vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my XXXX XXXX a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2024, I opened a new " SKYPASS Visa XXXX XXXX XXXX '' to earn an opening bonus of XXXX XXXX XXXX miles after spending {$5000.00}. By XXXX, I had spent over {$5000.00} and confirmed with an agent on XX/XX/XXXX that I had met the requirements for the bonus. 

However, as of XX/XX/XXXX, I still hadn't received the XXXX miles. When I called US Bank, the agent informed me that in XXXX, a new term was added : " Existing or previous SKYPASS Visa Signature XXXX  cardmembers are not eligible if you have received a new account bonus for this product in the last XXXX years. '' As a result, I was told I am not eligible for the bonus. 

This new term was introduced after I opened the card, and US Bank did not notify me of the policy change, leaving me unaware of it. I had already spent over {$5000.00} based on the original terms. 

This situation is unfair since the terms were changed after I opened the credit card, and I was not informed of this change. 

For reference, you can check the term changes at the following link XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: CO

Complaint narrative:
There is a collection being reported on my credit report byt XXXX XXXX XXXX that is inaccurate. I have contacted all three bureaus twice and still have not received the documentation that I requested. I have also contacted the Creditor and have not received verification of this debt. This is an inaccurate debt that was originally reported by XXXX XXXX XXXX XXXX where I never lived. I have also tried to contact XXXX XXXX XXXX and they can not help me.

Please see the attached documents of letters I have sent to the credit bureaus as well as a letter I sent to XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : TransUnion : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported XXXX : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported Unknown Condition XXXX : XXXX XXXX XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition I have been working on this resolution since XXXX and it is having a severe negative impact on my life. THIS 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 2024-08-26 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: CO

Complaint narrative:
There is a collection being reported on my credit report byt XXXX XXXX XXXX that is inaccurate. I have contacted all three bureaus twice and still have not received the documentation that I requested. I have also contacted the Creditor and have not received verification of this debt. This is an inaccurate debt that was originally reported by XXXX XXXX XXXX XXXX where I never lived. I have also tried to contact XXXX XXXX XXXX and they can not help me. 

Please see the attached documents of letters I have sent to the credit bureaus as well as a letter I sent to XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported XXXX : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Unknown Condition Experian : XXXX XXXX XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition I have been working on this resolution since XXXX and it is having a severe negative impact on my life. THIS 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
CREDIT INQUIRY AND CREDIT NOT PROVIDED. 
REMOVAL OF CREDIT INQUIRY US BANK

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 2024-08-26 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: FL

Complaint narrative:
My account with 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 60 days 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.

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 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 2024-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Set up autopayments with my new bank account in XXXX of this year, only for XXXX and XXXX payment cycles to not be processed and thus marked as delinquent pr past due. My bank account on file had more than enough funds to complete both payments meanwhile Midland Credit Management did not make any attempts to collect either payment as refelected by my bank statements. I would expect at least an attempt to process the autopayments and if declined I would understand, but as stated the bank account on file had the adequate funds and yet was never charged. 

Upon speaking with " XXXX XXXX '' I was made aware that this was due to an accounting error on their end where my bank account was allegedly " not found. '' Later was connected to his manager who chalked it up to a " technical issue on our end. '' I did add a new debit card to bring the account current but now have no piece of mind or reassurance if this same issue will not happen again. Both the phone agent and manager verbally stated that the collection history from Midland Credit Management would be removed from my credit history after it is satisfied, however when asked to provide a XXXX XXXX both thr agent and manager claimed no such document could be provided. Basically Im supposed to have XXXX faith in them when Midland Credit Management can not even process my auto payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: CO

Complaint narrative:
There is a collection being reported on my credit report byt XXXX XXXX XXXX that is inaccurate. I have contacted all three bureaus twice and still have not received the documentation that I requested. I have also contacted the Creditor and have not received verification of this debt. This is an inaccurate debt that was originally reported by XXXX XXXX XXXX XXXX, where I never lived. I have also tried to contact XXXX XXXX XXXX and they can not help me.

Please see the attached documents of letters I have sent to the credit bureaus as well as a letter I sent to XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be
verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX : XXXX XXXX {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Equifax : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported Unknown Condition XXXX : XXXX XXXX XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition I have been working on this resolution since XXXX and it is having a severe negative impact on my life. THIS IS INACCURATE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Experian Credit Reporting Companys Handling of Credit Disputes Dear Sir/Madam , I am filing a formal complaint against Experian Credit Reporting Company for failing to appropriately validate and resolve disputes I filed regarding several items on my credit report. 

Disputes Filed : XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX Despite my efforts to resolve these issues, Experian did not take the necessary steps to safeguard my credit report by appropriately validating these debts. Additionally, they did not provide me with the information used to validate these debts, which is my right under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

As a result of Experians mishandling of these disputes, these negative items are still being reported on my credit report. This has defamed my character and caused me to pay higher than normal interest rates due to the ongoing negative 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CREDIT INQUIRY AND CREDIT NOT PROVIDED. 
REMOVAL OF CREDIT INQUIRY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CREDIT INQUIRY AND CREDIT NOT PROVIDED. 
REMOVAL OF CREDIT INQUIRY 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 2024-08-26 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: LA

Complaint narrative:
I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over XXXX days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date, last active and is unverifiable. XXXXExperian failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.

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 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: TN

Complaint narrative:
I received a summons to appear in court on XX/XX/year> at XXXX for an XXXX XXXX Credit Card bill that I owed in the amount of {$2200.00} I showed up but was told that court would not be in session that day. The clerk said that I would be notified of the next session but I never was. A few days ago I received a notice from XXXX XXXX saying that they would be taking the money out of my account on XX/XX/year>. I did not get to have my day in court and it was not my fault. The law firm handling the case is Zwicker & Associates XXXX XXXX XXXX  XXXX XXXX XXXX TN XXXX Phone XXXX Attorney XXXX XXXX. My Bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
My account with 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 60 days 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.

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 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 2024-08-26 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:
I am writing to formally dispute an account that has been incorrectly reported on my credit report. The account in question is associated with XXXX XXXX, but it is not mine, nor have I ever opened or authorized such an account. 

After reviewing my credit reports, I discovered that this account was placed on my reports with all three major credit bureaus. I have successfully disputed this with XXXX, several times, and they have removed the account from my report. However, it remains on my reports with your bureau, [ TransUnion/XXXX ] . 

Details of the Disputed Account is attached in the document portion of this complaint. 


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 non-monetary relief
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I checked my credit report this morning, I was shocked and disappointed to find unauthorized inquiries that I can't explain. Ive always trusted my routine checks, but this time there were alarming discrepancies. I even tried refreshing my browser, but it wasnt just a glitchthe inquiries stayed. I need the documents I've sent to be reviewed closely to prevent this from happening again, so I can finally stop worrying.

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 2024-08-26 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - Navy FCU. Opened XX/XX/XXXX Balance : {$21000.00} XXXX XXXX & XXXX. Opened XX/XX/XXXX Balance : {$20000.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00} appears to be inaccurate and unverifiable. 
Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section XXXX ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the XXXX XXXX XXXX must remove the disputed information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief