vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
My account with EQUIFAX XXXX 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
Upon examining my credit report, I noticed the inclusion of several accounts that are currently subject to ongoing litigation. Given that these legal matters are still unresolved, their presence on my report is unduly impacting my credit score

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 2024-11-21 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: MA

Complaint narrative:
On XX/XX/XXXX my Experian online account was hacked and my email address and phone number on file were changed. I immediately called Experian after I received the email notification and after a long wait and calling various phone numbers l was finally able to speak to an actual person who was able to lock my online account down. I was provided with a case number and was told I needed to fax/mail certain information/documentation to verify my identity so the account could be reset. Over a month ago I faxed Experian a copy of my drivers license, social security card, bank statement and even a mortgage statement for the home/address on my credit report to Experian ( Fax : ( XXXX ) XXXX, Attn : Experian Consumer Affairs ). 

Ive called Experian Consumer Affairs numerous times and they say there is nothing they can do and transfer me to Fraud. Fraud transfers me to Membership Support. Membership Support says I need to contact Consumer Affairs as that is their area.and the whole process starts over again. 

I followed up with Membership Support via email and they informed me they couldnt find my faxed documentation and said I could use the http : //www.experian.comXXXX XXXX to try uploading my documentation again to speed up the process. I went ahead and did this.

At this point Im at a loss ; Ive sent sensitive documentation to Experian and have received no acknowledge as to whether its been received or not. Im locked out of my online account with no access at all. I d spent countless hours on the phone trying to get some semblance of answer with nothing to show for it. It is nearly impossible to speak to an actual human being at Experian and when you finally do speak with someone they just transfer you to another department with no regard for your problem.

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 2024-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management claims that I owe them for a vehicle that I never purchased. According to them they are a debt collector and will not send me any documentation that shows a legal contract that I signed for a car lease. They have been harassing me for almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am 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 2024-11-21 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: CA

Complaint narrative:
I am 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 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report, I want this fraudulent account to be removed from my credit report immediately because it hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my SSN card.

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 2024-11-21 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: TX

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my SSN card.

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express Financial Institution is committing Securities Fraud, It is trading my Securities on the secondary Market collecting dividends and gains to enrich them selves. 

When Brought to their attention, the matter was ignores and not addressed in the response sent to me on XX/XX/year> please refer to the attached Documents for full description and details on the Securities Fraud being committed by American Express Financial Institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-21 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: NC

Complaint narrative:
I opened a XXXX XXXX XXXX card to help establish a good payment history. The advertisement claimed to raise your credit score after using for several months. I was required to deposit around XXXX to the account/card and pay bills with the card only spending this amount. I had issues right away after depositing the required amount and the card not being honored or accepted at several companies... including my power company. I incurred late fees after using the specified routing number and the card getting rejected. I have screen shot images of the card being declined and this does not look good for my payment history with utility companies and my credit card company. As I was getting ready to post a payment to the chime builder card mid XXXX saw that the card was not in my accounts on the XXXX mobile app. I did some investigating and saw there was a delinquent account posting on my credit report for XXXX. I was very upset because I do not have any past due or delinquent reporting on my credit report. The negative hit caused a XXXX point decrease in my credit score. I called Chime several times and I was informed the situation would be rectified and I would see the adjustment on my report. It is important that I share I am a survivor of Hurricane Helene. I was with out power, water, internet starting XXXX XXXX 2024. This lasted for nearly one month. I am very stressed with the devastation in my area and I need my credit score to be at a level to purchase a new home after the storm. On XX/XX/XXXX XXXX posted the account delinquent again after all the phone calls and promises of fixing the problem. I have only one credit card with XXXX XXXX that I am making payments on. The account is in good standing. I have no intention of calling XXXX bank again to have to speak with 4 separate departments outsourced to other countries and still not have the problem dealt with. I do have record of my monthly payments to the XXXX XXXX builder card. I am planning to cancel my account entirely which includes checking and savings account.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I opened a XXXX XXXX XXXX card to help establish a good payment history. The advertisement claimed to raise your credit score after using for several months. I was required to deposit around XXXX to the account/card and pay bills with the card only spending this amount. I had issues right away after depositing the required amount and the card not being honored or accepted at several companies... including my power company. I incurred late fees after using the specified routing number and the card getting rejected. I have screen shot images of the card being declined and this does not look good for my payment history with utility companies and my credit card company. As I was getting ready to post a payment to the chime builder card mid XXXX saw that the card was not in my accounts on the XXXX mobile app. I did some investigating and saw there was a delinquent account posting on my credit report for XXXX. I was very upset because I do not have any past due or delinquent reporting on my credit report. The negative hit caused a XXXX point decrease in my credit score. I called Chime several times and I was informed the situation would be rectified and I would see the adjustment on my report. It is important that I share I am a survivor of Hurricane Helene. I was with out power, water, internet starting XXXX XXXX 2024. This lasted for nearly one month. I am very stressed with the devastation in my area and I need my credit score to be at a level to purchase a new home after the storm. On XX/XX/XXXX XXXX posted the account delinquent again after all the phone calls and promises of fixing the problem. I have only one credit card with XXXX XXXX that I am making payments on. The account is in good standing. I have no intention of calling XXXX bank again to have to speak with XXXX separate departments outsourced to other countries and still not have the problem dealt with. I do have record of my monthly payments to the XXXX XXXX builder card. I am planning to cancel my account entirely which includes checking and savings account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I opened a XXXX XXXX XXXX card to help establish a good payment history. The advertisement claimed to raise your credit score after using for several months. I was required to deposit around XXXX to the account/card and pay bills with the card only spending this amount. I had issues right away after depositing the required amount and the card not being honored or accepted at several companies... including my power company. I incurred late fees after using the specified routing number and the card getting rejected. I have screen shot images of the card being declined and this does not look good for my payment history with utility companies and my credit card company. As I was getting ready to post a payment to the chime builder card mid XXXX saw that the card was not in my accounts on the XXXX mobile app. I did some investigating and saw there was a delinquent account posting on my credit report for XXXX. I was very upset because I do not have any past due or delinquent reporting on my credit report. The negative hit caused a XXXX point decrease in my credit score. I called XXXX several times and I was informed the situation would be rectified and I would see the adjustment on my report. It is important that I share I am a survivor of Hurricane Helene. I was with out power, water, internet starting XXXX XXXX 2024. This lasted for nearly XXXX month. I am very stressed with the devastation in my area and I need my XXXX XXXX to be at a level to purchase a new home after the storm. On XX/XX/XXXX XXXX posted the account delinquent again after all the phone calls and promises of fixing the problem. I have only XXXX credit card with XXXX XXXX that I am making payments on. The account is in good standing. I have no intention of calling XXXX XXXX  again to have to speak with XXXX separate departments outsourced to other countries and still not have the problem dealt with. I do have record of my monthly payments to the XXXX XXXX builder card. I am planning to cancel my account entirely which includes checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AR

Complaint narrative:
Subject : Complaint against XXXX XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX XXXX XXXX XXXX their handling of my debt validation request and potential violations of consumer protection laws. 

On XX/XX/year>, I sent a debt validation letter to XXXX XXXX XXXX XXXX XXXX XXXX alleged debt ( Account Number XXXX ) and requesting detailed validation as required by law. On XX/XX/year>, I received a response from XXXX XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX XXXX XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Misleading Information About Legal Obligations : While XXXX XXXX XXXX claims that the Fair Debt Collection Practices Act ( FDCPA ) does not apply to them as the original creditor, they still have obligations under other consumer protection laws, including the FCRA. Their response may be misleading consumers about their rights and the company 's responsibilities. 

Potential Inaccurate Reporting : The company 's response indicates a {$0.00} outstanding balance as of XX/XX/year>. However, this conflicts with the ongoing dispute and the reporting to credit bureaus that prompted my initial inquiry. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to 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 2024-11-21 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: NC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: WY

Complaint narrative:
Pursuant to 15 USC 1692c ( c ) collector was informed of consumers absolute refusal to pay an alleged debt. Company was informed that the law states If a consumer notifies a debt collector of their refusal to pay an alleged debt, the collector must CEASE all communication. They are to CEASE AND DESIST all communication in attempts to collect alleged debt. 

Communication to credit reporting agencies is considered COMMUNICATION IN AN ATTEMPT TO DAMAGE CONSUMERS CREDIT IN ORDER TO COLLECT alleged debt and will not be tolerated. Date on adverse account continues to report as of XX/XX/2024. 

Consumer requests REMOVAL of account from their credit report ( s )

Company response to consumer: Closed with explanation