vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 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! 


Update 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 2025-01-09 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: GA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update 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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
TransUnion Dark Web Alert XXXX XXXX social security # Compromised, invalid phone # XXXX This shows 12 times on credit report. 
Transunion is the report all these accounts took place on. The details and dates of credit card companies and others with inquiries that need to be deleted from my report are on the attached complaint form filed with XXXXXXXX XXXX I appreciate the time!

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 2025-01-09 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I have been victim of an online breach of information. In result my identity has been stolen, there is incorrect debt being reported in my name, as well banks fraud in name now I am not able to open a bank accounts! for some reason with any large banks because their something reporting that is coming back causing me to get denied. as well as incorrect debt reported on my taxes. It has also affected me being able to file taxes. I was informed that I received XXXX on XXXX XXXX  when I tried to file one on my previous years and I have to pay taxes on money that I have never received or used for XXXX XXXX. Which I am now also banned from using by the way for some reason due to data breach criminals was able to get my information use it to open accounts, scam through XXXX XXXX now reporting Ive made money Ive never seen and more. that was not me so I am writing you guys know that My information was exposed in a date breach and you have to remove this immediately dont turn my dispute into a XXXX day dispute under section XXXX B. Thank you.

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 2025-01-09 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I have been victim of an online breach of information. In result my identity has been stolen, there is incorrect debt being reported in my name, as well banks fraud in name now I am not able to open a bank accounts! for some reason with any large banks because their something reporting that is coming back causing me to get denied. as well as incorrect debt reported on my taxes. It has also affected me being able to file taxes. I was informed that I received XXXX on XXXX XXXX when I tried to file one on my previous years and I have to pay taxes on money that I have never received or used for XXXX XXXX Which I am now also banned from using by the way for some reason due to data breach criminals was able to get my information use it to open accounts, scam through XXXX XXXX now reporting Ive made money Ive never seen and more. that was not me so I am writing you guys know that My information was exposed in a date breach and you have to remove this immediately dont turn my dispute into a 3rd day dispute under section 605 B. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint to dispute a late payment reported by XXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons. 
I haven't given these accounts written permission to furnish these accounts on 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 2025-01-09 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent and inaccurate accounts reported on my credit file by the credit reporting agencies XXXX, Experian, and XXXX. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Despite my attempts to resolve these discrepancies, my disputes have not been investigated or resolved within the required 30 days under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), and I have not received proper notification of these debts as required by 15 U.S.C. 1692g. There are multiple violations of FCRA 607 ( b ) regarding inaccuracies in reporting, including discrepancies in account balances, open dates, payment statuses, and high credit amounts across bureaus. The fraudulent accounts include 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of which contain discrepancies in balances, open dates, or have not been validated. Additionally, unauthorized credit inquiries from XXXX, XXXX, and others must be removed. Fraudulent names such as XXXX XXXX XXXX and incorrect addresses, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, need to be removed. These actions violate federal laws under the FCRA, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), as well as Florida state identity theft laws. I demand immediate removal and blockage of these fraudulent accounts and inquiries from my credit report across Experian, XXXX, and XXXX, written confirmation of their removal, and an updated copy of my credit report. Additionally, I require the implementation of fraud alerts and identity theft resources as mandated by federal and state law, a thorough investigation into how these accounts were recorded without my consent, and the provision of the investigation findings in writing. 
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 2025-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts have been opened without my knowledge or consent. Creditors have failed to delete items that were disputed and failed to provide procedure and method of investigations and evidence supporting accounts belong to me. Due to Identity theft these accounts should be removed from my credit report immediately. 

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 explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I do a yearly credit report from the three main reporting agencies ( XXXX, XXXX, and Trans Union ) and come to find out, they have allowed third party companies to report on my name with me having know knowledge of any agreement with them, also their have been a data breach that may have compromise my personal information.

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 2025-01-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I do a yearly credit report from the three main reporting agencies ( XXXX, Experian, and XXXX XXXX ) and come to find out, they have allowed third party companies to report on my name with me having know knowledge of any agreement with them, also their have been a data breach that may have compromise my personal information.

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 2025-01-09 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: AL

Complaint narrative:
The following Accounts have not been Validated as Accurate and I depended on CFPB to help me correct the following Wrongfully Reported Accounts and they, CFPB has not helped me and allowed Transunion to illegally post invalidated accounts : XXXX XXXX XXXX Acct # XXXX. Not my Account XXXX Acct # : XXXX Reported as 60-80 Days Late. Incorrect. So me Validated Information of Late Pay XXXX XXXX Acct # : XXXX Validate Late Pays XXXX Acct # : XXXX Validate Late Pays XXXXXXXX XXXX  Acct # XXXX XXXX Not My Account *XXXX XXXX XXXX Acct # XXXX XXXX Reported Collection XXXX XXXX Acct # : XXXX. Late 120 Days XXXX XXXX XXXX Acct # : XXXX Late 119 Days. All the above Accounts need to be Validated by actual human. These Accounts are reporting incorrect. My next step is filing arbitration with XXXX and Civial and Federal Court. Remove these items from my Credit File Immediately This information is inaccurate. Please delete it. As per FCRA 15 U.S.C. 1681. ( Remove From My File

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 2025-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I opened an account at Barclays. I confirmed two test deposits and then Barclays transferred {$150000.00} from an account I had at XXXX XXXX XXXXXXXX. Two days later, they locked my online account and I can not access the account or my funds. I have called multiple times requesting assistance and they have denied to help me. I asked them to transfer my funds back to XXXX XXXX XXXXXXXX and they refused. They requested I email them bank statements and a picture of my driver 's license and said it can take up to 10 days for a response. Barclays should have never transferred my funds if they needed additional information from me. I need this money to pay bills and can not access it due to their unethically practices.

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 2025-01-09 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DateXXXX Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


Acct # XXXX Original Creditor : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Comenity Capital Bank, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 

2. A detailed account statement showing the amount of the debt, including any fees or interest. 

3. Date of Last Activity. 

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 

5. Documentation confirming that you have the legal right to collect this debt. 

6. Any correspondence related to this account that includes my signature or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Additional inquires i would like to report : -- XXXXXXXX XXXX XXXX. XXXX Experian, listed as closed acct. however i never had a credit card with XXXX or closed an Acct. -- XXXX XXXX XXXX XXXXXXXX XXXX Experian -- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Experian -- XXXX XXXX XX/XX/XXXX Experian -- XXXXXXXX XXXX XXXX XXXX -- XXXXXXXX XXXX XXXX -- XXXX XXXX XXXX XXXX Experian -- XXXX XXXX XXXX XXXX Experian -- XXXX XXXX XX/XX/XXXX Experian -- Closed Acct. on XXXX XXXX XXXX due to fraud alert on XXXX new card requested and sent. -- XXXX XXXXXXXX XXXX -- XXXX XXXX XXXX XXXXXXXX Experian -- XXXX XXXX Experian XXXX XXXX -- XXXX XXXX XXXXXXXX XXXX -- XXXX XXXX. XXXX XXXX XXXX -- Dark Web XXXX XXXX invalid phone XXXX Social sec. Compromised 12 times this shows on report. I appreciate the time

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