vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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 to be updated. They are not in compliance with the following law. 15 USC
1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION 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 2024-10-15 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 account with XXXX EXPERIAN XXXX 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN 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 2024-10-15 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: KY

Complaint narrative:
I requested the contract containing my signature, that shows any disclosure being shared with me as to any actions that were to take place at all stages of the agreement and thereafter. I also requested for the information that was not disclosed to me and agreed by me to be removed from my consumer report. I requested that all information containing credit transactions with regard to any particular creditor or debt collector be removed as it is not to be shared accept were allowed within certain circumstances according to US Codes. I requested were disregarded, and all information remains in my report, even though I have disputed this information for the last two years and it has always came back as being verified and allowed. I have shared with them the US Codes pertaining to my complaint and they were also disregarded as if these companies know that nothing will happen to them even if they commit fraud and identity theft to make money by way of a consumer credit transactions using my social security number, which is a credit card according to 15 US Code 1602 ( l ). I stated to them that they were intentionally overlooking these complaints because if they were corrected as required by law, that this would affect their ability to make money from an account that must be removed. This knowingly and willful fraudulent activity should not be allowed. This is why the Fair Credit Reporting Act was created. And it is amazing that because they are a big corporation, they are allowed to get away with fraudulent activities, but if an individual commits fraud, even by accident, they are held accountable and put in jail. This causes the people to lose faith in the banking system and will at some point be the downfall of the banking system if it is not corrected.

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 2024-10-15 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no knowledge of this account/inquiry it just randomly appeared on my credit report. This hard inquiry/account is a result of identity theft, There are no accounts on my report attached to this inquiry/account from XXXX XXXX XXXX on date of XX/XX/year> and XX/XX/year>. These hard inquiries/accounts must be removed in 4 days in accordance to 15 U.S. Code 1681 c-2- Block of information resulting in identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NE

Complaint narrative:
On XX/XX/year>, I ended my lease with apartment complex XXXX XXXX in XXXX, Nebraska, and moved out. On XX/XX/XXXX, I contacted the apartment complex manager to request the final bill. The manager informed me that they would send the bill once all invoices had been processed. 

On XX/XX/year>, I unexpectedly received a letter from Resident Advocate, a collection agency based in Florida, demanding payment for a debt allegedly owed to the apartment complex. This occurred before I had received any final bill or statement from the apartment complex. 

On XX/XX/year>, I finally received the final bill from the apartment complex. 

I believe this situation violates the Fair Debt Collection Practices Act ( FDCPA ) and Nebraska state laws for the following reasons : 1. The debt was sent to collections before I was provided with a final bill, despite the apartment complex telling me they were still processing invoices.

2. I was not given proper notice or opportunity to dispute the debt before it was sent to collections.

3. The rapid escalation to a collection agency ( within approximately two weeks of move-out ) seems to violate fair debt collection practices.

4. The apartment complex misrepresented the status of the debt by sending it to collections before finalizing the amount owed.

5. I am unsure if the Florida-based collection agency is licensed to operate in Nebraska.

These actions have caused me undue stress and potential harm to my credit rating. I would like the following resolutions : 1. The apartment complex to immediately recall the debt from the collection agency.

2. Both the apartment complex and the collection agency to provide written confirmation that this debt has been removed from collections.

3. Assurance that no negative information related to this incident has been reported to credit bureaus, and if it has, for it to be immediately removed.

4. Both entities to provide written assurance of compliance with all relevant debt collection laws in the future.

5. Compensation for any violations of the FDCPA or state laws, if applicable. 

Contact information for companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Resident Advocate XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Website : XXXXXXXX XXXXXXXX I have attempted to resolve this issue directly with the apartment complex and the collection agency but have not received a satisfactory response. I have documentation of all communications and am willing to provide copies of the collection letter and final bill if requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2024-10-15 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: GA

Complaint narrative:
I notice some unauthorized inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I notice some unauthorized inquiries on 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I mailed payments to Macys and Bloomingdales. The payments were both made to Bloomingdales. I called daily to have this corrected. Then the payment was made on Macys correctly in XX/XX/XXXX or before. The Bloomingdales account showed I owed {$3700.00} which was wrong and that amount was not corrected until XX/XX/XXXX. But Bloomingdales reported to all 3 credit bureaus I was over my limit and dropped my credit score from XXXX to XXXX points. I need Bloomingdales to fix this. I was given the run around when I called customer service and was told the department that could correct this was closed due to hurricane Milton. This is unacceptable. I need this fixed as soon as possible because its their fault and Ive been dealing with this for over 30 days.

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 2024-10-15 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: GA

Complaint narrative:
I've Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I had {$2000.00} XXXX to my Citizen bank checking account Saturday XXXX  I received it about 3 minutes later I then XXXX it to my XXXX XXXX XXXXXXXX account right after and I noticed it was deducted from my citizen account immediately but was told by citizen that it takes 3 days for the payment to be received at XXXX XXXXXXXX XXXX I asked why and they gave me some made up story that didnt make sense especially when I told them to verify that it was received right away and deducted right away but when it comes to crediting my account that it was sent to that takes 3 days i think there is some kind of fraud to use peoples money for a few days interest free please respond and help me to get to the bottom of this if there is a bottom

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered four unauthorized hard inquiries on my XXXX credit report XXXX Capital One Bank USA, which led me to believe I was a victim of identity theft. None of those hard inquiries had resulted in opening any new accounts luckily. I promptly filed a dispute with XXXX to have these inquiries removed from my report. Unfortunately, XXXX mistakenly flagged XXXX of my legitimate Capital One credit card accounts ( XXXX ending in XXXX and XXXX ending in XXXX ) as fraudulent accounts and subsequently reported them as such. As a result of this error, Capital One closed both of my credit card accounts, which I have held in good standing since XXXX & XXXX respectively.I immediately contacted both Capital One and XXXX both via phone and in writing to resolve this issue, as it was a clear mistake and has negatively impacted my financial standing and credit score. Despite my efforts to explain the situation to both companies and provide them with documentation proving that these accounts are legitimate, neither XXXX nor Capital One has resolved the issue. XXXX continues to list the accounts as fraudulent, and Capital One refuses to reinstate my accounts, citing the credit report from XXXX. This error has caused me significant inconvenience, financial strain, and potential harm to my creditworthiness. The decision to close those two accounts by Capital One effectively removed {$42000.00} of my total revolving available credit limit ( Almost 40 % of of my total available limit ), which had very negative consequences on my credit score and history. I am seeking assistance in correcting this mistake, reinstating my Capital One accounts, and ensuring my credit report accurately reflects the legitimacy of these accounts. I've attached the 2 letters that I sent in writing to both Capital One and XXXX below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX has verified the validity of an account that they have failed to report accurately. I am not legally responsible for an account that they stole money from and credited another consumers account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-15 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-15 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: AL

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite my previous attempts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and causing significant hardship in my daily life. The negative impact on my financial standing has been overwhelming, and I am left with no option but to ask for your urgent assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account and take immediate steps to update and correct my credit report. It is critical that this issue is resolved without further delay so that the accuracy of my credit report can be restored, enabling me to regain control over my financial well-being. 

I sincerely urge you to prioritize this matter and take swift action. Your prompt attention and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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