vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates XXXX 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 60 days 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 XXXXXXXX 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 8

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 2024-08-13 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:
hi, i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they are affecting my ability to obtain credit. 

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX Account number : XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date opened : XX/XX/XXXX 2020

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 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2024-08-13 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 8

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 2024-08-13 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
Company is playing games with me unable to assist me with login to my account unable to send me a copy of my credit report. Said I need to do it in writing but I dont have any stamps and I dont work at all. Unable to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: AL

Complaint narrative:
I contacted Equifax Credit Bureau and let them know I had XXXX inquiries within 2 days XXXX XX/XX/XXXX of XXXX and some were made with companies twice in on day.They placed a fraud alert and locked my report but would not remove the inquiries.I was advised just to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Absolute Recovery Services, LLC
State: NV

Complaint narrative:
Im unaware of these debt I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature stating I received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My account with was never late! I have had exceptional payment history witH 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 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 60 days 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.

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 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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My debit card was charged XXXX unauthorized transactions on XX/XX/year> as listed below : DATE : XX/XX/year> AMOUNT : {$280.00} LOCATION : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> AMOUNT : {$51.00} LOCATION : XXXX XXXX XXXX I contacted my bank Citibank to file a claim for these fraudulent charges. Each time, I was told by Citibank that I would have a decision within 10 days. As of today, I have not received any communication about the status of this claim. Below are the details of my calls with Citibank. 
XXXX I opened claim regarding above charges with Citibank XXXX Claim # XXXX. 
XXXX I called Citibank due to not receiving any update and was told claim had to be resubmitted. Claim resubmitted under claim # XXXX. 
XXXX Called Citibank to follow-up due to not receiving any update. Was told claim had to be resubmitted. Resubmitted claim under new claim # XXXX. 
XXXX Called Citibank to follow-up. Claim elevated to supervisor under same claim # XXXX. 

As of today, XX/XX/year>, I have not received any update or correspondence regarding this claim from Citibank.

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
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX an advertisement on Bass Pro shop website regarding a credit card offer that is not clear especially regarding the five orders which have to be made before you get {$20.00} dollars to apply to your check out order.

after getting approved and the {$20.00} showing under by profile, you are not notified of the 5 purchases except in an email you receive later. 

clearly playing games. i would never have applied for a whopping XXXX dollar credit if i new i had to make 5 purchases. 

the CFPB was created to stop XXXX like this. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NM

Complaint narrative:
Submitted my XXXX form in XX/XX/XXXX, counts updated to XXXX, on both sequences, XX/XX/XXXX. I had XXXX sequences, and XXXX, the smaller one, XXXX, was forgiven on XX/XX/XXXX. Called Mohela at that time, they were servicing the loans, and they told me to wait 90 days. Called again after 90 days, they told me they are no longer responsible for the forgiveness and to call XXXX. Called XXXX multiple times , was told that there is nothing to worry about, and loans will update to XXXX ( which they have been since XX/XX/XXXX ) and my case would be reviewed, to wait until XX/XX/XXXX and they would be forgiven ( the case for this call was XXXX, I did not get the case numbers for the other calls, as I was optimistic about the process. ) Called Mohela and they told me that I would not have to make the XX/XX/XXXX payment. Mohela now sent me a bill for XX/XX/XXXX, when calling them, they are stating that they do not have confirmation that I've made XXXX payments and that forbearance would end for me in XXXX and to call XXXX to resolve the issue. Called XXXX on XX/XX/XXXX, they confirmed that I have made the XXXX payments required for forgiveness that it would take 90 days, discussed that I've been updated to XXXX payments since XX/XX/XXXX, they voiced understanding and told me that I would need to talk to Mohela again to request forbearance ( case # XXXX, I've started recording case numbers, as every time I call, the servicers are not sure what I'm talking about, and require me to retell the entire story above. ) In short, I just don't know where to go from here, XXXX tells me to speak to Mohela, and Mohela tells me to speak to XXXX. My payments are restarting XX/XX/XXXX, and neither side is willing to help me fix this, and be placed into administrative forbearance and or follow through on my loan XXXX as promised XX/XX/XXXX, to occur within XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am composing this letter to complain about the XXXX credit bureaus that are reporting unauthorized inquiries on my credit report. 
XXXX Equifax and XXXX. I have contacted them several times and no positive results. They do not respect me and it is depressing. These inquiries have damaged my score and make it very hard for me to sleep at night. Nobody helps me when I call the customer service numbers. Please help me with these negatives reporting to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am composing this letter to complain about the XXXX credit bureaus that are reporting unauthorized inquiries on my credit report. 
XXXX XXXX and Experian. I have contacted them several times and no positive results. They do not respect me and it is depressing. These inquiries have damaged my score and make it very hard for me to sleep at night. Nobody helps me when I call the customer service numbers. Please help me with these negatives reporting to my credit profile.

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 2024-08-13 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 check my credit report and i see this accounts in my report this accoutns dont belong to me.. delete asap XXXX XXXX XXXX. 
Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
THIS NOT A DUPLICATE ISSUE AND CITIBANK IS FRUADULENTLY COLLECTING VIA FALSE REPRESENTATIONS VIOLATING Minnesota Statute 548.101 AND NOT PROIVIDING EVIDENCE AND LETTER TO XXXX XXXX TO INVALIDATE THE " UNKNOWN DEBT ''. CITIBANK MUST REFUND {$1200.00}. 


On XX/XX/XXXX the call from XXXX XXXX stated that the debt originated in XXXX by Citibank and weeks later, it changed to XXXX then Citibank confirm this debt originated in XXXX with no documentations to provide. XXXX XXXX provided false information and without any documentations evidence to collect 'unknown ' debt that is NOT mine in XXXX which is also past the statute of limitations in Minnesota XXXX XXXX XXXX with Citibank made 'False or misleading representations ( e.g., lying about who they are, the details of the debt, etc. ) '. To date, I have not received the refund and the law requires XXXX XXXX ( debt collector ) to provide information such as the name of the creditor, the amount owed, and how to dispute the debt if you dont believe it is correct. If a debt collector does not provide information during initial contact, they are required to send you a written notice providing this information within five days of initial contact. XXXX XXXX DID NOT provide any documentations AND insisted that ONLY CITIBANK can provide all these details. I contacted Citibank and they do not have any documentations either. BOTH XXXX XXXX and Citibank failed to provide evidence to their claims of this 'unknown ' debt that occurred in XXXX pass the statute of limitations and caused myself & family very much stressful weeks, anxiety and harassments. In summary - XXXX XXXX ( XXXX XXXX ) confirmed that the paid funds were channeled to Citibank XXXX, and she is in contact with Citibank who is aggressively seeking the 'unknown ' debt. AT the same time, Citibank is denying in my reports to CFPB that they have any knowledge or involvement, Resolution : Citibank sends XXXX XXXX ( XXXX XXXX ) an affidavit that states the 'unknown ' undocumented account is XXXX balance and refund the paid total sum.

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