vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you verify the records? Several of the specified entries contain inaccuracies regarding their reporting, including incorrect amounts and dates.

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 2024-04-08 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:
I want these inquiries to be deleted because I did not authorize these companies to run my credit. I've attached my FTC report. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character

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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Every two weeks my husband deposits his paycheck using mobile banking. This past Friday, XX/XX/XXXX he deposited his check but accidentally entered {$2300.00} when his check was {$2600.00}. Bank of America is holding his funds for 2 full weeks and customer support refuses to help or escalate. They specifically state they are not trained to release the funds and their manager is not trained to release the funds. He even went into the branch and they told him to call BOA support. We have a history of depositing this almost identical check every two weeks for 3 years! We may miss our mortgage payment due to this extended hold! We are unable to get any information of 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 monetary relief
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove

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 2024-04-08 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shock to see this account open on my credit report I never gave anyone permisson to use my credit to open any accounts this account is fraudulent please remove this of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I have a XXXX account with TD Bank. I made a purchase at the end of XXXX. TD Bank already had all my info from previous purchases. The prompt in my account said that RECURRING PAYMENTS were activated. HOWEVER, TD BANK 's policy is to de-activate, on their end, recurring payments if the account had NOT been used in a while. As I had not used it since 2022, I didn't know this. As a result, they did NOT take the payment neither in XXXX NOR XXXX, charging me late fees for both months, in spite of having my checking account information on file and my authorization to charge. When I complained about it, they removed the late fee for XXXX ( {$40.00} ), but refused to waive the fee for XXXX ( {$29.00} ). They NEVER sent an email statement nor any notice saying that the payments were late, nor tried to collect. If I wasn't on top of this issue, I would have ended up paying many more late fees. 

While the amount is small, as a person that works in XXXX myself I feel that TD Bank is taking advantage of their customers, unilaterally changing their collection systems, NOT informing them of any changes, and then refusing to return fees even when it's shown that it's their fault, not to mention any potential harm this might have caused to my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
1 i requested the Payment History the amount indicates XXXX

2. On XX/XX/2024 I spoke with Credit Acceptance which representative informed me the amount past due is {$11000.00} which is about 141/2months.

However XXXX XXXX and XXXX XXXX both agencies are reporting 24 months late that would total 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 2024-04-08 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: CA

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
OK Im unaware of this debt I didnt have the opportunity to dispute this information. Do you think that you believe you gave me proper notification then please send me the correct, certified mail receipt with my name on it, stating that I received it.

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 2024-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
i both a house back in XXXX me and my dad have name on it, for XXXX years living on the property, we didn't get any equity for house? i been true hardship of living, till i missed the monthly payment end up XXXX, i am lucky find some help, just to sale the house, no XXXX help came in my mail box or government 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 2024-04-08 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: TX

Complaint narrative:
I called XXXX XXXX and asked why they reported a negative report on my credit when they were paid through Bankruptcy. They report XXXX this after the Bankruptcy was XXXX. I have written Transunion several times trying to get this corrected and it is still showing negative! Trans union have put on the record ( paid through payment plan and not Bankruptcy. They are not showing this as paid through bankruptcy. It was put on my credit in XXXX, and my Bankruptcy was XXXX in 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 2024-04-08 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 2024-04-08 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: IN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the XXXX XXXX was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXXXXXX XXXX XXXXXXXX. However, XXXX XXXX continues, and for the last seven years, reports the vehicle 180 days late. Purposely, harming my 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 non-monetary relief
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the XXXX XXXX was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXXXXXX XXXX XXXXXXXX. However, XXXX XXXX continues, and for the last XXXX years, reports the vehicle 180 days late. Purposely, harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the Sheriffs Office was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXX of XXXX. However, XXXX XXXX continues, and for the last XXXX years, reports the vehicle 180 days late. Purposely, harming my 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 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX XXXX account # XXXX continues to NOT be reported to any of the XXXX Credit Bureaus. 

I originally contacted XXXX via phone around mid to late XX/XX/XXXX to report this issue. I was told on the phone that XXXX needed 30 days to investigate. I received the attached letter dated XX/XX/XXXX notifying me that XXXX thorough investigation has been completed and that XXXX is able to confirm that the account was reported to the XXXX XXXX XXXX ( CRAs ). 

XXXX made a hard inquiry of my credit and is recorded on my report as of XX/XX/XXXX. 

My XXXX purchase was completed XX/XX/XXXX. 

The first payment was due and made as of XX/XX/XXXX. 

I have made XXXX on-time payments thus far. None of these payments have been reported and are not reflected in my credit report as of XX/XX/XXXX. 

Having the hard inquiry on my report without evidence that the loan was provided is affecting my credit negatively.

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 2024-04-08 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: FL

Complaint narrative:
My XXXX XXXX account # XXXX continues to NOT be reported to any of the XXXX Credit Bureaus. 

I originally contacted XXXX via phone around mid to late XX/XX/XXXX to report this issue. I was told on the phone that XXXX needed 30 days to investigate. I received the attached letter dated XX/XX/XXXX notifying me that XXXX thorough investigation has been completed and that XXXX is able to confirm that the account was reported to the XXXX XXXX XXXX ( CRAs ). 

XXXX made a hard inquiry of my credit and is recorded on my report as of XX/XX/XXXX. 

My XXXX purchase was completed XX/XX/XXXX. 

The first payment was due and made as of XX/XX/XXXX. 

I have made XXXX on-time payments thus far. None of these payments have been reported and are not reflected in my credit report as of XX/XX/XXXX. 

Having the hard inquiry on my report without evidence that the loan was provided is affecting my credit negatively.

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 2024-04-08 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: Early Warning Services, LLC
State: SC

Complaint narrative:
If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX XXXX XXXX that is unfair collection, reporting, etc practices.

I did not provide this company authorization to pull my consumer report, provide my consumer report to a third party, nor provide them any form of authorization to report anything on my person self. This is an invasion of my privacy and I demand they cease and desist of any form of credit reporting on me or my social security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NC

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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
National Account Systems has continuously reported a debt on my credit that I do not owe. I have sued the original creditor ( XXXX XXXX XXXX ) for falsely sending me to collections and this matter has been taken care of in the court of law in XXXX XXXX. This creditor is continuing to report and attempt to collect a debt they have no legal grounds to collect. 


Previous CFPB complaint : In XXXX of XXXX I was approved for rental assistance in the amount of {$2200.00}. The State of Nebraska contacted XXXX XXXX XXXX for address verification to send the rental payment and XXXX XXXX XXXX advised they would no longer be accepting rent from me and had given me a XXXX  day notice to vacate the property. I contacted the Property Manager XXXX XXXX who also stated they would no longer accept rent and wanted me to vacate the home I occupied since XXXX. They refused the rent check and have now sent me to collections for {$3300.00} requesting rent for the same months they previously refused to accept. Even after refusing the check, I sent numerous emails to resolve the situation amicably and they chose not to respond or return any of my calls. I have a current court case that will occur in XXXX of XXXX regarding this company defaming me and for breach of contract for not accepting the rent balance when tendered. The state of Nebraska has provided documentation that will also prove XXXX XXXX declined to accept any rent on my behalf and had sent me a non-renewal of my lease 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-08 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: IL

Complaint narrative:
On XX/XX/XXXX of this year, I notified Experian through Mail Communications about an Authorized User Account being reported to my consumer Report that does not belong to me, which has damaged my reputation. I, The consumer never gave Experian any Authorization to Report this Account & I attached an FTC report to the Letter as evidence of fraud.

Despite this, through Email Communications, Experian Illegally Declined my Request to Block and remove this Account on XX/XX/XXXX without providing any proof of investigation. I warned them that their actions would lead me to file a report via the CFPB. XXXX month later & they have failed to comply with federal law and is still reporting the same fraudulent account, causing further damage. 

Their negligence has caused me stress, XXXX, and hardship, and is eroding my trust in the Banking/Credit system.

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 2024-04-08 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief