vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
My account with XXXX XXXX FINANCE 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 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 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 2024-06-25 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: NY

Complaint narrative:
My account with XXXX XXXX FINANCE 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 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 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 2024-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XX/XX/XXXX. Rocket Mortgage employees or website again harassment for mortgage payment. I have mortgage payment for room payment. Because Rocket Mortgage refused to investigate theft of payment for mortgage and property taxes escrow. The VA Military Loan threat of foreclosure from XXXX XXXX. From XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXXXX XXXX Entering my property without my contact permission and taking my property assets from inside my house. The first breakiing entering robberies XX/XX/XXXX. I told XXXX XXXX XXXX police department. Then called Rocket Mortgage I described the monies I was made to pay to XXXX XXXXXXXX XXXX  through XXXX party. Their property tax XXXX XXXX set up. I explained to Rocket Mortgage this information again XX/XX/XXXX. Again please help me. I need the money for room payment. The mortgage company refuses to hear me and the XXXX XXXXXXXX XXXX XXXX and XXXX XXXX refuse to interfere. Because XXXX XXXX XXXXXXXX XXXX  Church officials. I told Military I don't know XXXX XXXX XXXX is doing and they didn't help me get my loan nor provide assistance with the PriXXXX XXXX XXXX XXXX gave loan according to my qualifications. Rocket Mortgage is the company I was told to pay. That's it I'm in XXXX and I have moved so often I have to call the VA because they don't know what these people are using my benefits for. I hardly get to use my retirement benefits for my own life. And I told your XXXX XXXX this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TN

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
-The claim that they dont have enough information gor my disputes. 

I have soent a recorded XXXX hours just on the phone with these XXXX, and have wasted so much time gettting them documents andbthe information they request that I havent been able yo work in 13 months. 
But they dont have enough of what theyve asked for. 
I have literally been in the process kf sending them what theyve asked for the next day after heing on the phone for XXXX hours in a day just teying ti find out WHAT they XXXX want.bthen while sendingbit, have gotten the declined message while they are supposedly waiting for something. 
Ive also sent hundreds of documents through their portal to then be told they dont see any of them. To THEN be told that yes they did have them months later after I was blamed for losing my own dispute. 
Ive had enough of your XXXX lying. Youre either going to do yiur XXXX XXXXXXXX or youvare going to have teouble where it hurts any human. Ill be moving to a place very close to yiyr office so i can make sure of it. 

XXXX you and this XXXX response that took you 3 months to send : XXXX at its normal self right here. 
" This may take up to 30 days for us to even send a response. That's because we are doing literally nothing at all, and told you these exact same words 2 months ago when we said that our response to the entire thing IS that we are still working on the nothing that we're doing. '' This is 100 % full of lies and receipt like your every day business is. You've given me resultsbofbyou 1 day long investigations that end with " we put a day towards this before, we're not putting more than a day towards ajythjng. '' You also strangely don't address the fact that you denied your own employees dispute cases. All you've done here is pasteba long piece of text about the nothing you've done as it relates to your XXXX job and that is all. XXXX you, you ruin lives qnd enjoy doing so you XXXX piece of XXXX foreigners. Im coming to XXXX for my revenge in person. 

You also took 3 months to send this nothing of a response. 
I have {$1.00} mm in legal assidtance from you and another XXXX mil from discover to use in order to recover my identity after XXXX data breaches in the last tear alone.. I plan on using all of it to sue you knowing that yoy take 3 months to senf a boilerplate pasted message. XXXX 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I CHECKED MY EQUIFAX CREDIT REPORT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON MY CREDIT REPORT I NEVER GAVE AN YONE PERMISSION TO RUN MY CREDIT THE UNAUHTORIZED FRAUDULENT INQUIRIES ARE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Plastiq Inc.
State: GA

Complaint narrative:
Submitted a payment to my mortgage lender utilizing this service requesting a status update to this payment. As the app reflects delivered, but my account on desktop reflects sent status. This information is crucial to know if my lender is intentionally delaying applying my payments. I tried to reach out to Plastiq Inc directly, but their customer service quality is severely subpar, and that's being kind. This is one of my few means of recourse.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Can you provide me process of verification on the XXXX late payment for XXXX XXXX  I disputed which means I wouldve been late XXXX & XXXX. The late payment is in relation to a computer error on XXXX  end also I spoke with XXXX  they agreed to update it and never did so I called back and asked them to listen to the conversation they told me they no longer have access to the conversation. How was this verified? Please update asap!! I also attached the XXXX payments showing theres no late fee so how could it be a late payments. I want this late payment removed off my credit report because its violating my consumer rights and also inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: OK

Complaint narrative:
Can you provide me process of verification on the 2 late payment for XXXX XXXX I disputed which means I wouldve been late XXXX & XXXX. The late payment is in relation to a computer error on XXXX end also I spoke with XXXX they agreed to update it and never did so I called back and asked them to listen to the conversation they told me they no longer have access to the conversation. How was this verified? Please update asap!! I also attached the two payments showing theres no late fee so how could it be a late payments. I want this late payment removed off my credit report because its violating my consumer rights and also inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
on or about XX/XX/XXXX I did an auto purchase as a cosigner which i was told by XXXX toyota this XXXX XXXX XXXX was pre owned and certified. They gave me a XXXX XXXX  assuring the vehicle was in great shape but here i am XXXX later the truck has been in the serivce shop for over a month now and they have stated the motor needs to be changed out and that its currently out of stock. my boyfriend lost his job since he has no transportation and dealership does not care or even try to help. All we are asking for is to get our money back from these past months and downpayment so we can get a different truck and so he can look for a job and be able to have transportation. We are having XXXX  and lots of stress because they promised us at the time of sale that they dont have pre owned vehicles out on their lot if they are certified by the state or their mechanics, they promised us any help and now they we are looking for the help they are only misleading us and not wanting to take any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: NJ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
I have been identified as a victim of XXXX that has resulted in XXXX XXXX and affects my consumer report. As a XXXX of XXXX XXXX or XXXX XXXX, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from XXXX XXXX reports ordered by future employers, volunteer organizations and landlords.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was trying to get along through Huntington Bank with there be a loan or credit cards and Ive been rejected several times. My credit score is up to XXXX to XXXX and I gave them everything I needed. I filed bankruptcy over 20 years ago and theyre still holding it against me when any other company that Ive tried to get credit cards through. I got them XXXX except for Huntington Bank, I feel is still Im being discriminated against my employment history. I have a good employment history. Im work for XXXX XXXXXXXX XXXX XXXX and I saw on my check stubs in XXXX months into the year. Im at {$100000.00} so you tell me how come I cant qualify for {$8000.00} loan to do repairs on my house. This has been happening several times through the process very disappointed and feel like Im being discriminated against by Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: KS

Complaint narrative:
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, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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