vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with 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 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 those account 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. 


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

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 2024-08-01 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: 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 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 2024-08-01 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On the evening of XX/XX/XXXX at approximately XXXX, I checked my XXXX Chase United credit card balance prior to making a payment. My account page showed the balance as {$5400.00}. I wrote it down at the time and still have a written record. I then made a payment of {$3700.00} sometime between XXXX and XXXX which would have brought my balance down to {$1700.00}. Imagine my astonishment when I checked my balance at approximately XXXX on XX/XX/XXXX and saw that my balance was {$2200.00}, a discrepancy of {$480.00}... incredibly in Chase 's favor! I know what I saw on the evening of the XXXX. Not only am I literate, but I have a college degree and I was fully awake and sober at the time. I WROTE IT DOWN. 


I have been in touch with customer service at Chase 3 times since then and none of them could tell me the exact time I made the payment and what my balance was at that time. They have given me no recourse and my balance is what they say it is at any given time. The customer is entirely at their mercy. They can literally make up any number they like. 

I strongly suspect that XXXX or Chase is padding customer balances because of what happened to me and there is no digital or paper trail that customers can access to prove otherwise. This might be the tip of an iceberg.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Ive held a Chase Sapphire account plus several others for over 10 years and been in good standing. Recently I had utilized my card for a large purchase and carry the balance while making payments. On XX/XX/XXXX after making a {$4600.00} payment in full I received a decision letter and notification in the mail on XX/XX/XXXX lowering my balance from $ XXXX {$500.00} Punitively. There was no credit poll on my account and the review says that it is based on the following reasons credit usage is high, history of low payments relative to balance, credit account balances have increased and time since recent account open is short. 

All of these reasons as they relate to this card are invalid. The credit usage is XXXX as I paid off the full amount. The history of low payments relative to balances the minimum or slightly over were made each month on time, credit card balances have not increased but in fact decreased to XXXX and the time since a recent account open is 10+ years on this account. 


Well it additionally states that they used XXXX to make this credit based decision theres really no additional information provided there. I do however have XXXX triple credit monitoring and Im diligent about monitoring my credit. 

As this drastic change in available credit will affect my score nearly the same as closing this account I have opted to close this account. The only option Chase provided was that I undergo an additional review, an additional credit pool which would have impact on the credit report itself and took into account no loyalty length of The relationship or the other accounts that I have. 


In addition to this complaint and filing Ill note that I very much expect that Chase will punitively lowered the balances of my other cards either a. When I pay them off or down past a certain amount or be. They will be lowered and made nearly useless because I closed my Chase Sapphire account. 

There were no efforts made to keep me from attriting. 

It seems that being a good steward of your credit and paying down your balances can be met with negative repercussions at the sole discretion of the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 those account 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was having difficulties paying off my loan due to being laid off in my previous role. I then contacted XXXX XXXX and set up my account for an extended payment, which reduced the monthly amount due. However, the auto-pay method that was implemented before was removed, and I was not completely aware of it. I then attempted to make an emergency payment, which was unfortunately reversed due to inadequate funds. I was informed that I needed to make a payment before XX/XX/2024, for my account to reflect paid/good standing. 

I was then informed that there was a cutoff of 4 months for inactivity that would report the account as 'Charged Off '. The indicated cutoff was XX/XX/XXXX, which contradicts the previous indication of the monthly payment received by XX/XX/XXXX. I paid the monthly balance, and the payment was cleared on XX/XX/XXXX. I have a record of the bank statements attempting payment each month that indicated there was inactivity and a partial payment before the Monthly payment cleared on XX/XX/XXXX, which also contradicts the 'inactivity ' over four months that pushed the account to be charged off. 

I am requesting that XXXX XXXX change/report to the credit bureaus that my account is in good standing since I am still making direct payments to XXXX XXXX XXXX The account was never sold to a collector. In my dispute attempts with the bureaus directly, it was not updated either. Please assist, as this is hindering my credit score and limiting my ability to obtain a new home/rental, and I have just had a XXXX. Please advise, and thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was having difficulties paying off my loan due to being laid off in my previous role. I then contacted XXXX XXXX and set up my account for an extended payment, which reduced the monthly amount due. However, the auto-pay method that was implemented before was removed, and I was not completely aware of it. I then attempted to make an emergency payment, which was unfortunately reversed due to inadequate funds. I was informed that I needed to make a payment before XX/XX/year>, for my account to reflect paid/good standing. 

I was then informed that there was a cutoff of 4 months for inactivity that would report the account as 'Charged Off '. The indicated cutoff was XX/XX/XXXX, which contradicts the previous indication of the monthly payment received by XX/XX/XXXX. I paid the monthly balance, and the payment was cleared on XX/XX/XXXX. I have a record of the bank statements attempting payment each month that indicated there was inactivity and a partial payment before the Monthly payment cleared on XX/XX/XXXX, which also contradicts the 'inactivity ' over four months that pushed the account to be charged off. 

I am requesting that XXXX XXXX change/report to the credit bureaus that my account is in good standing since I am still making direct payments to XXXX XXXX XXXX The account was never sold to a collector. In my dispute attempts with the bureaus directly, it was not updated either. Please assist, as this is hindering my credit score and limiting my ability to obtain a new home/rental, and I have just had a XXXX  Please advise, and thank you for your time!

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 2024-08-01 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely 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 2024-08-01 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: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely 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 2024-08-01 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-01 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX : XXXX, Consumer XXXX XXXX XXXX : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant ta FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The following accounts that appear on my credit report : I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name and Account Number : XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXXXXXX XXXX has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my XXXX XXXX XXXX XXXX XXXX has violated my XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX has XXXX XXXX rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights The above listed accounts 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX, I took out a 10 year home equity loan for {$80000.00} from Wells Fargo. The final payment was meant to be due in XX/XX/XXXX, and they say I still owe {$66000.00}. I have never missed a payment on this loan, and I always pay on time. My account has been consistently charged " fees and other charges '', but does not have any information on what these fees are. I do not have access to statements older than XXXX, and when I request these statements online, in person, and by telephone, I never receive them. I have asked Wells Fargo on multiple occasions over the past 6 months to send me detailed copies of my monthly statements so I can further understand what I am being charged for. I have contacted several higher up employees, including XXXX XXXX from the Home Equity Executive Office at Wells Fargo. I have gone to my local Wells Fargo to speak to the manager, and he said I need to call them. When I call them, I can only leave voicemails and nobody calls me back. The only response I have gotten from my requests for the detailed copies of my monthly statements, was 10 years worth of my home insurance policies -- which has no information regarding what I need to know. I don't know who else to contact and I feel as though I am being taken advantage of by this corporation.

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 2024-08-01 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
The company CCB/OverstkXXXX closed this account and made it a charge off account. Then they started back charging me and continue to report on my account making my credit go down. They are reporting it as past due/negative marks. This is incorrect as this account was closed. I have disputed with the company along with all 3 credit bureaus, but they continue to say it is accurate and it is not.

Company response to consumer: Closed with explanation