vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I don't know of the collections on my credit report from Midland Credit Management and requested to be send the debt validation letter to me. There are XXXX amounts : {$680.00} and {$810.00}. I am requesting the collections/chargeoff be taking off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: AL

Complaint narrative:
Dear Experian, I am writing to formally request the blocking and deletion of specific fraudulent items associated with my credit file. As a confirmed victim of the XXXX data breach, I have experienced unauthorized activity on my credit report, including fraudulent accounts and a fraudulent XXXX  XXXX bankruptcy filing. 

The following items were added to my credit report without my consent, and I request that they be blocked and permanently deleted under the Fair Credit Reporting Act, pursuant to 15 U.S.C. 1681c-2 ( a ) : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Fraudulent XXXX  XXXX Bankruptcy Filing These accounts and the bankruptcy filing were established without my consent following the XXXX XXXX XXXX. I request that they be removed from my credit file and blocked from any further reporting. 

Please confirm receipt of this request and provide written confirmation once these actions have been completed. I am available at the contact information listed above should you need any further documentation. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-12-09 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: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX 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 XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: PA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  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 XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On the morning of XX/XX/XXXX I woke up to a negative balance in bank from a charge from XXXX for XXXX. I checked my email and noticed an attemt at a second charge for XXXX, which was blocked. I immediately called my bank to dispute the charge for XXXX. I closed the card and filed a claim with Chase Banks fraud department. On XX/XX/XXXX I recieved a letter in my bank notifying me that they were denying my claim and would be reversing the money out of my account. I called Chase claims again and requested whatever they had so I could see for myself what happened. They sent me reservation details from booking.com. Someone created an email account from XXXX in my name and booked a XXXX night stay for XXXX people at the Hotel at the XXXX XXXX XXXX by XXXX in XXXX, NY. On XXXX XXXX I walked into my Chase Branch and spoke with a Banker who tried to help by calling Chase claims and speaking to a woman who basically told me that I need to contact Booking.com and figure it out. So I went home and have been getting a run- around with XXXX. I've been waiting about a week, at this point, to hear back. I've sent emails to Booking.com and made multiple phone calls. I still have not heard back from them. I also called the hotel to let them know what I'm dealing with to see if they could help. I was just notified by Chase Bank this morning ( XXXX ) that there is nothing Chase will do to help me because they think I made this transaction. I DID NOT AUTHORIZE THAT TRANSACTION. I don't know what else to do, other than take my banking elsewhere ( which is what I plan to do ) I just want this righted. Someone stole from me and my family and noone is helping me. I feel like they're allowing it. Please help. I even sent Chase a copy of my phone number from tmobile since the numbers from XXXX did not completely match my phone number. Please help. If there is anything else I can do or provide I am fully willing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
Fraud, i give noone concent to report anything no written consent. regulation of Federal Reserve notes ( currency ) by the Federal Reserve System. While they may not directly relate to your consumer rights, they establish the framework for the country 's monetary system. 12 USC 504a-m : These sections of Title 12 of the United States Code address various aspects of the regulation of banks and banking, including the Federal Deposit Insurance Corporation ( FDIC ) and banking operations. Violations of banking regulations, such as unauthorized disclosures of customer information or unfair lending practices, could potentially implicate these provisions... I am writing to file a formal complaint and to exercise my rights as a federal protected consumer regarding the disclosure of my personal information by certain entities. I hereby request that the following entities cease any and all unauthorized disclosures of my personal information, in accordance with the applicable laws and regulations : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX implements the Equal Credit Opportunity Act ( ECOA ) and prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance programs. Any discriminatory practices related to your credit accounts could violate this regulation. 12 USC 411 and 12 USC 412 : These statutes pertain to the issuance and regulation of Federal Reserve notes ( currency ) by the Federal Reserve System. While they may not directly relate to your consumer rights, they establish the framework for the country 's monetary system. 12 USC 504a-m : These sections of Title 12 of the United States Code address various aspects of the regulation of banks and banking, including the Federal Deposit Insurance Corporation ( FDIC ) and banking operations. Violations of banking regulations, such as unauthorized disclosures of customer information or unfair lending practices, could potentially implicate these provisions... I am writing to file a formal complaint and to exercise my rights as a federal protected consumer regarding the disclosure of my personal information by certain entities. I hereby request that the following entities cease any and all unauthorized disclosures of my personal information, in accordance with the applicable laws and regulations

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian 's 'response ; to the original complaint ( XXXX ) was not a true response. It described what a credit freeze is ( which I knew, as my complaint was that I could not request a credit freeze online ), it provided reasons one might request a credit freeze, and it suggested that I mail information to Experian that would have opened myself up to identify theft.

In short, the earlier response was no response at all, just a refusal to address the problem.

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 2024-12-09 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-09 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-09 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NC

Complaint narrative:
Today makes the XXXX time I couldnt make a online purchase with this company the other one was back in XXXX my card got declined several times during check out I called and informed them I could not make a purchase for a little over {$85.00} fidelity swore they wasnt blocking my card to where I couldnt use it but I know otherwise fidelity doesnt give straight answers and doesnt fix the issue which led me to filing a complaint. I just filed a complaint a few weeks ago about card issues Its because this company doesnt address anything They just told me they dont know why my account is suspended or etc I said either way Im not able to use the card and I dont want them to retaliate against me so this time I am looking for some answers this route either way my card should not be declining if I was in a serious situation, it would be a very sad thing this is for my account ending in XXXX I also finally called the other company and they told me that it is not on their end for my card not accepting the order also I have my account on paperless statements and every month this company still sends me out statements and the mail kicks back to my old address and gets returned to my old addresses causing my entire account to send me emails saying I have to call in to verify my information in order to use my account I have had a lot of issues/ concerns within the small about of time of having the fidelity rewards credit card to where its getting frustrating keep putting in complaints about the same stuff I also noticed they used to be a messaging system where you can send him a message online and I dont see it online anymore so I have to automatically call them all the time so thats very inconvenient to me as well as in this situation I couldve sent him some screenshots of what I was looking at for my decline card either way as of today my card is still not working. I also noticed when I call in this company asked me an extensive amount of verifying questions that takes a lot of energy and Im not sure why they have that going. Also, every time I use my username and password to log into their website, Im always asked to have a passcode get sent to me. They have a two-step verification enabled on my account which I do not prefer to use, but the problem is if I put my username and password in and didnt have another option for a security code to get sent to me. I will be locked out so I would like them to remove the security 2 step off my account that comes after I put my username and password in thank you

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 2024-12-09 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: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Genesis management DBA Columbia Debt Recovery are constantly pinging my credit. I do not know these companies and I didnt sign any paperwork with them. They have brought my credit down drastically. I would like for this account to be closed for FRAUDULENT and ILLEGAL activities.

Company response to consumer: Closed with non-monetary relief