vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: IL

Complaint narrative:
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 the following unauthorized accounts and inquiries : Collection/Charge Off 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 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 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 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 2024-10-16 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: TX

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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 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 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!

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 2024-10-16 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: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX 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 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!

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
1.Caine and Weiner opened XXXX XXXX for XXXX I do not recognize this account or have no knowledge of this account. 
As well as another account with Caine and Weiner opened XX/XX/year> for XXXX that i have no Knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-16 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: TX

Complaint narrative:
I am filing a formal complaint regarding several inaccuracies on my Equifax credit report, which are having a negative impact on my credit score. I have disputed these errors directly with Equifax and attached my dispute letter for reference, but no corrective action has been taken. Specifically, the following items need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is inaccurately reported as a charged-off account with a balance of {$5400.00}. I do not recognize this charge-off or the balance, and I am requesting that it be verified or removed in accordance with the Fair Credit Reporting Act ( FCRA ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is incorrectly listed as a charged-off account with a {$0.00} balance. This account was settled in full, and the charge-off status is inaccurate and misleading. I request that this charge-off be removed as it is not a valid reflection of the accounts status ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is listed as charged-off with a balance of {$600.00}. This designation is neither accurate nor verifiable, and per the FCRAs standards, I demand that this be removed from my report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as closed by the credit grantor, though this closure was not initiated by me. The closure inaccurately portrays my creditworthiness, and I request that it be corrected to show that the account was closed at my request or removed entirely ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is marked as closed by the credit grantor due to inactivity, not due to delinquency. This closure should not negatively impact my credit profile, and I request that Equifax remove or correct this misleading entry ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is also listed as closed by the credit grantor, though this was not due to any negative activity on my part. The current reporting unfairly impacts my credit score, and I request that it be updated or removed in compliance with the FCRA. Despite my efforts to resolve these issues directly with Equifax, no verification or corrective action has been provided, and these erroneous entries remain on my credit report. I am requesting the CFPBs intervention to ensure that Equifax adheres to the FCRAs requirements for maintaining accurate and verifiable information. Please investigate these items and take the necessary steps to correct or remove them. I have attached my formal dispute letter for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-16 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: IL

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 2024-10-16 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: WI

Complaint narrative:
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 the following unauthorized accounts and inquiries : + collection/charge off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-16 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: TN

Complaint narrative:
I have previously sent in information from the ftc and my police report of this account through XXXX. I have given this company multiple times to prove to me that this is my account. I asked if they had a copy of my identification, a signature, or even a consent form signed by me to prove that this was my debt. On all accounts, all I receive from XXXX XXXX, and Transunion is that it is verified. I have not received any proof and all of the credit companies say that this is verified. I have not received anything from anyone to prove different as well as they have taken over 30 days to respond several times. this last round of letters that I sent was confirmed to be received by them on XX/XX/XXXX and I received correspondence from the Bureaus that says that they need another 30 days. Also, I received letters stating that they could not locate the account in question but couldn't. Then the same day they sent a letter stating that they needed more time. I feel like these bureaus are dragging their feet. Also, I have not received one shred of evidence that this account belongs to me. No Identification, no signed agreement, and no proof ( When a consumer disputes an item on their credit report, the credit reporting agency must investigate the claim. If the consumer provides proof of the inaccuracysuch as payment records, court documents, or other relevant informationthe agency is required to review this evidence during their investigation. If the information is found to be inaccurate, it must be corrected or removed.

In summary, proof relates to the documentation necessary to substantiate a claim regarding errors or inaccuracies in credit reporting ) from the creditor.The Fair Credit Reporting Act ( FCRA ) is codified in Title 15 of the United States Code, specifically sections 1681 to 1681x. I would like for this account to be deleted from my credit history.

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 2024-10-16 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: TN

Complaint narrative:
I have previously sent in information from the ftc and my police report of this account through XXXX. I have given this company multiple times to prove to me that this is my account. I asked if they had a copy of my identification, a signature, or even a consent form signed by me to prove that this was my debt. On all accounts, all I receive from XXXX Equifax, and XXXX is that it is verified. I have not received any proof and all of the credit companies say that this is verified. I have not received anything from anyone to prove different as well as they have taken over 30 days to respond several times. this last round of letters that I sent was confirmed to be received by them on XX/XX/XXXX and I received correspondence from the Bureaus that says that they need another 30 days. Also, I received letters stating that they could not locate the account in question but couldn't. Then the same day they sent a letter stating that they needed more time. I feel like these bureaus are dragging their feet. Also, I have not received one shred of evidence that this account belongs to me. No Identification, no signed agreement, and no proof ( When a consumer disputes an item on their credit report, the credit reporting agency must investigate the claim. If the consumer provides proof of the inaccuracysuch as payment records, court documents, or other relevant informationthe agency is required to review this evidence during their investigation. If the information is found to be inaccurate, it must be corrected or removed.

In summary, proof relates to the documentation necessary to substantiate a claim regarding errors or inaccuracies in credit reporting ) from the creditor.The Fair Credit Reporting Act ( FCRA ) is codified in Title 15 of the United States Code, specifically sections 1681 to 1681x. I would like for this account to be deleted from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TN

Complaint narrative:
I have previously sent in information from the ftc and my police report of this account through XXXX. I have given this company multiple times to prove to me that this is my account. I asked if they had a copy of my identification, a signature, or even a consent form signed by me to prove that this was my debt. On all accounts, all I receive from Experian XXXX, and XXXX is that it is verified. I have not received any proof and all of the credit companies say that this is verified. I have not received anything from anyone to prove different as well as they have taken over 30 days to respond several times. this last round of letters that I sent was confirmed to be received by them on XX/XX/XXXX and I received correspondence from the Bureaus that says that they need another 30 days. Also, I received letters stating that they could not locate the account in question but couldn't. Then the same day they sent a letter stating that they needed more time. I feel like these bureaus are dragging their feet. Also, I have not received one shred of evidence that this account belongs to me. No Identification, no signed agreement, and no proof ( When a consumer disputes an item on their credit report, the credit reporting agency must investigate the claim. If the consumer provides proof of the inaccuracysuch as payment records, court documents, or other relevant informationthe agency is required to review this evidence during their investigation. If the information is found to be inaccurate, it must be corrected or removed. 

In summary, proof relates to the documentation necessary to substantiate a claim regarding errors or inaccuracies in credit reporting ) from the creditor.The Fair Credit Reporting Act ( FCRA ) is codified in Title 15 of the United States Code, specifically sections 1681 to 1681x. I would like for this account to be deleted from my credit history.

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 2024-10-16 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: AL

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 2024-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In a nutshell, Bank of America 's Premium Award Visa credit card ( " Credit Card '' ) is improperly denying consumer credit-card disputes by limiting categories of supporting documentation it will accept on its dispute portal. 

I had purchased something on the Credit Card that did not work at all as advertised. I had documented how this did not work via a video on my phone. Because of the type of product that did not work, only a video ( not photos ) sufficed to show how the product didn't work. I then disputed the charge with Bank of America around XX/XX/year>. 

Upon disputing the charge, Bank of America 's portal asked for supporting documentation, but it did not support video files. The size of the video also was too large for Bank of America 's portal, so even if its portal supported video files, the videos would not have been able to upload. 

I wrote a letter to Bank of America explaining the above and asked Bank of America to provide some alternative way for me to get the videos to Bank of America showing that the item did not work. Bank of America responded with a boiler-plate letter saying it needed supporting documentation, but this letter was generalized and did not address my specific issue of not being able to upload videos. 

I then wrote another letter to Bank of America stating that I have evidence in the form of videos, want to provide it, and asked how to get them the videos. In response, Bank of America denied my claim, citing a lack of supporting documentation. 

This is clearly wrong to do to consumers. Bank of America 's portal to upload documentation is extremely limited and outdated, accepting only certain file types and having a very small size limit. This gives Bank of America an easy out to improperly deny disputed claims.

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