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: FL

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 XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX, i sent this company a letter about some errors on my credit report but its been over XXXX  days and I still havent received any response from the company I was informed that they may be violating the fcra law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared 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
Consumer complaint received 2024-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased my leased vehicle from Hyundai Motor Finance. Since then I have been trying to get title transferred to my name. XXXX has made multiple mistakes processing the XXXX paperwork and has essentially ignored my phone calls and emails requesting they fix these mistakes. To date, XXXX has not sent me the XXXX of XXXX. 

In XX/XX/XXXX, I began the Vehicle Title Transfer process with the California XXXX. 

On XX/XX/XXXX, the XXXX informed me that they needed XXXX to complete the Statement of Facts stating taxes were paid, the amount paid and when, and their CA tax ID number. 

On XX/XX/XXXX, I called Hyundai Motor Finance regarding the XXXX 's above requests. A representative informed me I would receive a letter with everything the XXXX needed. I never received anything. 

On XX/XX/XXXX, the XXXX informed me that XXXX incorrectly filled out the California XXXX of XXXX which was missing the company endorsement stamp. 

On XX/XX/XXXX, I called Hyundai Motor Finance to tell them about the XXXX issue. The representative gave me an email address for the titles department ( XXXX ) and I sent a detailed email explaining my situation. 

On XX/XX/XXXX, I received an email response from XXXX XXXX at XXXX 's XXXX Department asking me to email a copy of the title showing proof of error. I did so the same day. 

On XX/XX/XXXX, I emailed XXXX XXXX again because I hadn't heard back. 

On XX/XX/XXXX, the XXXX Department gave me a mailing address where I could send the title to get it corrected. 

On XX/XX/XXXX, I mailed the Certificate of Title along with a cover sheet to XXXX 's XXXX Department via XXXX. I emailed XXXX with the XXXX tracking number. 

On XX/XX/XXXX, XXXX delivered the XXXX to XXXX. 

On XX/XX/XXXX, I emailed XXXX to ask for confirmation of receipt of the FedEx package. I did not receive a response. 

On XX/XX/XXXX, I again emailed XXXX but again did not receive a response. 

On XX/XX/XXXX, I called XXXX to make a complaint. The XXXX  person I spoke to told me there is no XXXX Department. I asked to speak to a XXXX who told me he couldn't give me the phone number to the XXXX Department. I told him I was still waiting for XXXX to send me the completed Title and necessary paperwork. He filed a complaint on my behalf and told me it should take XXXX days to get corrected. 

To date, I still haven't received the corrected California XXXX of XXXX and title still has not been transferred to my name.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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

I demand the late payment reported in MONTHS REPORTING LATE 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. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing and requesting an investigation into the wrongful reporting of these accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. According to FCRA 605B, we must report any incorrect accounts listed on a consumer 's report.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
CREDIT ACCEPTANCE CORP XXXX XXXX : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For thatreason.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello i initially sent a dispute out to XXXX about this account with XXXX on XX/XX/year> there was also a cfpb complaint sent with the complaint id XXXX. MY dispute results came back saying it was verified but yet after pulling my credit report there are still errors and violations. How is the account verified as accurate when XXXX did an investigation and said the same thing but the facts on the accounts are not matching on XXXX  profiles. According to the law consumer report have to be reports with maximum possible accuracy that is 100 %. XXXX pointing out again you are in violation. Furthermore transunoin failed to notate this account was in dispute and it has been way over XXXX  days from the time I sent the dispute, 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 3 ) -Duty to provide notice of dispute. Delete this account from my report please immediately. This is a also a violation of 15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors and ( B ) Reporting information after notice and confirmation of errors. I'm attaching the previous dispute i sent as well as the screen shot and the markups of the violations.

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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: 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: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: EQUIFAX, INC.
State: IL

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

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

I demand the late payment reported in MONTHS REPORTING LATE 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. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX my credit score very abruptly dropped from a XXXX to the XXXX which made me look around for what could have happened. I found out it was a XXXX XXXX XXXX that had sent me to Kingston Data & Credit after I knowingly canceled the account more than a year ago now. I wasnt sent notice of any of this happening by either group. There is no information or receipts to identify what the debt is exactly but its more than {$300.00} and as a XXXX XXXX XXXXXXXX XXXX XXXX  its a lot. I looked around for the collection company to attempt to see whatever the debt is, I found I need a claims number and being I was sent nothing its just sitting there probably building interest. It is now nearing the end of XXXX and Im beginning to get worried about it and sent a dispute through XXXX XXXXa to try and get some kind of response back. I believe that the collections company or the original creditor did do something wrong though by not sending me anything before reporting me to the credit bureau or even informing me of any kind of debt.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint and demand immediate enforcement of the Fair Credit Reporting Act ( FCRA ) concerning the persistent inaccuracies in my credit report maintained by the credit bureaus. These inaccuracies have adversely affected my ability to verify my identity for essential purposes, including my social security case. 

Details of my complaint are as follows : Despite repeated attempts to correct my personal information with the credit bureaus, including documented communications on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I continue to experience reporting errors and inconsistencies. 

Pursuant to FCRA, I am legally entitled to accurate reporting of the following information : Name : XXXX XXXX Address : XXXX XXXX and XXXX XXXX, XXXX, NC XXXX Telephone Number : [ XXXX XXXX XXXX ending in XXXX ] Date of Birth : XX/XX/XXXX Social Security Number : [ Correct SSN ending in XXXX ] Employers : Requesting removal of all employer information The credit bureaus have listed my Social Security XXXX in various incorrect formats, which has directly impeded my ability to verify my information for my social security case. This ongoing issue has caused delays and errors that could have been prevented if the credit bureaus had adhered to FCRA regulations. 

Enclosed with this complaint are copies of supporting documentation validating my correct personal information. 

I demand that the Consumer Financial Protection Bureau promptly investigate this matter and take immediate enforcement action against the credit bureaus to ensure compliance with FCRA. It is your responsibility to safeguard consumers by enforcing these laws and holding credit reporting agencies accountable for accurate and timely reporting. 

I expect a thorough investigation and corrective measures to be taken without delay. Please provide me with updates on the progress and resolution of this complaint. 

Thank you for your attention to this urgent matter. I look forward to your swift action and resolution.

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