vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Update 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 2025-02-19 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one 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 2025-02-19 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WATERSTONE MORTGAGE CORPORATION
State: FL

Complaint narrative:
This mortgage was through the XXXX XXXX, Florida branch. Didn't know if you wanted corporate address at the end or the branch I dealt with. 

Summary : Interest Rate lock expiration date, used to extend rate lock when builder doesnt finish on time, and the fee the mortgagee pays.

Which rate lock expiration date do you use, the one in the initial loan estimates, or one generated from app before closing, or the one in your signed closing papers?

The mortgage company was at fault for the delays.

Why should the mortgagee have to waive all rights in order to get the extension?

I had a 30 year fixed 3.75 % mortgage. I lost that because my builder didnt complete on-time and I was unable to sign the rate extension documents. I would have had to sign documents saying I agree and waive all my rights to question fees, etc. I did not agree because I felt XXXX XXXX did not follow the rules on the rate lock form which said The rate lock period ( inclusive of the Rate Lock Date and the Rate Lock Expiration ) must be long enough to cover the time necessary to complete the construction and satisfy all necessary steps to modify into the permanent loan. The rate lock document and initial disclosure package ( including LOAN ESTIMATES ) were processed XX/XX/year>. I had also requested that they use the terms of the construction agreement, which would have been lower, but they wouldnt. 

At the time XXXX XXXX processed this document, it is my understanding that he had hired XXXX XXXX to take over the previous employees accounts, that she had no construction experience, but she would be mentored by XXXX XXXX and his group. 

XXXX XXXX introduced herself in an email XX/XX/year> and also informed me all financial documents would have to be resubmitted because the XX/XX/year> documents were too old to use. 

The single-close construction through refinance closed XX/XX/year>. When my builder failed to finish the build on-time, XXXX XXXX used the original documents dated XX/XX/year>, to determine fees. He did not use the XX/XX/year> documents to calculate the rate lock extension fees. 

The delays in closing were caused by Waterstone Mortgage, not me.

I found several documents online that are similar, delays in closing, rate lock extensions, etc. Ive copied a few links below. 

XXXX XXXX XXXX XXXX XXXX XXXX Im probably including too much documentation, but I want someone to realize what I have gone through from the day I started the mortgage process with Waterstone Mortgage, whose corporate offices are in my home town, to now.

s.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report related to my former XXXX auto insurance policy ( Policy Number : XXXX ). 
Creditor Name : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX Insurance My XXXX auto policy expired on XX/XX/XXXX, and I did not authorize any renewal or extension. 

However, XXXX unilaterally extended the policy for 18 days and billed me for this period. Since I had not requested this coverage, I did not make the payment, and the balance was wrongfully sent to collections. 

I later settled this collection on XX/XX/XXXX, and my account balance is now {$0.00}. Despite this, the collection remains on my credit report, severely impacting my credit score. My credit score is dropped from XXXX to XXXX just because of this unauthorized collection notice reporting. 

Since this was an unauthorized extension and not a valid debt that I agreed to, I request that this collection account be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter and remove the collection from my credit report. I would appreciate a written response confirming your actions. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Update 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 2025-02-18 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: CA

Complaint narrative:
The date of the first delinquency you have does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy Im taking into consideration that The CFBP is suing you as well Im also requesting full disclosure of The XXXX of my profile

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 2025-02-18 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: CA

Complaint narrative:
The date of the first delinquency you have does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy Im taking into consideration that The CFBP is suing you as well Im also requesting full disclosure of The XXXX of my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
The date of the first delinquency you have does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy Im taking into consideration that The CFBP is suing you as well Im also requesting full disclosure of The XXXX  of my profile

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 2025-02-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I would like to file a complaint regarding my Certificate of Deposit ( CD ) with MTBank. My CD expired on XX/XX/XXXX, and I did not want to renew it. However, I never received any notification about the expiration, and I only became aware of it last week. Unfortunately, due to personal reasons, I am currently outside of the United States and unable to visit a local branch to resolve the issue. 

When I called previously, the agent assured me that I did not need to worry as I had a 10-day grace period, which was stated to be in business days. However, when I called today, I was told that the grace period is actually 10 calendar days, and that my CD had automatically renewed with a significantly lower interest rate, which is only one-fifth of the original rate. This is completely unacceptable. 

When I explained that I am abroad and can not return to the U.S. to handle the situation, I was still instructed to go to a local branch and was told that there is nothing they can do. I can not accept having my funds locked for another 6 months, and I urgently need access to my money. 

I request immediate assistance to resolve this issue, as the current situation is unfair and unreasonable.

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 2025-02-19 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I opened a claim with Wells Fargo in XXXX regarding me making payments on a business car that me and my ex business partner had but the business partner filled bankruptcy my ex business partner submitted a notarized copy saying she is keeping the car and filled bankruptcy a XXXX XXXX she is on a 5 year plan with a trustee however I submitted my claim and proved them proof I have the email that I submitted my signed notarized letter however they sent me a letter today dated XX/XX/XXXX that I did not submit my information for them and they requested when I did this is not fair and inconvenient

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 2025-02-19 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: NY

Complaint narrative:
XX/XX/XXXX Dear EXPERIAN, EQUIFAX AND TRANSUNION : I am writing to request that ALL THESE DEBTS BE REMOVED FROM MY CREDIT REPORT, ALL THESE DEBTS BELONG TO A DECEASED PERSON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX XX/XX/XXXX PASSED AWAY XX/XX/XXXX. 
XXXX XXXX THIS IS NOT MY ACCOUNT THESE ACCOUNT BELONG UNDER MY SOCIAL SECURITY NUMBER. 

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  This information is falsely added to my credit report without my knowledge and signature. The mentioned details are incorrect, and I request that you revise the report after due diligence. 
I have requested that you clear my credit report as soon as possible to help me continue my good credit. Requesting signatures not a bill but signatures showing I applied for credit. 
Enclosed is a credit report and ftc report. 


15 U.S.C. 1679c : Gives consumers the right to dispute inaccurate information in their credit reports Thank you very much 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 2025-02-19 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: NY

Complaint narrative:
XX/XX/XXXX Dear EXPERIAN, EQUIFAX AND TRANSUNION : I am writing to request that ALL THESE DEBTS BE REMOVED FROM MY CREDIT REPORT, ALL THESE DEBTS BELONG TO A DECEASED PERSON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX XX/XX/XXXX PASSED AWAY XX/XX/XXXX. 
XXXX XXXX THIS IS NOT MY ACCOUNT THESE ACCOUNT BELONG UNDER MY SOCIAL SECURITY NUMBER. 

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  This information is falsely added to my credit report without my knowledge and signature. The mentioned details are incorrect, and I request that you revise the report after due diligence. 
I have requested that you clear my credit report as soon as possible to help me continue my good credit. Requesting signatures not a bill but signatures showing I applied for credit. 
Enclosed is a credit report and ftc report. 


15 U.S.C. 1679c : Gives consumers the right to dispute inaccurate information in their credit reports Thank you very much 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 explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay. anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: LA

Complaint narrative:
On XXXX, XXXXXXXX XXXX I received a credit report alert of XXXX XXXX  reporting a XXXX XXXX. I immediately called because we've never paid late, ever. Their answer was that XXXX reported a natural disaster in our area in XXXX and I asked, what does that have to do with us. We pay our mortgage every month. She said you will have to write to us. I am sure by the way she spoke to me that they are commiting fraud and falsly reporting deferments to the federal government. I see this isn't the first time with all the online information about them, but they won't play with my credit that is excellent. Please help me. I would like an investigation to prove this and get legal action against them. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation