vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
My account with 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 those account 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. 


XXXXNever 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 explanation
Consumer complaint received 2024-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-15 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: NY

Complaint narrative:
My persistent efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, resulting in considerable anxiety and distress. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NV

Complaint narrative:
There are two accounts that Experian refuses to update. This is affecting my credit score negatively. These two accounts have been paid off well over a month and a half ago and has been updated on every other credit repository but Experian. I have contacted them twice and they will not update my credit report and raise my score. They seem to be purposely not updating these two paid off accounts. The two accounts that need to reflect on my report as PAID OFF are : XXXX ( account number XXXX  ) and XXXXXXXX XXXX XXXX ( account number XXXX ). These two account are PAID IN FULL and have been for a while. I need these two accounts to reflect paid in full so my credit score can raise accordingly. I have called both of these company 's and they said they reported this information to Experian a while ago!

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 2024-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> my vehicle was reposted by Capital One. I received a letter on XX/XX/year> to notify me with information to obtain my property in the vehicle. I verified my self by the automated system then once the rep got she stated I wasnt verified. I explained the email on file was not working properly so they would not send me an authorization form for my son to retrieve our personal property. I was transfer to someone with an email address of XXXX requesting me to email him and he would forward the document to the email I smet the request from. He them [. Transfer me to The XXXX XXXX XXXX where I once again request the authorization form to get my personal property. The person I spoke to XXXX gave me the run around and stated she would call me back at XXXX I never received a call, back. I called back to Capital One and was placed on hold and nobody came back. Based on their letter received my vehicle would be sold on XX/XX/year>. I received their letter on XXXX. I called Capital One 8 times and Loss XXXX 4 times. I never re dived any information where my vehicle was stored to get my personal property. Im afraid with it being only 3 day window Im going to loose my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: CO

Complaint narrative:
I have disputed this fraudulent and unauthorized inquiry before and was removed from my credit report yet upon checking recently, it re-appeared. I do not recognize this inquiry, I already spent enough precious time it is so frustrating and exhausting.

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 2024-07-15 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-15 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: OH

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15.U.S.C. 1618s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I fell behind on my payments due to ongoing XXXX  issues that cause me to be in and out off work, Since the payment was to high I wasnt able to catchup on payments. One main was constantly calling me during working hours causing me problems with my employer. I asked them to please dont contact me during working hours but they continue to call me from multiple numbers. theThe principal balance hardly moved with each payment. loan went to a third party collection i did not authorize since i was actively trying to work with one main.

One main eventually filed a lawsuit. In the lawsuit it stated i was not a family member or spouse of an XXXX XXXX Member. My husband is currently XXXX XXXX. I believe they violated my rights to help me with my loan issue utilizing the XXXX. 

I was served papers XXXX XXXX XXXX current balance of {$6900.00} with 35 % APR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My persistent efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, resulting in considerable XXXX  and distress. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened a business checking account with XXXX XXXX. The terms and conditions say that if I maintain an average daily balance of {$10000.00} or more for 90 days and complete XXXX qualifying transactions that I will receive a {$500.00} bonus. I deposited {$10000.00} on the day I opened the account in the branch and my balance never went below {$10000.00}. I completed XXXX qualifying transactions by making purchases with my debit card. On XX/XX/year> a {$300.00} bonus posted to my account. This is not what we agreed to. The promotional code was provided to the banker on the date of opening the account and I have a hard copy that was handed to me by the banker.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I normally get my SSA check through SoFi every month but during the month of XXXX i did not receive a payment. When the XXXX of this month made it and I did not have a payment in my account I begin to make contact with the bank. The bank rep. advised me that my payment transaction codes were off and that the payment was sent back to SSA. SSA stated that they never received a payment back. I need someone to look into this matter because this has never happened to me since I have been receiving payments from SSA. I have been without this payment for too long and now we are currently on the XXXX of the month. Below I will have the correspondence attached that I received from SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have verified with my records that these addresses are incorrect and do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), I am entitled to dispute inaccurate information and have it corrected or removed from my credit report. 

XXXX, Equifax, and XXXX have made it extremely difficult for the consumer to remove inaccurate information on their credit report. I have filed disputes with all bureaus and each bureau has additional hoops to jump through. Each company is in violation of Fair Credit Reporting Act ( FCRA ) Section 611 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: DC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-15 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: OH

Complaint narrative:
I have called and talked to Experian and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking Experian to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.

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 2024-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 

The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-16 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: IL

Complaint narrative:
Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by Fair Credit Reporting Act 15 USC 1681 and 15 USC 6801. It is the policy of the congress that each financial institution has an obligation to respect the privacy, security, and confidentiality of their customers. 

The Financial institution and the CONSUMER REPORTING AGENCIES XXXX and XXXX DO NOT have my consent to furnish this information. They have never received my written consent. 

All consent to XXXX and XXXX is revoked whether it be Verbal, Non-verbal, Written or otherwise. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to exercise my nondisclosure option.

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services!

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by Fair Credit Reporting Act 15 USC 1681 and 15 USC 6801. It is the policy of the congress that each financial institution has an obligation to respect the privacy, security, and confidentiality of their customers. 

The Financial institution and the CONSUMER REPORTING AGENCIES XXXX and Equifax DO NOT have my consent to furnish this information. They have never received my written consent. 

All consent to Equifax and XXXX is revoked whether it be Verbal, Non-verbal, Written or otherwise. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to exercise my nondisclosure option. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services!

Company response to consumer: Closed with explanation