vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 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: WI

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

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

I demand the late payment reported in those account to be removed.

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

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

XXXX XXXX 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 2024-08-09 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: WI

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

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

I demand the late payment reported in those account to be removed.

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

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

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Checking my credit report, I noticed a series of inquiries from Capital One reported with dates of XX/XX/year>2022, inquiries that I did not make nor did I authorize a third party to apply on my behalf. These inquiries are degrading my credit profile, so I filed disputes with the credit bureaus requesting documentation that was used to verify these inquiries. However, they did not respond and provided no documentation regarding the matter. I also filed a complaint against them, but they claim that the inquiries are verified without any evidence that I can corroborate. Therefore, I am submitting this new complaint directly to the lender to seek a resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: CT

Complaint narrative:
Could you please assist me with the negative items on my report? Ive already submitted the XXXX requested documents, the dispute letters, and the details of the accounts I want removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: AZ

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/scrub>/2023 2. I DID NOT AUTHORIZE THIS ACCOUNT AND DONT KNOW THE COMPNAY OR ADRESS. THE PAYMENT HISTORY SAY XXXX DAYS XXXX TIME XXXX BUT XXXX XXXX. THIS IS NOT VALID. 
XXXX Account Number : XXXX REMOVE AND DELETE XXXX. THIS ACCOUNT DOES NOT HAVE ACCURATE INFORMATION AND I DIDNT AUTHORIZE IT. 
PAYMENT HISTORY SAYS DIFFERENT ON EVERY REPORT. LAST PAYMENT SAYS XXXX ON XXXX BUT XXXX ON XXXX. HOW CAN ITBE COLLECTION BUT CHARGEOFF XXXX XXXX Account Number : XXXX DELETE AFTER REINVESTIGATION XXXX. I DID NOT AUTHORIZE XXXX ON MY CREDIT REORT OR KNOW OF THIS. I DONT RECOGNIZE IT. THE OPEN DATE IS DOFFERNT ON EVERY REPORT. The last paymet say XXXX on XXXX BUT XXXX ON TRANSUNION. This is a big ERROR XXXX Account Number : XXXX DELETE AND DELETE XXXX. THIS IS NOT AUTHORIZED BY ME. THE ACCOUNT SAYING CHARGEOFF AND COLLECTION. IT CANT BE BOTH.THE OPEN DATE IS DIFFERENT ON XXXX AND TRANSUION HOW CAN THIS BE. 
XXXX XXXX  Account Number : XXXX DELETE FROM MY REPORT TODAY XXXX. This account is not authorized by me and I DONT KNOW WHO XXXX IS OR HAVE BUSINESS WITH THEM. THE ACCOUNT SAYS COLLECTION AND CHARGEOFF BUT CAN BE BOTH. IF WHY IF THE DATE OPEN DIFFER ON TRANSUNION AND XXXX AND XXXX. ISNT THIS A BIG MISTAKE XXXX Account Number : XXXX PLEASE REINVESTIGATE AND DELETE XXXX. I DIDNOT GIVE PERMISSION OR AUTHORIZE THIS ACCOUNT. PAYMENT HISTORY IS ALSO OFF. 
PAYMENT SCHEDULE SAY XXXX  DAYS LATE XXXX TUMES ON XXXX BUT XXXX  TIMES ON XXXX. IS IT CHARGEOFF OR COLLECTION. THE AACOUNT IS AN ERROR AND DAMAGES MY REPUTATION XXXX XXXX Account Number : XXXX PLEASE DELETEl

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 2024-08-09 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: AZ

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2023 XXXX. I DID NOT AUTHORIZE THIS ACCOUNT AND DONT KNOW THE COMPNAY OR ADRESS. THE PAYMENT HISTORY SAY XXXX  DAYS XXXX TIME EQUIFAX BUT XXXX EXPERIAN. THIS IS NOT VALID. 
XXXX Account Number : XXXX REMOVE AND DELETE XXXX. THIS ACCOUNT DOES NOT HAVE ACCURATE INFORMATION AND I DIDNT AUTHORIZE IT. 
PAYMENT HISTORY SAYS DIFFERENT ON EVERY REPORT. LAST PAYMENT SAYS XXXX ON EQUIFAX BUT XXXX ON XXXX. HOW CAN ITBE COLLECTION BUT CHARGEOFF XXXX XXXX Account Number : XXXX DELETE AFTER REINVESTIGATION XXXX. I DID NOT AUTHORIZE XXXX ON MY CREDIT REORT OR KNOW OF THIS. I DONT RECOGNIZE IT. THE OPEN DATE IS DOFFERNT ON EVERY REPORT. The last paymet say XXXX on XXXX BUT XXXX ON XXXX. This is a big ERROR XXXX Account Number : XXXX DELETE AND DELETE XXXX. THIS IS NOT AUTHORIZED BY ME. THE ACCOUNT SAYING CHARGEOFF AND COLLECTION. IT CANT BE BOTH.THE OPEN DATE IS DIFFERENT ON XXXX AND XXXX HOW CAN THIS BE. 
XXXX XXXX  Account Number : XXXX DELETE FROM MY REPORT TODAY XXXX. This account is not authorized by me and I DONT KNOW WHO XXXX IS OR HAVE BUSINESS WITH THEM. THE ACCOUNT SAYS COLLECTION AND CHARGEOFF BUT CAN BE BOTH. IF WHY IF THE DATE OPEN DIFFER ON XXXX AND EQUIFAX AND XXXX. ISNT THIS A BIG MISTAKE XXXX Account Number : XXXX PLEASE REINVESTIGATE AND DELETE XXXX. I DIDNOT GIVE PERMISSION OR AUTHORIZE THIS ACCOUNT. PAYMENT HISTORY IS ALSO OFF. 
PAYMENT SCHEDULE SAY XXXX  DAYS LATE XXXX TUMES ON XXXX BUT XXXX  TIMES ON XXXX. IS IT CHARGEOFF OR COLLECTION. THE AACOUNT IS AN ERROR AND DAMAGES MY REPUTATION XXXX XXXX Account Number : XXXX PLEASE DELETEl

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: CT

Complaint narrative:
Could you please assist me with the negative items on my report? Ive already submitted the XXXX requested documents, the dispute letters, and the details of the accounts I want removed.

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 2024-08-09 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: UT

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) Representatives, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX This is a duplicate - please remove this item from my report. - I was never late on this account. REMOVE THIS NOW! ( XXXX XXXX  for failing to comply with their obligations under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) regarding the reinvestigation of a late payment on my account. 

I previously requested that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX remove a late payment that was incorrectly reported on my credit history. However, despite providing the necessary documentation and making the appropriate requests, the entity has not conducted a proper reinvestigation nor corrected the inaccurate information. 

According to 15 USC 1666 ( b ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX required to adopt reasonable procedures to ensure the accuracy of statements and to correct any errors within a reasonable timeframe. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information in my credit report should not contain transactions or experiences that negatively impact my credit history without proper verification. 

Therefore, I request the CFPB 's intervention to investigate this non-compliance and take the necessary actions to correct the inaccurate information in my credit report. This situation is negatively affecting my ability to access financial products and other essential services. 

Thank you for your attention to this complaint, and I look forward to a prompt 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 2024-08-09 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: PA

Complaint narrative:
This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report 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 2024-08-09 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX 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 non-monetary relief
Consumer complaint received 2024-08-09 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: WI

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

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

I demand the late payment reported in those account 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX, XXXX ; APPLE CARD - GS BANK ; Please kindly see the attachment! I am writing to seek your urgent assistance regarding a significant issue with my credit report. After reviewing my report with my loan officer, I discovered that my account was marked as late for XXXX, XXXX, and XX/XX/year>. This seems to be an error, as I settled my bill in full, totaling {$3200.00}, in XX/XX/year>, and requested that the account be closed immediately. 

I recently ( TODAY ) contacted your customer service team to address this issue. During a call a few minutes ago, a representative confirmed that the account was indeed closed and that there is no remaining balance. They assured me that an immediate request would be submitted to remove the late payments from my credit report. I am following up with this email as advised to ensure that the correction is processed without delay. 

The erroneous late payments are causing significant distress and could jeopardize my home purchase, as my loan officer indicated that these marks are adversely affecting my credit score. Given our positive history, I am confident that we can resolve this matter swiftly and prevent further complications. 

( APPLE CARD - GS BANK XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX, PA XXXX ( XXXX ) XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: IL

Complaint narrative:
TOMO Charge card I am absolutely certain that you have got many complaints about this company they refuse to close my account no matter what I do constantly getting charged per month for absolutely no service I just want my account closed and it's very difficult to do as you have to know through other complaints.. TOMO XXXX TOMO XXXX  TOMOXXXX PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: MI

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX XXXX XXXX$350.00} XX/XX/year> # XXXX Remove Acct XXXX XXXX XXXXXXXX Remove inquiry XXXX XXXX XXXXXXXX Remove inquiry

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 2024-08-09 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief