vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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 to be removed/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. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-16 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: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong 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 non-monetary relief
Consumer complaint received 2024-08-16 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: NY

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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 to be removed/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.

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!

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 2024-08-16 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: FL

Complaint narrative:
I was shocked this morning to find inaccurate accounts listed on my credit report, and I have no explanation for why theyre there. I routinely check my credit report, but this time I was blindsided by these discrepancies. I even tried refreshing my browser, hoping it was just a mistake, but the inaccuracies persisted. This has caused me significant stress, and I am requesting that the documents Ive provided be meticulously reviewed so that I can finally have peace of mind.

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 2024-08-16 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:
This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no clue how they got there. When I checked my credit report as usual, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. I'm really concerned about this, and I urge that the documents I've sent be thoroughly reviewed so I can finally stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I was genuinely shocked this morning to find inaccurate accounts on my credit report, and I have no idea why this has happened. I checked my credit report like I usually do, but this time there were discrepancies that just didnt make sense. I even refreshed my browser, hoping it was some kind of error, but the inaccuracies were still there. This situation has me really stressed, and Im asking that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this issue.

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 2024-08-17 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: GA

Complaint narrative:
Unauthorized Credit Activity As a survivor of XXXX, my personal information was misused without my awareness or permission to secure credit. Consequently, there are fraudulent accounts and charges listed under my name, none of which I approved or benefited from. I am requesting your help to investigate these fraudulent activities and to take the appropriate steps to clear these unauthorized accounts from my credit history. Your assistance is essential as I strive to rebuild my life and regain financial stability.

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 2024-08-17 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:
I am writing to formally request your intervention regarding a matter with XXXX, XXXX and TransUnion that has not been resolved despite my repeated efforts. I have sent letters to XXXX on XX/XX/year>, and again on XX/XX/year>, requesting that they address issues related to my stolen identity and verify the accuracy of the information on my credit report. To date, I have not received any response from XXXX by mail as I requested. 

In my correspondence with XXXX, XXXX and TransUnion I notified them of the identity theft, and I provided them with instructions to verify any and all accounts listed on my credit report with my original signed documents and physical verification as required by the Fair Credit Reporting Act ( FCRA ), specifically Section 609. Despite my clear demand, XXXX has failed to comply with my request and has not provided the necessary verifiable proof or documentation. 

The lack of response and verification from XXXX, XXXX and TransUnion is a violation of the FCRA and constitutes a failure to address fraudulent accounts and unauthorized addresses associated with my credit profile. I am now left with no choice but to consider their inaction as fraudulent behavior and potentially a breach of my rights under the FCRA. 

Accordingly, I request that the CFPB assist in taking the following actions : Ensure that XXXX, XXXX and TransUnion deletes all fraudulent accounts and addresses that do not belong to me from my credit report. 
Obtain an update letter from XXXX confirming the actions taken and the current status of my credit report. 
Furthermore, I intend to pursue litigation to enforce my rights and seek relief under Sections 616 and 617 of the FCRA, which allow for the recovery of monetary damages due to XXXX non-compliance and any resultant harm. 

I would appreciate your prompt assistance in this matter and request an acknowledgment of receipt of this letter. Thank you for your attention to this urgent issue.

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 2024-08-17 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: CA

Complaint narrative:
I am writing to formally request your intervention regarding a matter with XXXX, Equifax and XXXX that has not been resolved despite my repeated efforts. I have sent letters to XXXX on XX/XX/year>, and again on XX/XX/year>, requesting that they address issues related to my stolen identity and verify the accuracy of the information on my credit report. To date, I have not received any response from XXXX by mail as I requested. 

In my correspondence with XXXX, Equifax and XXXX I notified them of the identity theft, and I provided them with instructions to verify any and all accounts listed on my credit report with my original signed documents and physical verification as required by the Fair Credit Reporting Act ( FCRA ), specifically Section 609. Despite my clear demand, XXXX has failed to comply with my request and has not provided the necessary verifiable proof or documentation. 

The lack of response and verification from XXXX, Equifax and XXXX is a violation of the FCRA and constitutes a failure to address fraudulent accounts and unauthorized addresses associated with my credit profile. I am now left with no choice but to consider their inaction as fraudulent behavior and potentially a breach of my rights under the FCRA. 

Accordingly, I request that the CFPB assist in taking the following actions : Ensure that XXXX, Equifax and XXXX deletes all fraudulent accounts and addresses that do not belong to me from my credit report. 
Obtain an update letter from XXXX confirming the actions taken and the current status of my credit report. 
Furthermore, I intend to pursue litigation to enforce my rights and seek relief under Sections 616 and 617 of the FCRA, which allow for the recovery of monetary damages due to XXXX non-compliance and any resultant harm. 

I would appreciate your prompt assistance in this matter and request an acknowledgment of receipt of this letter. Thank you for your attention to this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
This complaint is regarding the below following accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of 15 U.S.C. 1681n Dear CFPB, I am filing a formal complaint regarding multiple inaccurate accounts on my credit report that have not been corrected despite repeated disputes over the past month. 

The accounts in question are : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts continue to report incorrect information on my credit report. Additionally, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have been reporting as charge-offs every month, which unlawfully extends the statute of limitations. 

When I initially disputed these inaccuracies following the initial investigation as well as the procedural investigation, XXXX removed all the negative items. However, Experian and XXXX remain non-compliant, violating my rights under the Fair Credit Reporting Act ( FCRA ). Their actions constitute willful non-compliance under 15 U.S.C. 1681n, subjecting them to civil liability for damages, punitive damages, attorneys fees and {$1000.00} per violation.

in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. If an agency fails to ensure the accuracy of the information, it can be held liable for damages under the FCRA. if XXXX deemed the information incorrect and has deleted it off of my report, then experian and XXXX need to follow suite . 

Both XXXX and experian are both willfully violating my rights. 

I demand the immediate removal of these accounts to prevent further legal action. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
Hello my name is XXXX XXXX my chime was. Comprise. Someone has use my card. And chime not trying to pay me my money I didnt authorize that transaction. On XX/XX/XXXX I went to the movies my charge was {$25.00}. That was my XXXX XXXX to last charge. I believe someone at the movies use my card. But I report it 2 days later. They have no proof I own that account. I dont live at that address and nor thats not my name. So why was they able to use my card? Thats so unfair to me my claim gets denied and someone use my card. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My son and I bought a computer from best buy. We opend a credit card account with them to get this computer. There was a promotion going on and we was able to get this computer. 

My son started paying monthly on this computer. Even though the minimal payment was about XXXX dollars he was paying XXXX a month well over the amout needed to pay the computer off earlier. 

By the time we found out the promotion was over I had a talk with a representative and they explained how much I had left to pay the computer. They said if we paid XXXX on the bill then the bill for the computer would be done. 

My son paid XXXX before the promotion was even over. Then after he continued to pay past the amout of the interest fee and they continued to gouge him. 

I feel like they are double charging for this computer. And we should get our money back for the over payment.

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 2024-08-17 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: FL

Complaint narrative:
This complaint is regarding the below following accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of 15 U.S.C. 1681n Dear CFPB, I am filing a formal complaint regarding multiple inaccurate accounts on my credit report that have not been corrected despite repeated disputes over the past month. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts continue to report incorrect information on my credit report. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have been reporting as charge-offs every month, which unlawfully extends the statute of limitations. 

When I initially disputed these inaccuracies following the initial investigation as well as the procedural investigation, XXXX removed all the negative items. However, XXXX and TransUnion remain non-compliant, violating my rights under the Fair Credit Reporting Act ( FCRA ). Their actions constitute willful non-compliance under 15 U.S.C. 1681n, subjecting them to civil liability for damages, punitive damages, attorneys fees and {$1000.00} per violation.

in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. If an agency fails to ensure the accuracy of the information, it can be held liable for damages under the FCRA. if XXXX deemed the information incorrect and has deleted it off of my report, then XXXX  and transunion need to follow suite .

Both Transunion and XXXX  are both willfully violating my rights.

I demand the immediate removal of these accounts to prevent further legal action.

Thank you for your prompt 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 2024-08-17 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

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 Bankruptcy 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-17 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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