vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: DE

Complaint narrative:
My account with XXXX XXXX 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 XXXXXXXX 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 2024-12-11 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: TX

Complaint narrative:
I have advised Experian that I am a victim of identity theft and provided all the necessary documents & they have responded that my attempt to block these fraudulent accounts from my credit file was not granted because I received goods!! I have never received anything from any of these reports companies! Experian please provide me with proof where I received good from these companies!!! I have even provided proof from the company affirm reporting on my credit profile which lets me know that Experian is not doing a proper investigation. You are currently violating my rights. This will be my last and final attempt to remove these fraudulent accounts that was opened without my knowledge or permission. My next step will be legal action against you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX OR XXXX was never late! I have had exceptional payment history witH capital one 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 l
ate 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  XXXX OR 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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As a new Chase Sapphire Reserve card holder, I was drawn to the product in part due to the 10x points earning eligibility on Chase dining. As a first time user trying to take advantage of this offer, I read through all the disclaimers and fine print of the program, and I believed that in inputting my credit card to complete reservation at the restaurant I selected from the dining portal that I completed all the required actions. Unfortunately, when I did not see the points that I expected, I followed up with the Chase Sapphire Reserve team to explain my situation and was told conflicting information on the two ( 2 ) follow up calls I made about the program. On my first call, the agent assured me that I followed the program correctly and that I needed to wait as the program could take up to 2 billing cycles to credit. I had some reassurance when I heard this. However, after a month 's time and my continued monitoring of my bonus points, I never received the points I was missing for the reservation, so I called back a second time. Only on my second call did the representative rudely advise me that the program basically works properly and I didn't make an eligible purchase and I'm not owed any points. As I continued to plead my case and explain that the program was not clear and I am raising concern of misleading and false advertising of the program, I was able to escalate to a supervisor only to be told that I'm not eligible because I didn't actually pre-pay for my meal despite it being my first time to use the portal and I inputted my credit card. When I further explained that there was no option to pre-pay at the restaurant I selected, the agent insisted this was not an issue on their part, and that they would submit an internal review. Today, I received a notice from Chase advising that they believe I am owed any missing bonus points. This is where I disagree and have included screenshots of the process I followed, and that since this was also my first time attempting to use the program, that I feel misled as the restaurant does did not have a pre-pay option ( apparently inputting my credit card was not clear enough that this was different than pre-paying ). Furthermore, there are many threads on forums like XXXX that other customers have felt misled and advised that the program is unclear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-12-11 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: MA

Complaint narrative:
Dear Consumer Protection Agency, I am writing to express my concern regarding a significant issue within the credit reporting system that adversely affects consumers. Specifically, there exists a pronounced lag between the time a debt payment is made and cleared, and when this update is reflected on consumers credit reports. This delay, often spanning two to three months, has a profound impact on credit scores, leading to unfair consequences such as inflated interest rates and restricted access to credit during this lag period.

Issue at Hand When consumers pay down their debts, their intention is to improve their financial standing and, by extension, their credit scores. However, the current reporting framework creates a systemic delay. Credit bureaus rely on periodic updates from creditors, which may only occur once per billing cycle or longer. During this time, consumers credit scores remain artificially low, inaccurately reflecting their improved financial behavior. This disparity not only undermines trust in the credit scoring system but also imposes significant financial burdens on borrowers who are subjected to higher interest rates or even denied credit altogether based on outdated information. 

For instance, if an individual reduces their credit utilizationa major factor in credit scoringit can take months before their score reflects this positive change. In the interim, their ability to secure affordable financing or qualify for essential loans is hindered. Such lags disproportionately affect those striving to improve their credit standing, creating a cycle of disadvantage that could otherwise be avoided with more timely updates.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Consumer Protection Agency, I am writing to express my concern regarding a significant issue within the credit reporting system that adversely affects consumers. Specifically, there exists a pronounced lag between the time a debt payment is made and cleared, and when this update is reflected on consumers credit reports. This delay, often spanning two to three months, has a profound impact on credit scores, leading to unfair consequences such as inflated interest rates and restricted access to credit during this lag period.

Issue at Hand When consumers pay down their debts, their intention is to improve their financial standing and, by extension, their credit scores. However, the current reporting framework creates a systemic delay. Credit bureaus rely on periodic updates from creditors, which may only occur once per billing cycle or longer. During this time, consumers credit scores remain artificially low, inaccurately reflecting their improved financial behavior. This disparity not only undermines trust in the credit scoring system but also imposes significant financial burdens on borrowers who are subjected to higher interest rates or even denied credit altogether based on outdated information. 

For instance, if an individual reduces their credit utilizationa major factor in credit scoringit can take months before their score reflects this positive change. In the interim, their ability to secure affordable financing or qualify for essential loans is hindered. Such lags disproportionately affect those striving to improve their credit standing, creating a cycle of disadvantage that could otherwise be avoided with more timely updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Nationwide Recovery Systems, Ltd
State: GA

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. Account name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX is showing on my Experian and XXXX reports XXXX has already removed the account

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 2024-12-11 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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 2024-12-11 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:
XXXX XXXX XXXX XXXX report number -- XXXX ACCORDING TO U.S.C. & 1681B, I AM writing to formally request the removal of unauthorized credit inquires from my credit report. Since i did not grant permission for these inquiries, they are a violat03ion of my right under the FCTR.

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 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
In XX/XX/XXXX called to set up a payment plan with Pressler Felt and Warshaw ( PFW ) for a known owed debt. Received a payment agreement letter stating they will agree to accept {$3600.00} total which includes office fees. The plan agreed was {$400.00} due the XXXX each month starting XX/XX/XXXX. The credit card company suing requests {$3200.00}. In the agreement letter it states that the funds will be applied to my balance. After unable to financially keep up with payments, the agreement was terminated and continued to my wage being garnished with the award to the credit company being {$3200.00}. After reaching out several times to PFW, I have recorded conversations, they refuse to tell me if my ( XXXX ) payment of {$400.00} given XX/XX/XXXX was applied to the balance and was told to reach out to the court officer listed on my garnishment letter. Since then it has been more than difficult to get in contact via phone with them, but they still send me letters, most recent being XX/XX/XXXX stating that I owe over {$500.00} to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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 have been a victim of Identity Theft. There are inquires on my credit report as a result of Identity Theft. I did not authorize these inquires. Attached is an FTC report regarding these fraudulent inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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 have been a victim of Identity Theft. There are inquires on my credit report as a result of Identity Theft. I did not authorize these inquires. Attached is an FTC report regarding these fraudulent inquires.

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