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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX ( today ) I spoke to a supervisor at Trans Union. The supervisors name was XXXX, who proceeded to disclose to me that the reason why the XXXX XXXX delinquent report ( XXXX of late payments ) has not been deleted is because XXXX XXXX  has not reported to the bureaus ( XXXX, XXXX and Transunion ) to XXXX it XXXX Even though its been XXXX  years, and that delinquent type report should have been deleted already. 
XXXX the supervisor told me he would reach out to XXXX XXXX of deleting it, but I had my doubts since I have been requesting that they remove this XXXX  months ago, as you know from the initial report and they still havent removed it. 
So XXXX I spoke to XXXX a supervisor at XXXX XXXX and she proceeded to tell me in order to remove this delinquent type report, I need to send a letter to their private credit bureau that handles these reports. 
I asked XXXX XXXX, why they cant remove it, because it should have been removed several months ago, why should I have to write an actual letter? 
She couldnt give me an answer. I also asked them why is it quick for them to report a missed payment, but it takes XXXX  days to remove a report that should have been removed months ago? No answer. 
I also asked the supervisor of XXXX XXXX has Trans Union and XXXX and XXXX reached out in trying to remove the report that Ive been complaining about? She said I can not answer that. 
Im blown away that a financial institution ( XXXX  XXXX ) is able to get away with this. Its in fact against the law to have a report such as this for more than XXXX  years. 
Heres what is so outrageous about this whole situation. These credit bureaus have a legal responsibility to keep an eye on how long the reports are on there end and when they should be removed. Based on what I have seen so far with all three credit bureaus is, they are not keeping an eye on their data. And it seems to me that all three of these credit bureaus, including some of these financial institutions do not seem to care about the consumer. Which negatively impacts vantage XXXX score which XXXX XXXX works along with. And negatively impacts the scores with all three credit bureaus due capital ones negligence. 
Due to this issue, it has interfered with me not being able to proceed with handling business. I am unable to purchase a vehicle and get a personal loan due to their negligence. 
Heres whats mind blowing, we are in XXXX  and yet the only way to reach out to this XXXX bureau of XXXX  XXXX in XXXX XXXX XXXX is by mail? Is this a joke? Unacceptable and messy!

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 status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX ( today ) I spoke to a supervisor at XXXX XXXX. The supervisors name was XXXX, who proceeded to disclose to me that the reason why the XXXX XXXX delinquent report ( XXXX of late payments ) has not been deleted is because XXXX one has not reported to the bureaus ( Equifax, XXXX and XXXX ) to delete it XXXX Even though its been XXXX  years, and that delinquent type report should have been deleted already. 
XXXX the supervisor told me he would reach out to XXXX XXXX of deleting it, but I had my doubts since I have been requesting that they remove this XXXX  months ago, as you know from the initial report and they still havent removed it. 
So XXXX I spoke to XXXX a supervisor at XXXX XXXX and she proceeded to tell me in order to remove this delinquent type report, I need to send a letter to their private credit bureau that handles these reports. 
I asked XXXX XXXX, why they cant remove it, because it should have been removed several months ago, why should I have to write an actual letter? 
She couldnt give me an answer. I also asked them why is it quick for them to report a missed payment, but it takes XXXX  days to remove a report that should have been removed months ago? No answer. 
I also asked the supervisor of XXXX XXXX has XXXX XXXX and Equifax and XXXX reached out in trying to remove the report that Ive been complaining about? She said I can not answer that. 
Im blown away that a financial institution ( XXXX  XXXX ) is able to get away with this. Its in fact against the law to have a report such as this for more than XXXX  years. 
Heres what is so outrageous about this whole situation. These credit bureaus have a legal responsibility to keep an eye on how long the reports are on there end and when they should be removed. Based on what I have seen so far with all XXXX  credit bureaus is, they are not keeping an eye on their data. And it seems to me that all three of these credit bureaus, including some of these financial institutions do not seem to care about the consumer. Which negatively impacts vantage XXXX score which XXXX XXXX works along with. And negatively impacts the scores with all three credit bureaus due XXXX XXXX  negligence. 
Due to this issue, it has interfered with me not being able to proceed with handling business. I am unable to purchase a vehicle and get a personal loan due to their negligence. 
Heres whats mind blowing, we are in XXXX  and yet the only way to reach out to this XXXX bureau of XXXX  XXXX in XXXX XXXX XXXX is by mail? Is this a joke? Unacceptable and messy!

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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I cant figure out how they got there. I check my credit report regularly, but this time, there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but the accounts didnt disappear. Im pleading for the documents Ive sent to be reviewed thoroughly so I can finally stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 — Old information reappears or never goes away
Company: Chime Financial Inc
State: PA

Complaint narrative:
chime bank - secured credit card i do not owe anything please take it off my credit report XXXX  XXXX credit card- i do not owe them anything they are lieing about money owed progressive car insurance- i do not owe them i canceled the XXXX XXXX XXXX XXXX please take off all their claims, i do not owe them a dime of money at all please take off all hard inquires

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express sent misleading requests for payments to bring my balance down on an account I have had over 35 years and never missed a payment. They tried to mislead me to lower my balance despite the fact that I was not over my limit, then they lowered my limit in the middle of the billing cycle to below my current balance and shut my card off citing " Over limit '' as the reason. I had not missed a payment when they turned off the card and all of my subscription services and renewal items including medical payment plans then bounced because the card was off. 

I spoke to them several times and they assure me they would not shut the card off but did anyway. Then they sent me emails and communications when my card was off that said if i made the payment the card would be turned back on. I made the payment and the card is still not turned on and is still declining charges. 

They also sent me an update on my account that shows " No payment due '' and my account in good standing despite the fact that they still have the card off. 

They have committed fraud and I intend to pursue this matter with the courts or arbitration, they have cost me an enourmous amount of time and embarrassment.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$49000.00} from XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$49000.00} from XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2024-12-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  issued a credit card which i finally settled with. amount of {$200.00} paid XX/XX/year> payment number XXXX ID : XXXX Amount of {$250.00} paid XX/XX/year>, payment number XXXX ID : XXXX. 
Checking Account has been closed at XXXX XXXX  after payment of credit card. 
I encourage the agent if I could open a new account after everything was cleared and payment was settled but XXXX XXXX teller refuse to accept me as she said the manager disapprove. As I know the manager was out of the office already and the teller is just lazy to process or assist because she is in a hurry to go home because she said they are closing the office soon. The teller was also rude and not helpful. 
I am a living human being and I have a right under 15 USC 1681.

Equifax is given by 15 USC 1681 and they violated my rights numerous of times. I demand that the account listed be removed according to 15USC 1681, I have the right to Privacy and I did not give Equifax written permission to furnish the accounts.

Company response to consumer: Closed with explanation