vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX 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 ( MONTHS REPORTING LATE ) to be removed.

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

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


( XXXX XXXX XXXX ) 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

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 2024-07-23 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: IL

Complaint narrative:
My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) to be removed.

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

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


( XXXX XXXX XXXX ) 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

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 2024-07-23 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: MI

Complaint narrative:
I opened a loan at XXXX and due to my XXXX and being on Social Security XXXX, I was unable to finish payment of the loan. However, XXXX and their associates and managers have taken a personal interest in hurting me as much as possible. They keep changing the original loan date, currently they are stating I opened my loan on XX/XX/year>. This is false reporting out of vengeance to continue to harm my character and XXXX XXXX. This date, XX/XX/year>, is the most recent date they reported that I opened my loan, in response to my numerous disputes that this account is well over XXXX XXXX XXXX. Every time I dispute that this should be removed due to the timeframe, XXXX changes the original date of the loan, so that it NEVER comes off my credit report. This is false reporting and a criminal act to DELIBERATELY harm me. I want this debt removed based on the true age of the account. I have recently been denied housing due to XXXX 's FALSE REPORTING. Also, TransUnion will not take it off my report even though I have explained this situation to them. Please help me this is so wrong, and it's destroying my character to landlords and creditors are harshly judging me due to this FALSE AND DELIBERATE reporting.

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 2024-07-23 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: LA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple requests for thorough investigations into these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
Summary : First National Bank classified my second home as an investment property. They are now telling me, due to this erroneous classification, I need 35 % equity in the home in order to eliminate PMI, despite the fact that all the loan documentation I signed at closing indicates 20 % ( and it auto terminates at 22 % on XX/XX/XXXX ). 
At no time during the lending, closing, etc. process was there a discussion about 35 % equity to eliminate PMI. In fact, my original Loan Officer has confirmed she has never even heard of such a requirement. 
I have tried for a month to get this resolved and I can barely get anyone respond. 

Details : On XX/XX/XXXX, I reached out to my lender ( First National Bank ) indicating I wanted to cancel PMI and requesting information on what I needed to do to get the process started for proving I have > 20 % equity in the home. I am attaching an email ( Exhibit_A ) showing the the entire conversation with my original Loan Officer. 

On XX/XX/XXXX, I received a call back from XXXX ( mortgage servicing dept. ). 
He indicated I needed to have 35 % equity in the home since it was done as an investment property, versus the 20 % as indicated by my loan docs and my direct Loan Officer. I told him that's not what I agreed to and asked him to escalate the request. He said he would get back to me later that day. Since then, I have left a few voicemails and he has never returned a single call. 

I continued to try and work through my original Loan Officer to obtain a resolution. On XX/XX/XXXX, she indicated she received a response that I needed 35 % and that " they '' are sending me a letter. She said she has never heard of a 35 % requirement and neither has anyone else in her office ; therefore there's no way this was ever communicated to me. Again, the loan documentation I signed clearly states PMI can be canceled at 80 % ( and will auto terminate at 78 % ). To date, I have never received a letter. 

Finally, today ( XX/XX/XXXX ), as I type this complaint, I received a follow-up call from XXXX ( mortgage servicing dept. XXXX XXXX 's superior ). She is telling me I need 35 % equity to eliminate PMI and there's nothing she can do except escalate the issue to someone higher. 

Again, my loan documentation ( attached ) clearly states I need 20 %, not 35 %, to cancel PMI. The bank is refusing to make this right and take the necessary steps to correct the issue they caused. Given it's been almost a month without any resolution, I have very little confidence FNB will provide a satisfactory response. Satisfactory = tell me what steps I need to take to prove 20 % equity and then eliminate the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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:
I am writing to inform TransUnion that I am disputing erroneous information that is being reported by XXXX XXXX XXXXXXXX XXXX.as reported on my credit report. account # XXXX XXXX XXXX XXXX XX/XX/year> - I called ( XXXX ) XXXX and spoke to and mailed a certified letter via USPS - XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX  " Customer Solutions Manager '', pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), that they provide me with the following information : 1. Verification of the Debt : Documentation that verifies the existence of this debt, including the original creditors name, account number, and the amount owed. 
2. Proof of Assignment : If XXXX XXXX XXXX, XXXX is not the original creditor, provide evidence of the assignment or purchase of this debt. 
3. Itemized Statement : itemized statement detailing the charges, interest, and fees associated with this debt. 
4. Cease and Desist Communication : Pursuant to the FDCPA, and that they cease all communication with me until they have provided the requested information. 

XXXX XXXX stated that XXXX XXXX XXXX, XXXX could not provide me with either the assignment or purchase agreement for this debt, because they did not have one. 

15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
1. Accuracy of Information : A person who provides information to a consumer reporting agency must ensure that the information is accurate. Specifically : o They can not furnish information they know to be inaccurate. 
o If a consumer notifies them of inaccuracies, they must correct the information1.

15 U.S. Code 1692g governs the validation of debts under the Fair Debt Collection Practices Act ( FDCPA )

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 2024-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I recently were affected by hurricane beryl. I was without power for 6 days, my job has been affected as well. We are closed until damages are repaired. I thought that I would have been approved for XXXX assistance by now and could have gotten caught up on bills however my application is still pending. I am in need of assistance to push 2 of my loan payments back. Ive tried to reach out to Capitol one auto directly and spoke with 2 different departments that told me they are unable to help due to this being a new loan but they stated they do not have an extension options for me at this time. Ive reached out via online on XX/XX/year>, which prompted me to call and speak with someone directly. I called via phone twice on XX/XX/year> and have spoken to 3 different representatives that explained the same thing. I understand this is a new loan but natural disaster are out of the control of people and companies should provide options for thier consumers no matter the length of thier agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-23 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

All correspondence should be sent to my attention at the above address.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got my XXXX bill yesterday and I called the company right away. They were paid {$110.00} because they claimed that they did not get my check which they got. And charged me late fees. Paid them {$78.00} with my check that is not on the statement. XXXX bill is paid. And now want me to pay {$230.00}. I do have All my statements and checks beside the payment made from my phone. I have no problem with any credit card company about payment. Or that I have to pay half of any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : Request for Removal of Bankruptcy from Credit Report I am writing to formally request the removal of a bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy can be reported for no longer than XXXX years. However, XXXX XXXX  bankruptcies can typically be removed after XXXX years from the date of discharge, and XXXX XXXX bankruptcies can remain for XXXX years from the date of filing. 

The bankruptcy in question was filed on XX/XX/year> and was discharged on XXXX XXXX and it has now been XXXX years since the discharge date. Under Section 605 ( a ) ( XXXX ) of the FCRA, the credit reporting agencies are required to remove this information from my credit report after XXXX years. 

The details of the bankruptcy are as follows : - Bankruptcy Case Number : XXXX - Filing Date : XX/XX/year> - Discharge Date : XX/XX/year> Given that the XXXX-year period has elapsed, I kindly request that this bankruptcy be removed from my credit report. Enclosed, you will find a copy of my credit report highlighting the bankruptcy entry, as well as documentation verifying the date of filing and discharge. 

Please provide written confirmation of the removal of this bankruptcy from my credit report within 30 days of receipt of this letter. Should you need any further information or documentation, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX

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 2024-07-23 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: TX

Complaint narrative:
I have to refile this complaint to TRANSUNION because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.

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