vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXXXXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I contacted Toyota Financial Services ( TFS ) to purchase my leased vehicle on XXXX XX/XX/year>. The agent emailed the full pay-off amount of XXXX with necessary paperwork to accomplish the action. This agent advised me to stop making automatic payments to the lease with the pay-off amount valid until XX/XX/year>. 

I mailed a check made to XXXX XXXX, XXXX and the completed forms to Toyota Financial Services, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX by certified mail on XX/XX/year>. The post office tracking number : XXXX confirms pick up on XX/XX/year>. 

I have called ( XXXX ) XXXX - XXXX ( TFS ) 3 times. The first date I spoke with XXXX who confirmed receipt of the check and pay-off paperwork as of XX/XX/year> ; XXXX call on XX/XX/year> XXXX ( XXXXXXXX XXXX ) reconfirmed receipt and gave verbal assurance that my account would be back dated to avoid late fees and associated penalties ; XXXX call XX/XX/year> the agent with badge number XXXX  again confirmed receipt of my payment and paperwork on XX/XX/year> but that their processing time is delayed by 30 days. I was again assured verbally that late fees and penalties will be dropped upon their processing of the payment. 

The company continues to send notifications of late payment and accrual of late fees. 

I have now received notification that my credit score is declining due to late payment on this lease. 

I have requested written assurance from XXXX and TFS that the delay is on their end and the representative actively avoid this request. 

I would like a speedy resolution to this issue. The customer should be have the same expectations as the lender/leaser in prompt processing of payments. 

It is of no fault of mine that they are not processing my request in a timely manner. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
XXXX XXXX account XX/XX/XXXX and XXXX XXXX account XX/XX/XXXX showing in collection which was paid off immediately. I was not aware of the amounts I owe due to the address change and never received the bill. I would appreciate it to be deleted as a collection 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 2024-08-13 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: NY

Complaint narrative:
XXXX XXXX account XX/XX/XXXX and XXXX XXXX  account XX/XX/XXXX showing in collection which was paid off immediately. I was not aware of the amounts I owe due to the address change and never received the bill. I would appreciate it to be deleted as a collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: National Credit Adjusters, LLC
State: NV

Complaint narrative:
Im unaware of this debt I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature stating I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My last complaint was on XX/XX/year> and PHH responded on XX/XX/year>. I then submitted a replay and then to see that they closed the complaint. 
So, I want to send the response again so that PHH can see it because I felt like nothing was resolved here by expressing the difficulties it's been dealing with this loan modification and being denied. Here is my response... 
I appreciate the response back from PHH although some of their information has been misinformed from my behalf of their representatives that I have spoken to. I did speak to my relationship manager on XX/XX/XXXX at XXXXXXXX XXXX., when speaking with him I let him know my concerns and what was going on and he informed me that he could have a supervisor or manager call me. On friday XX/XX/XXXX at XXXXXXXX XXXX., the supervisor called me, I explained to her my situation and everything going on and yes, I even said I could make 2 to 3 mortgage payments right now. In return she said to me you have to pay the total balance owed. I explained to her can we work something out and then she said that she would speak to upper management and let them know our conversation. She said they would respond back to me within 24 to 48 hours during business days so that means I should have received a phone call by Wednesday, XX/XX/XXXX. Also, per you letting me know to contact the Ombudsman office and I did call and leave a message on Thursday, XX/XX/XXXX so that means I should hear back from them by Tuesday XX/XX/XXXX, as you stated calls will be returned in 2 business days. I have even sent several emails to many of the emails PHH has referred to me and all I have received is generic email stating they've received.The emails still have not had a response to my question and it has been over the 2 business days time frame. So my point is PHH has constantly told me one thing and did not follow through. It's very frustrating that this matter keeps dragging out and by not responding in a timely fashion as if it states how many business days to do so. Most importantly one of the things that really stuck out for me was " your priority is to help customers remain homeowners. '' I feel that this is not being prioritized and that the 2 business days to respond have not happened on two separate occasions within the last week and a half. I would love for us to work together and have some type of resolution on what we can do to make myself the customer and you as my mortgage company come up with a plan together on how this can be resolved. Again, as you stated " Your priority is to help customers remain homeowners. '' Thank you for your 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 2024-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX I applied for a auto pre approval and was approved, however I discovered on the XXXX of XX/XX/year> that my husband was restricted from our Navy Federal Credit Union accounts and immediately went to our local branch to discuss the matter and found out that someone tried to open a new membership under my husbands credentials. Then while sitting I went onto the mobile app and I was unable to sign on, so the branch mgr contacted the fraud department and was told since my husband is restricted and he's a joint owner on my accounts therefore I was also restricted. So when I checked on what I needed to do which was remove him from the account I filled out the joint removal form and submitted it. Said it could take up to 5 business days, I was able to get that done. Then on XX/XX/year> while out of town I went to sign on and again I was unable to, called the bank spoke to rep and informed me that there was a auto application submitted using an old device ( didn't mention that my approval was canceled ). I had just changed all my security credentials with a Rep on the phone. So how would someone be able to do that? The Rep told me I am revoked from my account since this is the 3rd time fraud has happened.I recently was able to remove the restriction.with the help of a branch rep and reapplied on the XXXX with the branch Rep, and was declined reasoning was my XXXX was higher. Once she told me that I appealed the decision, while speaking with the branch rep once again I was flagged for restriction on the account, not being able to log onto the mobile app. She was able to remove it and changed my credentials. I believe that the fraud was flagged which caused my application to be declined. My credit report had minor inquires and paid off a credit card so I am not understanding were the declined came from.I feel like this is very unfair to me as I was previously approved and the fraud has nothing to do with me and myself has been affected.Also, on the XXXX I went to a dealership ready to purchase a vehicle and did not due to the bank were my current auto loan was closed for the day. So imagined if they got the info and I presented them with the check that I had no idea it was cancelled what a spot it would've put me in. And that there had been no communication on that. What a huge liability it could have caused. My previous approval should have never been affected. Seems like this is not the way Navy Federal Credit Union should be treating any of there member 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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:
Greetings Dear CFPB Team : I recently reviewed my credit report and noticed an account ( XXXX XXXX XXXX ) that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. This account ( XXXX XXXX XXXX ) has not been never late on payments i've attached a copy of my report to this complaint. I had send letters twice to bureaus to resolve this matter amicably but they had ignored my request. Check attached letters. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-08-13 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action. 


15 US CODE 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.

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 2024-08-13 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action. 


15 US CODE 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: IN

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureau failed to provide my requested written authorized validation evidence of fraudulent inquiries from companies per Fair credit reporting time frame of 30 business days. My request to delete go unanswered and customer service representatives confirmed receiving my FTC report but state they are unable to provide validation of inquiries. 

Delete unauthorized inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC systems Inc. is the debt collector Original creditor XXXX XXXX {$4400.00} amount Posted to experian credit report on XX/XX/year> This account is a result of identity theft. 

This account was posted to XXXX and XXXX XXXX XXXX years ago, which I disputed as identity theft and those were removed immediately.

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 2024-08-13 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: CA

Complaint narrative:
============== The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : XXXX  # XXXX XXXX name : # has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency 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 explanation
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
============== The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : XXXX  # XXXX XXXX name : # has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief