vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 the months that I was 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 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.

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 2024-06-08 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: FL

Complaint narrative:
My account with all the companies that I included on the document 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 the months that I was 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 the months that I was 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 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.

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 2024-06-08 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: ID Analytics, Inc.
State: WI

Complaint narrative:
I feel I have over the years tried and trying to have these delinquent information that's on my credit report that wasn't given permission which is credit card information student loans hard inquiries that they have not by law pulled off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: KS

Complaint narrative:
Information on my credit report from all 3 agencies is incorrect. Your roll is to report all correct and accurate information. Things that is incorrect and invalid.

Date opened High credit Credit limit Last reported Date last active Date of last payment All 3 credit reporting agencies are posting different payment history. Not acceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: KS

Complaint narrative:
Information on my credit report from all 3 agencies is incorrect. Your roll is to report all correct and accurate information. Things that is incorrect and invalid.

Date opened High credit Credit limit Last reported Date last active Date of last payment All 3 credit reporting agencies are posting different payment history. Not acceptable!

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 2024-06-08 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: KS

Complaint narrative:
Equifax XXXX XXXX are reporting inaccurate information onto my credit report. 

No of terms High credit Date last active is a year off INACCURATE Date of last payment is 3 years off INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: MO

Complaint narrative:
My account with all the companies that I included on the document 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 the months that I was 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 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.

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 2024-06-08 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: WA

Complaint narrative:
I sent emails with proof of payment history directly from the property management portal. ( Document attached ) It still has not been corrected. In addition, they have engaged in retaliatory behavior lowering my FICO score by XXXX points. My payment history is on time. No new debts incurred.but they are citing length of credit history when I had a higher score before my dispute with the exact same profile. They also posted inaccurate numbers of actual open accounts and the length of time. XXXX XXXX is on time and has been open two years. The rental payments can go back five years but ok last two years only and this is not included. There should be three accounts, two being at least two years old in addition to my XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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:
As of today XXXX, Transunion and XXXX continue to provide false information regarding the XXXX XXXX amount on my credit report. None of it makes sense they show that I am current making payments?? However, if I was currently making payments why isn't the loan amount going down? In addition, Transunion says account is closed, XXXX and XXXX says account is open. Transunion and XXXX paid on time. XXXX showing staying on report until XXXX when 7 years is XXXX. I have reported this to the Federal Trade commission as an act of fraud and gave them the report number. When I call none of these creditors listen to what I have to say and just say oh the information has been verified. Just because a creditor tells you something it doesn't make it true. XXXX XXXX is purposely providing the XXXX credit bureaus with false information to ruin and destroy my lively hood. I have bee fighting this for 5 years and not one of the credit bureaus listens to me or care to hear what I am saying. THIS IS FRAUDLENT REPORTING AND ALL OF THEM NEED TO BE HELD ACCOUNTABLE. I ALSO STATED I WANTED THIS TO REPORTED AS FRAUD ON MY CREDIT REPORT AND ALL 3 CREDIT BUREAUS REFUSED TO NOTE THIS ACCOUNT AS FRAUD. i HAVE BEEN FRAUDED ONCE BEFORE IN XXXX. ALL THESE CREDIT BUREAUS NEED TO TAKE THIS OFF IT IS FRAUDELENT WHAT PART OF ENGLISH DON'T THEY UNDERSTAND!!!!!!!!!!

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 2024-06-08 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:
As of today XXXX, XXXX and Equifax continue to provide false information regarding the XXXX XXXX amount on my credit report. None of it makes sense they show that I am current making payments?? However, if I was currently making payments why isn't the loan amount going down? In addition, XXXX says account is closed, XXXX and Equifax says account is open. XXXX and Equifax paid on time. Equifax showing staying on report until XXXX when 7 years is XXXX. I have reported this to the Federal Trade commission as an act of fraud and gave them the report number. When I call none of these creditors listen to what I have to say and just say oh the information has been verified. Just because a creditor tells you something it doesn't make it true. XXXX XXXX is purposely providing the XXXX credit bureaus with false information to ruin and destroy my lively hood. I have bee fighting this for 5 years and not one of the credit bureaus listens to me or care to hear what I am saying. THIS IS FRAUDLENT REPORTING AND ALL OF THEM NEED TO BE HELD ACCOUNTABLE. I ALSO STATED I WANTED THIS TO REPORTED AS FRAUD ON MY CREDIT REPORT AND ALL 3 CREDIT BUREAUS REFUSED TO NOTE THIS ACCOUNT AS FRAUD. i HAVE BEEN FRAUDED ONCE BEFORE IN XXXX. ALL THESE CREDIT BUREAUS NEED TO TAKE THIS OFF IT IS FRAUDELENT WHAT PART OF ENGLISH DON'T THEY UNDERSTAND!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: CA

Complaint narrative:
As of today Experian, XXXX and XXXX continue to provide false information regarding the XXXX XXXX amount on my credit report. None of it makes sense they show that I am current making payments?? However, if I was currently making payments why isn't the loan amount going down? In addition, XXXX says account is closed, Experian and XXXX says account is open. XXXX and XXXX paid on time. XXXX showing staying on report until XXXX when 7 years is XXXX. I have reported this to the Federal Trade commission as an act of fraud and gave them the report number. When I call none of these creditors listen to what I have to say and just say oh the information has been verified. Just because a creditor tells you something it doesn't make it true. XXXX XXXX is purposely providing the XXXX credit bureaus with false information to ruin and destroy my lively hood. I have bee fighting this for 5 years and not one of the credit bureaus listens to me or care to hear what I am saying. THIS IS FRAUDLENT REPORTING AND ALL OF THEM NEED TO BE HELD ACCOUNTABLE. I ALSO STATED I WANTED THIS TO REPORTED AS FRAUD ON MY CREDIT REPORT AND ALL 3 CREDIT BUREAUS REFUSED TO NOTE THIS ACCOUNT AS FRAUD. i HAVE BEEN FRAUDED ONCE BEFORE IN XXXX. ALL THESE CREDIT BUREAUS NEED TO TAKE THIS OFF IT IS FRAUDELENT WHAT PART OF ENGLISH DON'T THEY UNDERSTAND!!!!!!!!!!

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
After looking over my credit report I found inaccurate information. Southwest Credit Systems is reporting negative balance of {$190.00} I never had an account with Southwest Credit Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an 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 Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an 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 Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
In XX/XX/year> someone tried to apply for a credit card fraudulently in my name. We called Chase and they shut that account down. However, ever since then we continue to get emails about an account to my & my wife 's email and with my first name. The emails report the % of balance used, when the balance is paid and come from XXXX. So somewhere my first name and our email are connected to an account that is not mine ( I do not have any accounts with Chase ). We have called Chase several times and they keep transferring us between fraud, customer support, and tech support and say they can not do anything about it. They say they can not search by an email ( which they should be able to search for since it is an element in their database ). After multiple attempts to resolve with Chase I am reaching out to you for help as my name and our email are being used fraudulently and without my permission and Chase refuses to rectify the situation. If you are not the correct agency to make them fix this, please let me know who to report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: LEXISNEXIS
State: WI

Complaint narrative:
I feel I have over the years tried and trying to have these delinquent information that's on my credit report that wasn't given permission which is credit card information student loans hard inquiries that they have not by law pulled off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My Money Network debit card from XXXX was supposed to arrive 2 weeks ago, but I never received it. I called Money Network to which they said that the card already has five unauthorized transactions. 

Transaction date Posted Date Merchant Address Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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:
I recently received a copy of my XXXX, TransUnion, and XXXX credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) 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 ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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