vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: IL

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 XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-24 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
XXXXXX/XX/XXXXRecord details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXXXX/XX/XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXXXX/XX/XXXXXXXX XXXX XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Rental on behalf of XXXX XX/XX/XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXXRecord details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXhis inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXXXX/XX/XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX Inquired on XX/XX/XXXX and XXXX more XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX and XXXX more XX/XX/XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX and XXXX moreXX/XX/XXXXXXXX Inquired on XX/XX/XXXXXX/XX/XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XXXX more XXXX XXXX on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXX/XX/XXXX Inquired XXXX XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXInquired XXXX XX/XX/XXXXXX/XX/XXXX Inquired XXXX XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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 the XXXX XXXX XXXX and i 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-24 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-24 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Complaint Contents : This CFPB complaint has been submitted to request that Equifax XXXX the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, inaccurate, and false information includes a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have led to the appearance of numerous fraudulent addresses and collections on my consumer FICO credit report. I have included a list of the addresses in question, as well as a copy of the consumer FICO credit report that you maintain, which displays the aforementioned fraudulent items. I am unable to identify the aforementioned accounts, collections, or direct inquiries as they were reported. I did not open, make, or initiate the accounts, collections, and addresses that are listed on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the aforementioned accounts, collections, and addresses. I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and addresses are the result of identity theft and fraud. I also filed a Police report with XXXX Police Dept the report number ( XXXX ) These are the addresses that should not be on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
The Credit burera are stating that LexisNexis is providing them the info and that they have verified it from the courts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
I noticed some hard inquiries on 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 explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I tried calling MOHELA 's indicated phone number for customer service at least 5 times on XX/XX/year> and tried calling MOHELA again on XX/XX/year> at least twice to seek clarification on my payment schedule since the agency unilaterally changed my payment schedule and due date. Additionally, I was placed on forbearance by MOHELA and immediately was issued another payment schedule letter without a specified due date. The conflicting information has caused a lot of confusion and I have been trying to seek clarification on when I am supposed to pay. 

When I tried emailing MOHELA between XX/XX/year> and XX/XX/year>, the representative told me that it can not be explained via email due to complexity issues and asked me to call. When I call MOHELA 's number, the representative would always transfer me to another department and the call gets dropped every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MO

Complaint narrative:
APPLIED FOR A DISCOVER IT CHROMECARD ON XX/XX/year> ELECTRONICALLY. THE APPLICATION WAS REVIEWED AND WAS NOT APPROVED DUE TO NUMBER OF CREDIT BUREAU INQUIRIES NUMBER OF ONLINE INSTALLMENTS INQUIRIES NUMBER OF TRADES WITH RECENT ACTIVITY IS LOW THEIR CREDIT DECISON WAS BASED NOT ON INFORMTAION OBTAINED FROM CONSUMER REPORTING AGENCIE ( XXXX ). ALTHOUGH, DISCOVERS APPROVAL WAS NOT BASED ON THE INFORMATION THAT WAS RECEIVED FROM XXXX THEY ALSO OBTAINED MY CREDIT SCORE FROM CLARITY AND USED IT IN MAKING A CREDIT DECISION. KEY FACTORS THAT AFFECTED MY SCORE/THIER CREDIT DECISION STATED BY THEM ( DISCOVER ) STATES THAT : NO OPEN ACCOUNTS IN MYCREDIT FIL. THE DATE THAT I OPENED MY OLDEST ACCOUNT IS TOO RECENT. I HAVE TOO MANY DELINQUENT OR DEROGATORY ACCOUNTS. NO OPEN REAL ESTATE ACCOUNTS IN YOUR CREDIT FILE. NUMBER OF INQUIRIES ON CREDIT BUREAU. ALSO, SINCE THE ASSET BACKED SECURITY /APPLICATION IE,, PROMISSORY NOTE WAS DENIED PLEASE RETURN THE APPLICATION. THIS DENIAL APPEARS TO BE DISCRMITORYBASED OFF CREDIT TRANSCTIONS WHICH IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX is not mine ; I am not responsible for this account, I am a victim of ID theft. People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In XXXX of 2024 Home Depot credit fraud protection notified us that someone was charging on our Home Depot Credit card it XXXX Ill. We live in XXXX XXXXXXXX Colorado . Home Depot closed that card and Issued us a new card. After XXXX day I did not receive the card call Home Depot and was notified that the card was sent to my new address in XXXX Ill. Again I reported the card as lost or stolen and had the address corrected to XXXX XXXX XXXX XX/XX/XXXX I noticed a payment for XXXX from my checking account for ACH online payment Home Depot . I again called Home Depot credit and again was on the phone for over XXXX hours locking down my account. Getting the address corrected again, closing the online account so now one could make a payment online and putting a pasword PIN on the account so the address could not be changed. I was assured that these action would stop the issue as the online account was closed, so no one could make a payment without calling in and a Pin # would need to be give to access the account. On XX/XX/XXXX a unauthorized ONLINE ACH PAYMENT FOR XXXX was posted to my checking account I again called Home Depot Credit and was again assured that the online account was closed and AGAIN HAD TO HAVE THE ADDRESS CORRECTED because they had sent a new card to Illinois address. This time the criminal requested a credit increase on MY ACCOUNT and Home Depot gave it to them! 
On XX/XX/year> I AGAIN noticed a UNAUTHORIZED ACH ONLINE PAYMENT FROM MY CHECKING ACCOUNT TO Home Depot this time for the amount of XXXX I again called Home Depot and was again assured that it could never happen again. However while I was on the phone the the customer rep someone had just posted another payment on my account that had not yet been presented to the bank for over XXXX. When I balanced the account I found another payment for XXXX on XX/XX/XXXX of 2024 that I have reversed as well. At this time I feel that Home Depot has been fraudulent with my personal information and has been complicit in an attempted felony on me for over XXXX not including the XXXX charge that was noticed while I was on the phone with the Customer Rep. I have sense put in place a stop payment of all ACH payment to Home Depot I will walk into the store and make payment by check since Home Depot has been habitually negligent with my banking information!!!

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
An XXXX  loan was reported to my credit. I did not openi this account I have XXXX collections auctions XXXX XXXX for {$800.00} XXXX XXXX XXXX  for {$1200.00} XXXX XXXX XXXX  for {$620.00} These are not my accounts. Must be Theft

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 2024-06-24 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me I was sent over someone eles efforts to obtain and account as the information sent to me did not prove the account was not aquired by someone else using whatever methods necessary to obtain the account and commit identity theft. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft as there is a full copy of the report in this complaint. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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