vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a student loan account XXXX ( Account Number : XXXX ) on my credit report by TransUnion and XXXX XXXX This account is reporting several errors, including an incorrect open date, date last active, and date of last payment. Additionally, erroneous payment information is being reported, specifically 120 days late consecutively for XXXX, XXXX, and XXXX XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as such payment reporting is not permissible. 

Furthermore, during the COVID-19 pandemic, my payments were deferred, and I was protected under the CARES Act. Reporting missed payments during this period is inaccurate and harmful. Notably, XXXX has already deleted this account due to its inaccuracies. 

I demand the immediate deletion of this account from my credit report. If this account is not removed within 30 days, I will proceed with litigation against TransUnion and XXXX for their noncompliance with federal law. I have attached all supporting documentation for this loan, including evidence of the account 's inconsistent and inaccurate information.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
XXXX XXXX XXXX I sent a payment Instrument to Citi in the amount of {$4700.00} with payment instructions. XXXX XXXX they issued a temporary payment in the amount. XXXX XXXX they reversed the payment with no legal and lawful justification. XXXX XXXX XXXX I made an online payment of {$41.00} on the account to bring it current. XXXX XXXX I received a correspondence from CITI stating that they are exercising their rights to close my account. XXXX XXXX I sent correspondence to CITI XXXX XXXX XXXX XXXX requesting a validation of the debt, Full documentation of the account, Origins of Credit as well as instructions to process a delivered Payment Instrument included in the mail parcel. I informed XXXX XXXX that they are in violation of our Arbitration agreement see CITI Credit Card Agreement Sec 11 for their closing of my account. XXXX XXXX was instructed to return the delivered Securities if they are unwilling to process them for payment. XXXX XXXX I sent a Notice informing XXXX XXXX XXXX of his fiduciary obligation and to send the documentation requested on XXXX XXXX XXXX as well as process the delivered Instrument. In my correspondence I informed XXXX XXXX that they are in violation of FDIC Sec 29 Civil Money Penalties. In my correspondence I requested once again to deliver the two Instruments that are in their possession and to reopen my account due to their violation of our Arbitration agreement.

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 2025-01-13 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: FL

Complaint narrative:
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  Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
I recently view copies of my ( XXXX, XXXX and TransUnion ) consumer reports and noticed that it is reporting my experience with XXXX XXXX XXXX XXXX. I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by your company for the following account ( s ) on the following date ( s ) : 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 XXXXXX/XX/year> This reporting is illegal and XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX and I. 

XXXX HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT to be included on my CONSUMER REPORTS. 

i requested to be provided with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that XXXX have adopted to ensure that each periodic statement is mailed to i ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

XXXX had 30 days from the date that they received this request to provide me with the information that I was requesting. XXXX did not provide this information in the allotted time given, and it is assumed that XXXX can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account )

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 2025-01-13 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: GA

Complaint narrative:
I recently view copies of my ( Equifax, XXXX and XXXX ) consumer reports and noticed that it is reporting my experience with XXXX XXXX XXXX XXXX. I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by your company for the following account ( s ) on the following date ( s ) : 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  This reporting is illegal and XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX and I. 

XXXX HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT to be included on my CONSUMER REPORTS. 

i requested to be provided with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that XXXX have adopted to ensure that each periodic statement is mailed to i ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

XXXX had 30 days from the date that they received this request to provide me with the information that I was requesting. XXXX did not provide this information in the allotted time given, and it is assumed that XXXX can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
1. Inaccurate Payment History The following account is inaccurately reporting late payments, which I have never made. Please verify and correct the payment history : 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 Under 15 U.S. Code 1681i ( a ), I am requesting that you investigate this matter and correct or remove any inaccurate payment history information. As part of this investigation, please provide me with documentation verifying the accuracy of this accounts payment history. 

Accounts That Are Not Mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681b, only accounts that are verifiable and authorized by me should be reported. Since these accounts are not mine, I am requesting their immediate removal. As part of your investigation, please provide documentation proving that I opened or authorized these accounts. If you are unable to do so, these items must be deleted from my credit report as required by law.

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 2025-01-13 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: NJ

Complaint narrative:
1. Inaccurate Payment History The following account is inaccurately reporting late payments, which I have never made. Please verify and correct the payment history : 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 Under 15 U.S. Code 1681i ( a ), I am requesting that you investigate this matter and correct or remove any inaccurate payment history information. As part of this investigation, please provide me with documentation verifying the accuracy of this accounts payment history. 

Accounts That Are Not Mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681b, only accounts that are verifiable and authorized by me should be reported. Since these accounts are not mine, I am requesting their immediate removal. As part of your investigation, please provide documentation proving that I opened or authorized these accounts. If you are unable to do so, these items must be deleted from my credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint here with the CFPB against TransUnion for unauthorized hard inquiries on my credit report. Transunion responded saying that they couldn't find documentation they also mailed a letter detailing what items I needed to send in order to fix this matter I have sent over every document they requested and I have made several follow up phone calls yet they refuse to update my report with the removal of those inquiries. 
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

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I used the online tool to deposit {$2500.00} as an initial deposit into my checking account I opened. The money has be transferred from my current checking account but Chase has not credited my account. They claim it takes 7 business days before they will release the hold on the funds. Since they pay no interest on their accounts, but they get to invest the funds this 7 day hold is excessive and allows Chase to effective steal money from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I have asked to be removed from both of my ex 's Target cards as an authorized user and the accounts are still reporting, ensure my name is removed off his cards and have this tradeline off my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
I was reviewing my credit profi le and noticed some inquires that do not belong to me. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
Sent threatening email to arrest me. Come to my house etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
5/3 bank Told me my account is dormant, transferred to branch, where they said it would be taken out of dormant. They would not, said I needed to come into branch in a different state or write a notarized letter and they would look at it. They allow me to add funds and pay XXXX a month for over 5 years, now they wont take out of dormant, allow transfers or XXXX to remove my XXXX usd. That was today, stated manager would call me back, never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Co LLC
State: TX

Complaint narrative:
Debt Co LLC is attempting to collect a debt that I do not owe them. I will not acknowledge any collection and will only deal with the original creditor. Any debt owed was paid to the original creditor. ( XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX I spoke with a Capital One Associate. I explained to her that I am currently unemployed because I am in school full-time and am unable to work, therefore I have XXXX income and am unable to make any payments on the credit card. I requested a 12-month deferment period for making payments on the credit card and she replied that a deferment was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: AR

Complaint narrative:
My name is XXXX XXXX I got a car from America Car lot in XXXX XXXX. They what bankrupt and XXXX XXXX XXXX XXXX in this car bad like I dint understand the car was a XXXX XXXXXXXX XXXX  they tired to charge me XXXX for it like what the XXXX I dont know what to do I been trying to get a new car but this is stopping me want no bank approval me because if this XXXX car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
I recently pulled my consumer report and I found some inaccurate information. I have a credit account with XXXX that has reported late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is creating a financial hardship for as I am looking for to purchase XXXX new home.

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 2025-01-13 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: TN

Complaint narrative:
I recently pulled my consumer report and I found some inaccurate information. I have a credit account with XXXX that has reported late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is creating a financial hardship for as I am looking for to purchase XXXX new home.

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