vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal XXXX. These fraudulent entries have had a profoundly negative impact on my XXXX XXXX, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$6600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: PA

Complaint narrative:
My account with BMG MONEY was never late! I have had exceptional payment history witH BMG MONEY 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/XXXX to XX/XX/XXXX 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. 


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

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my profound dissatisfaction with your bureau 's handling of my identity theft complaints. This situation not only involves the theft of my personal data but also highlights your bureau 's indifferent approach to managing my case. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of these actions. Despite the seriousness and significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding my disputes has been minimal, and the responses I received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by an institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, please take steps to prevent such incidents from occurring in the future, as my personal information was clearly mishandled and abused. 

Accounts : XXXX XXXX  XXXX XXXX and XXXXXXXX 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 explanation
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
Creditor : XXXX XXXX XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so! 

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: IL

Complaint narrative:
I noticed a delinquency report on my XXXX, XXXX and XXXX reports. The reports was made by LJ Ross Associate with address XXXX XXXX XXXX, XXXX, MI XXXX telephone number XXXX. 
I contacted LJ Ross Associate directly to investigate the delinquency report made by them on my report. They explained to me that they are reporting information from XXXX XXXX stating that a bill with account number XXXX had not been paid. I called XXXX XXXX to inquire about the bill. XXXX XXXX assured me that the bill was transferred on XX/XX/year> to the active account at that time under my name with account number XXXX which was paid as agreed. I am attaching final statements for both accounts proving I have paid all the dues as agreed back when they were due. 
When I spoke with XXXX XXXX, the representative offered to execute a 3-way call with the LJ Associate if needed to prove that the bills have been paid. I called LJ Associate to inform them that XXXX XXXX clarified that I have satisfied the bills. LJ Associate rejected the 3-way call and requested bills proving I have satisfied the payments. I emailed them the receipts and followed back with a call. The representative I spoke with refused to acknowledge the receipts and stated that XXXX XXXX  reports that I have not paid the bills.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The credit bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XXXX XXXX. Recieved an unsolicited text from XXXX XXXX, they convinced me to do a call where they promised me 3-5 live connections a week with potential real estate buyers. I have never received a single one. I get prompts for buyers in New York. I live in and practice real estate in Utah. The company will not resolve the issue. I filed a dispute with the credit card company. They sided with XXXX XXXX, due to the terms and conditions that states, section 3 Our Responsibilities : Provision of Services. XXXX will provide members with leads at set schedules discretion based on availability. So basically they can do absolutly nothing and still claim they can keep the {$1200.00} I paid them. This is a scam! They can simply say there are no available leads and keep the money. American Express should not be helping scammers to steal money from their clients. They have not provided proof that there are no available leads in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: GA

Complaint narrative:
The company has violated my consumer rights by reporting inaccurate information on my consumer credit file. I am a victim of identity theft and have no knowledge of these accounts. I have reported this matter to the federal trade commission and included a copy of the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: AZ

Complaint narrative:
While I appreciate your efforts in removing some of the fraudulent items from my file resulting from alleged fraudulent activities, there are still items that need to be addressed. This is a follow-up to dispute the remaining items in my credit file linked to alleged fraudulent activities. I am once again providing Identity Theft Report # XXXX and # XXXX. According to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are obligated to remove any information in my file stemming from alleged fraudulent activities within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of the identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX  XXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- XXXX -- -- TransUnion XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}. Please be reminded that you have XXXX business days to eliminate any items in my credit file resulting from alleged fraudulent activities. I do not consent to XXXX or any automated verification methods.

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 2024-06-11 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 disputed items on my credit report and the investigation has not fixed the errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have set up and re-set up auto pay through Nelnet at least a dozen times and my payments never get accepted. I believe I'm being given late fees because their system is unable to handle auto-pay. I have autopay set up on my private loan through XXXX XXXX XXXX and have had no issues in two years. I always have enough money in my checking account for it to be taken out. 

This is essentially the communication they've sent every time I've tried to set up or re setup auto-pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From Nelnet : First I get this : XXXX XXXX XXXX XXXX XXXX Your new repayment plan has been approved and applied to your account, changing your regular monthly payment amount and payment schedule. 

Then I get this : Action Needed : Your previous payment could not be processed. Please submit a new payment or apply for assistance to bring your account up to date. 
XXXX XXXX XXXXXXXX Dear XXXX, Your recent payment of {$100.00} could not be processed because your financial institution was unable to process the transaction. Your Nelnet account may be past due as a result. If this returned payment previously paid your loan in full, your loan may still have an active balance. Please verify your account information with your financial institution to ensure future payments can be processed, and resubmit your payment at soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have reached out to chase 3 times about a dispute of the transaction on my account. While I was reassured that the issue would be resolved in my favor and while I received a letter confirming the resolution, my account was not credited. 
The issue is as follows : I purchased a yearly professional electronic records system subscription ( XXXX XXXX ) on XX/XX/XXXX. The electronic health records system was purchased by another company and it promised a prorated refund as XXXX  was to stop access to my account on XX/XX/XXXX. While my account was credited for {$950.00} in XXXX by XXXX, the credit was then reversed by the company ( in the same amount, my credit card was charged by them and the transaction was marked as reversal ). I reached out to Chase and have all supporting documentation to support the dispute of the initial ( XXXX ) transaction and receive a prorated refund. I in fact received a letter from chase stating that the XXXX transaction dispute was credited but it really wasn't. Chase representative today told me that staff saw the XXXX  transaction and this led them to believe that this was the credit ( this is clearly not what I communicated to chase on two occasions prior to calling today ). The charges are as above : XX/XX/XXXX - charged by XXXX {$1400.00} for a 12 month transaction XX/XX/XXXX - XXXX  refund {$950.00} ( I think it posted on XX/XX/XXXX ) XX/XX/XXXX - XXXX charge  {$950.00} ( I think it posted on XX/XX/XXXX and is marked as reversal ) XX/XX/XXXX - I called chase and explained the situation, they saw the charges and acknowledged that this is a concern and that a dispute will be started, they also told me to call in the morning to speak to the dispute XXXX XX/XX/XXXX - I spoke to dispute specialist and they told me I am likely to win the dispute XX/XX/XXXX - Chase sent me letter saying they won the dispute and that the amount would be credited to my account. 
XX/XX/XXXX - No credit on my account All I am ultimately asking for is that XXXX return {$950.00} due to them not being able to provide the services starting on XX/XX/XXXX after selling me a XXXX  month subscription. Chase have not been able to resolve this for me despite their reassurance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-11 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: OH

Complaint narrative:
've tried numerous times to fix errors on my credit report to no avail. It's crucial that you take action now to delete the following accounts.I urge you to conduct a thorough investigation into these accounts and take prompt action to remove them from my credit report. Failure to do so will leave me with no choice but to escalate this matter further, seeking legal recourse as necessary. 

I expect a swift and decisive response to this urgent matter. Thank you for your immediate attention to this issue. Here 's the list of accounts and inquiries I want to delete XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/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