft. XXXX XXXX XXXX XXXX date XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX, XXXX on XX/XX/2023, XXXX on XXXX XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023 and every address on my consumer report except XXXX XXXX XXXX, XXXX tx XXXX all these entries violates FCRA and FDCPA. Im requesting deletion in Good In Good Faith All rights Reserved These inaccurate and false information being furnished I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that Transunion, XXXX and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. XXXX. XXXX XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX, account XXXX date opened : XX/XX/XXXX XXXXXXXX XXXX  account XXXX date XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.

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 2024-08-20 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-08-20 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: TX

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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