vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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, 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 XXXX  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 XXXX  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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I noticed some unauthorized inquiries on my credit report this morning, and Im completely baffled by their appearance. When I checked my report as usual, these discrepancies showed up unexpectedly. I even tried refreshing my browser, thinking it might be a glitch, but they were still there. This situation is extremely frustrating, and I urge you to review the documents Ive submitted carefully so I can finally put this issue behind me.

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 2024-12-05 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Using my American Express card, I paid {$63.00} on XX/XX/year> for an upgrade on a flight for work. The original flight cost was paid by my employer, the upgrade was paid by me. I got XXXX and was unable to travel and cancelled the flight on XX/XX/year> ( the flight was scheduled for XX/XX/year> ). My company received the credit for the original airfare cost and I was told by American Express via chat that I would need to manually dispute the upgrade b/c upgrades don't automatically refund when a flight is cancelled. Seems ridiculous given that the flight was cancelled and my upgrade was for the flight that again, was cancelled, but I followed instructions. I disputed the charge via the app on XX/XX/year> ; however, when I selected that the flight was manually cancelled ( i.e., not automatically cancelled by the airline due to weather or something else ), I received a message that stated that American Express could not open the dispute at all because of restrictions with the XXXX XXXX XXXX regarding flights. This is BS because Regulation E disputes are allowed for all XXXX and XXXX transactions. There are no carveouts for XXXX. I have had numerous instances with American Express where they refuse to open a dispute and I ask to speak to a manager and suddenly, they will open the dispute and refund my money. I think American Express just refuses to open disputes and I would like the {$63.00} refund on the flight upgrade since I cancelled the flight that the upgrade was applicable to ( and my employer received credit back for the original flight ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX, account # XXXX * XXXX, account # XXXX * XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX  XXXX, account # XXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer XXXX credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer XXXX credit report maintained by Equifax showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : XXXX. FCRA 605B : Requires credit reporting agencies to block fraudulent information within XXXX business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud. 
XXXX. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX  now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$27000.00} **Inquiries** XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 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 2024-12-05 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX  now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$27000.00} **Inquiries** XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 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 2024-12-05 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: GA

Complaint narrative:
I would like to file a complaint against the XXXX bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the XXXX bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

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 2024-12-05 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I booked a ticket on XXXX XXXX for XXXX. The website crashed. When i went to book it again. They informed me, that the XXXX seats aren't available, and I have to purchase it again for XXXX. When I got the bill it showed both charges. I put the XXXX charge in dispute. I received a letter back from the credit card company since there wasn't a ticket. Printed for the XXXX, This is unfair business practice. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
American Credit Acceptance, DENIED me a auto loan again based on " INVALID '' and " INCORRECT '' information that XXXX continues to keep posted on my Credit Report,. The fact that American Credit Acceptance is a " 3rd party lender '' that works with individuals with bad and or poor credit speak volumes. The information that is being reported regarding my credit background history, -- is totally inaccurate.. 

I have filed previous CFPB complaints on each credit bureau ( OPENED ) and also XXXX attached the necessary documents, to prove " identity theft '', accounts " paid in full '', -- etc, this still does not make a difference. i.e. XXXX : XXXX XXXX and XXXX XXXX. Plus I have a FREEZE on all accounts, so who was American Credit Acceptance able to get my information without knowledge or approval to life the frees? 

***Is there anyway that I can bring a lawsuit against these reporting agencies, for years of mis-representing and reporting my actual credit history information? Enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
On XX/XX/year>, I contacted Way2Go customer service at XXXX to inquire about one-time transfers initiated via the Way2Go website ( https : //www.goprogram.com/ ) that were not being processed. Each time I attempted a one-time transfer, the funds were returned to my Way2Go account without being transferred.

The Way2Go representative informed me that these transfers were flagged as fraudulent but could not explain why. To enable transfers to an external bank account, I was instructed to send the following sensitive information via email to XXXX : 1. Front and back photos of a government-issued ID, 2. A bank statement for the external bank account, and 3. A written statement from the external financial institution confirming my ownership of the account. 

I expressed concerns about the security of sending sensitive financial information via email, as this is an inherently insecure method of transmission. Unfortunately, the representative did not offer an alternative secure method, such as an encrypted portal, fax, or mail, for verifying external bank accounts. 

Moreover, Way2Go does not provide documentation or clear instructions on its website or elsewhere regarding the process for verifying external bank accounts. This lack of transparency and failure to provide secure options for transmitting confidential information are unacceptable.

I am lodging a formal complaint against Way2Go for : 1. Failing to offer a secure method for transferring sensitive financial information, and 2. Not providing clear documentation or guidelines for verifying external bank accounts.

I demand that Way2Go promptly : 1. Implement secure alternatives for transmitting sensitive information, such as an encrypted website or other secure methods, and 2. Provide clear, accessible instructions for the account verification process. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I do not have an account with your company. Any inquiries have been unauthirized. 

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 

I am writing to dispute the inquiries and ask for their removal from my credit report because I did not request them. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Westlake Services, LLC
State: GA

Complaint narrative:
I do not have an account with your company. Any inquiries have been unauthirized. 

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 

I am writing to dispute the inquiries and ask for their removal from my credit report because I did not request them. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE SEE THE ATTACHMENT DOCUMENTS FOR THE FOLLOWING ACCOUNTS. DELETE ASAP, WITH 5 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MI

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation