vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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 with XXXX 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 XXXXSC 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 ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX 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 2024-06-19 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 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 ( MONTHS REPORTING LATE ) 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 21 days before the payment due date. 


XXXX 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 21 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 2024-06-19 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: WA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 U.S.C 1681 section 602 A : I have a right to privacy. This code was violated by all the above accounts.

According to 15 U.S.C 1681 section 604 A ( 2 ) : Can not furnish without my written instructions. This code was violated by all the above accounts.

According to 15 U.S.C 1681s-2 : Any person can not furnish inaccurate information relating to consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. This code was violated by all the above 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 non-monetary relief
Consumer complaint received 2024-06-19 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: WA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 U.S.C 1681 section 602 A : I have a right to privacy. This code was violated by all the above accounts.

According to 15 U.S.C 1681 section 604 A ( 2 ) : Can not furnish without my written instructions. This code was violated by all the above accounts.

According to 15 U.S.C 1681s-2 : Any person can not furnish inaccurate information relating to consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. This code was violated by all the above accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I ordered a refrigerator from XXXX, but was notified that it was out of stock, to order a different one. I found another for XXXX. It was delivered and I put it into a XXXX XXXX XXXX XXXX. The next month on XXXX my citibank app suggested to put my purchase onto a XXXX XXXX. I thought I made a mistake and put it into XXXX XXXX # XXXX. This amount was XXXX. Citibank readded the canceled refrigerator onto my card as XXXX XXXX XXXX. It never left the warehouse! I was paying for 2 refrigerators. I canceled XXXX XXXX and it was canceled from XXXX but the balance of XXXX was added back onto my standard purchases. I had made 3 payments of {$110.00}. I have made at least 25 call and written a certified letter. I escalated my complaint in XX/XX/XXXX. They sent it to an analyst in SD. XXXX added my purchases and fees from XX/XX/XXXX to XX/XX/XXXX. It was {$22000.00}. My payments and credits were {$21000.00}. Balance XXXX proving I was overcharged by {$1200.00}. My bill showed a ballace due of {$2200.00}. Citibank won't respond or give written explanation.

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 2024-06-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law

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 2024-06-19 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: GA

Complaint narrative:
On XX/XX/year> I disputed inaccurate accounts that were listed on my credit report. 
Then on XXXX XXXX I sent an additional letter in regards to the inaccurate accounts. 
Experian is reporting an account, XXXX XXXX XXXX - Account number XXXX and XXXX - Account number XXXX. 

I don't or never had an account with this company. 

XXXX is reporting XXXX - Account number XXXX Experian and XXXX refused to remove the disputed accounts, conduct a proper investigation nor provide me with their method of verification. 

This is a violation of FCRA Section 611-'a'-'2 '

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 2024-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was under the impression that my payments were going towards principal. When I address this with company and asked that my payments be reassigned to principal I was told they can not do anything about it and going forward to use the principal only option. However I was never given that option. I have paid over {$10000.00} towards the loan yet my principal has barely gone down. I feel as though this is deceitful. Theres no way for me to only pay towards principal only. I want something done about this I feel as though I am trapped in this loan. On top of that I have late fees I was told needed to be paid separately yet there is no option to do so. And in turn I am getting charged interest for the late fees. I was also not made aware of how much interest would cost me totally and that its compounded daily. If I would have known we would have just kept our cash cars. This has beeen the worst experience with an auto loan I have ever had and I would really like someone to make this right. This has a huge impact on my credit and it feels like my principal balance isnt budging at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: OneMain Finance Corporation
State: NC

Complaint narrative:
On or about XX/XX/year> a copy of my credit was pulled on XXXX Also XXXX from a company called One main

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-19 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: CT

Complaint narrative:
I reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that is was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments i.ve attached a copy of my report to this complaint on the following dates XX/XX/year>2024 XXXX XXXX i/m now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2024, Chase Bank unexpectedly cancelled my account without providing any explanation or prior notification. Upon contacting the bank for clarification, I was unable to obtain any information regarding this abrupt closure. This situation has caused me significant inconvenience and concern, and I seek an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-19 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-19 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: OR

Complaint narrative:
On or around XX/XX/year> Transunion reported an unauthorized inquiry from XXXX XXXX. I never authorized this credit pull. And Transunion is illegally reporting this unverified unauthorized transaction. They are in federal violation of 15 USC 1681

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 2024-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, in XXXX of XXXX there was fraud done on 3 of my capital one cards. I was a victim of fraud last year in XXXX. purchases was made on all three of my capital one credit cards. i called capital one and they never reached back out about the update on yhe investigation. They just closed all three of my capital one credit crads, so I thought I did not have to deal with them anymore, even though i eas sad i could not use or have my credit cards anymore and i was with them for years. Fast forward I noticed even though they closed my accounts and I could jot lof back into credit card accounts that they was reporting late charges on my credit files with all three credit bureaus. which affected me drastically, i called capital one and they said they could not do anything even though the fraud in fact did happen on account. Now I cant purchase home or do anything because of my credit files. Please help get these capital ones off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-06-19 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: TN

Complaint narrative:
This account was paid off XX/XX/year>. Since then XXXX, XXXX and Experian has updated the account as charged off for the month of XX/XX/year>. 
They are not allowed to report a debt as charged off when it has been paid in full. This is a violation of the Fair Credit Reporting Act ( FCRA ) You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this 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 2024-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the validity of a debt claim made against me. Qualia Collection Services ' email dated XX/XX/XXXX, at XXXXXXXX XXXX XXXX, referenced an alleged debt of {$390.00} purportedly incurred on XX/XX/XXXX. 

I assert that this claim is erroneous. This matter was previously settled with XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and adjudicated by the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID : XXXX, dated XX/XX/XXXX. As per the resolution provided by XXXX in response to this complaint, it was concluded that, " On the strength of the documentation provided, we have ordered the account deleted from the credit bureaus. '' Enclosed with this communication, you will find copies of the relevant CFPB complaint and the formal response from XXXX, which substantiates the resolution of this matter and the directive to delete the account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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 XX/XX/XXXX my niece contacted my concerning some issue with her debit card and if I had a joint account with her. This information was given to her by the employees of the bank. I then decided to contact the bank that is when I was told that my debit card was closed by the fraud dept. on behalf of a call that was placed by my niece concerning her debit card being lost or stolen. I was told my card was lost or stolen meanwhile my card that chase bank compromised is still in my possession of as this date XX/XX/XXXX. on XX/XX/XXXX I was also advised that my niece is a signer on my account and also the beneficiary. I was advised to visit a branch location to resolve this matter. I was asked why did the fraud dept. send me to the branch location when they were the ones who initiated the problem. At the branch I was also advised by an employee on the phone that my niece is a signer on my account making my account accessible to XXXXhree individuals where by there are only two signers on my account my self and my daughter and my debit card was lost or stolen. After that date I placed several calls to the bank trying to find out how and why my card was closed since my niece called concerning her account. One employee even told me that the beneficiary can conduct transactions on any account. I eventually got a claim initiated with the executive department. In the interim of waiting on this matter to be resolved my car insurance, my apple account and my legal shield was almost cancelled due to these accounts being linked to my Chase debit card. The matter was eventually resolved per the executive office after approx. 6 weeks. I had to request documents as such but this letter does not explain what happened and caused my debit card to be closed by an individual who has no personal ties to my account other than being the beneficiary on the account. The most I received from XXXX is an apology and the letter is verbiage that the executive office approved to be sent out to myself.

Company response to consumer: Closed with explanation