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: EQUIFAX, INC.
State: IL

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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. XXXX USC XXXX 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! 

XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2024-08-20 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As of XXXX XXXX I was declined on XXXX seprate occassions for a credit card through Citibank. 
-My account was closed through XXXX XXXX on another occassion. 
XXXX closed my account without my knowledge, due to something other than having no late payments and recently a credit increase. couldn't contact anyone to find out why it was closed. At the time my XXXX XXXX was XXXX. 
XXXX received a letter explaining my decline from Citibank XXXX due to nothing about my XXXX XXXX or rating, from XXXX XXXX after applying for credit stating my that they did a background check and sounds like they were not satisfied with it. Why would they need to do a background check for credit, with a XXXX XXXX of XXXX also at that time. 
-I reqeusted information from Citibank XXXX ( XX/XX/year> ) about why they wouldn't give me the credit and they wouldn't tell me anything but wait for the letter to come in the mail. 

I believe that they are XXXX  against me due to my background.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As of today this company get reporting me to XXXX XXXX  of a closed acct of being late. This acct has been close for over a year. And this company continue to charge late charges and report this acct as if it is an active acct. balances of this closed acct continue to rise because this company is fraudulently and continues to report late payments and late fees knowing this acct has been closed.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As of today this company get reporting me to XXXX XXXX  of a closed acct of being late. This acct has been close for over a year. And this company continue to charge late charges and report this acct as if it is an active acct. balances of this closed acct continue to rise because this company is fraudulently and continues to report late payments and late fees knowing this acct has been closed.

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: PA

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 XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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. XXXX USC XXXX 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! 

XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
ONCE MY ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX, FORTIVA CHANGED THE TERMS AND CHARGED A MONTHLY FEE OF $ XXXX {$60.00} ANNUAL FEE. I WAS NOT AWARE OF THIS SINCE I PAID THE ACCOUNT IN FULL AND THOUGHT THE ACCOUNT WAS CLOSED. 
LOOKS THEY SENT AN EMAIL ON XX/XX/XXXX, BUT I NEVER SAW THE EMAIL UNTIL TODAY! MY UNDERSTANDING WHEN I OPENED THE ACCOUNT WITH VIVINT WAS THAT IT WAS NOT A CREDIT CARD BUT AN ACCOUNT FOR EQUIPMENT. FORTIVA CHANGED MY ORIGINAL ACCOUNT WITH VIVINT FROM A STORE ACCOUNT TO A CREDIT CARD ACCOUNT WITHOUT MY CONSENT. 

ALL IN ALL, MY CONSENT WAS NEVER GIVEN TO ANY OF FORTIVA 'S CHANGES AND THEY NEVER ASKED. LOOKS LIKE THEY JUST SENT MESSAGES AND IF YOU DID NOT REPLY THEY DID WHAT THEY WANTED WITH YOUR INFORMATION AND ACCOUNT. THIS SHOULD BE ILLEGAL. 
IT APPEARS FORTIVA ADDS ANNUAL FEES ONCE THE ACCOUNT IS PAID IN FULL HOPING THE CUSTOMER DOESN'T CLOSE THE ACCOUNT SO THE FEES SEEM JUSTIFIED. ISN'T THIS ILLEGAL?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 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: MD

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX.

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has v

iolated my rights according to 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. 

Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  ( ORIGINAL CREDITORXXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX ; * Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: MD

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX Account # XXXX Account Name : XXXXXXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX  ( ORIGINAL XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX ; * Account Name XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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. 

This company 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 2024-08-20 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: IL

Complaint narrative:
Im asking for your support in addressing the incorrect account thats being reported on my credit file. This mistake has tarnished my reputation, and I need your help urgently. Your errors have caused immense distress, and its imperative that you correct these mistakes so I can focus on my family.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon checking my credit report I have discovered accounts that were opened without my consent. After a thorough investigation, I have discovered that these accounts are fraudulent. The accounts are XXXX XXXX XXXXXXXX with account number XXXXXXXX XXXX with account number XXXX, XXXX XXXX  with account number XXXX, and fraudulent hard inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA
State: PA

Complaint narrative:
This account has been closed and paid off for a number of years and it's still on my credit report

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 information incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I requested information of validation and balance Western funding Inc. opening date XXXX  XX/XX/year> Account number XXXX Western Funding inc XXXX XXXX XXXX XXXX XXXX, Nevada 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have opened up disputes with Experian in regards to an account that was open up fraudulent do to my XXXX  XXXX situation. I contacted Experian back in XXXX XXXX XXXX XXXX and XXXX each time I speak to the via phone they close the current dispute that I have open without doing a proper investigation which is a direct violation of the FCRA 1681b which states I have the right to ensure accuracy of the information contained in my credit report. As of today XX/XX/year> I have contacted Experian they again closed my complaint that was sent by the cfpb on XX/XX/year> and also closed my dispute that was made on XXXX XXXX without doing a investigation

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

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: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Im with US BANK Somebody tried to put a fraud check through the mobile app they say I know nothing bout it so they said they closing the account cant nothing come in or out but my unemployment check went through anyway tried to get it out they say no wait till investigation is done ok so a few weeks go by they say it was complete that nothing can go in or out I tried to redirect so they can send it back to unemployment but no they took another check so Im calling everybody and going in to talk to branch manager I need my money yall just holding my check then I was told XX/XX/XXXX the account suppose to closed and they mail out me a cashier check so everyday including today I keep getting no answer now they telling me not until XX/XX/XXXX because of another claim no one can tell me nothing they dont know and the date keeps changing everyday and they keep telling me the investigation is done but they all been telling me 30 days I havent had a paycheck since XX/XX/XXXXXXXX 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX - CLOSED ACCOUNT. Opened XX/XX/XXXX - Today, I contacted the number for XXXX XXXX from my XXXX credit report. I was told that the account is currently in collections for the balance, although it reports Paid/Closed. I was advised that I should contact the bureau regarding how they are reporting the account. I informed XXXX XXXX  that the claim was filed with the CPFB. They stated that they notified the store of where the merchandise was purchased. They stated they would send the update to the credit bureau. They provided email on where to send screenshots of how it was reporting in my credit. I spoke to the manager, XXXX. I requested the email of the XXXX  and they did not have it. They stated that they only report to XXXX and TransUnion. They werent sure on how XXXX reported when they dont report to XXXX XXXX I disputed to the credit bureau in the past and was advised that the update was accurate information, although it is an inaccurate. For XXXX, the reinvestigation information was unchanged and the Dispute Took place XX/XX/XXXX. XXXX has been disputed in XXXX, XXXX, and XXXX with no result or update.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX - CLOSED ACCOUNT. Opened XX/XX/XXXX - Today, I contacted the number for XXXX XXXX from my XXXX credit report. I was told that the account is currently in collections for the balance, although it reports Paid/Closed. I was advised that I should contact the bureau regarding how they are reporting the account. I informed XXXXXXXX XXXX that the claim was filed with the CPFB. They stated that they notified the store of where the merchandise was purchased. They stated they would send the update to the credit bureau. They provided email on where to send screenshots of how it was reporting in my credit. I spoke to the manager, XXXX. I requested the email of the CEO and they did not have it. They stated that they only report to XXXX and XXXX. They werent sure on how Equifax reported when they dont report to Equifax . I disputed to the credit bureau in the past and was advised that the update was accurate information, although it is an inaccurate. For XXXX, the reinvestigation information was unchanged and the Dispute Took place XX/XX/XXXX. Equifax has been disputed in XXXX, XXXX, and XXXX with no result or update.

Company response to consumer: Closed with explanation