vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I did not receive statements via mail from the credit card company but started getting them by mail in XXXX XXXX XXXX I received a statement with a balance of XXXX and immediately called them up to report fraudulent activities. The call center representatives have XXXX XXXX XXXX and I think every conversation with them was difficult, and I have been on the phone with them at least XXXX times. The next month I received a lesser statement but there was still charges on there that I was not responsible for. They also have the names of two individuals that apparently made the charges to an online vendor called Wayfair. They continued to call me and email me about making payments on these charges. I at XXXX point asked for the names they had where these items were sent. As I said XXXX XXXX XXXX but I wrote down XXXX XXXX and XXXX XXXX. The wayfair charges were eventually taken off and they sent me a statement {$800.00} plus dollars I'm sorry but I don't have the exact amount. So once again on the phone I asked for a description of the charges and as he read them off to me XXXX by XXXX I was able to tell him which were mine and which were fraudulent because what they had sent me did not list the charges on the statement. At this time on XX/XX/year> it was determined that I owed {$48.00}. I asked them to close the account pending the fraud investigation and I would go to my bank web sight and schedule the payment which I did. Unfortunately they continued to call me and email me about making payments on the account. Finally I received a call and spoke to someone from their executive branch that spoke fluent XXXX however he was unaware of the previous conversations I had over the phone about the charges. I have received another statement with no charge description of the fraudulent activity.

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 monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I have several unauthorized hard inquiries on my Transunion credit report that were not authorized to happen, i would like the following hard inquiries removed due to no authorization given for these hard inquiries : - XXXX XXXX  Inquiry date XXXX - XXXX XXXX Inquiry date : XX/XX/year> - XXXX  XXXX Inquiry date : XX/XX/year> - XXXX  Inquiry date : XX/XX/year> Following 15 U.S. Code Section 1681c-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 non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I have identified an unauthorized account on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX Opened XX/XX/year> Balance : {$0.00}

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 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX I received a call on my cell phone from a representative of XXXX XXXX XXXX, XXXX. They left a voicemail regarding a supposed debt. Shortly after, the same company contacted my brother, informing him that there is a pending civil case against me. 

In response, I called the company and spoke with a representative named XXXX. During the call, she claimed that there is a pending legal matter involving me and that they attempted to serve me 60 days ago. I informed her that I had contacted the XXXX XXXX XXXX XXXX 's office to verify this claim and was told there is no record of any such case. 

XXXX stated that the alleged debt dates back to XX/XX/XXXX. I explained that I do not believe this debt is mine. I also mentioned that I have received calls from this company in the past, during which I requested proof of the debt. However, they have never provided any documentation to substantiate their claims. 

I reiterated that I do not wish to receive further calls from their company and that, if this is truly a legal matter, it should proceed so that I can present my defense in court. XXXX responded by stating that she is not bound by credit laws requiring her to cease communication with me or my family because, according to her, this is now a legal matter. She further stated that they intend to garnish my wages and serve me at work, at home, and other places they have identified. 

This behavior is causing undue stress and confusion, and I believe it constitutes harassment and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I did manage to record the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NJ

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 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, u
nless 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 TRANSUNION 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 2024-12-03 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 XXXXXXXX EXPERIAN XXXXXXXX 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. 


XXXX EXPERIAN 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 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 2024-12-03 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: TN

Complaint narrative:
I am writing with a heavy heart to formally dispute inaccurate information that is being reported on my credit report. The following items are incorrect, and the stress they are causing is deeply affecting me. These errors are negatively impacting my credit score, and I feel helpless as I try to resolve this issue : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$XXXX} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Creditor type : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$XXXX} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status : Inaccurate INQUIRIES : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX disheartening to see that these items are either inaccurately reported or have already been resolved, yet they remain unresolved. I kindly ask that they be thoroughly investigated and corrected. Despite my efforts to reach out to the credit reporting agency and the data furnisher, the issue persists. I have attached supporting documentation and screenshots of my credit report to show the inaccuracies and to support my claim. I sincerely hope that this matter can be investigated as soon as possible, so my credit report can be updated to reflect the accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I responded to a XXXX XXXX from a former high school ( XXXX XXXX XXXX  XXXX ) acquaintance 'help ' sell off estate items from a friend that was moved to a care facility. I contacted via XXXX and decided to purchase a XXXX XXXX riding lawn mower for {$XXXX} ( paid XXXX ) and a {$XXXX} delivery fee ( paid XXXX ). We paid via Zelle to phone account XXXX under the name XXXX XXXX XXXX. XXXX was set for Monday XXXX. Never showed. We contacted XXXX XXXX XXXX and we were assured it would arrive later that day. At XXXX XXXX  we contact XXXX again and were told it would be delivered today XX/XX/XXXX by XXXX XXXX. No delivery and now XXXX is 'off line '. I did try calling the phone number and left a message XX/XX/XXXX. Got a call back later that evening from an irate man who XXXX heard of XXXX XXXX XXXX XXXX and knew nothing about a delivery. I believe his accent was XXXX but could be wrong. I was told not to call again. It's obvious that this was a scam all along. XXXX our bank, Zelle referred me to my bank and am filing a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-12-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-12-03 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: NC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and have identified fraudulent accounts and inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file : Fraudulent Accounts XXXX. XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} Fraudulent Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and have identified fraudulent accounts and inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file : Fraudulent Accounts XXXX. XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} Fraudulent Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Yes, credit bureaus do not report taxable income to credit bureaus : IRS doesn't report to credit bureaus The IRS does not report tax-related information or income to credit bureaus.

Credit bureaus stopped collecting salary information Credit bureaus stopped collecting salary information over 20 years ago because it was often inaccurate and self-reported.

Credit reports don't include income Credit reports do not include income, bank account balances, or investment account balances.

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how credit reporting agencies can collect, use, access, and share consumer credit bureau data. 
Credit Bureaus states that they do not report Taxable income. There are multiple accounts that has been reporting as XXXX XXXX. The companies that are reporting is XXXX XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. This has multiple violations. Partaking in such matter with these 18 US Code 894. 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non-repayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
I have recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies 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 ( insert date. Always add month and year ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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