vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
XXXX and American Express publishes a false promotion to compensate {$400.00} flight credit on the first purchase with XXXX and up to XXXX miles if the card is spent for more than {$2000.00}. They do not give any of these reward promotion. They keep scamming the customers and passengers. They should stop this illegal promotion activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: MD

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-22 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: IL

Complaint narrative:
My account with XXXX  the late payment to paid as agreed 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 those account 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. 

Update the late payment to paid as agreed 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 2024-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: SC

Complaint narrative:
This collection agency has placed a collection account on my credit report without notifying me prior to doing so. There was no communication from this debt collector BEFORE placing these items on my credit report. I reached out to this company on XX/XX/XXXX and again on XX/XX/XXXX requesting validation of the information that has been placed onto my credit profile and there has been no response from the company. I requested that competent evidence that I have any legal obligation to pay this debt be sent to me via US Mail, and still nothing. 

To be even more specific ; this is what I requested : Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgement, if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent This company has been ignoring me and there has been no communication from this company after I requested the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed inaccuracies on my account, This account is hurting my ability obtain credit, Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate 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 non-monetary relief
Consumer complaint received 2024-07-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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 noticed a late payment on my credit report that was 30 days late, which I never intended to escalate to that point. I have been unemployed for quite some time, homeless without a car, a place to live, or food to eat, and I have asked for help in every way I could without success. I explained in the late payment letter that if this Goodwill Courtesy is not granted, I will be unable to obtain a place, a job, or a car, and I am familiar with credit reporting because I previously worked in the industry. However, I have never paid late, and my income has been below the poverty level of the State of Florida, only receive income under the table until I can receive stable employment and I've been on my own since I was XXXX, and I have been in and out of several group homes. I was evicted from my home and had my car repossessed due to a lack of income. I request that this late payment be removed from the attached credit report as well as from the other two ( if it has not already been reported ). I have not had steady employment since XX/XX/year>, and I've been looking for work. My only source of income is food stamps, which barely cover my basic needs. I have been denied unemployment benefits, no help from anyone, and all of the resources I contacted require me to be employed.

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 2024-07-22 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:
I noticed a late payment on my credit report that was 30 days late, which I never intended to escalate to that point. I have been unemployed for quite some time, homeless without a car, a place to live, or food to eat, and I have asked for help in every way I could without success. I explained in the late payment letter that if this Goodwill Courtesy is not granted, I will be unable to obtain a place, a job, or a car, and I am familiar with credit reporting because I previously worked in the industry. However, I have never paid late, and my income has been below the poverty level of the State of Florida, only receive income under the table until I can receive stable employment and I've been on my own since I was XXXX, and I have been in and out of several group homes. I was evicted from my home and had my car repossessed due to a lack of income. I request that this late payment be removed from the attached credit report as well as from the other two ( if it has not already been reported ). I have not had steady employment since XX/XX/year>, and I've been looking for work. My only source of income is food stamps, which barely cover my basic needs. I have been denied unemployment benefits, no help from anyone, and all of the resources I contacted require me to be employed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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 noticed a late payment on my credit report that was 30 days late, which I never intended to escalate to that point. I have been unemployed for quite some time, homeless without a car, a place to live, or food to eat, and I have asked for help in every way I could without success. I explained in the late payment letter that if this Goodwill Courtesy is not granted, I will be unable to obtain a place, a job, or a car, and I am familiar with credit reporting because I previously worked in the industry. However, I have never paid late, and my income has been below the poverty level of the State of Florida, only receive income under the table until I can receive stable employment and I've been on my own since I was XXXX, and I have been in and out of several group homes. I was evicted from my home and had my car repossessed due to a lack of income. I request that this late payment be removed from the attached credit report as well as from the other two ( if it has not already been reported ). I have not had steady employment since XX/XX/year>, and I've been looking for work. My only source of income is food stamps, which barely cover my basic needs. I have been denied unemployment benefits, no help from anyone, and all of the resources I contacted require me to be employed.

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 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I was informed in XXXX that my annual fee was going from XXXX to XXXX. That I had the option to call and disagree with this tactic on this, at the time excellent payment history card. The person, would not opt me out of the annual fee and refused to cancel the card, that was in XXXX, since then, I have responded to the calls, and asked them to cancel the card, stop interest and please offer me a settlement plan so we can end this predatory relationship, and again, in XXXX, the calls started, to be excessive, I answered all calls, and they would harass me to verify who I am, by giving up personal data and information, they already have, I mean they called me. 

The calls were constant, and then on XX/XX/XXXX. I again, pleaded that they would end this relationship, bill me a payment plan, cancel card and stop interest and to stop calling, seize and desist. They then called more, many times in a day, spoofing numbers, not speaking when I said " Hello '' hanging up on me and violating the law of calling after asking to stop. 

The stress and hardship, from already being declared XXXX and not being able to afford the increase by XXXX a month, I was not late not once, before they refused to cancel card due to a forced increase of XXXX a year. When I tried everything to work with them, it only got worse, and they then abused the phone lines and broke laws that are in place to prevent harassment, intentional harm after offering a workable situation, this company is fraudulent and predatory. 

I have had over XXXX calls, Since XX/XX/year> with many different numbers, after asking them to please stop calling to stop and desist. Harassment starting at XXXX ; XXXX am, actually XXXX minutes before allotted time, so there is another violation, when you call back they say that they use a auxiallary number, actually its fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
On XX/XX/XXXX I was expecting a credit report as apart of my service with XXXX  ( their Permium Plan ) and did not receive it. I also noticed that XXXX had not reported my credit building credit line to Equifax since XX/XX/XXXX. I have been a customer since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX customer service and asked them why they were not providing a credit report for the month of XXXX, and why haven't they reported my line of credit since XX/XX/XXXX, a 6 month delay in credit building. XXXX confirmed that the company will not be able to resume services as agreed until approximately XX/XX/XXXX. I asked them why they didn't notify there customers that they were not going to be able to meet the terms of agreement and got no answer. I asked for a credit for those months and was refused. Unfortunately many consumers believe that there service has been reporting a credit limit in order to rebuild there credit as advertised to 2 bureaus and the company is scaming them. Please do an investigation and help notify there customer of XXXX 's breach of contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
I've asked XXXX to remove & verify with the original source of a bankruptcy being reported on my credit report that was not verified by the original source, which is the XXXX XXXX bankruptcy courts and also to send me proof that they verified this information through the original reporting source and they have not done that to this very day and I've also Submitted complaints and letters for the past four months since XX/XX/year> and to this very date and I have proof of letters that I have submitted to them and got unfavorable response back from them in regards to removing a bankruptcy off of my credit report that's unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
I've asked XXXX to remove & verify with the original source of a bankruptcy being reported on my credit report that was not verified by the original source, which is the XXXX XXXX bankruptcy courts and also to send me proof that they verified this information through the original reporting source and they have not done that to this very day and I've also Submitted complaints and letters for the past four months since XX/XX/year> and to this very date and I have proof of letters that I have submitted to them and got unfavorable response back from them in regards to removing a bankruptcy off of my credit report that's unverifiable.

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 2024-07-22 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-23 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: MA

Complaint narrative:
On XX/XX/XXXX, I booked a King Deluxe w sofa bed room at the XXXX XXXX XXXXXXXX in XXXX, MA for XX/XX/XXXX - XX/XX/XXXX. When I arrived and checked in, I was given a King ( not deluxe, no sofa bed ). As the room was very small and not what I paid for, I asked the hotel to correct the situation, showing them my original confirmation of a XXXX XXXX with a sofa bed. They put me in a double queen and did not inform me of any up charge. The day before check out ( XX/XX/XXXX ), I saw an up charge of XXXX charged on the day I checked in, in addition to the XXXX that I already paid on XX/XX/XXXX for a king deluxe with sofa bed which I did not receive. I immediately called my credit card company, Chase, to dispute these charges. Chase informed me that because I had accepted the double queen and slept in it, that they will not dispute the charges and consider it services rendered despite those services not being what I paid for and not agreeing to any up charge. I have now paid over {$1000.00} for a room that is not what I booked and my credit card company refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with non-monetary relief