vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
My account with creditors was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 those account 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.

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 XX/XX/XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
My account with creditors 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 those account 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.

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 2024-09-03 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-09-03 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-03 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: MN

Complaint narrative:
I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPB. On XXXX XXXX XXXX XXXX XXXX XXXX claims to have done a thorough investigation and verified the information on my account as accurate. The Date of First Delinquency ( XXXX  ), is clearly inaccurate showing I was 30 days late in XXXX as well as 30 days late in XXXX this is clearly not accurate even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXX  the account shows two different delinquency ( 30 days ), which is misleading and impossible. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated XXXX ' days delinquency suggests multiple DOFD, which is inaccurate since the date of first delinquency was listed as XXXX of XXXX. This ongoing inaccurate reporting constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: Self Financial Inc.
State: MN

Complaint narrative:
I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPB. On XXXX XXXX XXXX XXXX XXXX  Self/LEADBANK claims to have done a thorough investigation and verified the information on my account as accurate. The Date of First Delinquency ( XXXX  ), is clearly inaccurate showing I was 30 days late in XXXX as well as 30 days late in XXXX this is clearly not accurate even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the Self/LEADBANK account number XXXX XXXXXXXX the account shows two different delinquency ( 30 days ), which is misleading and impossible. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated XXXX ' days delinquency suggests multiple XXXX, which is inaccurate since the date of first delinquency was listed as XXXX XXXX XXXXXXXX. This ongoing inaccurate reporting constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Asked for copies of attempted transactions for police department. Advised I was not entitled as it was not my " credit ''. - my name my credit score. After card was cancelled, they continued to allow additional transactions to go through but kept telling me it was okay because I wasn't liable. I had changed my card number but because the card hadn't cancelled her as an auto biller, they gave her my new card number without my permission.

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 2024-09-03 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: VA

Complaint narrative:
Equifax knowingly generated false reports XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: NY

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 2024-09-03 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: NY

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX has reported negative information on my credit report during a XXXX XXXX XXXX XXXX which caused a XXXX point deduction to my credit score. XXXX XXXX  has continuously reported incorrect information to the Credit Bureaus even though the account is in XXXX XXXX. XXXX XXXX  is reporting to the Credit Bureaus that a " Credit Line '' has been increased. This is false and is not a line of credit but a XXXX XXXX and the only thing that should be reported is an increase in interest. XXXX XXXX  uses deceptive techniques to lure people into programs and does not use competent staff when applying for XXXX  Loans. I now have two XXXX  Loans with XXXX XXXX  due to the negligence and miscalculations of a Financial Aid Staff Member XXXX XXXX XXXXXXXX ). XXXX XXXX  has REFUSED numerous times to release final transcripts due to an unpaid XXXX XXXX XXXX. They have violated my Consumer Rights and I feel this situation needs to be remediated as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have few transactions from the XXXX XXXX payments deducted from my account in the amount of {$7400.00}. These payments from several months. It not showing on my XXXX XXXX statement that the amount was deductible from my checking account. I called XXXX XXXX and they told me to contact my bank because these several payments were not deductible from XXXX XXXX bank. I contacted my bank PNC they saw all my transactions and verified that these transactions are fraudulent and they have open the new account and disputed to the bank. But after few days they have send me the letter that they are denying my all disputes which are total XXXX disputes from XXXX XXXX. I went again to the bank and met with the XXXX XXXX XXXXXXXX showing the denial letter and showing all the transactions with XXXX XXXX bank payment history for several months. She have verified all the transactions and talked to the disputes department and refile my disputes. After a week I received another denial letter from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I applied for a personal loan to find out that a debt collector named Zion Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> - Invoice # : XXXX was collecting an outstanding debt from a company named XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone : XXXX. The person used the name XXXX XXXX instead of XXXX XXXX ; used the address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; used the phone number : ( XXXX ) XXXX ; and used the email address : XXXX. None of the information is my personal information nor my place of residence.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Name : 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 non-monetary relief
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Name : XXXX  - 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 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I asked for payment history from original creditor. I believe this is over 7 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC
State: MO

Complaint narrative:
I had an account that was closed with skopos financial years ago ( XX/XX/year> ) but for some reason it keeps popping up as if Ive been paying on it for the last 4 years & recently going into to repo when I havent had the car since XXXX of 2020. The account should be listed as charged of since then. But instead its acting as a zombie debt

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