vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: WI

Complaint narrative:
My account with XXXX XXXX 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 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.

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


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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: WI

Complaint narrative:
My account with XXXX XXXX  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 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. 


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


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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MS

Complaint narrative:
XX/XX/year> Hello this account is pass 7 years and should be removed from my credit profile.. This vehicle is still affecting my credit score..

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 2024-07-16 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: WI

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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. 


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

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: IL

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 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 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc.
State: NV

Complaint narrative:
Get these perjurous panhandling frauds out of my inboxesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX Date of Inquiry : XX/XX/2023 :

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 2024-07-16 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX Date of Inquiry : XX/XX/2023 :

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 2024-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, Regions Bank sent me a letter indicating that I had no homeowners insurance despite my new homeowners insurance policy being sent to them on XX/XX/XXXX directly by the insurance company. When I go to the bank 's portal, they indeed show the correct policy number, but incorrectly entered the effective date as XX/XX/XXXX instead of XX/XX/XXXX. There is no way to reach a live person to inform them of their error and they are saying they will buy and charge me for a homeowners policy.

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 2024-07-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-16 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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Late Payment Status on Self Financial Account Dear TransUnion, I am writing to formally dispute an incorrect late payment status on my credit report. Upon reviewing my TransUnion credit report, I noticed an error regarding the XXXX XXXX XXXX account. 

Account Information : Account Name : XXXX XXXX XXXX Account Type : Secured Loan Date Reported : XX/XX/XXXX Discrepancy : The report indicates a 30-day late payment status for the month of XX/XX/XXXX, with a past due amount of {$27.00}. 

My records show that I made timely payments, and there should be no late payment mark for this account. 

Requested Action : I kindly request that you investigate this matter and remove the inaccurate XXXX late payment status from my credit report. 

Please reinvestigate this matter as required under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution.Thank you for your prompt attention to this important issue. 

Sincerely, 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 2024-07-16 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've contacted the creditor company several times, I've provided them with the information requested for the dispute. I've contacted lawyers about the same issue, I reported to Capital One & XXXX XXXX about my information being involved in multiple data breachs and also provided them with documents of incarceration at the time of the account being opened. They removed the credit from one of the credit bureau reports but it still shows up on the others. The creditor also have not sent any correspondence documents providing proof of accuracy of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: WI

Complaint narrative:
My account with XXXX 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 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. 


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

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have old information on my credit report with all the agencies. XXXX and Transunion sent me a copy of my credit report and it still has the same old information on it. Loans I paid off and they will not remove. I asked for this to be removed as well as old incorrect information like addresses, and employment info. This has not been done. XXXX just haven't sent me anything. Every time I go on the website it still has old and incorrect information after I sent certified letters to them to please remove. Now I have to dispute this again because these Bureaus will not remove this information. It's old and it's paid off years ago but they are claiming it still needs to be on my credit report. Why? This just doesn't make since. Now I am going to have to fight to get them to remove my school information because that was discharge and I have the discharge letter to prove it but they are not going to remove that either. I am trying to buy a house all of this unnecessary information that is on my credit report needs to be removed. I paid the old bills/loans off so why does old loans need to still be on my credit report from years ago when they are paid in full and closed due to then being paid off. On my XXXX report this what is reads ( THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED WITH NO LATE PAYMENTS. THIS CREDITOR IS CURRENTLY REPORTING XXXX BALANCE ) So why does this need to stay on my credit report. this should deleted. It's an old loan I got in 2019. I have a lot that says in the above quote on a lot of my old loans. They need to be deleted it paid in full. I have three outstanding loans so they can be on my report not the old ones i am disputing.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have old information on my credit report with all the agencies. Equifax and XXXX sent me a copy of my credit report and it still has the same old information on it. Loans I paid off and they will not remove. I asked for this to be removed as well as old incorrect information like addresses, and employment info. This has not been done. XXXX just haven't sent me anything. Every time I go on the website it still has old and incorrect information after I sent certified letters to them to please remove. Now I have to dispute this again because these Bureaus will not remove this information. It's old and it's paid off years ago but they are claiming it still needs to be on my credit report. Why? This just doesn't make since. Now I am going to have to fight to get them to remove my XXXX  information because that was discharge and I have the discharge letter to prove it but they are not going to remove that either. I am trying to buy a house all of this unnecessary information that is on my credit report needs to be removed. I paid the old bills/loans off so why does old loans need to still be on my credit report from years ago when they are paid in full and closed due to then being paid off. On my Equifax report this what is reads ( THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED WITH NO LATE PAYMENTS. THIS CREDITOR IS CURRENTLY REPORTING XXXX BALANCE ) So why does this need to stay on my credit report. this should deleted. It's an old loan I got in 2019. I have a lot that says in the above quote on a lot of my old loans. They need to be deleted it paid in full. I have XXXX outstanding loans so they can be on my report not the old ones i am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Items were purchased on a business CitiBank credit card that were never delivered. I am the XXXX for the credit card holder, XXXX XXXX XXXX XXXX.. The original charge was on XX/XX/XXXX for {$47000.00}. The vendor for the purchase was XXXX XXXX XXXX, which subsequent to the purchase, filed for XXXX  XXXX bankruptcy. The anticipated delivery date of the items purchased was XX/XX/XXXX. In XX/XX/XXXX we learned that XXXX was having financial difficulties. We asked that the items we purchased be delivered. They failed to deliver the items as requested. In XX/XX/XXXX we disputed the original charge with CitiBank. They began an investigation of the issue. After several months, on XX/XX/XXXX during a phone conversation with a customer service supervisor, I was informed that CitiBank would not be crediting our account for the amount, stating that our request to dispute the charge was beyond their time limit for filing a dispute despite the unique circumstances of our situation.

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 2024-07-16 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief