vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: KY

Complaint narrative:
My account was never late! I have had exceptional payment history 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 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.

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! 


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 2024-10-17 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-17 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: AZ

Complaint narrative:
As of XX/XX/XXXX, there were no late payments being reported. I have stated this to you all several times now and you continue to report this harmful information on my Experian report. Earlier this year, XXXX, I made several requests for XXXX XXXX and Experian to make sure that my balances were being reported accurately and in a timely manner because I am a business owner and seeking to establish business credit so that I do not have to continue a personal guarantee to avoid accumulating inquiries on my personal credit. After my request, Experian started reporting inaccurate information as of XX/XX/XXXX, stating that I had 30-day late payment ( s ). I have printed out and attached Experian Reports from dates XX/XX/XXXX, XXXX XX/XX/XXXX, where you will see when this occurred. I have also attached an Experian Report that shows the last date this 30-day payment was showing on my report was XX/XX/XXXX. I have spoken to XXXX XXXX and Experian several times concerning this matter and it still is not corrected. This inaccuracy has only happened on Experian. This is not being indicated nor has it been indicated in either of my other reports ( XXXX ) . This is causing serious harm to me and my ability to obtain credit/loans for my business. On the attachment below titled XXXX, you will see at the top of page 2 where it says Payment History 99 % ... due to the misinformation that you all keep reporting. I HAVE NO DERAGATORY REMARKS ON MY CREDIT REPORTS besides this 30-day late payment that you are reporting inaccurately. I also took the time to attach MY FICO report that is clearly stating for the Experian portion that I DO NOT HAVE ANY LATE PAYMENTS WITH A 100 % PAYMENT RATING. Respectfully, please remove this inaccuracy from my Experian Credit report immediately. This has been reporting inaccurately for 4 consecutive months now and is causing severe issues for my financial well-being and my business. 
XXXX XXXX  Account # : XXXX Attachments : Experian Part XXXX ( XX/XX/XXXX, XXXX XXXX ) Experian Part XXXX ( XX/XX/XXXX, XXXX XX/XX/XXXX ) My Fico 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 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I walked in Huntington at XXXX  XXXX XXXX asking for my funds that were available in the amount of XXXX. 
The lady teller they would be mailed within 10 business days & it is way past that and still nothing.

This is truly a theft issue as the funds have not been received. My account ended in XXXXXXXX XXXX XXXX XXXXXXXX routing of bank XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I sent notification of address change prior to company charging me annual fee. Company charged me annual fee and I was not aware. Payment was made as soon as I was aware money was owed. No other balance on credit card. This turned into the first late payment on my credit report. It is completely misleading and there was an extreme circumstance of change of residence and no proper notification i sent a letter via the post office confirming my address change. They did not properly update the communication to send me the information of the annual fee and payment due.

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 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is in violation of the XXXX Funds Transfer Act. 
On XX/XX/year>, someone accessed my checking account using a ATM at Chase bank located on XXXX XXXX XXXX CA They withdrew {$180.00} from my account. I received an email alert regarding the transaction. I contacted Chase fraud division as soon as possible the next day. I explained what happened and requested the card be deactivated and an investigation be done. I requested they look at the ATM photo to verify it wasn't me. The funds were " temporarily '' returned to my account while they investigated the claim. 
I am a widow. I live Alone. No one has access to my bank card or information. 
On XX/XX/year>. I received another notice from Chase informing me that the investigation was complete. It was declared by them that whoever was at the ATM had my card and code information and so I must have given them the authorization to use my card. Chase is now going to retrieve the {$180.00}. from my account. 
I believe my card was skimmed by somebody. I possess the only card and I WAS NOT AT THE ATM. 
I informed that I have witnesses that will verify I was home 20 miles away when the ATM was accessed. I currently have construction at my home and the workers can verify I was home during the robbery. I went to the Chase bank XXXX XXXX, 2024 where the ATM is located and spoke with the bank mgr ( XXXX XXXX ). I requested that he look at the ATM footage and verify IT'S NOT ME. 
He is not capable of doing that. He can only request further investigation by fraud division asking them to look at the ATM photo. 
The investigators conclusion since whomever had the card had the chip code information so it had to be me card that was used. 
This is false I was NOT there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXX XXXX XXXX XXXX do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, 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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank helped me open a Triple Cash Rewards business credit card back in XX/XX/year>. I opened as a Sole Propreiter using my legal name and social. The promotion they gave me was if I spend a certain amount in three months, I would earn {$750.00} in cash back rewards. I finished the spend sometime in XXXX, and was told my rewards was on the way. 

In XXXX, before the rewards actually cleared in my account, I logged in and noticed that I had a Central Bill Account and a Credit Card account when i logged in. Though I had only been approved for one credit card, I now apparently have two billing accounts in their system. On XX/XX/XXXX ( or somewhere around there ) i called them and asked why I had a central billing account, and if I could eliminate that. The person told me it would be easy to combine the billing and remove the central billing account and allow me to just view one account with one balance. Just to simplify things on my end, since I am a sole proprietor and have no use for a central billing account. I agreed, and was never told it would affect me in any way, other than simplifying my billing. 

A few days later I notice that my rewards balance dropped to {$0.00}. I call in and the customer service agent was surprised that my balance was at {$0.00}. I had around {$79.00} in rewards earned from spending, and they were gone. I was supposed to earn {$770.00} on the next statement. So in total, {$850.00}. She apologized and thought it was strange that I would lose rewards for changing from a central billing account to one bill. She said she would submit a request for review, and that I should hear back from them soon and see the rewards balance most likely at the next statement. She was very kind, and someone from their team even added an additional {$75.00} reward for my trouble. This was all good up until now, And I just waited patiently for a a few weeks. 

As of XX/XX/year>, I don't see any rewards, so I call them again, to see if there is an update. A different customer service agent tells me that the team that handled my previous request reviewed my case and determined that because I closed the account I lost all the rewards. This makes no sense, as I never actually closed the account, I simply asked for one way to pay the bill. I still have my credit card, and I can still use it. Nothing ever changed in reality. 

I was never informed that I would lose my rewards if I merged my billing account, and if I did I would NEVER have done that and would have simply put up with the inconveinence of having a central billing for myself.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX TRUIST BANK 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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have an American Express blue business plus card. They advertise receiving points on purchases. In their initial advertisement there was no discussion of or link to limitations as I recall. However, upon accessing the website and trying to redeem points. None of the points were redeemable, which is totally misleading. to my recollection, no limitations were discussed. this clearly appears to be deceptive practice to get people to utilize their card, thinking that they are going to earn points that are redeemable but which in fact are not redeemable. The attached page shows absolutely confusing and misleading information. You can not ascertain as to what points you can receive or redeem. One part of the documents is there XXXX points to redeem. however, on the actual website. It shows that t I have some XXXX or so points. this is totally misleading. When I try to print the page which showed the inconsistency, the only information which printed was on the attached document and was not a complete reflection of the data on the website page. This clearly appears to be in attempted to mislead people into thinking that they are earning points by using the card when fact they are not earning those points. please note that I have previously filed a complaint regarding their deceptive advertising for their American Express business plus card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
Equifax is reporting an allege collection account ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX the account has no other information listed for the debt collection company for me to dispute this information so how is Equifax verifying such information without knowing the owner of the account. Equifax is also the only company reporting this allege collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: LA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

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 2024-10-17 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: CA

Complaint narrative:
Experian Credit Monitoring sent me a notice that XXXX XXXX XXXX had conducted a credit check on me. I have not had any dealings with XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they are investigating. I have contacted Experian and they are removing the credit check. Experian encouraged me to file on the FTC website which has redirected me to this portal.

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 2024-10-17 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Experian. XXXX, XXXX, Experian has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank 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 2024-10-17 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-17 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: GA

Complaint narrative:
I am writing to delete the following information from 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 Commission 's 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 non-monetary relief