vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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:
Experian was notified of adverse information on the consumers credit report via victim of XXXX XXXX self attestation by a registered XXXX. 

Experian has made the determination that my documentation was not valid. 
this is incorrect. 

XXXX accepted the same documentation the week of XX/XX/XXXX. 

Experian is currently causing seriously financial harm and commercial XXXX acts to me by reporting continuing to report adverse information. 

I demand the items listed in my private correspondence with experian be removed immediately. as we are now days past the 4 day time limit.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by TransUnion and XXXX on my XXXX  account ( Account # XXXX XXXX ). 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Installment - Account Status : Closed - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Account closed by consumer - Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX - Account Type : Installment - Account Status : Paid - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Credit line closed - consumer request - reported by subscriber. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct TransUnion and XXXX to remove the incorrect late payment information from my credit reports. As indicated by the " Current '' status and the fact that the account has been closed by consumer request with a XXXX balance, the reported late payments are erroneous. 

Please find attached copies of my credit reports from TransUnion and XXXX highlighting the discrepancies, along with any supporting documentation that may aid in resolving this issue. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-20 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: GA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX  Account number : XXXX Account balance : {$56000.00} DATE OPENXXXX Account term : 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 2024-05-20 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: GA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX  Account number : XXXX Account balance : {$56000.00} DATE OPEN:XXXX Account term : 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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This complaint is about the failure of the CFPB to perform their due diligence regarding complaint ID # XXXX The response provided by the creditor ( AMEX ) does not address or acknowledge that they contacted me to collect a payment on my American Express Gold card PRIOR to the payment due date and PRIOR to the development of a minimum payment amount due. 

When the creditor called me to collect a payment the account was NOT PAST DUE and did not have a payment due at the time of their call. I had PERFECT payment history prior to their abusive and insulting collection practice. 

The cardholder agreement establishes a payment due date. American Express breached this contract agreement when they called me and asked for me to make a payment on my account BEFORE a minimum payment was even due. Their response to the initial complain I filed only addresses their right to cancel the account, even if I pay on time and as agreed. Their response DOES NOT address the fact that they attempted to collect a payment from me before a payment became due according to the cardholder agreement. 

AMEX made up their own rules and decided to call me to collect a payment at their discretion. The purpose of a payment due date is to establish an agreed upon payment due date. AMEX BREACHED this agreement and therefore I stopped paying on the credit cards. They CFPB failed to listen to the calls from XXXX of 2023 and investigate the creditor for wrongdoing. I also was physically injured in XXXX of 2023 and am investigating if this creditor is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I bought a pair of XXXX sunglasses for the price of XXXX from Macys on XX/XX/2023 and I returned them on XX/XX/2023. I have the return receipt but the refund never posted to my Macys credit card. It has been 11 months since Ive been dealing with this matter. I have spoke to many people in the customer representative department and I have contacted there executive department. I have been told there is no record of my return transaction.

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 2024-05-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: MD

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
The XXXX XXXX collection account is a fraudulent account, know with JEFFERSON CAPITAL SYST collecting agency, and someone used my identity to open this account, without my permission. I've never had an account with XXXX XXXX, but I reached out to investigate this matter and to get some information from XXXX XXXX about this account and they could not locate an account in my name. This is a fraudulent account, and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: MD

Complaint narrative:
I did not consent to these Unauthorized Inquiries. 

XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX XXXX  Date of inquiry : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Requested validation and got none! 
Constantly updating on credit reports Multiple accounts being reported to credit report agency s repeatedly. 
{$670.00} {$290.00} {$200.00} Making it impossible to keep my credit up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: MD

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-20 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:
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with Transunion, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which XXXX has shared my NPPI. Transunion, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. My rights have also been violated in XXXX as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.

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 2024-05-20 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: GA

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, Equifax, and Equifax. Consumer reporting agencies are non-affiliated third parties with which XXXX has shared my NPPI. XXXX, Equifax, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. My rights have also been violated in XXXX as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which XXXX has shared my NPPI. XXXX, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. My rights have also been violated in XXXX as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I applied for a Navy Federal Credit Union platinum credit card. Which is known to be a consumer credit transaction in which I received no benefit. That is considered fraud. As mentioned in the Equal Credit Opportunity Act, any application is to be accept. This institution denied me due to my income. That is discrimination which makes it 2 violations of my right to credit. Stated in the act listed above, as well as the Truth In Lending Act. I reached out multiple times via phone, mail, and email. To request an approval for the credit card I applied for. In return I was told that they wasnt going to approve my request for extension of credit applied for. This has been very detrimental to my household. I have knot in my stomach. I lack sleep. My children were expecting what I promise they would have. I feel that my family has lost respect for me. I cant get my car fixed and because of that my child have to walk and sometimes catch a bus to and from school, in and thru a rough part of my community. This issue has gone on since XX/XX/year>, the day applied. Im hoping to hear from someone soon to get this matter resolved as quickly as possible. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING act. The list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and I did not receive the OPT-out notice at the time I created the account under 15 USC 6802. 

Unknown Account Name 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 US DEPT. OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a section 2. It also states a consider reporting agency can not furnish an account without my written permission.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) 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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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