vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account # 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 2024-06-05 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:
I check my check report and some school called XXXX XXXX charged me {$4100.00}. This is the second time someone has Fraudulently use my information to attend the school. I have told them numerous times I have my degree. I do not need to attend the school for XXXX XXXX. I have filed a police report. Also, when this occurred, I was in the hospital for XXXX XXXX getting a XXXX  so the furthest from my mind was attending college, I checked my bank account and saw fraudulent charges and the bank reversed them.

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 2024-06-05 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: IL

Complaint narrative:
I check my check report and some school called XXXX XXXX charged me {$4100.00}. This is the second time someone has Fraudulently use my information to attend the school. I have told them numerous times I have my degree. I do not need to attend the school for XXXX XXXX. I have filed a police report. Also, when this occurred, I was in the hospital for XXXX XXXX getting a XXXX  so the furthest from my mind was attending college, I checked my bank account and saw fraudulent charges and the bank reversed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
I check my check report and some school called XXXX XXXX charged me {$4100.00}. This is the second time someone has Fraudulently use my information to attend the school. I have told them numerous times I have my degree. I do not need to attend the school for XXXX XXXX. I have filed a police report. Also, when this occurred, I was in the hospital for XXXX XXXX getting a XXXX  so the furthest from my mind was attending college, I checked my bank account and saw fraudulent charges and the bank reversed them.

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 2024-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: CA

Complaint narrative:
Laurel Road XXXX XXXX XXXX declined my account application, referring XXXX XXXX. 
I don't have any negative information on XXXX. They requested my Driver License, SSN Card, and all other information by their representative first. After that, they also asked me to create online log in. After I created online banking log in, they told me that they were unable to open the account! 
WHY ASK FOR ALL ID INFO AND SET UP ONLINE LOG IN BUT REJECT ME! Questionable Practice! 

Bank Info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Laurel Road is a brand of KeyBank, N.A. All products are offered by KeyBank, N.A. Member FDIC. XXXX  KeyCorp All Rights Reserved. 

Email us at XXXX XXXX XXXX For members using a TDD/TTY device, please call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX 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

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 2024-06-05 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: NC

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-05 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-05 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-05 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have called CitiBank countless times in which their system notes reflect that things are inaccurate yet somehow my disputes are been closed as if someone cant read or unwilling to investigate. They sent out emails stating my account was closed last year, in which I then worked out a payment arrangement to take care of the account in full per there arrangement to not to continue to leave derogatory remarks. Once money was paid, along with extra fees, somehow my account wasnt closed until this year with extra derogatory marks stating 150 days past due and etc.

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 2024-06-05 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX 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

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 2024-06-05 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) Section 623 by XXXX XXXX XXXX XXXX and XXXX. Below, I have detailed the issues observed on my credit reports with Equifax, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Illegal Re-aging on Equifax and XXXX : The last activity reported on my Equifax credit report is listed as XX/XX/XXXX. 
The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
However, XXXXXXXX XXXX 2-year payment history shows two instances of being 60 days late, which is not reflected on Equifa

x, indicating a discrepancy and potential illegal re-aging. This inconsistency violates FCRA Section 623, and I req
uest the removal of this false information immediately. 
XXXX ( Account # XXXX ) Violation of Reporting Standards : XXXX shows this account as past due, whereas Equifax and XXXX both show it in good standing. This discrepancy constitutes double jeopardy and is a form of illegal re-aging. 
XXXX reports the last activity as XX/XX/XXXX. 
Equifax reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
Additionally, there are numerous inconsistencies in the 2-year payment history across all three credit bureaus, further indicating inaccuracies and reporting errors. 
Given these multiple violations, I request that the inaccurate information be corrected or removed from my credit reports immediately. 
These discrepancies and reporting inaccuracies have caused significant distress and have adversely impacted my creditworthiness. I urge the CFPB to investigate these matters promptly and ensure that the reporting entities comply with the provisions of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) Section 623 by XXXX XXXX XXXX XXXX and XXXX. Below, I have detailed the issues observed on my credit reports with XXXX, Experian, and XXXX. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Illegal Re-aging on XXXX and Experian : The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
The last activity reported on my Experian credit report is listed as XX/XX/XXXX. 
However, Experian 's 2-year payment history shows two instances of being 60 days late, which is not reflected on XXXX, indicating a discrepancy and potential illegal re-aging. 
This inconsistency violates FCRA Section 623, and I request the removal of this false information immediately. 
XXXX ( Account # XXXX ) Violation of Reporting Standards : XXXX shows this account as past due, whereas XXXX and Experian both show it in good standing. This discrepancy constitutes double jeopardy and is a form of illegal re-aging. 
XXXX reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
Experian reports the last activity as XX/XX/XXXX. 
Additionally, there are numerous inconsistencies in the 2-year payment history across all three credit bureaus, further indicating inaccuracies and reporting errors. 
Given these multiple violations, I request that the inaccurate information be corrected or removed from my credit reports immediately. 
These discrepancies and reporting inaccuracies have caused significant distress and have adversely impacted my creditworthiness. I urge the CFPB to investigate these matters promptly and ensure that the reporting entities comply with the provisions of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-06-05 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I am writing to express my frustration with the dispute process regarding items on my credit report and to formally dispute this fraudulent information. Despite my diligent efforts to provide valid documentation, such as the required FTC report, it seems my message is not being properly received by your bureau. Let me be clear : I am personally initiating these disputes under my name. 

The items in question are unfamiliar to me, and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 

Enclosed are the items that are unfamiliar to me : 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 2024-06-05 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: CA

Complaint narrative:
Creditor : XXXX XXXX  Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Been calling GM FINANCIAL over a week for voluntary repossession of my wife 's and I XXXX XXXX XXXX. Talked to approximately 4 personnel in Customer Service and a Supervisor on XX/XX/XXXX ( XXXX XXXX ), she will inform their Reprocession Department for them to call us, send us disclaimer for voluntary turn in of car, as of this time, no call or documentation. XXXX XXXX told me the car will be put up for auction and whatever they did not get make our loan remaining balance, we would have to pay GM Financial that balance. The is worth according to XXXX XXXX XXXX ( {$13000.00} ) and our balance due is approximately {$20000.00}. Question, why are consumers that can not afford to pay for a product anymore due to financial hardship or medical reasons and are elderly have to pay for a product they no longer own. If GM Financial repro the car, it's their property, not ours, they should cover the balance or write it off. The elderly, who mostly living on fixed income suffers the most and especially when both my wife and I are XXXX XXXX VETERANS ( myself a XXXX XXXX XXXX XXXX XXXX. When the vehicle was purchased, the used dealership did not completely do a thorough maintenance inspection of vehicle or performed a complete detailing of vehicle. I myself did the detailing at home, inside out and done a maintenance check and a friend ( Master Mechanic ), identified the maintenance problems and I took the maintenance check list back to thXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, Texas, to becorrected. Whose gon na pay me for detailing and having the vehicle checked? Solution, no balance payment/waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account # 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief