vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, EQUIFAX has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
My account with 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 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 XXXX 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 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 2024-07-24 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:
when i looked at my credit report last month, i realized that my credit report had accounts that where caused by fraud. I later found out that my ex girlfriend XXXX XXXX used my information withut my consent

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 2024-07-24 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: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-24 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: GA

Complaint narrative:
Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. 18 U.S.C 1028 is the federal statute used by prosecutors to charge someone with identity theft. I want this issue resolved, and off my credit report ASAP or I will have to take litigation procedures.

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 2024-07-24 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: AL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had tavo late payments on two account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided 1 demand these payments be updated to on time as they should be as I was NEVER late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX 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  ) 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with ( 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 ( MONTHS REPORTING LATE ) 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 XXXX 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 XXXX ( 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 ) 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 2024-07-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: FL

Complaint narrative:
On XX/XX/year> my monthly social security benefit was deposited into my Direct Express account as usual. When I attempted to use my debit card that same day it was declined. When I went onliine to check the status of my account it showed a balance of XXXX cents. I then looked at the transactions to see if the money had been deposited as expected. The money had been deposited and there were already XXXX other transactions that I didn't recognize, on the same day. There had been an ATM withdrawal and I believe a transfer of funds. As I was looking at all of this I also saw that the card that I was in possession of was no longer on the account and there was another address listed that was not mine. My email and phone no.were unchanged. I called Direct Express and was not not able to verify some of my information so they transferred me to someone else. The next agent also asked me to verify my address and then asked me if I had called in on XX/XX/year> to put in a change of address and report a lost/stolen card. I had not. After verifying my social security number and date of birth she then told me she would put a hold on my account and restored my address information. She also told me that they would send me a new card. She asked if I would be willing to prosecute if they located the culprit, I said yes. I asked how did this happen and how someone else could call and request and new card and change of address to gain access to my funds without them verifying if I actually made the changes. She stated that they might not have needed to use all of my verifying data to make the changes. She would not give me any other information, but she blocked my access to my account and told me it could take up to XXXX days for an investigation or for Direct Express to return my money. I also asked her to be certain to include the address where they mailed the card that was sent without my consent or knowledge. 
I also reported the incident to the XXXX as recommended on the Direct Express website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 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: CA

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 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.

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 8

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Received an alert that there may be fraud or bad information on my credit report. Attempted to file a dispute with the company.

The companies web site would not let me log on to account.

Tried to report technical problems but can't do it through the web site.

Attempted to call the company at the number provided.

Could not get past the limited computer generated options to speak to a person, report the suspicious activity, or receive technical support.

I spent over two hours trying different ways to speak to someone at this company to with no success.

This is very frustrating!!!!!!!! 
This is the worst customer service I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of human trafficking of debt bondage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, equifaxASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION,

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 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The firm XXXX XXXX XXXX employed an employee, XXXX XXXX, to serve me with documents. 

I have an issue because they a ) broke the law and b ) perjured themselves. 

All of this is in the affidavit of service ( attached ). 

The first thing I take issue with, is XXXX 's employee stated he went through my mail to confirm my address. This is a federal crime. 

The second thing I take issue with is XXXX 's employee stated he talked to my neighbor to confirm my address. It is illegal to discuss my debt with third parties. 

The third thing I take issue with is XXXX 's employee stated he affixed a copy of the affidavit to the front door. He did not, I never had anything taped to my door. This is perjury The fourth issue I have is in order for XXXX 's employee to get to my front door, or get in my mail, or view my packages, he trespassed. Based on posted signage, fencing, landscaping, etc., it would be intuitively obvious to even the dimmest bulb that to do any of these things he'd need to trespass. 

If he didn't indeed do these things, then he perjured himself. 

The fifth issue I have is XXXX 's employee did not appear to take due dilligence to serve me. He came by my house on work days and in the middle of the day on a Saturday. It should be no surprise that no one was home. 

The last issue I have is that XXXX 's website does not have clear contact information, nor does the affidavit of service, and I was not able to submit a formal complaint with a supervising attorney. Further, I was required to sign up for XXXX XXXX 's spam mailing list. 

This is unacceptable I believe process servers are given some leeway, but they're not supposed to break the law. Additionally, they're supposed to make a good faith effort to serve me. 

In this case, no clear good faith effort was made, and it would seem the employee perjured himself and broke the law. 

Further, I understand people are trying to " disrupt '' and " revolutionize '' industries, but there should be a clear way for me to contact XXXX and make a complaint, which there is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Identity theft, someone tried opening credit cards in my name with XXXX different cards. I did not apply for any of these. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked for this report for almost 2 years. I have reached out to you for assistance in getting this matter resolved and you have not help me to get this matter resolved. I am still trying yo figure out why I can not see my Equifax scores and why haven't Equifax send me a copy of my credit report. I have asked them for this several times for over a year. Why haven't your company investigated this matter. It seems as if Equifax is intentionally trying to sabotage by not allowing me to view my report an scores. I'm asking your agency for help to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
The U.S. Department of Education found that The XXXX XXXX and its parent company, XXXX XXXX XXXX, made pervasive and substantial misrepresentations to prospective students about post-graduation employment rates, salaries, and career services. Being as the loans given were fraudulent I asked Mohela if they had a process for loan forgiveness for fraudulent loans. They replied that private loans are not forgiven under the Biden-Harris administration 's forgiveness. That was the only response. It seems to me there should be some process to forgive fraudulent loans. The interest alone is life altering. Now today Mohela is getting sued for just these kinds of things. Please help me to get through to this company. Thank you for Your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation