vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I put a lock on my credit report due to information being stolen from work due to a hack a few years prior. In XXXX, I contacted Equifax as an executor of my cousins estate to advise she had died. Instead of marking her deceased on her report, they put it on my credit report. In XXXX, I saw it on my report & called equifax. They confirmed the mistake & advised it was removed from my report. On XX/XX/XXXX I unfroze my account as I was applying for a mortgage. It showed unfrozen, but the mortgage company said it was still showing frozen. They also said it showed a deceased person on the account. I called equifax back & they said the account was on hold as they needed to verify my info to release the hold. They said it would take 7-10 days to resolve. After speaking with XXXX levels of people, the issue was escalated & the freeze would be off within 24 hours & the deceased person mistake would be deleted. On XX/XX/XXXX I also could not access my own credit report. Online showed temporarily unavailable. All of this was supposed to have been resolved by XX/XX/XXXX at XXXX. I went online today, XX/XX/XXXX ( 9 days after calling the last time ) and I still could not access my credit report. I spoke with 3 different levels of people & was told the freeze was off but the original person never escalated the issue about not being able to access my own report. They said it would take 7-10 business days for someone from IT to even email me about it. They would not transfer me to anyone higher up and said they can not contact their IT dept themselves nor could I to get it resolved faster. The only thing they could do is mail me a copy of my report which also couldnt be done for 4 days. They could not also overnight it to me. There doesnt seem to be any way for me to access and get a copy of my own credit report. They requested to sign me up for a credit service that would allow me to run one report a month, but that it would only update once a month also. With trying to buy a house, this is an urgent matter & I should not have to wait 2 weeks ( 3 for when I originally called ) to get a copy of my report, nor should I need to sign up for a new service to get something I have a right to. In researching this online, this exact issue with not being able to access reports & getting this error has been going on with people for years. There is no issue with the other 2 credit reporting agencies & I have a perfect credit score with the other agencies. I need access to this report now, not in 2-3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I got a response letter from lexis nexis from my dispute through the cfpb saying they were going to submit a dispute to the consumer reporting agencies on my behalf and they dont have my permission to do that and i called and spoke to a lexis nexis representative and told her not to submit any disputes to anybody on my behalf and now i got a letter in the mail saying they submitted a dispute on my behalf to XXXX which they never had permission to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
I haven't received a card for my newly opened account in the mail, it's been close to a month. This is my second time calling in concerning the card. It's well passed the due date. Someone on the other end of the call collected my checking account info and then hung up. I called back and politely voiced my concerns, especially sense my card has never come I've become more suspicious. I remained polite, while the person on the other end of the phone proceeded to talk over me and let me know that the calls were meant to be resolved in XXXX mins. I asked was this the normal procedure when someone was trying to make a complaint and if I could speak to a supervisor politely. After a hold and being further informed that it was Friday and that the supervisor was busy... I never got to speak with a supervisor. I had to ask about the complaint process and normal procedures etc... Usually the processes and procedures available to you are presented and explained if needed, I thought anyway. I just want to be sure no fraud is involved concerning my card/account. Id like to be sure of who I was talking to, the times and dates and names of employees so that In the event of fraud etc... Someone can be held accountable. I'm not accusing. My card still hasn't come, I thought the employees I spoke to would understand my concern or the fact that I'm just trying to be safe. I thought I had a legit concern, plz do correct me if I was wrong. Either way when I call, I would like to feel like a valued costumer and that my accounts are safe. Not to be hung up on and not taken seriously. I didn't realize that calls were meant to remain under five mins but if you just explain the process and procedures and not keep me on hold, hoping I would just hang up, the call would probably go a lot smoother. Could've saved us all a lot of time. Thank you for listening. I hope to find out what happened to my card and how often this happens.

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 2024-07-06 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: NC

Complaint narrative:
Per code USC 1681c-2 A consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681- Permissible Purpose Account number XXXX. A Charge-off is considered income ( according to the IRS ) Income is forbidden to be on a credit report per 15 USC 1581 2Ai - no transactions or experience are allowed to be on a credit consumer report. 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Account Name : XXXX XXXXXXXX Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.

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 2024-07-06 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: MN

Complaint narrative:
I can not use the AMEX prepaid gift cards in most online or in-store retailers, and I've already heard from a couple of people who have had the same experience as me that AMEX themselves can not really do anything to help you spend the money other than to suggest you find another retailer and hope the cards work there. I decided to skip the trouble of finding another place where these cards could work and I came here because this was the only place where those people could find closure with their issues as they requested checks which they eventually received that contained the original balance on the AMEX cards that they had previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-06 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: TX

Complaint narrative:
I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 
The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that this account should be corrected right away : XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: TX

Complaint narrative:
I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 
The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that this account should be corrected right away : XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Current XXXX XXXX XXXX  - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are fraudulent accounts in my report. How hard it is to grant me my right of fair and accurate report? you are violating my right by not removing these accounts. Remove these as soon as possible! 

XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXXXXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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. 


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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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. 


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 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 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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