vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
My account with XXXX  XXXX XXXX XXXX AND 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 NA AND 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 2024-12-12 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: CA

Complaint narrative:
I received a copy of my credit report today and discovered a hard inquiry from several companies. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Also, my information was part of a data breach with several companies XXXX XXXX XXXX Equifax, XXXX XXXX ). 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 


Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I received a copy of my credit report today and discovered a hard inquiry from several companies. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Also, my information was part of a data breach with several companies XXXX XXXX XXXX XXXX, XXXX XXXX ). 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 


Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX 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 2024-12-12 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-12 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: AL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00}

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 2024-12-12 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 2024-12-12 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-12-12 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-12-12 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: AL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Per 15 U.S.C. 1681 ( n ) Civil Liability for willful noncompliance. Your agency is in violation of 15 U.S.C. 1681 ( n ) by reporting inaccurate information on my credit file. On XXXX I requested the validity of this account per 15 U.S.C. 1681 ( i ) Procedural Investigation of multiple balances for this account being inaccurate. No such documents were produced and or mailed to me. In XX/XX/XXXX XXXX XXXX XXXX XXXX accepted a payment of {$2400.00} for charge off settlement as payment in full with a zero balance after a write off of {$8900.00} from the original {$11000.00} account balance. 

In addition to this XXXX XXXX XXXX XXXX has violated 15 U.S.C. 1666 ( b ) Timing of payments consistently reporting a charge off status every month since XX/XX/XXXX although the account was closed XX/XX/XXXX. XXXX XXXX XXXX XXXX then reported a new account in which I did not open ending in # XXXX as mentioned above. They reported last payment date XX/XX/XXXX on this account of {$120.00} which I did not make this payment. XXXX XXXX XXXX XXXX falsely reported this in an attempt to collect an additional debt not owed. Falsely reporting inaccurate information to prolong the length of time to report to Credit Reporting Agencies Equifax, XXXX XXXX XXXX XXXX is a direct violation of 15 U.S.C. 1681 FCRA & FDCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: OH

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  XXXX XXXX XXXX {$2000.00}, XXXX XXXX  XXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX XXXXXXXX {$6500.00}, XXXX XXXX XXXX {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: OH

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  XXXX XXXX balance {$2000.00}, XXXX XXXX XXXX XXXX {$280.00}, XXXX XXXX XXXX balance {$17000.00}, XXXX XXXX XXXX balance {$6500.00}, XXXX XXXX balance {$4800.00}

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 2024-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank offered me a {$2500.00} credit limit XX/XX/year>. I accepted it and today received a letter stating the limit was reduced to {$250.00}. My credit score has only gotten better since that approval. If they had offered me even {$1000.00} I would not have opened the account. The only reason I accepted the offer was because of the {$2500.00} limit.

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 2024-12-12 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against US Bank regarding discriminatory treatment by a customer service representative, ongoing issues with my US Bank XXXX credit card, and general poor customer service. 

Background Information - Recently, I applied for and received the US Bank XXXX credit card. As part of this process, I transferred {$100000.00} to US Bank and opened both checking and savings accounts. Despite this commitment, I have faced the following issues : Delayed Card Delivery : The credit card took over a week to arrive, which was inconvenient and disappointing.

Blocked Transactions : Regardless of whether the transactions were online or in-store and regardless of the amount, US Bank consistently declines my transactions.

I have contacted customer service numerous timesduring the day, at night, on weekdays, and weekendsto resolve this issue. Each time, I was assured that the problem was fixed, yet the next transaction was blocked again. 

Discriminatory Behavior : During a call with a representative named XXXX on XX/XX/XXXX, I was subjected to degrading and XXXX comments about my accent. XXXX also asked for unnecessary information, which I believe was unrelated to the issue at hand. Based on information from other representatives, I suspect XXXX may have left false notes on my account, further complicating the situation. 

Request for Resolution : US Bank records its customer service calls, and I urge you to review the call with XXXX on XX/XX/XXXX. His behavior was not only unprofessional but also discriminatory, which is unacceptable. Additionally, I request that the CFPB investigate the following : Why my credit card transactions continue to be declined despite assurances from US Bank. 
Whether false or misleading notes were added to my account, as suggested by other representatives. 
The overall handling of my concerns by US Bank, including their failure to resolve the issues in a timely and respectful manner. 

Impact on Me : I am a loyal customer who trusted US Bank with significant financial assets. This experience has been not only frustrating but also deeply degrading due to the discriminatory treatment I received. 

Desired Outcome : I seek : A formal apology from US Bank for the treatment I endured. 
A resolution to the ongoing credit card issues. 
Confirmation that discriminatory behavior is addressed appropriately, and that the representative involved is held accountable. 

Thank you for your attention to this matter. Please let me know if you need any additional 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX credit cards and a savings account with Capital One. I called earlier today, XX/XX/year>, and requested my last name be updated. At that time all accounts were active on the Capital One app and the representative made no mention of my account being closed. Later in the day the app my XXXX account said closed and my rewards balance of {$120.00} was gone. I called and spoke to XXXX and he stated my account was closed for inactivity. He stated a check would be issued to me for the rewards balance and he would submit an appeal to reopen my account and I would have a response in 7-10 days. I requested to speak to someone to submit a formal complaint because there was no communication from Capital One that there was any issues even though I use the app regularly and have other active accounts. He transferred me and the individual I spoke initially stated they could submit an appeal and if its not approved I could reapply for the same credit card. I told him I dont want to reapply Im concerned about the impact the close account will have on my credit score. He then got upset and told me there is no appeal and no way to open my account. The account was in goood standing along with my other accounts. I asked if there was someone else I could speak with. He stated its the same supervisor group who will not be able to help me so I asked if there was someone I could contact tomorrow and he stated I can contact XXXX XXXX. I asked for his email and he told me to look it up on the capital one site. I asked for the name again and he said I already told you XXXX XXXX the CEO. I asked about my rewards check and he stated I forfeited my money and would not be receiving anything. I was told Capital One sent a letter XX/XX/year> which I explained I never received. My accounts have been in good standing since opened and if there was an issue with me utilizing one credit card account and not the other simple communication would have fixed the issue and I wouldve stated to use both. I called the same day they claimed the account was closed so I dont see why it cant be reopened and why they stole the money I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$440.00}

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 2024-12-12 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: MI

Complaint narrative:
Previously, I experian via certified mail on XX/XX/XXXXXXXX  that the account in question ( XXXX XXXX Account # XXXX ) was inaccurate they responded that they verified this information. 

The company is also aware that this account is fraudulent so I know that experian did not verify this information with XXXX XXXX. 

So I then requested he method of verification through CFPB Complaint # XXXX on, XX/XX/XXXXXXXX  then another CFPB complaint # XXXX on XX/XX/XXXX. 

Each time Experian blatantly ignored my request and violated my rights under the fcra to know the exact method of verification with the exact documentation they have on file that verified this, or to know who they spoke with and on what days and time. Further they completely ignored my rights to have this information supplied in 30 days as it has now been over a year!

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