vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment.

Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments.

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX is reporting incorrect information and there is no one who can assist in the matter. 

I disputed the information a number of times online yet it keeps coming back incorrectly. 

Have called XXXX  a number of times but they dont have any customer service agents available. 

Had a lease with Ally Bank Returned the car to the dealership when the lease was up in perfect condition. 

Someone at the XXXX XXXX XXXX at XXXX XXXX, CA, damaged the vehicle, Ally bank sent a letter to me for damages. Reached out to the dealership to address multiple times, they would not do anything, nor did they send me a video of who caused the damage. 

I paid Ally in full the amount owed- the damage caused after the vehicle was turned in Account keeps showing as not paid in full

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Skrill USA, Inc.
State: WA

Complaint narrative:
In the last week I've received a number of dispute letters ( attached ) from a company that simply has the name " XXXX XXXX  '' on the envelope. It shows disputes related to credit card transactions that have nothing to do with me. I got another two today and I called the one phone number listed on the statement. I spoke with someone who barely could speak XXXX and they asked for my social security number. I didn't provide it and they wouldn't go any further in investigating the letters. I'm not sure where else to go so I need someone to shut this down as this account was obviously opened up fraudulently and the letters keep coming to me every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my account disputes with Bank of America. My account, has been compromised by several unauthorized transactions, and despite my repeated efforts to resolve these issues with Bank of America, the matter remains unresolved. 

I have contacted Bank of America numerous times regarding these disputed transactions, which have occurred on my account without my knowledge or consent. Additionally, I have noticed a troubling inconsistency with the timestamps on these transactions. The times listed for the transactions vary greatly, and they are not consistent with any logical pattern or typical activity on my account. This discrepancy further raises concerns about the legitimacy of these transactions, yet Bank of America has failed to adequately address or investigate this issue. 

Despite providing evidence to support my claims of fraud and unauthorized activity, Bank of America has neglected to issue the necessary refunds or conduct thorough investigations into the transactions. Their customer service representatives have been uncooperative, often providing conflicting information, and they have not provided me with a clear path toward resolving this issue. 

The continuous delays, lack of transparency, and failure to address the inconsistencies in the transaction times have caused me significant financial distress. I have been left with no choice but to escalate this matter. 

I am requesting the CFPBs intervention to ensure that Bank of America takes responsibility for these unauthorized transactions, properly investigates the discrepancies in the transaction times, and refunds the disputed amounts. Furthermore, I am seeking the full enforcement of consumer protection laws to prevent this type of mishandling in the future. 

Please find attached all relevant documents, including transaction records, correspondence with Bank of America, and any other pertinent information regarding this matter.

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 2024-09-14 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-14 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:
The late payments listed don't align with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a CD account onXXXX  at 5.4 % rate for 12 months before the account reached maturity the bank closed my account and notify me with an email on XX/XX/year> I called and asked the bank the reason for closing my account, the bank responded security reasons but they could not tell me why. I transfer from XXXX XXXX to BMO after 10 calls I realized there is no one to help me I gave up with 1 hour on the phone every time. Finally, they sent me a check for the amount of {$49000.00} and deducted {$1200.00} from the original amount of XXXXthey are frauding senior citizens like me for no reason. they can not provide any documents I closed the account or request an early withdrawal. I ask them to send me any proof they have nothing was send to me. 

thank you 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 monetary relief
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
this account is still on my report and being wrongfully updated by XXXX  XXXX and transuioin the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXXXXXX 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 2024-09-14 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: FL

Complaint narrative:
this account is still on my report and being wrongfully updated by experian equifax and transuioin the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XXXXXX/XX/XXXX Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
this account is still on my report and being wrongfully updated by experian XXXX and XXXX  the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XXXXXX/XX/XXXX Status Account charged off. {$18000.00} written off. {$18000.00} past due as of 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 2024-09-13 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: MI

Complaint narrative:
I did not authorize these inquiries, & I want them removed. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Hello. my name is XXXX XXXX, I made the honest mistake of helping XXXX XXXX with an auto loan, that was not satisfied. This person was unable to make the required payments for the loan which resulted in the vehicle being repossessed. I had no knowledge of the situation that was unfolding and the resulting damage to my person. I just today found out. After contacting the CFPB and hearing the possible different directions that we are able to go with the issue she states she is willing to pay for the amount owed, including any fees from the repossession. I simply wish to erase this issue from my own credit history and pass over any issues there may be to her person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: OR

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX I received unemployment benefits, I set my benefits up for direct deposit and destroyed the Reliacard payment card. It took a long time for the benefits to actually come through that year. Apparently the first payment was on the Reliacard and I did not realize it. 
I recieved a letter from US Bank in XX/XX/XXXX stating I had unclaimed property and I had reach out to them before XX/XX/XXXX to retrieve these funds. First I went to a US Bank branch and asked for help. They assured me the letter was legitimate and directed me to call the phone number on the letter. I called to claim these fund on XX/XX/XXXX at XXXX, I gave them all my information and requesedt the funds be sent to me via check. The man on the phone said it would arrive in XXXX XXXX. The check did not come. I called back on XX/XX/XXXX. I spoke wirh a supervisor, XXXX, who looked into the matter and saw the banks mistake and she provide me with a case number. I called back today to follow up. I was told they would not help me and that i never requested the check. That is not true and the bank should have a recorded call to prove it. They mishandled my money and sent back to the state. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Customer Service Department Bank of America Subject : Request for Removal of Negative Information from Credit Report under 15 USC 1681n Dear Bank of America, I hope this message finds you well.

I am writing in regard to negative information that has been reported on my credit file in connection with my Bank of America account. After reviewing my credit report, I believe this information has been reported without my consent and may constitute a violation of the Fair Credit Reporting Act ( FCRA ) as outlined under 15 USC 1681n.

Specifically, the FCRA requires that any information furnished to credit reporting agencies must be accurate and fair. In this case, I never provided express consent, either written or universal, for the reporting of negative information on my personal account. Furthermore, Congress response to the XXXX pandemic in XXXX  highlighted the importance of protecting consumer credit during these uncertain times, especially as the pandemic presented numerous unprecedented challenges for many Americans. 

Given the circumstances and in accordance with the FCRA, I am formally requesting : A review of the negative information reported on my credit file and its immediate removal, as I did not authorize its inclusion. 
An explanation of the processes you have in place to ensure that consumer consent is obtained before reporting negative information. 
Written confirmation that any negative information related to my Bank of America account has been removed or corrected from my credit file.

Please note that under 15 USC 1681n, unauthorized or inaccurate reporting may entitle a consumer to seek damages for willful non-compliance with the provisions of the FCRA. I trust that Bank of America will handle this matter promptly and avoid any need for escalation. 

Thank you for your attention to this important issue. I look forward to your timely response and resolution. 

XXXX XXXX without predjuice UCC 1-308

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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.

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 XXXX 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