vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-06-26 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: GA

Complaint narrative:
I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BANKERS HEALTHCARE GROUP LLC
State: WA

Complaint narrative:
I suspect that BHG has made attempts to reach out to employers in the market to inquire about my professionalism which may be damaging my employment opportunities. This needs to stop if they are engaging in such activity. There is no reasonable reliance. I need reasonable accommodations as a result of XXXX. I am working with XXXX on XXXXXXXX XXXX XXXX & a XXXX  account to avoid such problems in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was offered an XXXX on my Macy 's card to a Macy 's XXXX XXXX. I accepted the offer and did not receive a card. I called They said to wait XXXX billing cycles which I did and still never received a card. I called back and was told that after reading the notes the card would be sent and I was given a credit to my star rewards for my inconvenience. ( which didn't even post correctly so i couldn't even use it ) But I never received the card. I spoke to another associate XXXX weeks ago and was told I would get my card in XXXX days. And I still have not received it. I just called into customer service today to get help with this issue and the representative was very rude to me and spoke over me. I asked for a supervisor at which point he still did not want to transfer me to a supervisor. I demanded to be transferred. He placed me on hold and the call was disconnected. 


I just want to receive the Macy 's XXXX XXXX card that Macy 's approved and upgraded me to. 

The screenshot that I have included shows the XXXX logo on my account which was not there before they upgraded my 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 monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: NJ

Complaint narrative:
I had signed up for Tomo Boost/Credit to raise my credit score. They have not reported anything and I have not received any services from Tomo Credit. I have been trying to cancel the subscription for a year. Tomo continues to take {$8.00} a month from my account despite numerous emails requesting cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-26 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: VA

Complaint narrative:
I have recently reviewed my XXXX, XXXX XXXX, and EQUIFAX consumer report and see there are unauthorized inquiries and accounts reporting that I did not initiate nor did I benefit from any of them. The accounts listed on XXXX XXXX are fraudulent reporting from creditors XXXX  account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX XXXX date XX/XX/year>. 

The fraudulent accounts listed on EQUIFAX are XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX. Also on EQUIFAX is unauthorized hard inquiries from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The fraudulent accounts listed on XXXX are XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: PA

Complaint narrative:
My account with 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 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  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE BEEN REPORTING TO THE CREDIT BUREAUS THAT THERE IS A DEROGATORY ACCOUNT REPORTING ON MY CREDIT FILE THAT DOESNT BELONG TO ME. AFTER PULLING ALL THREE OF MY CREDIT REPORTS I NOTICED A XXXX  XXXX REPORTING ON MY REPORT THAT IS NOT MINE. I DISPUTED THIS AND THE CREDIT BUREAUS ARE VERIFYING THAT THIS ACCOUNT IS ACCURATE. I REQUESTED THEM TO SEND ME THE CASE INFORMATION I CONTACTED THE COURT AS WELL TO FIND OUT WHAT IS GOING ON BUT THE XXXX XXXX COURT SYSTEM HAS NO RECORD OF THIS CASE IN THEIR DOCKETS. 

I REQUESTED THE CASE FILES BEHIND THIS BANKRUPTCY BECAUSE THE COURT DOES NOT HAVE THIS IN THEIR DATABASE SO IM NOT UNDERSTANDING HOW THE CREDIT BUREAUS ARE VALIDATING THIS AND CONTINUOUSLY REPORTING THS ON MY CREDIT FILE. I XXXX THE INFORMATION AND A COMPANY NOT AFFILIATED WITH THE COURT SYSTEM SHOWS THE INFORMATION ON MY CREDIT FILE BUT HAVE NO SUPPORTING DOCUMENTATION OF THIS BANKRUPTCY CASE. THE CASE NUMBER THEY ARE REPORTING IS XXXX THIS IS'NT A CASE NUMBER THAT I AM ABLE TO LOCATE IN THE COURT SYSTEM. 

THE COMPANY NAME PULLS UP AS PUBLIC INFORMATION SERVICES WHICH IS A COMPANY THAT PROVIDES CONSULTING SERVICES IN CALIFORNIA. 
I HAVE NO AFFILIATION WITH THIS COMPANY AND I AM UNSURE HOW THEY WERE ABLE TO HAVE ACCESS TO MY PERSONAL INFORMATION AND CREDIT FILE. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER FCRA LAW. HOW ARE THE BUREAUS ABLE TO REPORT THIS TO MY CREDIT FILE WITHOUT PROPERLY VALIDATING WITH THE SOURCE.

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 2024-06-26 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: FL

Complaint narrative:
I HAVE BEEN REPORTING TO THE CREDIT BUREAUS THAT THERE IS A DEROGATORY ACCOUNT REPORTING ON MY CREDIT FILE THAT DOESNT BELONG TO ME. AFTER PULLING ALL THREE OF MY CREDIT REPORTS I NOTICED A XXXX XXXX REPORTING ON MY REPORT THAT IS NOT MINE. I DISPUTED THIS AND THE CREDIT BUREAUS ARE VERIFYING THAT THIS ACCOUNT IS ACCURATE. I REQUESTED THEM TO SEND ME THE CASE INFORMATION I CONTACTED THE COURT AS WELL TO FIND OUT WHAT IS GOING ON BUT THE XXXX XXXX COURT SYSTEM HAS NO RECORD OF THIS CASE IN THEIR DOCKETS. 

I REQUESTED THE CASE FILES BEHIND THIS BANKRUPTCY BECAUSE THE COURT DOES NOT HAVE THIS IN THEIR DATABASE SO IM NOT UNDERSTANDING HOW THE CREDIT BUREAUS ARE VALIDATING THIS AND CONTINUOUSLY REPORTING THS ON MY CREDIT FILE. I GOOGLED THE INFORMATION AND A COMPANY NOT AFFILIATED WITH THE COURT SYSTEM SHOWS THE INFORMATION ON MY CREDIT FILE BUT HAVE NO SUPPORTING DOCUMENTATION OF THIS BANKRUPTCY CASE. THE CASE NUMBER THEY ARE REPORTING IS XXXX THIS IS'NT A CASE NUMBER THAT I AM ABLE TO LOCATE IN THE COURT SYSTEM. 

THE COMPANY NAME PULLS UP AS PUBLIC INFORMATION SERVICES WHICH IS A COMPANY THAT PROVIDES CONSULTING SERVICES IN CALIFORNIA. 
I HAVE NO AFFILIATION WITH THIS COMPANY AND I AM UNSURE HOW THEY WERE ABLE TO HAVE ACCESS TO MY PERSONAL INFORMATION AND CREDIT FILE. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER FCRA LAW. HOW ARE THE BUREAUS ABLE TO REPORT THIS TO MY CREDIT FILE WITHOUT PROPERLY VALIDATING WITH THE SOURCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

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 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-26 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-26 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: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: OH

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 explanation