vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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!

Update 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 non-monetary relief
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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!

Update 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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hello My Name is XXXX XXXX XXXX, This is concerning COMPLAINT ID XXXX I contacted the Treasury Department regarding the returned check that was sent from the citizens staff XXXX. 

I reached out to the Treasury office on XX/XX/XXXX XXXX Treasury office XXXX requesting more information concerning the returned check XXXX sent XXXX XX/XX/2024. 

I have reached out to XXXX from the citizens staff several times and she has not returned any of my phone calls which has left me to consider approaching another complaint. 

XXXX information will be on the documents that I will send along with other information such as check numbers account numbers anything that you may need that was sent to me prior to this complaint Information the Treasury Office requested Address the check was sent to The amount of the check Does the check amount match from the previous check amount listed on the document Check number Date the check was sent Tracking number of the check How was the check sent USPS XXXX XXXX Etc also When is the check expecting to arrive? The Treasury office would like to know also did the bank inform Social Security of what they were doing as well so my mom can get a critical payment because she's in the process of being evicted? 

XXXX did not provide any of this information to me and I am very upset because it's like a back and forth battle with her she should have known to release this information prior to our initial phone call after she was done with the investigation she called me and told me she sent the check back to the treasury and she did not give any information that I may need to help my mother get her money back.

I believe she is trying to sabotage my mother in her income because during our conversation I asked her did she want to speak to my mother to address any concerns she basically stated no, her reason was I do not want to speak to your mother because of the voicemail that she left me. XXXX stated she would not release any information to my mother. I feel like withholding this information was purposely done, my mother was upset like any person would be after a bank taking her money and holding it for several weeks at a time! If this is not understood I clearly do not understand what is going on in the world today and why Citizens Bank feel like they have the right of doing something like this to innocent people who did not mean to do no wrong by their company. 

All I'm asking is for citizens to cooperate and release information that I have asked for previously into resolve this issue immediately before I have to pursue a lawyer Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Ive previously disputed this collection account and have denied responsibility for this. This debt is for someone else not me. Ive requested that they send me proof that this debt is mine as well as amounts and what not or remove the account from my report. I have gotten no response from them. No mail. No email. Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear XXXX XXXX & EXPERIAN Executive Management : Please note this is my third communication in attempt to resolve erroneous and aged trade lines from my Experian credit file demanding immediate contact from Experian Senior Management to aid in the removal of these erroneous and aged ( older than XXXX years ) trade lines immediately. 

I write again today as a highly distressed, XXXX U.S. Consumer, after recently reviewing my credit report and noting an egregious amount of misinformation on my credit report most of which are now in dispute per tradeline. You will note my distress, when upon pulling my credit on or about XX/XX/XXXX, I noted several unauthorized accounts reflecting on my credit report, as well as several accounts at or near the legally required Age-off ( XXXX years ), which are still reflecting on my Credit File. My emails and requests for urgent assistance continue to go ignored, meriting immediate and direct contact at this stage! 

To date, please be advised that I have requested the removal of several ( XXXX ) either unauthorized or inaccurate items reflecting on my Credit Report including but not limited to : I. Multiple erroneous collection accounts ( XXXX XXXX XXXX, XXXX XXXX, etc ) XXXX. Multiple accounts which are past due or nearing the legal requirement for aging off of my report ( XXXX years ) : XXXX Accounts, XXXX, and several collection accounts per original creditors Date of First Delinquency ( XXXX ). 
XXXX. Multiple unauthorized inquiries related to auto loans, between XXXX - XXXX, XXXX. 

Please contact me urgently and immediately to aid in the immediate removal of the aforementioned items in question, prior to commencing a Grievance with further regulatory agencies. 

Please be advised that it is grossly unacceptable that Experian continues to arbitrarily deny my disputes and request for removal of these items, pursuant to FCRA & FDCPA. This matter is extremely time urgent, and merits urgent remediation at this level prior to any and all aforementioned Civil and Consumer actions. 

Thank you for your immediate response & commitment to resolution at this level.

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 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Rent Recovery Solutions, RE : Account # XXXX I asked you previously to validate my debt under the Fair Debt Collection Practices Act. This does not fulfill my information request and your requirement to provide the requested documentation. I am following up as requested by federal law and expect a complete response as soon as possible. 
This is my second and final request for such information. 
Within 15 business days of this letter, please provide me with : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in ( state you currently reside ) along with your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Ttey claim I owe credit card debt from over XXXX  years ago to the now defunct XXXX XXXX They have threatened, lied, name called and used profane language. They have called at XXXXXXXX XXXX XXXX XXXX and claimed the filed a UCC in the state of Rhode Island against a supposed debt that as already reached the statute of limitations. I found that they did not file a UCC against an unsecured XXXX year old debt. 
They are also calling related people in the area with the same last name including the ex wife of my ex husband. They NEVER leave a message and most of the calls are from spoofed numbers. 
Portfolio Recovery should be closed down due to their illegal debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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 2024-12-24 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: GA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
I went to a XXXX dealership in XX/XX/2024 because my service engine light came on, only XXXX weeks after having the vehicle repaired for a different issue that they repaired. My vehicle was driving normal and was smooth and very quiet idle when I brought it the 2nd time, which I was told it was something else. I agreed to repairs. I was called days later that it was ready for pickup. I live XXXX XXXX hrs away and caught an XXXX to the dealership. {$69.00} fare. After I paid {$720.00} they then drove my truck around, and it was very loud clacking noises, and tapping sound coming from my truck. Very loud and noticable. I tried asking why they would call me and me that my truck was repaired, and after charging my card. I called immediately and opened a claim with FNBO First National Bank of Omaha, which turned out to be a one sided investigation, which they closed immediately and said I was responsible for the charge. No fight for the consumer rights. I have called to appeal the decision but not sure if it would have any affect, considering how one sided the 1st investigation went. I am not confident in them or to further use this card. Will definitely be closing the account after I pay it off. This is for the FNBOXX/XX/XXXX credit card.

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 2024-12-24 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:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I requested a 1099C and have not received it. Yet they are still reporting on my Consumer report as charged off and I still owe the loan. They also are garnishing my paycheck 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 2024-12-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/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 non-monetary relief
Consumer complaint received 2024-12-24 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, DETE OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, DETE OF LAST ACTIVITY, DETE REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, DETE REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNIONhas failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : CARTA dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

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