vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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 this company is being reported late 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I contacted Experian, they told me they would fix it so i could get my apartment finally, i thought they had fixed it but it turns out they didnt, ive been constantly trying to contact them through emails, phone calls and even through the other bureaus and still nothing, im getting tired of how hard it is to just fix my credit just to be able to live normally but instead i could become homeless because they decided to disregard me and not help me. ive called at least XXXX times now and emailed them XXXX and have had no luck reaching out.

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has sent debts to transunion reporting I owe over XXXX in debts for some bank in another country in XXXX called XXXX Bank. These debts are not even in the United States and they continue to harass me via phone and email. 

XXXX business services XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ( XXXX ) has placed a collection account on my credit. Per15 USC 1692 part of the Fair Debt Collection Practices, is to protect consumers from debt collection .Please remove and send confirming documents of the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Jefferson Capital Systems LLC ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To whom it may concern, I have been a Citibank costumer for many years. 
On XX/XX/year> around XXXX and XXXX I went to the bank drive through to deposit {$2500.00}. I know you are saying " why go through a drive through for that amount of money? ". 

But guess what?? 

That's what is there for. And i am being recorded so I figured it's safe. Also it says up to XXXX bills you may deposit. 
Anyways, I went to deposit the money and the machine spit out {$200.00}, because the money was a a little bent. 

So I took {$200.00} and I waited for the {$2300.00} to be deposited. The machine went on Error mode and it said " error error please take your card ''. I took my card and I was like " ok. Where is my money ''? ..I logged into my bank account from my phone, there was no deposit.

Now I am in panic mode. I called citibank right away and told then what happened. Noone wants to hear " we will process your claim and let you know in 10 to 15 business days the outcome of our investigation ". Annoyed at this point that's a lot of money. That's my rent and food money. 

Finally a letter from Citibank. " We apologize for the inconvenience, but based on our investigation there is no trace of your money. Sorry for the inconvenience have a nice day ''.

WWWHHHHAAAAAAATTTTTT!!!!! 

{$2300.00} VANISHED!!!!! 

IF I TOOK {$2300.00} FROM CITIBANK. I WOULD HAVE BEEN IN HANDCUFFS AND PUT ON JAIL IMMEDIATELY. 

What they are doing is stealing from us. 

Did you know that the drive through atm machines next to the bank are 3rd party?? Yes they are. And I feel that someone figured out a scheme to steal money. Because I found out that this branch in XXXX XXXX, NJ is having 5+ claims a week complaining how their money doesn't get deposited and the machine goes in error mode. 

I went to the police department and they said " it's not a police matter ''. I went to the courthouse in XXXX and they said " I need a lawyer ''. I went to see 3 lawyers and they are all scratching their heads. How is this ok??? 

This is madness I need my money Please help

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 2024-08-22 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: GA

Complaint narrative:
I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of XXXX accounts from US Dept of EdXXXX that appear to be duplicates on my credit report. The accounts in question are : XXXX. Account # XXXX : Balance : {$5300.00} ( reported across all three bureaus ) Last Active Date : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) XXXX. Account # XXXX : Opened Date : XXXX Balance : {$6900.00} ( reported across all three bureaus ) Last Active Date : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) These accounts are clearly duplicative and contain conflicting and erroneous information. The discrepancies in balances, late payment reporting, and the duplication of accounts negatively impact my credit profile and need to be addressed immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of duplicate accounts with differing balances and late payment histories constitutes a violation of this statute. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of duplicate and inconsistent accounts can also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inaccuracies and duplication of accounts may also be in violation of 15 U.S.C. 1692f, which forbids unfair practices in debt collection.

Request for Immediate Action : In light of these violations, I am requesting the following actions : XXXX. Validation of the accuracy of these accounts ( # XXXX and # XXXX ). 
XXXX. Immediate removal of any duplicative or inaccurate information from my credit report. 
XXXX. An updated copy of my credit report reflecting these corrections.

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 2024-08-22 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of XXXX accounts from US Dept of EdXXXX that appear to be duplicates on my credit report. The accounts in question are : XXXX. Account # XXXX : Balance : {$5300.00} ( reported across all three bureaus ) Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by Equifax ) XXXX. Account # XXXX : Opened Date : XXXX Balance : {$6900.00} ( reported across all three bureaus ) Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by Equifax ) These accounts are clearly duplicative and contain conflicting and erroneous information. The discrepancies in balances, late payment reporting, and the duplication of accounts negatively impact my credit profile and need to be addressed immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of duplicate accounts with differing balances and late payment histories constitutes a violation of this statute. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of duplicate and inconsistent accounts can also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inaccuracies and duplication of accounts may also be in violation of 15 U.S.C. 1692f, which forbids unfair practices in debt collection. 

Request for Immediate Action : In light of these violations, I am requesting the following actions : XXXX. Validation of the accuracy of these accounts ( # XXXX and # XXXX ). 
XXXX. Immediate removal of any duplicative or inaccurate information from my credit report. 
XXXX. An updated copy of my credit report reflecting these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: LEXISNEXIS
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 non-monetary relief
Consumer complaint received 2024-08-22 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of XXXX accounts from US Dept of EdXXXX that appear to be duplicates on my credit report. The accounts in question are : XXXX. Account # XXXX : Balance : {$5300.00} ( reported across all three bureaus ) Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) XXXX. Account # XXXX : Opened Date : XXXX Balance : {$6900.00} ( reported across all three bureaus ) Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) These accounts are clearly duplicative and contain conflicting and erroneous information. The discrepancies in balances, late payment reporting, and the duplication of accounts negatively impact my credit profile and need to be addressed immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of duplicate accounts with differing balances and late payment histories constitutes a violation of this statute. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of duplicate and inconsistent accounts can also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inaccuracies and duplication of accounts may also be in violation of 15 U.S.C. 1692f, which forbids unfair practices in debt collection.

Request for Immediate Action : In light of these violations, I am requesting the following actions : XXXX. Validation of the accuracy of these accounts ( # XXXX and # XXXX ). 
XXXX. Immediate removal of any duplicative or inaccurate information from my credit report. 
XXXX. An updated copy of my credit report reflecting these corrections.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA XXXX reported false information and fake claims that were not made which were then reported to XXXX  and XXXX XXXX and resulted in increased insurance costs and premiums dating back to 2021 after I cancelled their services. USAA said I made insurance claims that never occurred, and reported such to XXXX  and XXXX XXXX that to this day can not correct. I never paid for, subscribed, or made any claims for road side assistance, glass coverages or any such insurance claims and have suffered damages and loses as a result of their false and inaccurate reporting. 
USAA claims they can not help me even though they initiated the false and fake claims resulting in my loses and refuse to correct their errors. I only found out recently that other insurance companies were using this false information to determine my insurance premiums and costs when they disclosed that this information was found on XXXX and 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 explanation
Consumer complaint received 2024-08-22 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 respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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