vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 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:
My account with 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 in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected Consumer right to privacy and confidentiality under 15 USC 1681 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  All of these companies has violated my rights.

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reported agency can not furnish account without my written instructions.

15 USC 1681C.A5 section states no consumer reported agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 USC 16 81S 2A1 a person shell not furnish any information related to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is in accurate I requested validation of debt and also my information was sold to several third parties. company I am requesting that these accounts be removed immediately or I will move forward to persue legal actions

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 2024-08-09 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected Consumer right to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct numbers XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Achieve personal Loan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of these companies has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reported agency can not furnish account without my written instructions.

15 USC 1681C.A5 section states no consumer reported agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 USC 16 81S 2A1 a person shell not furnish any information related to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is in accurate I requested validation of debt and also my information was sold to several third parties. company I am requesting that these accounts be removed immediately or I will move forward to persue legal actions

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 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
Lakeview loan servicing just put a new interface on their web site. as a condition for doing. 
business with them online users are required to : XXXX. Allow them, Lakeview loan servicing, XXXX XXXX, XXXX XXXX XXXX and others to access and pull my XXXX XXXX and share them with their partners and affiliates. This is an unwanted invasion of my privacy! 
XXXX. I have to accept unwanted telemarketing calls and solicitations from XXXX XXXX, Lakeview Loan Servicing, XXXX XXXX XXXX, others, and their affiliates despite being registered on the XXXX XXXX XXXX. I have to allow XXXX and others to send XXXX XXXX to my phone for product solicitations In order to see any of my account data, I had to agree to those terms just to validate that my payment had been made and attributed to the account, I agreed. Immediately after I got the information I needed, I sent the XXXX XXXX XXXX website administered by XXXX XXXX XXXX ( Opt-out a request - Case XXXX ) an XXXX to the support to rescind any permissions associated with all their terms of service. 

Despite it being during normal business hours, the only thing I received from them was a case number assignment, which did not concur with my request.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-09 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: IL

Complaint narrative:
This account, linked to a vehicle that was fraudulently registered in my name using a XXXX XXXX, has been the cause of XXXX XXXX. I complied fully with XXXX XXXX XXXXXXXX XXXX XXXX requests to address this matter, including providing a police report and an affidavit detailing the crime committed against me. Despite this, I was asked to fraudulently back date legal documents that XXXX management mailed to me, and upon doing so they sent all of my personal information over to another collection agency [ XXXX XXXX ] without my knowledge or consent, asking me to falsify documents, which is not only unethical but also illegal. Additionally, despite my efforts to clarify the situation with their XXXX and a XXXX, this fraudulent account has not been removed from my XXXX XXXX. I want to remind you that I have informed your agency multiple times that the vehicle in question was never insured, and the dealership responsible for this fraudulent activity was closed down by the FBI following an investigation. The continued presence of this account on my XXXX XXXX is unacceptable and damaging to my financial standing.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Clarity from Experian does not give met credit report stating wrong information.

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 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In review of my XXXX XXXX  I came across quite a few inquiries that are not mine.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX may make any XXXX XXXX containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-09 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: MI

Complaint narrative:
There is an account with XXXX on my XXXX XXXX which is inaccurate. The creditor being reported is not correct. The company that is currently in charge of the debt is XXXX XXXX. I also would like to add that the reported amount owed is inaccurate. My XXXX XXXX states that the amount owed is {$150.00}, the statement I received from XXXX XXXX states the amount owed is {$180.00}. You will find the document sent from XXXX XXXX attached to this complaint.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is an account with XXXX on my XXXX XXXX which is inaccurate. The creditor being reported is not correct. The company that is currently in charge of the debt is XXXX XXXX. I also would like to add that the reported amount owed is inaccurate. My XXXX XXXX  states that the amount owed is {$150.00}, the statement I received from XXXX XXXX states the amount owed is {$180.00}. You will find the document sent from XXXX XXXX attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. XXXX XXXX XXXX  STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX  CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-08-09 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: NY

Complaint narrative:
I am formally demanding that Account name : # XXXX Name : XXXX XXXX Account name : # XXXX Name : XXXX XXXX Account name : # XXXX : XXXX XXXX XXXX Account XXXX : # XXXX : XXXX XXXX XXXX immediately XXXX and XXXX all communication with me regarding the alleged debt. This demand includes the deletion of any negative information related to this debt from my XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), a consumer has the right to request a debt XXXX XXXX further communication. Moreover, a consumer report is considered a " medium of communication '' as established in the case XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. 2008 ). In this case, the court confirmed that a credit report falls under the definition of a medium of communication. Therefore, the continued reporting of this debt on my XXXX XXXX violates my rights under the FDCPA. I expect immediate action to rectify this issue.

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 2024-08-09 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:
On XX/XX/2024, I submitted a dispute on Experian for account XXXX XXXX XXXX XXXX XXXX, I stated that I was not late for the month of XX/XX/2024. On XX/XX/2024, the Account came back as " XXXX ''. A noticeable change was that now XX/XX/2024 is reporting as NO DATA and now XX/XX/2024 is reporting XXXX  days late. Which is not only inaccurate but all they did was just put the XXXX day late payment in another spot in an effort to not have to remove it. This very scenario has happened multiple times before on various accounts. If there was a true investigation done, the late payment would have been removed. But like always, to get rid of me as soon as possible, Experian makes tiny little insignificant updates to make it look like they did something, when in fact there was no investigation. At this time I demand a reinvestigation, an honest and thorough investigation. After all it is my right as a consumer to request a complete and accurate credit file. According to FCRA XXXX. XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a XXXX XXXX XXXX when such information was obtained directly from a creditor of the consumer or from the consumer. Please XXXX Investigate this account and if it is incomplete, inconsistent, blatantly inaccurate, or unverifiable in any way, the account in question must be removed from my credit report. I greatly appreciate you 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 explanation
Consumer complaint received 2024-08-09 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have inaccurate information reporting to XXXX XXXX. This bank is no longer a company. There is no way to reach this bank and when I asked for validation of debt it wasent provided by XXXX XXXX, yet it came back verified and they failed to remove this account. XXXX XXXX is a XXXX party company so my question is how and who verified this information. Below I copied and paste the information that was given to me by XXXX XXXX. I also have some inquires thats reporting to XXXXXXXX XXXX thats not valid. Everything is copy and pasted below. 

Source of Information : SUNTRUST BANK ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : Telephone Number Not Available Reported For : OVERDRAFTS ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX Date of Closure : XX/XX/XXXXXXXX XXXX # : XXXX XXXX Original Charge Off Amount : {$360.00} Core Sat XXXX XXXX XXXX XXXX XXXX thats also being reported are attached below Inquires : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from mXXXX XXXX XXXX  according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation