vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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 the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-07-03 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: VA

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 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 2024-07-03 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: WA

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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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 2024-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TX

Complaint narrative:
My funds from the federal government my XXXX taxes were sent to US bank in error by my XXXX XXXX. Once the irs was able to track down were my funds went they provided me the contact information for the bank. I have been working on this for months and nothing has been resolved my funds of XXXX were sent to this bank that does not have my name or my joint spouse name on the act it is not ours we do not bank with them and it was sent in error. The irs stated US bank should have rejected the taxes and returned my funds back to the irs. They did not and will not help me everyone I have talked to acts as if its not a big deal to them I spoke to mangers and even asked for the number to coorperate. The bank is called US bank there number that the irs provided me with is XXXX XXXX XXXX. I was told to contact them by the irs to have them send the funds back to them since they stated my funds should have never been able to through to an account that doesnt have mine or my joint partner listed and the bank should have rejected and returned the funds. The bank has not helped in anyway stated they would call me and update me and have not done so when I call someone gives me a different answers Im stressed and tired of dealing with this its causing so much anxiety and Im about ready to sue this company for causing me so much stress and not just simply returning my federal income taxes back to the irs. Please help 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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

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 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 2024-07-03 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: Experian Information Solutions 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 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 2024-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: MD

Complaint narrative:
The company/an court are working to sell my property using falsified copy documents. 
The company and the courts are violating Federal Law 15 USC 169B ( 2 ), 15 USC 169E ( 3 ), 15 USC 169C ( 2 ).

The debt collector company is trying to force me into a contract that I do not consent to nor accept. 

This is a communication from a debt collector. I don't have a contract with the trustee of the court record. 

The company and or the courts have publicized on record that they're selling my property XX/XX/year> without my consent.

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 2024-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I recently received notification from Marcus XXXX that my savings account had been closed without prior notification on XX/XX/year>. Upon contacting customer service several times since XX/XX/year> and undergoing identity verification through security questions, I was informed that my identity could not be verified in their system even though I was able to provide all the information they asked such as security questions. I communicated that while I no longer require access to my savings account since it has been closed, I am seeking clarification on when the funds will be transferred back to my checking account within the Marcus system. They have repeatedly assured me that they will contact me regarding verification within 1 to 3 days, but it has been 5 business days and I have yet to receive any communication from them. The amount on the account was XXXX USD +APY %. I have to make a payment for my living, but Marcus is holding my money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
Account ending in # XXXX American Credit Acceptance Amount {$22000.00} I believe my rights were violated because I never gave permission for this account information to be reported. This situation has caused me financial and credit devastation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to certain protections and remedies when m

y rights under 15 U.S. Code 1681b ( a ) ( 2 ) are violated. These may include bu
t are not limited to : Account Deletion and my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: WV

Complaint narrative:
On XX/XX/year> I was sitting in my house watching television. Next thing I know my phone is being blown up by my credit karma spend account with purchases ( I have notifications set up to let me know when my card is used ). I notice there are numerous unauthorized transactions happening and I immediately log in and block my card. These individual ( s ) continued to try to make transactions but they were denied. I was able to stop XXXX transactions in their steps by canceling them but XXXX for XXXX in the amount of {$XXXX} was pending and I could not cancel it so I immediately called Credit Karma XXXX account XXXX then and there. I was told by the customer support agent that there was nothing they could do I needed to wait for the transaction to clear and then dispute it. I even questioned that there wasn't anything else and they assured me that was all they could do and everything would be fine. As soon as the transaction cleared I went on to dispute it. I went through the process and was provisionally given my {$XXXX} back. Part of this process included having to get a whole new card and keep a close eye on my account. Since I no longer felt I could trust credit karma I moved my money to my other bank account. Weeks later XXXX XXXX came back with the decision to not grant/approve my dispute and made my account negative in the amount of {$XXXX} because they took back the {$XXXX}. I have fought and fought them over this decision. I asked them to send me the proof that I authorized this transaction and all they could send me was an address and a last name that it went to all if which included the state of XXXX  when I do not even live near there and a last name that is not my own or anyone related to me. I told them my physical address, the state I reside, and my name. None of the information matched. I told them I took all the necessary steps to try to stop the transaction and what I was told by their agent. They even seen the proof where I stopped the other big purchases that were in XXXX XXXX, as well. Now every time I call them, they hang up on me. I do not feel this is my responsibility or fair to me. I have sent them emails regarding this matter, as well, and they seem not to care. I'm to the point that I'm ready to take legal action for the stress this is causing me and the potential it has to mess up my credit. I must note, as well, that I tried disputing this from XXXX, too, but they can not without credit karma admitting this was a fraudulent purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX 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 XXXX, XXXX, AND XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XXXX, I received a letter attempting to collect a debt on a credit card that I never opened. I ran my credit report and found that this XXXX XXXX card was opened in XXXX  and closed which I never did so I had no knowledge of this card or debt until today 's letter. I believe this card was opened fraudulently. I have put a freeze on my account through the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) and am going to write a dispute to the collector explaining the situation. I have disputed this card with XXXX and XXXX via online reporting but have not been able to dispute it with XXXX yet. The amount outstanding on the XXXX XXXX card is {$3500.00}. I will also file a local police report about this case in the coming week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: IN

Complaint narrative:
The balance and/or past due amount are/is incorrect. The amounts, other than balance and/or past due, are incorrect. Delete this account from all three bureaus. Account was closed XXXX  years ago and is now showing open. It was closed status. This account violates the law. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The balance and/or past due amount are/is incorrect. The amounts, other than balance and/or past due, are incorrect. Delete this account from all three bureaus. Account was closed XXXX  years ago and is now showing open. It was closed status. This account violates the law. 

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 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-07-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I opened a CD on XX/XX/XXXX and it was to mature on XX/XX/XXXX. 
I never received any letters or emails from the bank about the maturity and disposition. 
All of a sudden I received an email that they have renewed the CD for a period of 9 months without my authorization or consent. 
Since I received the email, I contacted the bank and asked them who authorized this., because I did not want to put the money for that period. 
I am elderly with XXXX female. I argued with the customer service, but they didnt want to do anything. 
If I wanted to break the CD, they would charge penalty. To me, this is wrong and they are cheating me. 
I dont know if this is fraud. 
I need your help ASAP.

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