vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: NJ

Complaint narrative:
My account with Experian 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 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.

Experian 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 2024-08-08 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  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 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 2024-08-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an Amex American Express Gift Card as a present on XXXX of XXXX. 

I checked the balance and made sure the card was active online at the balance.amexgiftcard.com website as listed on the card. The starting balance was {$100.00}. 

I tried using the card for in store purchases, but it was denied. I then tried to use it for online purchases at XXXX XXXX and XXXX, but both were denied as well. Now, the balance shows {$99.00} despite not processing any of those transactions. 

I have tried varying amounts under {$100.00} such as {$9.00} as some people have suggested, but to no success. Many people have reported the same problem through the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: PA

Complaint narrative:
I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX reported to LexisNexis that I had an at fault accident on XX/XX/XXXX, which they sent me a letter ( included ) stating I am not at fault. This was never updated with LexisNexus after numerous complaints to XXXX XXXX and LexisNexis. I have been trying to correct this since XXXX and it still has not been corrected. There is no phone number for LexisNexis that will connect me to a live person and their website tells me to call a number that nobody answers and it mentions nothing about how the dispute process works. Ive also mailed the letter from state farm to them on numerous occasions and no response ever came.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I notice after 2 years that when United Wholesale Mortgage Insurance bought my Mortgage did not continue to pay my previous insurance holder premium as was agreed when XXXX setup my insurance, autopay etc. I have paid more than XXXX dollars more in insurance premium in the last 2 years because of this. The worst is that when I wanted to correct this the insurance company did not wanted to honor my rate because of lapse in coverage. What can I do UWM hold my escrow? 

Also when I contacted them apparently after going into my account they deactivated my autopay that has been working for more than XXXX years without a problem. 


My only guess is customer targeting. I am now afraid that UWM will continue to make adjustments to earn more money from me. Never had a problem with a mortgage company. They are persecutting customers to get more money in from XXXX through insurance and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
More than one month ago, XX/XX/2024, my request for a copy of my free Equifax credit file disclosure was received by the Annual Credit Report Request Service at XXXX XXXX XXXX, XXXX, GA XXXX, as confirmed by USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX. Despite this confirmation, I have not yet received my Equifax credit file disclosure pursuant to my XX/XX/2024 request. 
My first name is XXXX XXXX ; my middle name is XXXX and my last name is XXXX. My first name is NOT XXXX. I do NOT recognize first name XXXX. I am NOT known by first name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN THERE IS AN INACCURATE PUBLIK RECORD DOCK # XXXX LISTED AS A BANKRUPTCY THAT I HAVE NEVER FILED, I REACHED OUT TO THE STATE CLERKS OFFICE AND ASKED FOR VERIFICATION THEY TOLD ME THAT THEIRS NO BANKRUPTCY AND ALSO WROTE ME A LETTER STATING THAT THEY DONT SHARE INFORMATION WITH ANYONE OR ORGANIZATION I THEN ASKED CREDIT COMPANY IN QUESTION WHY IS IT ON MY CREDIT CONSUMER PROFILE THEY REFUSED TO SEND ME ANY INFORMATION OR VERIFICATION WHICH IS IN VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO FCRA LAWS

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 2024-08-08 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: MI

Complaint narrative:
I have an inquiry on my credit report that is not mine. XXXX XXXX XX/XX/2024 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: IN

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXXXXXX 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 2024-08-08 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: IN

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: TX

Complaint narrative:
I was a victim of identity THEFT. Someone stole my information open credit card accounts up and started charging it in my name This is fraudulent and it needs to be removed ASAP. it's hurting my ability to be able to obtain credit

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 2024-08-08 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: FL

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 2024-08-08 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: NC

Complaint narrative:
I am writing to file a complaint against XXXX, TransUnion, and XXXX for reporting unauthorized inquiries on my credit reports and their refusal to investigate my claims. Despite multiple attempts to address these unauthorized inquiries, the credit bureaus have ignored my correspondence and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This negligence has resulted in the continued presence of unauthorized inquiries on my reports, negatively impacting my credit score and financial health.

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 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX This will be my second time reaching out to CFpb. I call key bank in XXXX til this present day now they keep telling me they mail internal revenue back my check so internal revenue can reissue me another check. Key bank states XX/XX/XXXX it shows irs cashed the check. I reached out to irs they stated they havent received a check and they asked me to reach key bank to ask for the checking number or reference number so they could locate the check. I asked keybank and XXXX XXXX multiple times and they refuse to give me the check number and reference number. They stated they are not allowed to give it to me because the check was made out to irs and not myself. Keybank and XXXX XXXX I believe they are lieing and they still have my check and they stated they cant call bank to verify the payment was sent and they also stated irs have to reach them. This bank put me through XXXX it been 1year now and I still havent had my money this bank could easily call irs to verify they send them the check and they could have given them the check number but instead they rather put me through XXXX. There need to be action taken because keybank isnt doing there job. They are saying as I was told they not sure how check was sent back. So yes I dont believe they mail my check back. I even ask the bank to mail the check to me instead of mailing it back to irs. They stated the check was from irs so it goes back to them. Irs mailed the check to me last year. Im the one that signed it and mailed it to XXXX XXXX to deposit in my account. I wish I never mail this bank anything because they waited long time to get this resolved. As of now nothing is resolved and Im asking for proof that the check was mailed back and Im asking for check number and reference number to give to irs so irs can reissue me another check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-08 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: FL

Complaint narrative:
RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern..

It is of utmost importance for the creditor to comply with each parameter established by the Fair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the Fair Credit Act. 15 U.S. Code 1666 ( b ) ( a ) XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/year> XX/XX/year> Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates.

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.

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 2024-08-08 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: WI

Complaint narrative:
I have submitted several disputes to Equifax concerning inaccuracies on my credit report. Despite my efforts to correct these errors, I have not received a proper investigation or response from Equifax. The disputed accounts continue to be listed on my credit report, which is negatively impacting my credit score and financial opportunities. This lack of action by Equifax is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must investigate disputes and ensure the accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX for {$710.00} from XXXX XXXX. Three items are missing from the order XXXX XXXX XXXX in black and purple and seafoam were never shipped. Chase summarily ruled in favor of the merchant in violation of the Fair Credit Act. They never called me and just ruled in favor of merchant. They never even left me a message. All they have is a box that was shipped. Disgusting behavior

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently looking over my credit report, I noticed these fraudulent inquiries on my report. I do not recognize nor acknowledge these inquires and kindly asked for them to be removed.

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 2024-08-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently looking over my credit report, I noticed these fraudulent inquiries on my report. I do not recognize nor acknowledge these inquires and kindly asked for them to be removed.

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 2024-08-08 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: NC

Complaint narrative:
I am writing to file a complaint against Equifax, XXXX, and XXXX for reporting unauthorized inquiries on my credit reports and their refusal to investigate my claims. Despite multiple attempts to address these unauthorized inquiries, the credit bureaus have ignored my correspondence and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This negligence has resulted in the continued presence of unauthorized inquiries on my reports, negatively impacting my credit score and financial health.

Company response to consumer: Closed with non-monetary relief