vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2024-06-21 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:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-06-21 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:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-06-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: ME

Complaint narrative:
According to XXXXXXXX XXXX XXXX XXXXXXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Miscellaneous Medical/Related Health XXXX XX/XX/XXXXXXXX XXXX  Miscellaneous Medical/Related Health Individual XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Restaurants/Concessions Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Service Reseller Individual XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX Automobile Financing Company Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 2022

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 2024-06-21 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: ME

Complaint narrative:
According to XXXX XXXX XXXX XXXXXXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  Miscellaneous Medical/Related Health XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Medical/Related Health Individual XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Restaurants/Concessions Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Service Reseller Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX Credit Cards Individual XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX Auto Dealers, New XXXX XX/XX/XXXX 2022

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 2024-06-21 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:
Dear XXXX I am writing to report a serious issue with my credit report that has not been resolved by XXXX despite multiple attempts to rectify the situation. I have sent several letters to both credit reporting agencies regarding inquiries and accounts on my credit report that are fraudulent and have been opened without my consent. 

Among the inquiries that are listed on my credit report, there are XXXX accounts related to XXXX that I did not apply for. These accounts are clear cases of fraud and identity theft, as I have never had any dealings with XXXX nor have I ever applied for any services with them. Additionally, there is another account related to a bank that I did not apply for. 

I have provided detailed information in my letters to XXXX and Equifax, including the name of the person responsible for these fraudulent accounts, who is my cousin named XXXX. Despite providing this information and requesting that these accounts be removed from my credit report, they have not taken any action to address the issue. 

I am deeply concerned about the impact that these fraudulent accounts are having on my credit score and financial well-being. I request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure that these fraudulent accounts are removed from my credit report promptly. 

I have attached copies of the letters that I have sent to XXXX and Equifax for your reference. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance in addressing this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-21 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Presto Loan Center, LLC
State: AZ

Complaint narrative:
I had a loan with this company that was garnishing my wages. When the full garnishment was almost paid {$2200.00} we filed XXXX XXXX. The company continued to garnish me even after the XXXX was filed and they were notified. They collected nearly {$1000.00} after they were notified thus paying the full, original garnishment. It was paid in full. Because the XXXX was filed they refunded me {$690.00} in two different checks. The bankruptcy was then later dismissed. They have started garnishments again. I was told on the phone by the representative at Presto that a new judgement was done and they have garnished almost {$1000.00} so far. The representative couldn't tell me how much I owed nor how much the new judgement was for. Nor could she tell me what fees were added nor how much was still owed to Presto. She said I was being charged 10 % interest on the debt and that is why I owe them so much. I feel like this is very predatory and they are turning {$690.00} into a much larger debt. They shouldn't be charging me interest on anything other than the {$690.00}. I was never mailed any type of statement or attempt made to inform me that I needed to pay them a balance. I feel like they are capitalizing and overcharging me fees and interest. I also think they are not following the law in their requirements to send me statements, or any type of legal disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
found Inquiries that were not made by my self 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 2024-06-21 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:
" T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my writte n consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, w hich allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi, Hope everyone is well. Over the past month, Ive made several attempts to access my Equifax credit report online. Despite having a validated login. Despite mailing all the requested information Equifax requested to reset my account. ( Equifax confirmed receipt of my information on XX/XX/year>, and confirmed the info was correct ). I am still unable to view the report. In my XXXX interactions with Equifax, they assured me they were actively addressing the issue, and within twenty-four hours I would be able to access my account. I am still unable to view the report. Equifax offered to send me a copy of my report in the mail. I can not receive the report by mail since I am currently outside of the country and will be abroad for the next XXXX months. Given that I am abroad and will be abroad for XXXX months, I need to closely monitor my report online in case of any fraudulent activities. I havent encountered any problems viewing my online reports from XXXX or XXXX. Kindly contact Equifax on my behalf. 

Thank You, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: NJ

Complaint narrative:
7 years ago I opened a key bank account Account number XXXX Routing number : XXXX I was trying to build my credit an get my life together but a few months after opening the account I went to XXXX for a party with my children an misplaced my wallet on XXXX my wallet had the following items : Social security card : birth certificate : bank cards : id Everything you would need to scam Somebody basically was in my wallet for them to scam me I never had a fraudulent situation happen ever in my life an Im being held back from getting an account because of somebody elses mistakes yes I lost my card but I never scammed nobody in my life please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America continued to allow old phone numbers to be able to verify account owner and status, even after I had requested several times to stop and disclosed on at least 20 occasions that the numbers the representatives were going over with me were no longer valid numbers no did they belong to myself any longer so it made zero sense why they did not protect my over 15 times compromised account business and personal. I faxed several documents to outline and support my claims for fraud. They denied my claim yet did not provide any feedback or reason why they do not consider the ability to port an old number belonging to a account holder and at one point in time was used as a contact to the myself and able to confirm verification of identity to gain access to banking information. The ported telephone number can be ported out to a new service and especially a acquaintance or broken-hearted Ex boyfriend can utilize that ported number to gain access to all my private banking and financial information with not just the bank but any of companies, organizations that utilizes phone verification to confirm identity before releasing very personal information. I can follow up with dates but all my paperwork is in storage due to all the fees and force close of my buisness account i am homeless now living in my car

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 2024-06-21 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: MI

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX 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 XX/XX/year> 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. 


XXXX XXXX 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 response to consumer: Closed with non-monetary relief