vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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 was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment to be updated.

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

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

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

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

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

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
I use Chime for many years now. So when I was able to work before my XXXX I used their XXXX  XXXX feature that lets you borrow money until your next payday. I was layed off from work on XX/XX/year> so they took money from that check to pay the XXXX XXXX I borrowed now they saying I still owe XXXX so I played a couple of online casino games to try and get a few dollars for me and my XXXX kids and I won XXXX so it was deposited to the Chime account and they took it to use toward the XXXX XXXX before consulting with me. I have put money in the account at stores and they have not taken it. I want my money back. Customer service was no help and rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: VA

Complaint narrative:
I received notification from credit bureaus on XX/XX/XXXX that new collection accounts were added. I contacted collection company Procollect on XX/XX/XXXX and was advised to contact the leasing office directly to confirm any information is possible. I did so the same day and gathered that person used my maiden name to try and obtain an application for an apartment but was denied and stopped payment on the application fee which is where the charge came from. I then filed an identity theft report and a police report on XX/XX/XXXX. I sent the reports along with a copy of my actual drivers license, mortgage statement, and utility bill to the email directed by customer service at Procollect. I tried to follow up on XX/XX/XXXX and XX/XX/XXXX via email and XX/XX/XXXX and XX/XX/XXXX via phone. When trying to contact by phone I am told my account can only be handled by a supervisor via email but I am getting no response through that email and they are refusing to let me speak to someone on the phone but I am getting emails from other people who are not from that account send me verification of account that is not even my information but wont allow me to dispute any other way.

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 2025-01-09 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-09 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NE

Complaint narrative:
TRANSUNION continues willful negligence and non-compliance with federal law in consistently reporting on a " transaction '' that is not a credit transaction. The dates begin from XX/XX/XXXX to the current XX/XX/XXXX. Several CFPB complaints have been filed and all to no avail. TRANSUNION HAS NOT PROVIDED ANY of the information requested in any of the formal complaints, yet still willfully reports false inaccurate information. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2025-01-09 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: MI

Complaint narrative:
elan financial services has a fraudulant charge in the amount of {$740.00}

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 2025-01-09 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: AZ

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that remain unresolved and demand immediate attention. Despite sending multiple written communications over XXXX days ago requesting validation of these items, I have received neither acknowledgment nor proper verification of these reported late payments, leaving me in a state of uncertainty and frustration regarding my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Zales Comenity Capital Bank I made a purchase on XX/XX/XXXX when I opened the credit card. On XX/XX/XXXX I called customer service because it had been a month and i had not received a card or statement. I found that i had already accumulated two fees and interest. A late fee had been applied on XXXX, just XXXX XXXX days after opening the account. I made a payment for my entire purchase charge and requested reversal of fees and interest. I was offered a partial late fee courtesy. A {$15.00} credit was applied. I covered the purchase made on the card within XXXX days of opening the account, yet had a statement balance of {$65.00} which i have since covered. I was never told that my due date would be due in less than one month from opening the account. 

XX/XX/XXXX {$65.00} payment XX/XX/XXXX {$2.00} paper statement fee XX/XX/XXXX {$4.00} finance charge XX/XX/XXXX - {$2.00} credit XX/XX/XXXX {$1400.00} payment XX/XX/XXXX - {$15.00} credit XX/XX/XXXX {$2.00} paper statement fee XX/XX/XXXX {$42.00} finance XX/XX/XXXX {$30.00} late fee XX/XX/XXXX {$1400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-09 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: NC

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 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 2025-01-09 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: NY

Complaint narrative:
I am writing to dispute inaccurate information that is listed on my credit report under my rights granted by the Fair Credit Reporting Act FCRA. I recently obtained a copy of my credit report and identified the following account that I believe are incorrect and should be removed. I am a victim of identity theft that has affected me. Recently, btw XXXX, I discovered that my personal information was used without my authorization to make unauthorized transactions. I did not give permission for anyone to use my identity, and I believe this activity constitutes identity theft. I have since taken steps to address the situation by filing for a police report and contacting the companies involved. I submitted the police report to these companies. Despite these efforts, the fraudulent activity has caused significant distress and inconvenience. This account is negatively affecting my credit score and do not reflect accurate information. I am requesting that these items be investigated and, if found to be inaccurate, be removed from my credit report. Please conduct a thorough investigation of these items and remove any information that can not be verified as accurate. I am also specifically requesting : XXXX. The name and contact information of the person or entity you interviewed during the verification process. 
XXXX. Any documentation or records that were used to verify the accuracy of the information in question. 

With all due respect I dont want the results to come back as verified because I do admitted I opened the account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) but along the road my information was exposed in a data breach and there was numerous fraudulent transactions which led my account to be closed. 

According to the FCRA, you are required to investigate my claim and respond within XXXX days of receiving this letter. Please inform me of the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute inaccurate information that is listed on my credit report under my rights granted by the Fair Credit Reporting Act FCRA. I recently obtained a copy of my credit report and identified the following account that I believe are incorrect and should be removed. I am a victim of identity theft that has affected me. Recently, btw XXXX, I discovered that my personal information was used without my authorization to make unauthorized transactions. I did not give permission for anyone to use my identity, and I believe this activity constitutes identity theft. I have since taken steps to address the situation by filing for a police report and contacting the companies involved. I submitted the police report to these companies. Despite these efforts, the fraudulent activity has caused significant distress and inconvenience. This account is negatively affecting my credit score and do not reflect accurate information. I am requesting that these items be investigated and, if found to be inaccurate, be removed from my credit report. Please conduct a thorough investigation of these items and remove any information that can not be verified as accurate. I am also specifically requesting : XXXX. The name and contact information of the person or entity you interviewed during the verification process. 
XXXX. Any documentation or records that were used to verify the accuracy of the information in question. 

With all due respect I dont want the results to come back as verified because I do admitted I opened the account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) but along the road my information was exposed in a data breach and there was numerous fraudulent transactions which led my account to be closed. 

According to the FCRA, you are required to investigate my claim and respond within XXXX  days of receiving this letter. Please inform me of the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief