vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: IN

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 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! 


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 2024-10-28 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: IN

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 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! 


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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My account has been frozen for a month now. I have funds in the account but can not access them. I signed up for another bank and found out Im on early warning systems because of XXXX XXXX. My account, even though frozen has no negative balance and has never been negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MA

Complaint narrative:
I found out that someone applied for XXXX credit cards in my name. I was advised to freeze my credit report. Experian makes this impossible to achieve online. Their system repeatedly rejects online requests and directs you to call them. Then their answering system refuses to let you talk to anyone ( it literally says that it can only allow you to speak with a representative in limited circumstances and hangs up on you ). To freeze my credit report so that people can not apply for more cards in my name I literally have to send them private information like a copy of my drivers license and a bill by mail. I can't get through to them any other way. I feel they are deliberately making this difficult because they want companies to use their service so they can charge fees. 

For reference, I was able to freeze my credit report with XXXX XXXX and XXXX in about XXXX minutes. With Experian, I spent several hours on their website and on the phone. Each time the system simply routed me to dead end where I could not accomplish the task or get any sort of meaningful help.

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 2024-10-28 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: PA

Complaint narrative:
I need to emphasize that this issue is not a simple mistake. The inaccuracies on my credit report have been deeply troubling and continue to negatively impact my life in ways that are hard to describe. These are difficult times, and the stress from these errors is overwhelming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MS

Complaint narrative:
I have been trying to remove multiple fraudulent accounts off my credit report since XX/XX/year> and I have made multiple police reports and ftc reports and they have not removed are blocked the information yet I have provided my documents verify my identity and still the fraudulent accounts are still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, opened XX/XX/XXXX, XXXX. {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Advanced Resolution Services Inc.
State: AL

Complaint narrative:
I just received another letter from ADVANCED RESOLUTION SERVICES. This credit reporting agency has refused to place a security freeze on my personal information in their files. This is in response to a 2nd written request ( copies included ) I have made via USPS certified mail return receipt. This 2nd letter from ADVANCED RESOLUTION SERVICES makes reference to a bogus dispute. It does not address, nor even mention my request to place a security freeze on my information. I included a copy of my social security card and a copy of my government-issued ID. In light of this 2nd letter from ADVANCED RESOLUTION SERVICES, I am even more concerned about unauthorized access to my personal information. For the third time, I would like a security freeze placed to prevent potential creditors from obtaining my personal information without my authorization. Please be advised, I prefer to conduct business with ADVANCED RESOLUTION SERVICES in writing. As they appear to be corrupt and shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
After examining my latest credit report, I noticed several accounts that appear to have been added without authorization and seem inaccurate. I ask for these fraudulent accounts to be blocked and removed right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDICO. INC
State: SD

Complaint narrative:
On XX/XX/XXXX, I sent XXXX formal letters to the Credit Collection Bureau, requesting validation of the alleged debt. These letters also requested any documentation indicating their authorization to collect on the debt in question, and XXXX of the letters served as a cease-and-desist notice. However, they did not comply with the cease-and-desist request and subsequently filed a judgment against me, which, to the best of my recollection, was dated XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter, dated the same, stating that they intended to seize my personal property if I failed to contact them and arrange payment. This letter arrived on XX/XX/XXXX. On XX/XX/XXXX, at XXXX AM, I placed a phone call to the Credit Collection Bureau, which was terminated when I informed them the call was being recorded. Later that same day, a sheriff visited my residence, inquiring about how I intended to resolve the outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: WI

Complaint narrative:
Today, XX/XX/year>, I received a letter from Experian regarding report # XXXX stating that I requested a permanent removal of my security freeze. I made no such request. I tried to contact experian at ( XXXX ) XXXX but their automated answering system would not transfer me to a real person. Instead, it kept making inappropriate recommendations. This is unacceptable.

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 2024-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
There was an outstanding bill, i was infomred fro XXXX! Wife and i never was informed this this Collection company " XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Tele ( XXXX ) XXXX XXXX. My wife handled this transaction, the debt was a settlted amount from XXXX and settled at XXXX or so dollars. My wife asked XXXX sperate occasssion of this conversation of the paid agreement that the debt would not, l be placed on my credit as part of the agreement the agent agreed and applied with the settlement. I ordeerd and credit report this XX/XX/XXXX. I called said Company " Credit Collections '' when i explained to the First Customer Service agent about the agreement she indicated that they dont make those type of agreements, but she would file a claim for the supervisior to investigage. I called the Next day the supersior says that company doesnt negiotiate, credit file removals. I request the hear the file i was informed that i would have to file a subponea. file number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: AL

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 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 2024-10-28 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: NJ

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 XXXX party. They in fact did not come from a XXXX 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 2024-10-28 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-28 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: MI

Complaint narrative:
Request for Correction of Credit Report and Account Status Date : XX/XX/year> To : XXXX XXXX Customer Service XXXX XXXX XXXX Customer Service : Reference Number : XXXX Experian, XXXX, and XXXX Subject : Request for Correction of Credit Report and Account Status Due to Erroneous Charge Dear Customer Service Representatives at XXXX  XXXX, XXXX XXXX XXXX  and the Credit Bureaus, I am writing to request a correction of my credit report and account status following an unintended impact on my XXXX XXXX XXXX account, resulting from a charge made by XXXXXXXX XXXX XXXX. This charge, which was made in error, was subsequently reversed by XXXX 's XXXX. However, due to this transaction, my account was marked as exceeding its credit limit, which has negatively impacted my credit score and report. I would like to ensure that all records accurately reflect the resolution of this matter. 


Transaction Details On XX/XX/year>, my XXXX  XXXX XXXX credit card was charged {$50.00} by XXXXXXXX XXXX XXXX. Realizing that this charge was not intended, I promptly contacted XXXX 's XXXX to reverse it. XXXX 's XXXX processed a full reversal of {$50.00} on XX/XX/year>. Despite this reversal, XXXX XXXX reported my account as exceeding the credit limit, resulting in an XXXX decrease in my FICO score, which is now reflected in my credit report with Experian, XXXX, and 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 2024-10-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is refusing to remove fraudulent inquiries from my personal consumer report. Despite submitting all necessary documents, they have claimed multiple times that the documents were illegible, which is not true. On XX/XX/year>, I received a letter from Equifax stating the documents were illegible, but in the same letter, they mentioned that they had forwarded these same documents to the creditors. This inconsistency suggests that they are mishandling my case, as they are claiming the documents are illegible while also processing them. I have followed all proper procedures, including submitting a police report for identity theft, yet Equifax continues to fail in removing the fraudulent inquiries. This has caused unnecessary delays and distress, and they are not following the requirements under the Fair Credit Reporting Act ( FCRA ) to address these issues in a timely manner. 

I have filed a police report against Equifax and submitted it to the courts for a civil suit. This is in response to their ongoing failure to remove fraudulent inquiries from my consumer report and their mishandling of the documents I submitted. I expect immediate action to resolve these issues and prevent further legal escalation.

Company response to consumer: Closed with non-monetary relief