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: CA

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXXl 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 60 days 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 XXXX  days before the payment due date. 


XXXX, XXXX, 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 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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: KY

Complaint narrative:
I found the company AutoPay through the credit karma website on XX/XX/year>. They advertised that I could shorten the term of my current car loan. I clicked the button to accept the offer. I uploaded my ID, my car registration and input my social security number along with my employer info per the instructions. Autopay sent me a text that my application is approved and they would reach out if anything else was needed. XXXX from AutoPay called me today XX/XX/year> and informed me I qualify for a rate more than 3 % higher than what was quoted. I asked what the approval was based on and explained that my credit score is in the XXXX, my debt to income ratio is excellent and the loan on my car is for less than half of the cars value. XXXX had no answers and told me he is just doing his job. 
I was basically tricked into submitting my information and letting them pull my credit.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Account Name XXXX XXXX XXXX ( Original Creditor : XXXX ) Account XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
It says this report was opened XX/XX/2024, I opened an account with XXXX in XX/XX/2024. I am certain that if I had opened an account in XXXX that was XXXX, I would not have been allowed to open another account in XXXX. The account I opened in XXXX is now closed with a XXXX balance. I called both XXXX and the Ashmer collection agency. XXXX XXXX  said their was nothing they could do as the account was already in collections and out of their hands. The Ashmer collection agency first made me pay {$1.00} just to see if I was eligible for removal, then proceeded to tell me that there were inaccuracies on all of my collection accounts and they were all eligible to be removed but there was a {$300.00} fee in order for them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THIS COMPANY I DO NOT SHARE ANY DEBTS WITH. THEY FRAUDULENTLY ADDED THIS ACCOUNT TO MY CREDIT REPORT WITHOUT MY CONSENT. I DO NOT HAVE A CONTRACT WITH THEM NOR DO I HAVE A PAYMENT AGREEMENT. THEY WERE UNABLE TO PROVIDE ME A CONTRACT OR ANY FORMS I SIGNED CONSENTING ME MAKING ANY PAYMENTS TO THEM. MY RIGHTS HAVE BEEN VIOLATED AND THESE REMARKS HAVE BEEN DETRIMENTAL TO MY LIFE AND CREDIT HEALTH.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/XXXX I received a balance transfer offer via email. 

XX/XX/XXXX I contacted Elan Financial Services/US Bank to proactive obtain information on how to proceed with a balance transfer as I'd never done one before. 

I was told to go to the Elan Financial Services/US Bank website , login and choose " request balance transfer '' from the drop down menu and enter the information on the amount transferring and the financial institution where the balance transfer would be sent. I was told that the funds would be sent and received by the other financial institution within 14 days. 

XX/XX/XXXX I initiated the balance transfer on the website, per the instructions received on XX/XX/XXXX. My balance transfer was flagged for further verification and I was instructed to call Elan Financial Services/US Bank . I called Elan Financial Services/US Bank , was verified and was told that the balance transfer was complete and to expect an email with written confirmation the following day, Monday XX/XX/XXXX. 

XX/XX/XXXX No confirmation was received. 

XX/XX/XXXX I attempted to login to my account online and it was locked. I was directed to call an XXXX number for verification. I called and was verified. I also asked if the payment would be received by my other bank by XX/XX/XXXX because of the delays on Elan Financial Services/US Bank 's end. I was told that they could no longer guarantee that they would receive payment by XX/XX/XXXX. 

I then told Elan Financial Services/US Bank that I wanted to cancel the balance transfer. Elan Financial Services/US Bank refused to cancel it. I repeatedly begged for a supervisor. Elan Financial Services/US Bank refused to put me in touch with one.

So, Elan Financial Services/US Bank doesn't honor timelines provided by their representatives. Repeatedly flags me for fraud even though I answer all questions correctly, login from the same place every time and there is no fraudulent activity on my account. And their fraud investigations delay every interaction. 

THEY REFUSED TO CANCEL THE BALANCE TRANSFER. I DO NOT WANT TO MOVE FORWARD WITH THE BALANCE TRANSFER AFTER ALL OF THIS. BUT NOW THEY REFUSE TO CANCEL THE BALANCE TRANSFER WHILE REFUSING TO SEND PAYMENT TO THE OTHER BANK BY XX/XX/XXXX. 

I have no documents to attach because everything transpired on the phone because of all of their fraud holds. The only thing I have is a confirmation number : XXXX Balance transfers are predatory. The representatives engage in misinformation and mental abuse. Please make these illegal. I can't imagine what they do to desperate people who are deep in debt.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 XXXX XXXX. 

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Their autopay failed and they did not notify me in time. When I called in to ask them to re-submit their ACH, it worked. It was obviously a problem on their end. They admitted to this and told me they would remove the blemish off of my credit report. 

Account info Account name CITIZENS PAY CREDIT LINE Also known as CITIZENS PAY CREDIT LI Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$2400.00} Balance updated XX/XX/XXXX Recent payment {$200.00} as of XX/XX/XXXX Monthly payment {$66.00} Credit limit {$2800.00} Highest balance {$4000.00}

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: TX

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: MD

Complaint narrative:
This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor Advocates Inc
State: AL

Complaint narrative:
Received a call today from debt collector ( Creditor Advocates ; XXXX @ XXXX ) stating I owed over {$700.00} to XXXX XXXX XXXX XXXX from XXXX, XXXX. He stated it was the cost of my deductible with XXXX XXXX XXXX XXXX XXXX Alabama. 

I called this doctor 's office several times in XXXX after receiving the bill, because I didn't have a deductible for that procedure. After speaking with their billing dept and with XXXX  several times and writing a letter of dispute, I have never received any sort of bill since XXXX, maybe XXXX. I have been on XXXX XXXX since around XXXX or before. 

I assume this bill got paid by my XXXX  back then, since I never received another bill from the doctor or anyone else after sending my letter of dispute. I actually think I've been on XXXX XXXX since XXXX, so I don't understand why I would get a call today, XX/XX/XXXX, from XXXX with Creditor Advocates. I have never in my life had a deductible more than {$170.00} for outpatient XXXX! 

Thanks for your assistance in this matter. 

XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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