vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-07-12 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:
have multiple fraudulent, unauthorized inquires on my credit report, Transunion shows 2 unauthorized inquires 1 ) XXXX XXXX XXXX inquired XX/XX/year> XXXX ) XXXX XXXX inquired XX/XX/year> as well. XXXX Shows 1 unauthorized inquiry for XXXX XXXX inquired on XX/XX/year>

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 2024-07-12 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: NY

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 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 non-monetary relief
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-12 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: IL

Complaint narrative:
My account withXXXX XXXX, XXXX XXXX XXXX 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, XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Goldman Sachs Apple Card received a payment for {$15000.00} from me when I contacted them saying that the money was sent by mistake and needed to be refunded to my bank account on file. However, they have repeatedly refused to refund that money saying I can use it for purchases from apple but I do not wish to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
I am writing after getting a copy of my most recent consumer report from the CRA 's dated XX/XX/year>. 

The reporting of the XXXX XXXX account showing a Late Payment is violating my Consumer Rights. Please see the attached credit report showing the late experience currently impacting my creditworthiness. 

Please note : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Simply put my PAYMENT TRANSACTIONS and/or EXPERIENCES should NOT be included on my XXXX or Transunion consumer reports.

I am NOT seeking remedy at this time. Willful continued neglect to respect my Consumer Rights will cause me to seek proper remedy. Please reverse your reporting of this late payment to show pays as agreed or OK to restore my credit profile to Exceptional status. 

This current reporting is directly affecting my credit worthiness, standing, personal characteristics and my ability to obtain credit. Please provide me with an updated report by mail at my address on file with the bureaus and XXXX XXXX. 

CC : XXXX and Transunion

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 2024-07-12 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: NY

Complaint narrative:
I am writing after getting a copy of my most recent consumer report from the CRA 's dated XX/XX/year>. 

The reporting of the XXXX XXXX account showing a Late Payment is violating my Consumer Rights. Please see the attached credit report showing the late experience currently impacting my creditworthiness. 

Please note : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Simply put my PAYMENT TRANSACTIONS and/or EXPERIENCES should NOT be included on my XXXX/Equifax or XXXX consumer reports.

I am NOT seeking remedy at this time. Willful continued neglect to respect my Consumer Rights will cause me to seek proper remedy. Please reverse your reporting of this late payment to show pays as agreed or OK to restore my credit profile to Exceptional status. 

This current reporting is directly affecting my credit worthiness, standing, personal characteristics and my ability to obtain credit. Please provide me with an updated report by mail at my address on file with the bureaus and XXXX XXXX. 

CC : Equifax and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a credit card application because I received a pre approval online wanting to fly united so I went on and applied for a united credit card from chase then I received a letter in the mail we need more information so contacted chase provided that information XX/XX/XXXX so application could be submitted but never got submitted then called again to follow up they said it was never submitted have to resubmit so its been over a month I am waiting for a status update on application. I receive a decline letter stating A prior credit card or deposit account was closed by Chase I said I need more of expiration as I had no collection or anythin negative on my credit and I have a checkin account with them with good funds in there they stated that I did wrong with a partner company I said please advise they said thats private information if there is somethin negative about me I should know that from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

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 2024-07-12 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: TX

Complaint narrative:
This complaint is not sent in error, it has been several sleepless nights for me worrying what will happen to me because my credit score got severely affected by these inaccurate and false information in my credit report. I am so stressed out right now that I decided to submit my complaint here. It will be a great help for me once all of the inaccuracies on my report gets corrected/removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
This complaint is not sent in error, it has been several sleepless nights for me worrying what will happen to me because my credit score got severely affected by these inaccurate and false information in my credit report. I am so stressed out right now that I decided to submit my complaint here. It will be a great help for me once all of the inaccuracies on my report gets corrected/removed.

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 2024-07-12 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: IL

Complaint narrative:
On XX/XX/XXXX I received a copy of my credit reports from TransUnion, XXXX, and XXXX. Those credit reports contained inaccurate information on my credit reports. I have reached out to each credit bureau asking requesting them to show me proof that the information on my credit reports are accurate and each time, they have failed to do so. I am becoming very frustrated with the response of these bureaus as I have mailed them proof of my identity and address and each time they have corresponded with only copies of my credit reports. The following information is incorrect on my credit reports from each credit bureau : XXXX XXXX XXXX reporting a late payment of 30 days, I was never late XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof The following inquires I did not authorize XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  TransUnion XX/XX/XXXX The inaccurate reporting on my credit profile are causing harm to me as a consumer. I have given TransUnion, XXXX, and XXXX plenty of time to respond to me and show me proof of where these debts and inquiries have originated from and they have not given me any such information. My rights as a consumer have been violated and I have the rights to take legal actions against them.

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 2024-07-12 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 explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I closed a Credit Card with Comenity Bank on XX/XX/2024. They verified via email that this account was closed with a XXXX balance. This was account they handle for XXXX XXXX. 

Comenity Bank has continued to bill me monthly for charges on this account. When I attempted to file a complaint with the XXXX of XXXX XXXX I explained my complaint and attached a .pdf copy of Comenity Banks ' correspondence from XX/XX/2024 confirming my account has been closed. I also attached a recent statement sent via email from Comenity indicating I owe them {$43.00}. I demanded that Comenity Bank stop charging me on a closed account. 

I received a response from the XXXX with the following information from Comenity Bank. " Your complaint has been reviewed and forwarded to the business. 

Please note that Comenity Bank is one of many businesses that do not share customer information with third parties, other than their direct customer. Their policy is to contact their customer ( s ) directly regarding issues about their accounts/ policies, etc., citing privacy concerns of confidential customer information. 

Comenity Bank will respond to you directly regarding your dispute issues. If you disagree with what Comenity Bank said, XXXX may be able to provide further assistance. '' Comenity Bank has not responded but instead immediately placed two records on my XXXX credit report. One indicating 60 days and one indicating 90 days late. I can only interpret this as being retaliatory for filing a complaint. 

I also sent Comentiy Bank another email following this action regarding this account along with the attachments mentioned in this report above. There has still been XXXX response. I also notified them that if this is not resolved I will be pursuing civil actions. The posting of multiple records on my credit report merely from an attempt to resolve an error is unacceptable. I am willing to pursue whatever actions are available to resolve this in court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.

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