vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: GA

Complaint narrative:
They should have been showing that I had a {$10.00} balance it's been reporting for more than a month that it's more than that

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 2024-08-20 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: GA

Complaint narrative:
They should have been showing that I had a {$10.00} balance it's been reporting for more than a month that it's more than that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They should have been showing that I had a {$10.00} balance it's been reporting for more than a month that it's more than that

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 2024-08-20 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. Please removed these account as soon as possible. Thank you

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 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: NC

Complaint narrative:
i do not know this account. This is not my account fix and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: AL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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. 


TransUnion 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/year> To Whom It May Concern : I am writing to dispute obtained personal information appearing on my credit report maintained by your bureau. I have reviewed my credit report and found there are several inaccurate data points within my personal identification which you are reporting. 

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : My only name is : XXXX XXXX *Please delete any other name/s you are reporting that does not match. 

My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please delete the following addresses you are reporting that does not match nor 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 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 *I do not wish for my telephone number to be listed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are documents that verify my correct personal information, including supporting documentation. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I would also like to request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 

Please correct this information as soon as possible and send me an updated copy of my report to the above address. 

Sincerely, 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 2024-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I had a mortgage with XXXXXXXX XXXX for a commercial rental property. 

The amount was {$150000.00}. I was using a XXXX exchange fund and only wanted to borrow {$80000.00}, but the loan was written and closed for {$150000.00} on XX/XX/24 acct # XXXX I made a payment for the extra funds that i did not want on XX/XX/24 for {$57000.00}. 


On XX/XX/XXXX, the loan was transferred to SPS ( Select Portfolio Servicing ) for the amount of {$93000.00} account # XXXX HOWEVER the principle amount shown with SPS was {$140000.00} on XX/XX/24. 

please note that in the time between the transfer i contacted both companies by phone to ensure the payments would be credited. I was not able to get an amount of loan principle balance until XX/XX/XXXX from SPS. 

I have called and contacted SPS multiple times and submitted banks statements showing payment, the statement from XXXX showing the amount transfered and statements from XXXX showing my balance. SPS has only responded that they are working on the problem. I have made 2 payments now, and they have still not responded except to send a letter stating that they need another month to fix the situation. 

I have called at least 10 times, 2x for 5 weeks, and can not get this issue resolved. I want the balance updated to the correct amount of Now SPS has sold the loan to XXXX XXXXXXXX XXXX XXXX, and the letter stating the transfer does not state an amount. 

I want the account to show the correct balance of {$93000.00} on XX/XX/XXXX, and credit for the interest of the difference plus credit for the 2 payments that I have made since then.. XXXX {$1500.00} XX/XX/24 & XX/XX/24 SO I now have 3 companies involved and can not get the payment that i made of {$57000.00}. credited to my mortgage since it transferred to SPS. 

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have emailed XXXX multiple times about this issue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a complaint regarding the XXXX account that I disputed with Experian Credit Reporting Agency and the investigation exceeded the 30 day requirement which is a violation of the FCRA. 
I disputed the XXXX account and other accounts which have been deleted from my Experian credit reports with only the XXXX account remains. XXXX XXXX XXXX XXXXXXXX. 
I have attached screenshots which reveal my dispute that I submitted via CFPB # XXXX on XX/XX/year>. 
Experian acknowledged receipt on XX/XX/year> and I did not receive a response until XX/XX/year> which is a total of 48 DAYS. This is a clear violation of the FCRA 611 30 day requirement to conduct a timely reasonable investigation. 
I am maintaining a careful record of my communications with Experian for the purpose of seeking legal representation if the XXXXXXXX XXXX XXXX ( XXXX ) account is not deleted 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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/XXXX24 XXXX XXXX  MST - Received a text from Citi Card We need to speak to you about XXXX XXXX XXXX, Please call XXXX XX/XX/XXXX24 XXXX XXXX MST - Called Citi phone number as instructed. Reviewed and identified fraudulent charges on account with Citi agent. Informed them that my card has been in my possession. Citi inactivated the compromised card and instructed me that they would be sending me a replacement. Fraudulent charges were marked for dispute and internal review. 

XX/XX/XXXX24 XXXXXXXX XXXX. MST - After reviewing disputed charges on Citi website for my account, I noticed that all XXXX charges ( totaling {$2500.00} ) that I had disputed on the call on XX/XX/XXXX stated " Your dispute has been resolved and no credit has been issued ''. I asked the Citi agent the reason why, and was informed that that department does not work on the weekends and a letter with details would be sent to me. She stated it was sent on XXXX. 

XX/XX/XXXX24 - Filed police report with XXXX Colorado Police Dept ( XXXX ) Spoke with XXXX XXXX XX/XX/XXXX24 - Received call back from XXXX Colorado Police. Spoke with XXXX XXXX XXXX. Submitted all relevant details requested via Fraud Packet as instructed. Was provided case number ( XXXX ) XX/XX/XXXX24 - Received letter from Citi 's Security Operations Service Team ( Dated XX/XX/XXXX24 ), which stated We've completed our investigation and your dispute ( s ) is closed. 

The card 's EMV chip was used to make the disputed transaction ( s ) at the chip card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. 

The charges ( s ) totaling {$2500.00}. will remain on your account, under your account activity ''

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 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Stellantis Financial Services US Corp.
State: DC

Complaint narrative:
On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. 

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 2024-08-20 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2024-08-20 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 2024-08-20 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: PA

Complaint narrative:
Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. 

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

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 2024-08-20 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: Experian Information Solutions Inc.
State: TX

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 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have tried three times to complete a credit freeze with XXXX after I was notified by two of my credit card companies that my SSN was found on the dark web following the massive data breach. I attempted this twice over the phone, as advertised on their website, on XX/XX/year>, after successfully completing credit freezes with XXXX and Equifax over the phone. After entering my zip code, the auto-generated response asked for it again, then glitched and said it could not complete my request, ending the phone call. I tried again on XX/XX/year>, and again the same thing happened. I tried to use the website which I was hesitant to do since I do not have a computer currently and need to use my phone. Again, after creating a login ( providing my contact information and address ) the website informed me it could not complete my request.I am currently abroad and do not have access to the documents needed to freeze my credit via mail. I successfully froze my credit with the other two companies, but less than 8 hours later, I received 12 spam calls in 10 hours, which is extremely unusual ( typically 1-3 per week ). While this could be a coincidence, I am worried that these companies are not securing my data effectively and that by attempting to protect my identity I have unwittingly made myself more vulnerable to identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried three times to complete a credit freeze with XXXX after I was notified by two of my credit card companies that my SSN was found on the XXXX XXXX following the massive data breach. I attempted this twice over the phone, as advertised on their website, on XX/XX/year>, after successfully completing credit freezes with Experian and XXXX over the phone. After entering my zip code, the auto-generated response asked for it again, then glitched and said it could not complete my request, ending the phone call. I tried again on XX/XX/year>, and again the same thing happened. I tried to use the website which I was hesitant to do since I do not have a computer currently and need to use my phone. Again, after creating a login ( providing my contact information and address ) the website informed me it could not complete my request.I am currently abroad and do not have access to the documents needed to freeze my credit via mail. I successfully froze my credit with the other two companies, but less than 8 hours later, I received 12 spam calls in 10 hours, which is extremely unusual ( typically 1-3 per week ). While this could be a coincidence, I am worried that these companies are not securing my data effectively and that by attempting to protect my identity I have unwittingly made myself more vulnerable to identity fraud.

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