vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 EXPERIAN 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 XXXX 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! 


Update 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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Universal Account Servicing, LLC
State: GA

Complaint narrative:
The company ( Universal Account Servicing ) calls me every day after I explained the situation to them : that the service provider XXXX XXXX XXXX cancelled all my services without providing me with promised refund. They owe me more money than the current balance on the Universal Account Servicing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/24, I filled out auto loan application online with Navy Federal Credit Union and was approved. On XX/XX/24, I went to the branch to complete the signing of the contract and pick up the cashier check for the dealership. I was advised that consumer lending department was closed early due to the Holidays. I was advised to return back on XX/XX/24 after the XXXX. I went back on the XX/XX/24 and the branch manager and the XXXX of the bank teller assisted me. They both saw and confirmed that the auto loan application ending XXXX was approved. The teller message the department inquiring about the paperwork, only to receive a message that the application is denied. The teller requested that branch manager come over to review the message and they stated that they did not understand what was happening. The teller provided me a card with the XXXX XXXX contact information for me to call. 
I left the branch and called once I returned to my residence. I spoke to representatives and Supervisors regarding the matter. They both confirmed that the application was approved on there end. The XXXX of the XXXX XXXX wanted me to reapply with the Auto Loan department for the application that I was already for approved for. I advised that the Supervisor that I did not want another hard credit pull on my credit. She stated that they will not do a hard pull on credit and she will request that the Auto Loan department would honor the approved application ending XXXX. She transferred me to the Auto Loan department and I was place on several extremely long hold. There were several different representative that came on the call. At this time I was upset and frustrated, I requested to escalate the call to the Auto Loan supervisor. She came to the call and stated that she did not see an approval only a denial. She wanted me to reapply for the Auto Loan, which I refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am a member of USAA. I have a card that I use, but not consistently, so I would expect some months there would be no charge and no statement. I had signed up for " electronic delivery '', and have been receiving promotional emails that include " For your credit card ending in ... '', and also received a bill back in XXXX that I paid, so I thought I was still signed up to received electronic notifications, as I was still getting notifications that specifically referenced my card. In XXXX I received notification that my balance was overdue and to pay it or I would go into collections. I paid it immediately. It was only for about {$33.00}, so I didn't notice there was a {$15.00} late fee attached. I just received another letter today, and that is when I saw XXXX late fees : XXXX for {$15.00} for XXXX and XXXX for XXXXXXXX XXXX  for XXXX. Again, I paid the balance just a few minutes after I got the notice in the mail. However, I never received any kind of normal notification that a bill was due. Had I received that I would have paid on time. 

I called to find out why I wasn't getting a statement, only to be told that I have to go into their app or website and update my preferences to receive notifications if I had signed up for electronic delivery. I felt this was really deceptive, as electronic " delivery '' implies i will be sent notification, not that I will have to go to their website to fish for a bill. As I had gotten statements by email previously and was getting other emails during this time, including ones that referred to my credit card, I thought I was signed up to receive notifications about my account. The agent and a manager informed me that only XXXX fee could be waived. While I can understand wanting extra alerts for things like charges over a specific amount, or automatic payment made, I can not fathom why anyone signing up for " paperless delivery '' would, as a default, not want to receive notification that they have a bill due. While this is only {$15.00}, it strikes me that this could result in other members being charged late fees because they received some emails from USAA but not their statements. The app was confusing to even get to this setting, and because I was receiving other emails I had no reason to assume I needed to take this action.

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 monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
I can't understand why this is happening, but this morning I noticed some wrong accounts showing up on my credit report. I checked it as I always do, but this time there were discrepancies that came out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but nothing changed. The wrong accounts are still there, and Im so confused about why this happened. I'm begging you to thoroughly check the documents I sent so I dont have to keep worrying about this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: 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 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 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 XXXX 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 2025-01-02 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: TX

Complaint narrative:
Im so confused and frustrated right now because inaccurate accounts are showing on my credit report today, and I have no clue how they ended up there. I checked my report like I always do, but this time somethings off. I even tried refreshing my browser, thinking it was just a glitch, but it didnt work. Can someone please look through the documents Ive sent? I just need to know that I wont have to worry about this anymore.

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 2025-01-02 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: TX

Complaint narrative:
I honestly dont know whats going on, but I saw this morning that there are incorrect accounts listed on my credit report, and Im completely confused. I checked it like I normally do, but out of nowhere, there were discrepancies. I thought maybe refreshing my browser would help, but nothose incorrect accounts are still there, and I cant figure out why. Im desperately asking that the documents Ive submitted be reviewed carefully so I can stop worrying about this once and for all.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MA

Complaint narrative:
Fraudulent attempts to open accounts in my name on XX/XX/year> & XX/XX/year> with my personal information. I was alerted to the activity by a series of emails asking me to provide various information to " authorize '' accounts and/or profiles. When I called the companies and made inquiries it became clear that someone had my personal information and was using it without my knowledge. At that time I was advised to freeze my credit, change my passwords, and file these reports. I have also filed a police report and purchased XXXX. 
Even though I have frozen my credit they are still using my information to try and open savings and IRA accounts etc.. I am trying to keep up with everything but it's really difficult. 
The attempts I'm currently disputing are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-02 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
ACCOUNT XXXX XXXXXXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX  and XXXX XXXX  XXXX. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any XXXX  and skip the phone calls and voicemails its just XXXX big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After being notified of my personal information being used in several data breaches, I reviewed my credit report and noticed an account that I did not authorize, along with relevant inquires. I have no recollection of applying for applying for this account, and it is negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off of my credit report in XXXX  days! This account is damaging my credit. I have no connection to this account and urgently request the immediate removal to prevent further harm to my credit. I disputed this account and it was not removed. 

XXXX XXXX Account XXXX XXXX XXXXXXXX {$410.00} XXXX XXXX XXXX Inquires XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After being notified of my personal information being used in several data breaches, I reviewed my credit report and noticed an account that I did not authorize, along with relevant inquires. I have no recollection of applying for applying for this account, and it is negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off of my credit report in XXXX  days! This account is damaging my credit. I have no connection to this account and urgently request the immediate removal to prevent further harm to my credit. I disputed this account and it was not removed. 

XXXX XXXX Account XXXX XXXX XXXXXXXX {$410.00} XXXX XXXX XXXX Inquires XX/XX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have unknown inquiries on my credit report that I did not into nor did I know nothing about. 

See attachment-

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 2025-01-03 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm submitting this complaint due to the incorrect personal information on my credit report with Equifax. My name is incorrectly listed as " XXXX XXXX XXXX, '' while the correct name is " XXXX XXXX XXXX. '' Additionally, there is no employer stated, when my current employer is " XXXX XXXX. '' Under 15 USC 1681e ( b ), the Fair Credit Reporting Act requires that credit bureaus ensure the accuracy and completeness of the information in their reports. I am requesting that Equifax promptly correct these errors on my credit report to reflect the accurate personal information and employer details. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief