vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: RI

Complaint narrative:
Urgent Resolution Required for Inaccurate Reporting on Consumer Report I am reaching out formally to express my frustration regarding the lack of response from TransUnion on the CFPB complaint I submitted on XX/XX/year>. This complaint pertains to XXXXXXXX XXXX XXXX inaccurate reporting of late payments on my consumer report. According to Section 1637 ( b ) of the U.S. Code, these payments should not be marked as late. 

Despite the legal requirements, I did not receive a reasonable resolution within the timeframe mandated by 15 U.S. Code 1666b - Timing of Payments. As stated in this code, " 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 to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date '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 XXXXXXXX It has been 30 days since I filed the complaint, and I request that these late payments be removed from my account immediately, as they are causing significant harm to my creditworthiness. 

Thank you for your prompt attention to this matter.

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 2024-11-07 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:
I am writing to address several concerns I've encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing errors, and accounts that are not mine.I would appreciate your help in resolving these issues to maintain my financial stability.

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 2024-11-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In Accordance with the fair credit reporting XXXX, this creditor has violated my rights, Under 15 U S C 1681 section 6 0 2 states that I have the rights to privacy. 15 U S C 1681 section 6 0 4 a section 2 it also states a consumer reporting agency cant furnish an account without my written instructions. Under 15 U S C 1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: VA

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 XXXX and 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 2024-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I financed a car through American Car Center on XX/XX/XXXX. On this day when I got the vehicle, I got a 30-day tag that expired on XX/XX/XXXX. After several attempts to contact XXXX XXXX ( the car salesman ) and after several promises from him that my tag would be in the following week, etc. I decided to drive to the dealership. This was on XX/XX/XXXX. Only to see that the dealership had been closed down for bankruptcy. The last email communication I received from XXXX was on XX/XX/XXXX, after the 30 day was expired. Advising DMV stated the tags will be avail that following Tuesday. After checking my emails on XX/XX/XXXX, this exact day I received an email from Westlake Portfolio Management advising they are the ones would be servicing my loan and taking the payments. It has been 2 years, going on 3 and I still have not received legal tags. DMV has advised that this vehicle is not registered to me. It is still registered in Minnesota. I no longer drive the vehicle ; it is just sitting. Since I can not obtain legal tags to operate it. Law enforcement has pulled me over several times. And there is no proof that I have that this vehicle belongs to me. Every month Westlake is hitting my credit over a vehicle I can not legally drive. And they have this car listed as a lease. The sales agent advised I would be financing to own. Please help me resolve this. My only recourse seems to take Westlake to court. This has impacted me in so many ways especially my credit. I have contacted Westlake several times. Spoke to supervisors and to date no one has helped me. All Westlake wants me to do is continue to pay on this car. They do not appear to want to help me resolve finally receiving the tags to drive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-11-07 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: VA

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 XXXX 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 2024-11-07 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX VERIFICATION OF HOW DEBT WAS VALIDATED

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 2024-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: PA

Complaint narrative:
I tried to access my account on XX/XX/year>, but the website and app both wont let me log in and they are down. I am not able to access my account, manage it, and see my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
My accounts 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 to be removed/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. 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!

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 2024-11-07 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XXXX of XXXX I received a notice from XXXX XXXX XXXX XXXX that I had missed a XX/XX/XXXX XXXX payment. I knew I had not. I went through my statements online and saw that I had paid the XX/XX/XXXX fee in XXXX of XXXX and that the other 11 payments were made in XXXX. They disagreed. I called Huntington " corporate '' in XXXX or XXXX of XXXX and asked for all of my statements from XX/XX/XXXX through the present to be printed out and sent to me and paid the {$5.00} to have that done. Weeks later I received only two years of printouts. I called again and they said they would send the rest. I received one more year of statements. In the meantime, XXXX XXXX XXXX XXXX said they needed the electronic check numbers that Huntington sent them in order to verify their postings. I went into the XXXX branch in XXXX (? ) and XXXX, the contact I have there, printed out the checks from XXXX. It still did not prove my case to the XXXX XXXX to their satisfaction. I realized I would need the numbers/copies of all of the electronic checks sent to them by Huntington. I went into the XXXX in XXXX and requested those checks. XXXX said he ordered them, but it might take " corporate '' weeks to get them to me. I called " corporate '' a couple of times. At one time the agent said the statements were " in the mail. '' I went back to XXXX and XXXX said he would " light a fire '' in order to get this situation resolved. I found a Huntington " customer service '' email and emailed them on XX/XX/XXXX. I haven't received a response. I finally sent the alleged missed payment to the XXXX XXXX, and asked them to forgive the late fees, but still wanted to prove that I had paid everything. I found a way to contact Huntington " customer service '' on XXXX, and we went back and forth a few times asking for copies of all of the electronic checks sent to XXXX XXXX XXXX XXXX, but it was as though no one was reading the request and they just kept asking me over and over for my name, and how they could help. Finally I messaged that I didn't think I'd be getting help from them - they did not respond. 

I have dates and times I messaged, emailed, and called the various parties involved. I can pull them together upon request, although I am asking for such a simple solution that I should not be asked to bear the burden of gathering all of that information. 

BACK IN THE DAY I could gather cancelled checks that I filed. In the age of electronic checks I depend upon my bank to provide them. Huntington let me down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$5700.00} XXXXXXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2024-11-07 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: MI

Complaint narrative:
I am a victim of identity theft due to past data breaches with several companies XXXX XXXX XXXX  and Equifax being amongst those companies that my data was stolen from. I am disputing an inquiry on my credit report that I have not authorized but Equifax refuses to remove the inquiry. I have been disputing this matter with Equifax for more than 30 days concerning the inquiry made on XX/XX/year> for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
Dear Transunion bureau : I am writing for the third time to formally dispute these items on my credit report that appears to contain inaccurate information. The account in question is a charge-off and belongs to someone else reported by XXXX XXXX and XXXX XXXX  XXXX XXXX with these hard inquires : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The discrepancies are related to the date of last activity reported by each credit bureau, which are as follows : XXXX : Removed XX/XX/year> XXXX : Removed XX/XX/year> Please follow the 15 US Code 1601, 15 US Code 1692c and 15 US Code 1602p laws for removal.

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 2024-11-07 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: NC

Complaint narrative:
Under FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any information identified by consumers as linked to fraudulent or erroneous activities. This action must be taken within four business days of receiving the notification. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$100.00}

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 2024-11-07 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: NC

Complaint narrative:
Under FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any information identified by consumers as linked to fraudulent or erroneous activities. This action must be taken within four business days of receiving the notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation