vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-07-29 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: TX

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: GA

Complaint narrative:
The XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: GA

Complaint narrative:
The XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was shown a promotional bonus offer of XXXX dollars in the citi XXXX. I clicked the link and applied for the account. I was approved and deposited the XXXX dollars as required. The promo bonus has not been paid past the advertised time. I have called citi and spoken to their support several times each one giving different reasons why it hasn't been paid. The last response was that I cant provide a promo code, that isnt supplied when applying. I have been yelled at and lied to by their support and just want to receive the bonus as I followed all of the requirements. I feel as it they are not wanting to do what was promised.

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 monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 non-monetary relief
Consumer complaint received 2024-07-29 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: NV

Complaint narrative:
unfortunately, l am a victim of XXXX XXXX XXXXXXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed atter I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: NC

Complaint narrative:
Capital One credit card company sent me and CFPB a document that's false. I have never sent a cease and desist letter, It was no need I paid my charge card off in XX/XX/2018 in full never late. The phone number that was on document no one is answering I call XXXX times, no one is returning my call. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
The bankruptcy in question was voluntarily dismissed by the court, as evidenced by the attached court order. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a credit report is accurate and complete. Reporting a dismissed bankruptcy does not accurately reflect my current credit status and is effectively equivalent to no bankruptcy at all. 

I have contacted Experian multiple times, providing them with the court order dismissing the bankruptcy. However, Experian has refused to remove the dismissed bankruptcy, insisting that it will remain on my report as " dismissed. '' This continued reporting is unjustly damaging my credit score and financial opportunities, misrepresenting my creditworthiness, and leading to higher interest rates and denied credit applications. 

Attachments : 1- Copy of the court order dismissing the bankruptcy.

2- Copies of correspondence with Experian regarding this dispute.

Requested Resolution : I am seeking the CFPB 's assistance in ensuring that Experian complies with the FCRA by removing the inaccurately reported dismissed bankruptcy from my credit report. I request that the CFPB investigate this matter and take appropriate action to ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of any actions taken.

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 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: CT

Complaint narrative:
I dont know the debt as I didnt sign up with XXXX XXXX  or monteray financial! They are threatening to negatively impact my credit report. In which Ive been trying to raise my score. I would not sign up for a XXXX  anything as on a fixed income with SSD and any travel I do is rare or a special occasion as XXXX since birth. 
My father has same name and knew all my information as I knew his but he past away and had XXXX at the end. Find hard to believe he would have done this but I know I did not! 
Also, any student debt is to be erased because of my XXXX and advised by XXXX  to wait until youngest XXXX  in XXXX. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I filed bankruptcy in XXXX of 2023. I updated the company on this change and adjusted the amount however, when I received my next bill the previous amount on the statement was owed. Ive provided documentation to XXXX 3 times now that shows the amount due was not correct and they refuse to remove it from my account. 

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an unsolicited debit/VISA card from Chime.com ; Chime XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

XX/XX/year> - I received an unsolicited text from Chime XXXX stating " Your Chime account is ready! Just download the app to access it : XXXX XXXX XXXX '' My XXXX  received an email addressed to me stating that I have a Chime account. 

XX/XX/year> - My XXXX  called XXXX to report that a fraudulent account was set up. It was under my name, my phone number, but my XXXX  's email. They stated that they would shut down the account. 

XX/XX/year> - I received a Chime debit card/VISA in the mail with my name on it. 

XX/XX/year> - I tried to report the fraudulent card to Chime by calling the fraud number, which again, was XXXX. The only option was to have them call me back on my phone number, to verify the account, or provide the last 4 digits of my SS # and the last 4 digits of the card number. I tried both ; having them call me back 2x and it disconnected me 2x. Then I selected the other option, input my info and it disconnected me again. They knew my name, SS # last 4 digits, phone number, etc. and that I had an account connected to the phone number.

There were only 2 options ; 1 to receive a call back, and 2 to input my info.

This is fraudulent and the company provides no assistance and is 1 ) not responding to fraud OR 2 ) is sending out fraudulent, unsolicited credit cards. They have too much information on me and I NEVER apply for credit/debit cards and have a hold on my credit for this exact reason. 

Nationwide Multistate Licensing System ( NMLS ) Identification : Chime Capital, LLC XXXX ID XXXX In CA : Chime Capital, XXXX holds a Debt Collection License, License Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalry Portfolio Servic {$2100.00} Cavalry Portfolio Servic {$6900.00} I put in a dispute through XXXX XXXX. it was stated that that the dispute would take 30 days. I followed the progression of the process on the XXXX XXXX  site. After 60 days of being " In Process '', the dispute disappeared. 

I called XXXX XXXX, and they said it was denied by XXXX XXXX XXXX which purchased the debt from XXXX XXXX XXXX 

I have not made a payment to either company since XXXX of 2018. 

According to Statue of Limitations is 3 years, for open ended accounts in Connecticut, where this credit was originally approved by XXXX XXXX, is located. 
Also, in New York State where I lived and still reside, the Statue of Limitations is 3 years, for open ended accounts. 

Therefore, this debt should be removed from any and all credit reports in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was told pmi would fall off after 20 % received a letter saying that the window is approached and to call. Then I did they sent another letter saying that pmi has to stay on for the life of the loan. Multiple problems with Wells Fargo have occurred besides this.

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 2024-07-29 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: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-07-29 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 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 XXXX 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 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX. The account is for XXXX XXXX XXXX. I turned XXXX in XXXX well after this account was opened. I am not responsible for this Debt. all they can prove is that my address is the same. I was never at that address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
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.

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 seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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 recently pulled my credit report and found some unauthorized inquiries that were reporting. I have listed all of the inquiries that I would like removed. I am in the process of getting my first home and car for my family. Please review all of my documents and remove the inquiries that are listed.

Company response to consumer: Closed with non-monetary relief