vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> Complaint Overview : I am submitting this complaint due to inaccurate and misleading information being reported on my credit report by XXXX XXXX XXXX XXXX TransUnion XXXX Despite multiple attempts to resolve this issue directly with the credit bureau, the inaccuracies remain, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating and correcting these errors. 
Account : XXXX XXXX XXXX # XXXX Key Issues : Late Payments Misreported as Income : Several late payments on my open accounts have been incorrectly reported as income on my credit report. According to 26 U.S.C. 61 ( a ), income refers to gains or profits such as wages, dividends, or other sources. Late payments are not taxable income, and therefore reporting them as such is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors and credit bureaus are required to report information accurately. The classification of late payments as income violates federal law.

Closed Accounts Incorrectly Reported as Charged-Off : Certain closed accounts are being inaccurately reported as charged-off, despite having been resolved. These accounts should be updated to reflect a status of paid as agreed.

Under 28 U.S.C. 3201 ( e ) and 31 C.F.R. 285.12, debts classified as Certificates of Indebtedness should not continue to be reported negatively once resolved. The current reporting is not in compliance with these statutes. 
Specific Actions Requested : Immediate removal of late payments that are incorrectly classified as income from my credit report, while keeping the open accounts active and positive. 
Update of closed accounts currently reported as charged-off to reflect " paid as agreed '' with a positive status, as required by federal law. 
Attempts to Resolve the Issue : I have previously contacted XXXX, Transunion, and XXXX to dispute these items and requested verification of the information as per the Fair Credit Reporting Act. However, the credit bureau has failed to correct these inaccuracies or provide adequate verification of the information in question. I am now seeking the CFPB 's assistance in holding the credit bureau accountable and ensuring that they follow federal guidelines. 

Relevant Laws Cited in My Dispute : 26 U.S.C. 61 ( a ) Income does not include late payments or delinquent debts.

15 U.S.C. 1681s-2 ( a ) Furnishers of credit information must ensure the accuracy of reported data.

28 U.S.C. 3201 ( e ) Guidelines for debts classified as Certificates of Indebtedness.

31 C.F.R. 285.12 Restrictions on how settled government debts should be reported.

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 2024-09-25 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:
In XXXX and XXXX late payments were being reported to the credit bureaus as well as I was charged late fees for on time payments. I spoke to reps and this was updated and corrected at this time. Now again in XXXX I am being charge incorrect fees for on time payments made. I have called several times to make complaints and reps refused to allow me to speak to the dispute department. Each rep stated there was no department or I was provided with an inaccurate number. I requested escalation multiple times and was denied. When asked for their badge number or XXXX I was denied by the reps. I made complaints to several reps regarding my credit report being inaccurate and nothing was fixed. The next rep would say no notation was documented regarding my complaints. I made several complaints about inaccurate billing and credit reporting letting them know this has been damaging to my credit and nothing was done about it. At XXXX point I was scared into paying almost {$3000.00} and being XXXX  but my car was never under repossession nor was it behind. This past XXXX my car was deemed a total loss because of vandalism. I was never notified by XXXX. XXXX is reported different amounts on the portal and my credit. I requested a copy of a report from XXXX insurance which shows a lesser amount owed. My car was current and not behind when I noticed a charge off. Per the Texas consumer law a charge off cant be place on an account unless its XXXX  months or more behind and my car payment was current. My billing statements have never been able to be viewed on the portal after several requests and complaints. I requested email only correspondence from XXXX and never received emails regarding my account. I believe XXXX to be deceptive based of inconsistent date and my dealership telling my at the time of the total loss that my final payment was XX/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 2024-09-25 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: TX

Complaint narrative:
In XXXX and XXXX late payments were being reported to the credit bureaus as well as I was charged late fees for on time payments. I spoke to reps and this was updated and corrected at this time. Now again in XXXX I am being charge incorrect fees for on time payments made. I have called several times to make complaints and reps refused to allow me to speak to the dispute department. Each rep stated there was no department or I was provided with an inaccurate number. I requested escalation multiple times and was denied. When asked for their badge number or XXXX I was denied by the reps. I made complaints to several reps regarding my credit report being inaccurate and nothing was fixed. The next rep would say no notation was documented regarding my complaints. I made several complaints about inaccurate billing and credit reporting letting them know this has been damaging to my credit and nothing was done about it. At XXXX point I was scared into paying almost {$3000.00} and being XXXX  but my car was never under repossession nor was it behind. This past XXXX my car was deemed a total loss because of vandalism. I was never notified by XXXX. XXXX is reported different amounts on the portal and my credit. I requested a copy of a report from XXXX insurance which shows a lesser amount owed. My car was current and not behind when I noticed a charge off. Per the Texas consumer law a charge off cant be place on an account unless its XXXX  months or more behind and my car payment was current. My billing statements have never been able to be viewed on the portal after several requests and complaints. I requested email only correspondence from XXXX and never received emails regarding my account. I believe XXXX to be deceptive based of inconsistent date and my dealership telling my at the time of the total loss that my final payment was XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
In XXXX and XXXX late payments were being reported to the credit bureaus as well as I was charged late fees for on time payments. I spoke to reps and this was updated and corrected at this time. Now again in XXXX I am being charge incorrect fees for on time payments made. I have called several times to make complaints and reps refused to allow me to speak to the dispute department. Each rep stated there was no department or I was provided with an inaccurate number. I requested escalation multiple times and was denied. When asked for their badge number or XXXX I was denied by the reps. I made complaints to several reps regarding my credit report being inaccurate and nothing was fixed. The next rep would say no notation was documented regarding my complaints. I made several complaints about inaccurate billing and credit reporting letting them know this has been damaging to my credit and nothing was done about it. At XXXX point I was scared into paying almost {$3000.00} and being harassed but my car was never under repossession nor was it behind. This past XXXX my car was deemed a total loss because of vandalism. I was never notified by XXXX. XXXX is reported different amounts on the portal and my credit. I requested a copy of a report from XXXX insurance which shows a lesser amount owed. My car was current and not behind when I noticed a charge off. Per the Texas consumer law a charge off cant be place on an account unless its XXXX  months or more behind and my car payment was current. My billing statements have never been able to be viewed on the portal after several requests and complaints. I requested email only correspondence from XXXX and never received emails regarding my account. I believe XXXX to be deceptive based of inconsistent date and my dealership telling my at the time of the total loss that my final payment was XX/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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I REQUESTED MY CREDIT REPORTS FROM 'FREE ANNUAL CREDIT REPORTS ' DID NOT RECEIVE MY REPORT. I HAVE BEEN DENIED CREDIT SEVERAL TIMES DUE TO TRANUNION REPORT OF INCORRECT OR FALSE INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a wire transfer from the U.S. XXXX XXXX XXXX XXXX XXXX for back pay due to an award by XXXX in a retirement case for {$450000.00} which I never received in my account at Bank of America . In addition to this wire transfer, I receive retirement payments the first of each month. I dont know why this back pay was not put in 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 explanation
Consumer complaint received 2024-09-25 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: NY

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-25 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: AL

Complaint narrative:
I have asked this reporting agency to submit a disputed on address i have never lived and the company is refusing to do so. 
Address ID : XXXX XXXX I also requested the company to delete any names that are not on my state issued license

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 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Carecredit is charging me {$600.00} and another XXXX XXXX.on interest. I being making my payments every month. Now they over charging me. I called customer service to try to resolve this issue but they didn't want to help me.

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 2024-09-25 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: WI

Complaint narrative:
After reviewing my credit report, I noticed that I had a few accounts listed that did not belong to me. I am not sure how these companies got my information or how they are even reporting that I owe them anything. Here are the accounts listed below : XXXX XXXX XXXX Bal- {$7900.00} Opened- XX/XX/XXXX XXXX XXXXXXXX Bal- {$3800.00} Opened- XX/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 2024-09-25 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: WI

Complaint narrative:
After reviewing my credit report, I noticed that I had a few accounts listed that did not belong to me. I am not sure how these companies got my information or how they are even reporting that I owe them anything. Here are the accounts listed below : XXXX XXXX XXXX Bal- {$7900.00} Opened- XX/XX/XXXX XXXX XXXXXXXX Bal- {$3800.00} Opened- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filing a complaint against TD Bank for breaking my consumer rights. They shared my personal financial information with other companies and credit agencies without giving me a chance to opt out, which goes against both federal ( Gramm-Leach-Bliley Act ) and New Jersey laws ( NJCFA and NJ Identity Theft Prevention Act ). When I told them I didnt agree to this, they said their Privacy Policy allowed it. I never gave TD Bank permission to share or sell my information. Ive asked them twice for full details about this account, but they only sent me a Promissory Note, which shows theyve broken the Truth in Lending Act ( TILA ).

TD Bank also ignored my request to send all mail to a specific address. They keep sending it to an inconvenient address, which invades m
y privacy. Sharing my information without my consent is identity theft under federal law. This contract is void because it tries to commit identity theft and extort payments from me. The Promissory Note violates TILA, UCC, and COM. I never agreed to this, and TD Bank has my information due to identity theft.

The contract is invalid, and I am seeking damages for violations of the NJCFA, NJ Identity Theft Prevention Act, FCRA, TILA, UCC, and COM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
They raised my payments by over {$200.00} a month, reached out to see about lowering the payment and did a few forbearance and when they raised it again, they place me a program that made me go past due which ruined my credit. That was not explained properly and did not know it would affect me in that manner. Now they are raising my interest rate again due to the economy according to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
My account with Equifax 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 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.

Equifax 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
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SSN : XXXX DOB : XX/XX/XXXX Dear : NAVY FEDERAL CREDIT UNION Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX XXXX XXXX of the written confirmation. 

Thanks in advance XXXX XXXX Date : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief