vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update 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 2024-11-28 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Republic Finance Legal and Compliance XXXX XXXX XXXX XXXX XXXX, LA XXXX Subject : Formal Dispute of Duplicate Reporting Account XXXX  Ending XXXX Dear Republic Finance, I am writing to formally dispute inaccurate and duplicate reporting of my account XXXX  ending in XXXX on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account twice : once as a positive account in good standing and again as a charged-off account. This duplicate reporting is misleading and harmful to my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to provide accurate information to the credit reporting agencies. By reporting the same account twice under different statuses, you are violating this provision. 
I am requesting the following actions be taken immediately : Remove the duplicate entry from my credit report. 
Provide written confirmation that the error has been corrected and no further duplicate reporting will occur. 
If this matter is not resolved promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I am also prepared to pursue additional legal remedies to enforce my rights under the FCRA. 
Please respond to this letter in writing within 30 days of receipt, as required by law, to confirm that the necessary corrections have been made. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX  XXXX XXXX at approximately XXXX I withdrew {$160.00} from my debit card at the Chase ATM on XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX. The following day, I saw that an additional {$200.00} was taken out at approximately XXXX. By that time I was at a bar/establishment waiting on a friend so there is no way I made the withdrawal. I always had the card in my possession and I never gave my pin to anyone. This was a classic fraud case where someone must have skimmed my card and somehow recorded my pin. The bank has denied my initial claim and I plan on filing a police report next. Please help rectify the situation as I do not deserve to have {$200.00} stolen from me. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX Subject : Formal Dispute of Duplicate Reporting Account # Ending XXXX Dear XXXX XXXX, I am writing to formally dispute inaccurate and duplicate reporting of my account XXXX  ending in XXXX on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account twice : once as a positive account in good standing and again as a charged-off account. This duplicate reporting is misleading and harmful to my credit score. 
Under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to provide accurate information to the credit reporting agencies. By reporting the same account twice under different statuses, you are violating this provision.

I am requesting the following actions be taken immediately : Remove the duplicate entry from my credit report.

Provide written confirmation that the error has been corrected and no further duplicate reporting will occur.

If this matter is not resolved promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I am also prepared to pursue additional legal remedies to enforce my rights under the FCRA.

Please respond to this letter in writing within 30 days of receipt, as required by law, to confirm that the necessary corrections have been made.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Subject : Formal Dispute of Duplicate Reporting Account XXXX  Ending XXXX Dear XXXX XXXX, I am writing to formally dispute inaccurate and duplicate reporting of my account XXXX ending in XXXX on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account twice : once as a positive account in good standing and again as a charged-off account. This duplicate reporting is misleading and harmful to my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to provide accurate information to the credit reporting agencies. By reporting the same account twice under different statuses, you are violating this provision.

I am requesting the following actions be taken immediately : Remove the duplicate entry from my credit report.

Provide written confirmation that the error has been corrected and no further duplicate reporting will occur.

If this matter is not resolved promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I am also prepared to pursue additional legal remedies to enforce my rights under the FCRA.

Please respond to this letter in writing within 30 days of receipt, as required by law, to confirm that the necessary corrections have been made.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/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
Consumer complaint received 2024-11-28 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: LA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX numberXXXXXXXX XXXX XXXX number : XXXX Inquiries XXXX XXXX XXXXXXXX ( AUTO XXXX XX/XX/XXXXXXXX XXXX XXXX  ( AUTO ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( AUTO ) XX/XX/XXXXXXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX numberXXXX XXXXXXXX XXXX number XXXX XXXX Inquiries : XXXX XXXX ( AUTO XXXX XXXX XXXX XXXX  ( AUTO ) XXXX XXXX XXXX ( AUTO ) XX/XX/XXXXXXXX XXXX XXXX ( AUTO ) XXXX XXXX XXXX XXXX FINANCE XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-28 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I do not consent to e-OSCAR verification, I want a real human being to read this complaint. I sent in through registered mail a security to NAVY FEDERAL CREDIT UNION on XX/XX/year>. The security was received XX/XX/year> at the location NAVY FEDERAL CREDIT UNION instructed me to send to. NAVY FEDERAL CREDIT UNION did not credit my account from the dividend payment that the company made off my treasury coupon. Did not credit my account via the electronic transfer fund act of the interest on my treasury coupon. I tendered the coupon I received according to the UCC laws, but NAVY FEDERAL CREDIT UNION are infringing upon these laws and also the many laws that govern my federally protected rights as a federally protected consumer. " XXXX. DISCHARGE BY CANCELLATION OR RENUNCIATION. 
Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. 

( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. 

( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. '' According to UCC 3-604 the debt is automictically discharged for the non-compliance of the company after I fulfilled my obligation according to UCC XXXX XXXX Also, U.S. Constitution 's Article I, Section 10, Clause 1 states that states are not allowed to coin money or make anything but gold and silver coin a tender in payment of debts. Also, according to Missouri State UCC the state can not demand just one form of payment. UCC doesn't accept central currency, so I'm confused about the mentioning of money/U.S. Dollars that NAVY FERDERAL CREDIT UNION keep trying to only receive when you can't just accept that one form of payment as even on NAVY FEDERAL statement sent me has section for " Restrictive Endorsements ''. Also, within your NCUA agreement that your company signed off on in order to be in the position you company 's in and in order to get authorization from the security exchange to act with securities that your company will discharge consumers ( me ) debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) ( Account 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 an account without my written instructions.

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