vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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  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  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 non-monetary relief
Consumer complaint received 2025-01-22 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 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  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 2025-01-22 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: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

XXXX XXXX XXXX XXXX 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 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-01-22 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: OH

Complaint narrative:
This company is violating Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$4400.00} XXXX disputed this collection account through Experian, XXXX and XXXX on XX/XX/year> and the results were The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. they failed to provide purchase agreements/ required documentation to report on my credit. I reached out to this company and they advised me that they do not have the original purchase contract with my signature to their company. I do not give this company permission to report on my credit.

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 2025-01-22 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXXL ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: WA

Complaint narrative:
My information was breach and I'm XXXX XXXX military and I have a security clearance. 
I want reported accounts to be removed : Account Number XXXX XXXX Balance {$4500.00} Account Number XXXX XXXX Balance {$33000.00} Account Number XXXX XXXX Balance {$22000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX UPDATE Automated Consumer XXXX System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer XXXXnterview System XX/XX/XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS XXXX XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XXXX XXXX, XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX AUTO MTNC UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer XXXX System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer XXXX System

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
. My checks would hit and then all of a sudden all this money would be gone. Im like now wait a minute I havent spent anything my check just cleared. All the stuff I had pending from weeks ago would all stop pending all at once. Thats how they been getting people. Then its {$25.00} for every transaction that goes into overdraft. I use to call and go smooth off and a few days later Ill have a few hundreds back in my account. It was crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Valon Technologies, Inc.
State: VA

Complaint narrative:
My mortgage was transferred to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. Their ph # XXXX. First I received a letter about the not receiving my payments. My XXXX payment was forwarded from my previous mortgage company to them. They have record of the payment but took forever to post that payment, then thru my bank bill pay I mailed the XXXX payment. Was supposed to be there by XX/XX/XXXX. They kept telling me they didnt received my payment. I finally spoke to rep XXXX who told me to call again XX/XX/25 to allow more time for the check to get there. She also told me she will make sure they post the XXXX check as it wasnt posted yet but she can see I paid it. XX/XX/25 I looked online and XXXX payment wasnt posted. I reached out to out to my bank and put a stop payment on ck # XXXX in the amount XXXX. I then called XXXX and spoke to XXXX ID XXXX. XXXX assure me that he see in the notes that my check got lost and that if they received the check they were NOT going to posted. I even repeated the check number and amount to ensure that was capture on their recorded line. I then went online and paid XXXX payment, To my surprise 2 days later the posted the payment that I was guaranteed they were not going to posted the. Today I spoke to XXXX XXXX who told me they can never stop a a payment from posting. I want to know why XXXX who represents XXXX mortgage gave me deceiving and misleading information. Now XXXX said if they received the payment return they were not be any fees attached to the account. I dont believe anything coming from anyone in this office. I regret my loan was transferred to them. I want a XXXX to call me with an explanation as to why the XXXX violation. Was told can be up to 3 days before someone calls me. My name is XXXX XXXX Ph # XXXX Email on XXXX Mortgage file is XXXX. 
Loan number with XXXX Now XXXX stuck between is the check really going to clear? Do I still mail XXXX check? I dont have extra money to be wasting. I have bills to pay. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have applied for 0 % interest for XXXX XXXX XXXX months with Citi Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have a credit score of XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX, all in the " very good '' range. All three banks approved credit cards with a 0 % interest rate with a credit line of {$3000.00}. I canceled the cards as soon as I received them because a credit line of {$3000.00} with my credit score is laughable. Seeing how all three of these banks were doing the same thing ( and nowhere in any material did it say the credit line would be so low ), the detective in me realized that this was a scam. You also get a hit on your credit report for applying for these scams.They are offering the 0 % to get customers, but then giving such a low credit line that limits their exposure regardless of what your credit score is. The ONLY bank I have tried that kept their promise was XXXX. The others seem to be in collusion with the same advertisements and credit limits. I would like this looked into.

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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate Discover Account Information Dear TransUnion Dispute Department, I am writing to dispute specific information on my credit report, namely unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : The following hard inquiries appear on my credit report without my consent : 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 XXXXXX/XX/XXXX Per the FCRA, such inquiries require my explicit authorization. As I did not consent to these, I request their immediate removal. 

Inaccurate XXXX Account Information : The XXXX account listed below is incorrectly reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off This account has been settled, and the charge-off status is incorrect. Please update this account to reflect its accurate status or remove it if it can not be verified. 

Enclosures : Copy of my driver 's license Copy of my passport Proof of address Highlighted credit report indicating disputed items I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, 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 2025-01-22 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: NJ

Complaint narrative:
statement hitting my account from XXXX XXXX XXXX XXXX for a utilities account opened in Texas back in XXXXXXXX XXXX XXXXXXXX. I alerted Experian that I was the victim of identity theft, and have never lived in Texas and spoke with their agent XXXX. He placed a fraud alert on my account and opened up a dispute with me ( ref # XXXX ). This was resolved and taken off my report. Then this XX/XX/XXXX, I received another collection item hitting my credit from XXXX XXXX XXXX, for another utility account fraudulently opened in my name in Texas with XXXX  XXXX XXXX. I disputed the collection in the app, waited a week and they wouldn't remove it from my account. When I called in they told me it was because it was identity theft and the dispute could only be made by calling in. This was no where in the app. I had them open a dispute due to identity theft and was instructed by the agent to upload my FTC report and copy of my driver 's license. I also alerted the agent that there were XXXX incorrect addresses listed in Texas on credit report that needed to disputed as they were related to the identity theft. She let me know that XXXX of the addresses was associated with the debt collection so couldnt be disputed and they could only dispute the one at the moment. After getting off the phone I uploaded the requested documents. I also sent a letter certified mail to XXXX XXXX XXXX disputing the collection. They received the letter on XX/XX/XXXX. This XXXX  I received several emails from Experian letting me know that they did delete the fraudulent address. But they wouldnt block my collections. They said the dispute was made in error and that the documentation I uploaded ( my FTC report ) didnt prove it was sent to a law enforcement agency. Once I received that email I called CFPB on XX/XX/XXXX and was advised to file a complaint. I am attaching my FTC report and the email I received from Experian as well as the letter to the debt collector and a screenshot that they received the letter.

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 2025-01-22 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My personal information was breached through this organization of capital one and I have not been compensated for this breach. I am entitled to the lawsuit that was filed against capital one and deemed payments for all those affected. I want my compensation for the breach of contract with my personal information through this corporation of capital one.

Company response to consumer: Closed with explanation