vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: WI

Complaint narrative:
My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/year>, XX/XX/year> 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. 

This company 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 2024-08-19 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:
I'm writing to share my concerns about some issues I've noticed with the credit bureau. These include wrong accounts listed under my name, incorrect credit reporting, incorrect addresses, billing mistakes, and accounts that aren't mine.

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 2024-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX Medical Data Systems I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Dear Medical Data Systems I, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX XXXX bill in the amount of {$3900.00} that was discussed on XX/XX/year>. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Saturday XX/XX/24 I went to lift my credit freeze with Experian. 

I was not able to do this online although I repeatedly filled out the online information requested. 

I saw the following on their website : Choose another way to verify your identity and freeze your credit report : Contact by phone SCHEDULE Monday - Friday XXXX - XXXX CST An Experian representative can verify your identity by phone, then process your freeze. 

( XXXX ) XXXX I called on Monday XX/XX/24, was able to reset my password but was not able to speak with a real person. 

I still can not unfeeze my credit. I was able to do this easily with XXXX and XXXX. 

This should be able to be done easily as this is mandated by law. I will now attempt this via mail or upload but I don't know how long this will take.

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 2024-08-19 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: NJ

Complaint narrative:
I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to 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
Consumer complaint received 2024-08-19 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-19 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: WI

Complaint narrative:
My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 LATE 30 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. 

This company 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 2024-08-19 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: WI

Complaint narrative:
My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 LATE 30 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. 

This company 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 2024-08-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't associate with the listed creditors, and these inquiries are not mine.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
For two days Ive tried to unfreeze my account. First day on hold for XXXX minutes and having to press # XXXX on the phone every XXXX seconds. This action stopped you from doing any other kind of work while you're waiting on hold. 
No answer so I opted to press # XXXX for a call back, no call back for over XXXX hours. 

Second attempt today, same thing, have been on hold for XXXX minutes pressing # XXXX on the phone to remain on hold. No answer. I see this punishment of pressing # XXXX will work for many who are at work trying to unfreeze their credit 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 2024-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I attempted to make a payment plan and the deb collector representative was rude and belligerent when I asked to make a payment plan. In a threatening manner he said and I quote you can make payment plans however by the XXXX of this month you have to pay the total amount. I tried to explain to him that I did not have the entire amount and he said that of I dont pay he will send my account to the credit bureau . If I am attempting to pay what I owe why be so rude and threatening to people. I am not saying I will not pay what I owe am just in a situation that I am not able to pay it all at this time. People with that attitude and unprofessional should not be working with the public. Specially when I spoke to the manager of XXXX XXXX and she stated I am able to make a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Account isn't mines. I never dealt with this company. Also can you show me my signature or a letter of validation for this account

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 2024-08-19 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: Kriya Capital, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX ; I have had XXXX as my mobile number for about XXXX years. I do not know nor have I have been associated with someone named XXXX. HOWEVER, the debt collector -- Credence Resource Management -- has continued to call me for the past XXXX YEARS!!! I have informed the callers every time that they are calling a wrong number and have demanded that they not call me again. 

My number is on the XXXX list. 

There is absolutely no reason for this debt collector to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I opened a checking account in XX/XX/2023 with frost bank. After a few months I started to notice the overdrafting fees. I had spoken with customer service on several occasions and I will say there were a few fees that were taken off due to timing of deposits I believe. However I vigeally remember asking to be taken of overdraft on several occasions. And if I remember clearly they said I would need to wait and call back then to be taken off..? Not sure but next thing I know I've got over XXXX XXXX dollars in overdraft fees. Thinking in the interest of me the customer, after XXXX XXXX you would assume they would have canceled or done something to help me not get that high on fees. But nothing was done. I had since lost my job and was unable to pay those fees, was offered no help and they closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-19 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I would respectfully ask that these accounts be removed immediately. For they are reporting inaccurately and they are damaging my reputation. I have been denied for loans and employment.

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one has used my personal information for direct marketing purposes.. 




( Capital one : For our marketing purposes to offer our products and services to you, to make reports to credit bureaus and credit reporting agencies and all third party affiliates of CAPITAL ONE. ) CAPITAL ONE is in violation of selling private information for direct marketing purposes with prejudice intent, They made late payment balance before XXXX days and have made multiple reports within XXXX  days after first initial report. 
Inaccurate late payment reporting, selling my personal information to third party affiliates By law Credit bureaus are prohibited from selling your personal information for direct marketing purposes.JXXXX XXXX XXXX Capital One has violated fair credit reporting Act, *privacy violation- unauthorized pulls on my credit report -failing to notify me as the consumer about negative credit information CAPITAL ONE - has also reported an old discharged account, for current records, and have created a prejudice credit limit cap on my new credit card from old closed account. 

Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA. 

Incorrect late payment *Discrimination bias, from previous account *Misleading advertising

Company response to consumer: Closed with explanation