vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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 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 non-monetary relief
Consumer complaint received 2024-12-12 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: MD

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-12-12 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: MD

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: WI

Complaint narrative:
On XX/XX/year> I applied at XXXX XXXX  for funding for my needed dental repairs and was approved for {$5000.00} with American First Financial with a down payment due of {$75.00} that day. I signed an agreement to pay bi-weekly payments of {$160.00} until the total amount was paid off in full with the benefit of not having to pay the finance charge if paid in full by XX/XX/year>. I was informed on XX/XX/XXXX that American First Financial automatically withdrew {$1900.00} on XX/XX/year>, from the previously approved {$5000.00} funding of which I had been making on-time payments to bringing my new financed amount to {$3000.00}. American First Finance continues to attempt to collect a finance charge from the {$5000.00} amount financed even though I did not finance {$5000.00} from them and we have proof that I factually only financed {$3000.00}. They have threatened to add their finance charge of an additional {$1300.00} to my remaining balance of {$1800.00} if it is not paid in full as of XX/XX/year>XXXX  and refuse to acknowledge the need to update the finance charge amount which is not accurate according to what I actually financed and what they took back on XX/XX/year>. You can not finance out money, take it back, and still fraudulently charge on top of that money what I did not factually finance from you. I did not use the money because they took it! I still needed the funding and my teeth are still missing with work scheduled to be completed on XX/XX/year>XXXX  which is why I needed the funding still.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I asked transuion to provide verification that I owe XXXX  XXXX XXXX XXXX  this fraudulent amount of ( {$3100.00} ) I never signed a lease agreement with this amount. Its been well over 90 days and I have still not heard from transuion or XXXX XXXX XXXX. I have all of my rental payment receipts. Transuion refused to remove XXXX XXXX XXXX and also fair collection and out source agency. The information that is being reported is inaccurate and fraudulent. Please have this resolved by removing off of my credit profile ASAP. I have attached all my rental payment receipts and lease agreement.

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 2024-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: ID

Complaint narrative:
I have been receiving repeated phone calls all from toll free numbers with area code XXXX. 
Starting XX/XX/year> : XXXX, call back number on message XXXX. 
XX/XX/year> : XXXX XX/XX/year> : XXXX : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX They say the are from LLC receivables LLC DBA RMP Services LLC. They never tell me what it's about but ask me to call them back. Clearly, it's a scam. 
XX/XX/year> : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2024-12-12 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2024-12-12 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There would and still is times where pending transactions wont reflect when transaction occured, leaving the balance at an incorrect balance. When you think you have the money and a third party tries to take their cut its an overdraft fee or returned check fee what they call it. I dont have dates because they can delete anything on the message side that wouldve provided all the dates and items. I have a problem with a auto loan where i have a e-promissory note for the vehicle i currently have but everything is different on there and it doesnt reflect whats on the app/website that ive been paying. I never knew that if you go inside the bank to get a loan that it doesnt transfer that e-promissory note online to connect with your account. All of my car 's info is on the promisssory note but an associate said that had been cancelled but it doesnt say canceled on it, it says approved but they sent me another one reflecting everything ive been paying from start so thats very confusing! I dont like that they've deleted all my messages from years ago where ive said something about returned check fees some that were mistakes on their behalf, and some really due to insuffient funds. Nobody really knows whats sitting in their bank account when they have a XXXX things pending to take so the balance they say at the top of the account is never really correct unless you dont spend anything. I have returned some merchandise from a retailer, and all the items are pending to post in the account as neg. transaction and then they have the same amounts as pos. pending in the account. very confusing when it should just say positive ( youre getting this money back into your account ) not take away then add.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 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: MS

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX reported to chex system that there was suspicious activity with my account. that information is 100 % incorrect.. I was a victim of a payday loan scam. I cooperate and provided documents to XXXX  XXXX XXXX, the name of the person who who did the scam and activity. Nobody from XXXX XXXX XXXX ever contacted me from my side of the story I had to contact them and provide documentation of who the person was and what company they came from and I was about that XXXX XXXX XXXX reported negative and inaccurate information to check system and now I cant open a bank account anywhere

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 2024-12-12 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: RI

Complaint narrative:
I endeavored to process my automobile loan payment online. XXXX XXXX provides usernames for their customers, and I had an established account where I always made my payments online. However, I encountered difficulty resetting my password, so I reached out to XXXX XXXX for assistance. After a few attempts, they reset my account, but I still faced challenges setting my password. Following multiple unsuccessful login attempts, I realized that my last name was misspelled on the system, with the last two letters reversed. After seeking guidance from a representative, I successfully updated my username and reset my password, enabling me to make the payment online. Despite the payment being made on XX/XX/XXXX, it was not processed until midnight, technically marking it as XX/XX/XXXX and resulting in a perceived late payment. Following a detailed discussion with a representative named XXXX from the office of the president at XXXX XXXX, my concerns were investigated and acknowledged. However, my request for a conversation with their employees was denied in writing, without offering an immediate resolution to the situation. It is essential to note that the payment was initiated on XX/XX/XXXX, and therefore, I should not have incurred any late fees or negative marks on my credit 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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: KY

Complaint narrative:
I am writing to formally dispute the information currently reported on my credit report. After thoroughly reviewing my credit history, I have found that all the reported data is inaccurate. I request that you delete these inaccuracies immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information in my credit report. The FCRA mandates that credit reporting agencies investigate disputed information, typically within 30 days, and remove any information found to be incorrect. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) protects me from any deceptive practices or misrepresentation by debt collectors.

I request that the erroneous information be corrected and that an updated copy of my credit report be sent to me. Thank you for addressing this matter promptly, as required by law.

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 2024-12-12 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: KY

Complaint narrative:
I am writing to formally dispute the information currently reported on my credit report. After thoroughly reviewing my credit history, I have found that all the reported data is inaccurate. I request that you delete these inaccuracies immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information in my credit report. The FCRA mandates that credit reporting agencies investigate disputed information, typically within 30 days, and remove any information found to be incorrect. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) protects me from any deceptive practices or misrepresentation by debt collectors.

I request that the erroneous information be corrected and that an updated copy of my credit report be sent to me. Thank you for addressing this matter promptly, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
XXXX XXXX SS # XXXX birth XXXX contents of Complaint This CFPB complaint has been filed to request pursuant to FCRA s 605B ( 15 U.S.C. s 1681c-2 ) that you Equifax credit reporting agency provide the method of be for items disputed in my recent complaint. Under the Fair credit Reporting Act ( lFCRA ) s 611 ( 15 U.S.C s 1681 ) I have the right to know the method and source used to verify the disputed information on my credit report. Please provide the following within-4 days of receipt of the letter. The sources of information used to verify the disputed items. Documentation or evidence supporting the verification. Ad detailed explanation of your verification process if you are unable to provide this I request that items in question be immediately deleted from my credit report, as required under FCRA s 611for unverifiable information. Non-compliance will result in legal action for willful and negligence items claimed to be verified, along with previous FTC report.

Company response to consumer: Closed with non-monetary relief