vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
My account with XXXX 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 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 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 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 2024-07-03 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-03 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-03 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Have called Chase Bank to report untrue charges on statement. They still want the {$1600.00} money I do not owe them. I originally wanted a Chase credit card but changed my mind and cut up their card when sent to me. I never used it to charge anything. They now say I owe payments due. I sent them {$100.00} out of fear but they neither returned my {$10000.00} or gave me credit on their statement. I have called Chase many times to explain without success. Every time they REVIEW my problem, they still say I owe the money to them. I don't owe Chase because I did not use their card, I cut it up the day I received it and did not charge anything on it. Everything I buy is paid for by my own bank, out of my checking or VISA account there. Chase is now saying I'm past due on payments when I don't owe them anything. Hope I can get this resolved. I always pay my bills. 
Thank you, XXXX XXXX XX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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:
I am a victim of Identity Theft. Information about the Transactions and the Relationships between each Lender and myself the consumer has been shared with 3rd parties ( Credit Bureaus ) without my consent. 15U.S.C. 1881a ( 2 ) ( A ) ( i ) ( B ) My right to OPT OUT of sharing personal information was Never conspicuously explained to me in the INITIAL Contract agreement. As per 15U.S.C.1681a4 Violation of 15U.S.C. 1581C ; PERMISSIBLE PURPOSE has occurred with each company I have and am currently dealing with. I have resended my consent and have OPTED OUT of 3rd party sharing, as is my RIGHT TO PRIVACY. 
Violation of 15U.S.C.6802 OBLIGATIONS concerning Disclosure of Personal Information is occurring as well as TX Law 4848 Stat 112 CIVIL NONCOMPLIANCE. 
I have sent letters to each company and the Credit Bureaus and some of the companies with little to no results. I have included an affidavit from IdentityTheft.gov with each company and a Police report file number.

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 2024-07-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My consumer report contains accounts linked to identity theft, which I never authorized with a written signature. Following my recent communication, I formally request immediate blocking and removal of these accounts from my report. Their presence has caused significant distress and misrepresents my credit history. If not addressed properly, I'm prepared for legal action. These fraudulent entries have impeded important financial goals, including home purchase and family needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is reporting I had a {$5000.00} credit limit card. Which I do not recognize at all for ever having. Can I get this removed off of my credit report completely. This is incorrect information affecting my credit score. Theres a balance of {$6700.00} which I do not own this at all. Capital one platinum credit card is the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have not been able to reach anyone at this company and I have never had any type of account with them, IC System XXXX XXXX XXXX XXXX XXXX Credit Card I ahve never done business with any of these companies Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The negative rating on my account is causing serious concern due to its credit impact. It has already led to a loan rejection and higher interest rates on my existing credit accounts. This situation is creating severe financial and emotional strain, which will continue until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-07-03 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I called bridgecrest ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing significant distress. As an identity theft victim, I've reported this incident. This situation needs urgent addressing due to its negative impact on my finances and reputation. I request your help in swiftly removing all fraudulent information from my credit report and thoroughly investigating this matter. I'm prepared to provide necessary evidence and, if needed, take legal steps to defend my rights and seek compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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

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 2024-07-03 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered that RADIUS GLOBAL SOLUTIONS accessed it without my permission on XX/XX/2022. They have not met the requirements under the FCRA to gain access.

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 2024-07-03 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: TX

Complaint narrative:
Inadequate Response to Fraudulent Charges by Chase Bank Description : I am filing a complaint against Chase Bank regarding their inadequate response to my disputes about unauthorized charges by XXXX XXXX XXXX. 

Details : Unauthorized Charges : XXXX XXXX XXXX charged my card {$2700.00} without my consent or signature. The charges included {$1000.00}, {$1500.00}, and {$200.00}. At no point did I authorize these charges. 
Forgery : The merchant provided a document with a forged signature, claiming a charge of {$1000.00} for damages I did not cause. This document is fraudulent, and the charges are baseless. 
Chase Bank 's Inadequate Response : Initially, I filed a dispute for these charges. Chase closed the dispute without a proper resolution. 
I reopened the dispute, and Chase only refunded {$200.00} out of the {$2700.00} charged. This partial refund is illogical and inconsistent. If the document for {$1000.00} provided by the merchant is considered legitimate by Chase, why were the additional charges ( {$1000.00} and {$1500.00} ) not refunded? 
Key Points : The charges by XXXX XXXX XXXX were made without my authorization. 
The only evidence provided by the merchant is a fraudulent document for {$1000.00}. 
Chase 's partial refund of {$200.00} is inadequate. If the merchant 's document is legitimate, why were the additional {$1600.00} not refunded? The total amount charged is {$2700.00}, and only {$200.00} was refunded. 
Resolution Sought : I request a full refund of the remaining {$2500.00} that was charged fraudulently. 
I seek an investigation into the practices of Priceless Car Rental and their fraudulent activities. 
I expect Chase Bank to review their dispute resolution process and provide a coherent and fair outcome. 
Attachments : Copies of emails and documents showing the unauthorized charges and forged signature. 
Correspondence with Chase Bank regarding the disputes and partial refund. 
I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NC

Complaint narrative:
I pulled a copy of my credit report and noticed a fraudulent account. 

XXXX XXXX XXXX | XX/XX/2022 : Identity theft happened. Remove account. The FTC said I had the right to dispute this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. 

PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT. THESE ARE NOT MINE. I FILED A POLICE REPORT YEARS AGO REPORTING 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 2024-07-03 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: NC

Complaint narrative:
I pulled a copy of my credit report and noticed a fraudulent account. 

XXXX XXXX XXXX | XX/XX/year> : Identity theft happened. Remove account. The FTC said I had the right to dispute this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. 

PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT. THESE ARE NOT MINE. I FILED A POLICE REPORT YEARS AGO REPORTING 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 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, a wire of XXXX was sent in error to a XXXX XXXX  account instead of going to a Wells Fargo account. A claim was opened on XX/XX/XXXX case number XXXX. It was initially stated that the claim would take XXXX business days. During the time calls were made to follow up and all times I was told the case was still being investigated and attempts were being made to XXXX XXXX to have the funds recalled. 
The case closed XX/XX/XXXX and on XX/XX/XXXX a final call was made and I was told the case was closed and all attempts to have the funds recalled were unsuccessful and I should reach out to the beneficiary to try and have them return the funds. After explaining to them that I don't know who the beneficiary was and that is why I was asking for the funds to be recalled. The only other solution was given was to go into XXXX of the XXXX locations and receive a wire transfer confirmation which would state the beneficiary information and try to go to XXXX myself and have it resolved. I think this is unacceptable and would like to see what other options I have please.

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 2024-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Larry H. Miller Group of Companies
State: CO

Complaint narrative:
I called prestige financial ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TX

Complaint narrative:
I'm submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent inquiries over 30 days ago but have received no response or adequate validation. I'm seeking your help to resolve this issue quickly and effectively.

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 2024-07-03 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: TX

Complaint narrative:
I'm submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent inquiries over 30 days ago but have received no response or adequate validation. I'm seeking your help to resolve this issue quickly and effectively.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation