vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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:
with 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 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 2024-06-28 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:
with 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 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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
on XX/XX/XXXX, I applied for a Citi XXXX Credit card on the Citi Official website by the application ID:XXXX. The application got denied and the reasons are not specifics or clear. 
I demand to Citi bank under the Equal Credit Opportunity Act and Fair Lending Laws, to take my application to reconsideration by a physical person and not an automatic system 2 min answer. 
Attached my XXXX credit report with the denied letter as a proof and backup of this claim. 
The reasons of the Denied application are : *Length of time accounts have been established on your credit report. 
*Your credit report shows too many recently opened accounts. 
** Your credit report shows too many recent inquiries. 

My Counter-Response to the Grounds Set Out Above : 1= My credit Score is XXXX. By the time of the credit card application was XXXX, it dropped because of the Citi bank hard inquiry. 

2=*Length of time accounts have been established on your credit report. 
R// : I'm a US citizen , who was born In USA but grown in XXXX XXXX XXXX I came to the US 3 years ago, since I came to this country, I stated building credit with different credit cards and a car loan that is paid off already. No late payments or delays in any of them. If theres a minimum of reported years established by your internal policy, please provide me with the real number to understand this decision. 

3= *Your credit report shows too many recently opened accounts. 
R// : I have few credit cards open, to build credit, they have no balance, some of them are close and I can provide with a documentation if need it, the ones that I keep open are : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX credit cards in total, No late payments or delays in any of them. If theres a minimum of opened credit cards, loans, or line of credits established by your policy, please provide me with a REAL number of a maximum of active credit products to be eligible for a Citi Credit Card. 

4=** Your credit report shows too many recent inquiries. 
R// : My last inquiry was CITI CARDS CBNA on XX/XX/year>2024 that is this claimed application, before that I have XXXX XXXX ( XXXX XXXX CARD  ) XXXX XXXX/XXXX/2024. No other hard inquiries for this Year, if theres a maximum of hard inquiries by customer within a year or in the last years, please provide me with the real number to understand when to re-apply for the card. 

5= I work as a XXXX XXXX for XXXX XXXX XXXX Ive been in this position for 2 years and a half I can provide with paystubs as need it. Currently renting {$600.00} per month. And my annual salary is around {$66.00}, excluding incentives and bonuses.

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 2024-06-28 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.

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: DE

Complaint narrative:
I've had a credit freeze initiated since beginning of last year along with my SS number locked. XXXX ( XXXX ) hard inquires are still managed to get reported to my credit. 
This matter has diluted my good faith character as well as shows fraud from TransUnion along with all other reporting agencies via TILA and FCRA.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email from CHASE stating that my account had been closed due to suspicious activities. I called the number on the back of my card, and the customer support agent informed me that this was the bank 's final decision. Although I had not engaged in any suspicious activity, I understood and accepted their safety protocol. 

The agent assured me that the remaining balance in my account would be mailed to me as a check within approximately 20 days. However, when I called again later, a different representative told me that the matter was still under investigation and that I would receive the check once the investigation was concluded. This left me confused, as I was previously told that the account closure was the final decision. Why is there still an ongoing investigation? 

The agent mentioned that the investigation would take an additional 14 days, but I have not heard back since then. I believe I have over {$2000.00} in the account, which is my daily savings for college expenses. This delay has caused significant inconvenience and financial strain on my XXXX XXXX. It is my money, and I urgently need it to manage my daily expenses. 

Also they send me a letter but I can't view it, because they've already closed my accounts and I can not login to my online account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MS

Complaint narrative:
I did not do this loan!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX XXXX WILL NOT PROVIDE ME WITH ANY TYPE OF INFORMATION OF WHERE A CAR/TRUCK WAS PURCHASED FROM AND WHAT OR WHERE THIS CAR OR TRUCK WAS REGISTERED!!! IF YOU CAN NOT PROVIDE THAT INFORMATION IT SHOULD BE REMOVED FROM MY CREDIT REPORTS ALL OF THEM. 

XXXXXXXX XXXX has been in the news for months about how they do XXXX people and I feel that is what is going on with this ; find a poor XXXX person and try and make their life harder ; XXXX people have to have XXXX plus just to be even considered

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 2024-06-28 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-28 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: IL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX called to speak to someone hung up the phone in my face XXXX never updates the credit report XXXX insist 's that the report is outdated but keep wanting money to update it XXXX all the accounts are more than five to six years old

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX2022 : XXXX XXXX XXXX - XX/XX/XXXX2022 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 2024-06-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
i have disputed CBNA INQUIRIES AND CITIBANK INQUIRIES FOR THE PASS 5 MONTH WITH XXXX KEEP THEM IT ISNT ME APPLY THEY DONT DELETE IT THEY ALWAYS FIND AN EXCUSE TO LEAVE INQUIRIES AT MY JOB CREDIT REPORT AT XXXX I DONT GOT NO INQUIRES NO OTHER BUREOUS BESIDE XXXX IM TIED CALLING SENDING PAPER OUT WASTING MY MONEY ALL THE TIME LETTING THEM KNOW THATS INCURRATE INQUIRIES NEVER WAS ME PLEASE HELP

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 2024-06-28 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: IL

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXXXXXX, was never late! I have had exceptional payment history with 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, XXXXXXXX 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 2024-06-28 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: IL

Complaint narrative:
There are unauthorized inquiries 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 2024-06-28 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: IL

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
I viewed my credit report and noticed that there are fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I found fraud transaction on my business card employee card holders : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I reported these transactions as fraud to Chase last month. I immediately reported these purchases as fraud because I got instant notifications on my phone for XX/XX/XXXX transaction on XXXX XXXX XXXX XXXX Then I discovered XXXX XXXX transactions to be fraud. I do not have notifications set for XXXX XXXX. I asked both XXXX XXXX and XXXX XXXX, both of whom have the cards in hand, and they denied these charges at the time. 
Chase called me today, XX/XX/XXXX, at XXXXXXXX XXXX from XXXX. Chase has denied my credit card fraud claim. According to Chase policy, since these transactions were paid by chip and it can not be duplicated, Chase denied my fraud claims for these transactions. 
I am 100 % certain that Chase was hacked. I will state why. 
There are XXXX cards with fraudulent transactions. XXXX XXXX has card number XXXX. XXXX XXXX has card number XXXX. XXXX XXXX 's card is only used for gas purchases and is within his possession. XXXX XXXX 's card is inside a desk drawer at home and has not been used for the entire year ; the card is collecting dust. The fraudulent transactions happening to both unrelated cards at the same time can only mean Chase has been hacked. Under the account activity of the statement, both cards have fraudulent transactions around XXXX and XX/XX/XXXX. Also, all these transactions happened with a XXXX, IL company according to the statement. We are from XXXX XXXX. I believe Chase 's database was hacked, and the numbers were used on the XXXX market. The transactions are not by chip because I have the cards in hand and both denied using the card at those places. 

XXXX XXXXXXXX XXXX XXXX Fraud Transactions, All transactions will be charged back to me XX/XX/XXXX XXXX XX/XX/XXXX {$13.00} XXXX  XXXX XXXX XXXX IL XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX  XXXX IL XX/XX/XXXX {$17.00} XXXX  XXXX XXXX XXXX IL XX/XX/XXXX {$41.00} XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Transactions, All transactions will be charged back to me XX/XX/XXXX XXXX XX/XX/XXXX {$96.00} XXXX XXXX XXXX IL XX/XX/XXXX {$27.00} XXXX  XXXX XXXX IL XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$60.00} XXXX  XXXX XXXX IL XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXXXXXX IL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My Best Buy account was compromised on XX/XX/XXXX, XXXX received an email stating that changes were made to my account and a purchase was made the and shipped XXXX XXXX XXXX XXXX XXXX Tx XXXX I have documentation from Best Buy proving this as a result several investigations from Best Buys the order and delivery tracking information was provided to me from the Best Buy, I will include them with this complaint. I did not have access because to my account, all login information and address were changed. I immediately closed the account. After two-years of letters and phone conversation Citibank and Best Buy refuse to resolve this issue. My XXXX XXXX went from excellent to fair, I refuse to pay for something that I never received, and Citibank and Best Buy have sent me proof of fraudulent activity with this issue, all will be included with this complaint. I would like this removed from my credit report immediately and {$220.00} refunded I paid. XXXX purchases were made and delivered the same address XXXX XX/XX/XXXX and XX/XX/year>, Best Buy removed XXXX and the other remained. I will include my driver license and address where I lived for the last XXXX  years.

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 monetary relief