vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: Experian Information Solutions Inc.
State: TX

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

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

I demand the late payment reported in those account to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports

Company 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 2024-08-29 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: DC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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 2024-08-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Theres an account on my Experian called XXXX XXXX XXXX XXXX  Acount # : XXXX for a balance of {$2000.00} with the original balance being {$2100.00} as said by Experian on my credit profile. This account is a problem account because Experian doesnt give me the option to dispute. This is not my account and should be deleted off my credit as soon as possible. Im going to upload a Massachusetts ID card and a Social Security card to help verify my identity. Please delete this account from my credit report because this should be there.

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 2024-08-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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 2024-08-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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 explanation
Consumer complaint received 2024-08-29 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: DC

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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: MO

Complaint narrative:
Hello, I received a prepaid card last year for {$200.00} after completing the steps for a rebate program with XXXX contacts. I moved soon after, and lost my prepaid card. I contacted " Customer Care '' before the card would have expired in XXXX. I was directed to Prepaid Digital Solutions and unable to receive the funds a different way. 

I located the card about XXXX weeks ago. It had been activated by the company prior to them sending it, as stated on a sticker on the front of the card. However, I hadn't used the card at all. I called the Customer Care line with XXXX on XX/XX/XXXX. I was transferred to a different department to handle my request for a replacement card. When the transfer went through, I spoke to someone that told me there was nothing they could do since the card had expired. I told him that I had contacted XXXX XXXX prior to the expiration of the card and I was told they did not handle this issue. The representative told me that there was no record of me contacting XXXX XXXX. He then went on to say that I should contact the company responsible for the funds. I asked him who I was speaking with, as I thought they were responsible for the funds. He refused to tell me the name of the company- only that they were called " Customer Care '' -- which is who I contacted in XX/XX/XXXX. 

I called the number for XXXX again, at this point concerned that I had given my personal information to an unknown company. The XXXX rep let me know that I had been speaking with someone from Prepaid Digital Solutions. 

Unfortunately, it seems like no one is responsible for addressing the funds on this prepaid card. I was directed to different departments and/or companies for almost an hour. I followed the steps for the rebate and contacted the company to try to fix the issue with my lost card prior to it's expiration. I am frustrated that no one has been interested in actual customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed a charge for {$120.00}, XXXX XXXX. I thought my USAA debit card had been compromised. I called USAA and reported the transaction as fraud. While on the phone with the fraud department at USAA, I realized the charge was my membership renewal and requested the complaint to be canceled. The agent I spoke to on the evening of XX/XX/XXXX, said she would annotate to cancel the request. Obviously it was not canceled and XXXX was infromed of the fraudalent charge. I called XXXX on XX/XX/XXXX, when I noticed that my membership had not been renewed. The agent I spoke to informed me that they received a fraudulent notice and issued a credit on XX/XX/XXXX. I informed her that I did not see that credit on my USAA account. She then proceeded to tell me that I needed to contact my bank. I called USAA and they informed that a credit had not been issued and I needed to contact XXXX. I called XXXX back and spoke to XXXX, he informed me that a reverse charge had been made on XX/XX/XXXX, to a XXXX XXXX XXXX  ending in XXXX. I informed him that I did not have a XXXX XXXX  and the charge was made to a USAA debit card ending in XXXX. He said it was an agent typo. But he said he would escalate my issue and get back to me. That evening he sent me an email that the credit had been issued and I needed to contact my bank. I want my {$120.00} owed from XXXX, they took the money ; therefore, they need to give it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: MI

Complaint narrative:
Got an email this morning from remilty which I never opened an account they tried several times to collect XXXX $ from my account I already had my back cancel my card, the merchant was XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX their bank XXXX  currency is XXXX, Was canceled for XXXX please I can not have this happen anymore please get them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: DE

Complaint narrative:
All Payments were withdrawn from my bank account every month and the loan ended XX/XX/XXXX but LoanMe is stating that owe over {$3000.00} and the loan matured on XX/XX/XXXX. 
XX/XX/XXXX I spoke with XXXX in their collections department and she stated that the loan was transfer to them XX/XX/XXXX and Accounting may not have posted all of my payments and she will put a note on my account. 
continued to get calls and I told the reps and I informed them that I need the dates of the missed payments. I have not received these dates so that I can show that the payments were made. 
XX/XX/XXXX I received a call from a collection agency ACH about the LoanMe account

Company response to consumer: Untimely response
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I am writing to file a complaint against Montgomery Ward regarding their recent, and in my opinion, unethical reduction of my credit limit.

I opened a credit account with Montgomery Ward around XXXX of XXXX. I was approved for a credit limit of $ XXXXSince then, I have consistently made payments, often exceeding the minimum, and have made a few purchases throughout the year. 
To my surprise, I recently discovered that my credit report had been negatively impacted. Upon investigation, I found that Montgomery Ward had reduced my credit limit to an amount below my outstanding balance, resulting in a significant increase in my credit utilization ratio.

I contacted Montgomery Ward customer service and was informed that they lowered my limit due to a lack of activity on my account. This explanation is both illogical and harmful. If my goal is to improve my credit score, it seems counterintuitive to penalize me for not spending more money.

Furthermore, I believe Montgomery Ward 's actions are unfair and deceptive. The company 's terms and conditions are vague and do not provide clear guidelines regarding credit limit changes. This lack of transparency has made it difficult for consumers to understand and anticipate such changes, leading to potential financial harm. 
LR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ABSOLUTE CREDIT  LLC
State: PA

Complaint narrative:
Absolute Credit has violated the FDCA as stated in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) which states that my credit reports serves as a medium of communication and is thus subject to cease and desist requirements. 

In addition, the document that they provided was just a statement. Nothing stating that I have a relationship with Absolute, a binding contract, purchase agreement and/or first date of delinquency. This proves nothing and is not a form of validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. XXXX payments were made the month XX/XX/year>. XXXX on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXXXXXX XXXX transaction list.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. XXXX payments were made the month XX/XX/year>. XXXX on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXXXXXX XXXX  transaction list.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/2023. XXXX on XX/XX/2023 and the other on XX/XX/2023 for the entire balance. However payment, didnt post to my credit card until XX/XX/2023, causing the 30 day late. Please see attached highlighted payment history from my XXXX XXXX transaction list.

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 2024-08-29 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: FL

Complaint narrative:
I received my credit report and noticed that, for the third time, a fraudulent account was still appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account XXXX : XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-29 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: MI

Complaint narrative:
I have reviewed my most recent credit report and Ive found inquires that I did not authorize. Ive already sent in a dispute, and filed a FTC Report. I have not applied for credit cards, loans, or requested any extension of credit from : XXXX XXXX Dated : XXXX ; XXXX XXXX Dated : XXXX ; or XXXX XXXX XXXX  XXXX. Dated : XXXX. These unauthorized and unverified inquiries are identity theft and must be deleted. I have attached the FTC Report and I.D . documents.

Company response to consumer: Closed with explanation