vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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 2024-07-16 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: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington bank allowed XXXX fraudulent checks to be cashed the same day to the same person ( XXXX XXXX ) who I do not know without validating a valid signature on XX/XX/year> in the total of {$1400.00} and {$1800.00}. It went to an investigation and they speculated that I had not secured my checks properly but they have always been in a locked location and denied the forgery claim. Reference number XXXX. Because it was memorial weekend I couldn't do anything until the following Monday and the checks had cleared by the time I could do anything. I have closed the account since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I contacted TD Bank at the end of XX/XX/year> after I noticed multiple fraudulent charges on my card and the 2 authorized users. Two months passed before I reached out to TD Bank for a status update and they told me it was denied because they were charges I made in person with my credit card, which was completely untrue. They reopened the investigation and denied it again a few weeks later for the same reason. This is all in spite of the fact that I told them I had the credit card with me at all times in NJ and these charges were being made in CT and PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I had a balance of XXXX. The account was due on XXXX XXXX XXXX. I paid by phone on XXXX XXXX 2024 and asked for a total balance was told XXXX which I paid that day. Then got another bill for XXXX called and asked why they said on XXXX XXXX after the total balance was paid there was an interest charge of XXXX and then they charged a late fee on that interest charge for a total of XXXX. I called and asked to have the late fee removed and pay the XXXX they said no. Now they have added another late fee of XXXX on XX/XX/XXXX I called today and they said they were putting another one on tomorrow for a total of XXXX late fees. I have tried to work with these people but they are definite that have a right to do this. I am XXXX XXXX XXXX and live on social security and have to pay when I get paid so that is why it was 3 days late. I did cut the card up when I paid what I was told was the balance and need help with this as it is being put on my credit account. I asked for a supervisor and got nowhere with getting this taken care of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-16 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: AL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Inquiries and accounts I do not recognize are continued here. 
XX/XX/scrub>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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never lived at these addresses and I do not know these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I settled a debt in collection with True Accord for my XXXX account that were collecting on behalf of XXXX XXXX XXXX, XXXX.. They are still reporting that I owe a balance. I made XXXX payments of XXXX on a XX/XX/year> and XX/XX/year>. I've made multiple complaints through the credit bureaus saying this account was settled but they have disputed my claims. I have emails showing that payment plan we agreed upon and refused to remove it off my credit 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 2024-07-16 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXXXXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXX have resulted in undue harm to my financial reputation and stability. 
XXXX XXXX XXXXXXXX Balance Owed : {$450.00}

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 2024-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received an offer from Regions saying that I was prequalified for Regions XXXX XXXX Loan or a Regions XXXX XXXX Line of Credit. I applied and was told that I was not approved because in order to be eligible to accept my offer, I must have an open Regions savings or money market account with an available balance of at least {$260.00} and must have a Regions checking account. I in fact have those qualifications except the money market account. I have a XXXX account and a XXXX account with more than {$260.00}. I'm attaching proof. Thanks

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 2024-07-16 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-16 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: MD

Complaint narrative:
This is not my account I don't recognize this account and would like for it to be removed from my credit report. I contacted the company they said they would remove the account but haven't. It is severely impacting my ability to function and obtain credit to live. This account needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This account has been closed on XX/XX/year> complaint XXXX by XXXX XXXX l am writing to formally file a complaint against National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ) and failing to validate a debt as required by law. On multiple occasions, I contacted National Credit Systems to request validation of an alleged debt and to instruct them to cease all further communication with me until the debt was validated. Despite these requests, National Credit Systems has continued to contact me without providing the required validation of the debt. Here is a detailed summary of my interactions with National Credit Systems : Email Communication : On XX/XX/year>, I sent an email to National Credit Systems requesting that they validate the alleged debt and cease all communication until such validation was provided. Follow-Up Email : On XX/XX/year>, I sent a follow-up email reiterating my request for validation of the debt and for them to cease contacting me until validation was provided. Telephone Communications : On XX/XX/year>, I called National Credit Systems to verbally request validation of the debt and to instruct them to cease contacting me until such validation was provided. On XX/XX/year>, I spoke with a representative named XXXX XXXX, once again requesting validation of the debt and instructing them to cease all communications until they provided such validation. Despite my clear and repeated requests, National Credit Systems has failed to provide any validation of the debt and has continued to contact me, in direct violation of 15 USC 1692c ( c ). Under this section of the FDCPA, if a consumer notifies a debt collector in writing to cease further communication, the debt collector must cease communication except under specific conditions that do not apply in this case. Additionally, they have not fulfilled their obligation to validate the debt as required under 15 USC 1692g. The ongoing and unlawful contact from National Credit Systems has caused me significant stress and inconvenience. Therefore, I am requesting the CFPB to take immediate action against National Credit Systems to enforce compliance with the FDCPA, ensure that all unlawful contact ceases, and that the debt is validated as required by law. Please find attached copies of my email communications and summaries of my telephone conversations to support my complaint. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX - XXXX XXXX XXXX - XXXX XXXX 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 2024-07-16 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: TN

Complaint narrative:
I have an account with credit strong account # XXXX and credit strong reports to all XXXX credit Bureaus but Experian is failing to report my account on my credit report which is hindering me to obtain credit from lenders because my report isn't accurate with the other XXXX Bureaus see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violate my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-07-16 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: MI

Complaint narrative:
I am doing this report for Transunion. They know which inquiries on my credit report are fraudulent. I had to fill this out for Transunion purposes.

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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have Citi credit cards. I opened a Citi savings account to pay down those credit cards. I deposited XXXX {$2000.00} checks from XXXX into that savings account. I began making payments from that savings account on those credit cards. I had autopay scheduled on at least XXXX of the credit cards. 

Citi then proceeded to summarily cancel the autopay function, close the savings account, charge the savings account for the autopayment, tell me the payment failed, and then tell me repeatedly I have a past due payment. 

I have received random letters from Citi. I have called them each time I receive a letter - either electronically or by U.S. Post. Each time, I have documented the conversation with Citi. Each time I get walked in circles with nothing to show for it except clearly understanding my voice does not matter. They are going to do whatever the XXXX they want to do. 

I have sent so much documentation only to have received a piece of mail from you yesterday saying you could not go through with a complaint against them. Then the rest of the mail said here is how to file a complaint. 

How about you do it right the first time?

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 2024-07-16 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: Chime Financial Inc
State: TX

Complaint narrative:
Someone unauthorized a withdrawal from my chime stride bank account. I filed a police report and gave them all of my documents as well as a police report and the claim was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
As instructed by Loan Depot LLC, I mailed a certified check on XX/XX/year> in EXCESS of my monthly contractual mortgage amount ( required monthly payment {$2.00}, XXXX and certified check was for {$2600.00} ). Instead of applying my payment towards my loan account ( # XXXX ), Loan Depot sent me a discernment check for {$630.00} ( which has yet to be cashed as Im not perpetrating fraud ). Why was the consumers cash payment not applied ( in its entirety ) towards the debit if your accounting is not evidence of fraud? What is?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
It keep refreshing on my credit every month as a new car loan when its been closed for over a year and some. The address on the loan is inaccurate I have t lived at that address since I was XXXX. The XXXX XXXX XXXX, XXXX XXXX XXXX is the wrong address. The place it says I got the car from is incorrect and its not in my possession anymore but they keep refreshing it on my credit as if its a brand new loan which is blocking me from building my credit up. Wells Fargo is breaking 15 U.S. Code 6802

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 2024-07-16 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief