vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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 with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 non-monetary relief
Consumer complaint received 2024-07-22 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: PA

Complaint narrative:
I am asking for your help in regards to this inaccurate account that is being reported on my credit report. It's damaging my reputation, and I need your help to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
Please take my complaint seriously, there are information that are false and not the maximum possible accuracy that is being reported on my credit report. This errors are causing me extreme stress, affecting me unfavorably.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-07-22 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Order date : XX/XX/year> Order total : US {$86.00} Order number:XXXX 
Reported I didnt receive the item : Request XXXX on Sent : XXXX XXXX XXXX XXXX the seller sent the package to my address. tracking information states item was delivered in or at the mailbox at XXXXXXXX XXXX on XX/XX/year> in XXXX, OH XXXX. 
Per USPS the package was sent to ( see attached ). These are the emails from USPS as to where the package was delivered and there weren't any packages delivered to my address on the day it states delivered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Reporting anything negative on consumer report without my permission, more being notified before hand by furnisher is a violation FCRA and XXXX Compliance & reporting violations 15 usc 1681a ( d ) ( 2 ) ( a ) ( i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Reporting anything negative on consumer report without my permission, more being notified before hand by furnisher is a violation FCRA and XXXX Compliance & reporting violations 15 usc 1681a ( d ) ( 2 ) ( a ) ( i )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: OH

Complaint narrative:
Reporting anything negative on consumer report without my permission, more being notified before hand by furnisher is a violation FCRA and XXXX Compliance & reporting violations 15 usc 1681a ( d ) ( 2 ) ( a ) ( i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: CA

Complaint narrative:
a bunch of thieves, they took {$250.00} as a hold for a new car but they changed the terms of the loan, when i didn't accept the new terms they said tough luck. the second car i tried to get is used so i had to pay XXXX $ to reserve it, when they couldn't find me a loan they also said tough luck and that it's not refundable. they are nothing but thieves and musk should go out of business for these scams they are doing to honest working Americans. I wish nothing but bad luck to this stupid dishonest company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On three different occasions, I requested ( in writing ) for PMI to be removed based on XXXX ( original loan amount was $ XXXX, purchase price was $ XXXX, and the balance is $ XXXX ). As of today, the PMI still has not been removed. I made the initial request to the loan company over XXXX  months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I did not authorize these lenders or companies to obtain my consumer report or anything about me, I want the inquiries removed of my consumer report as soon as possible because it is hurting my ability to obtain credit or I will take legal action as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Experian that these are from 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 explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 non-monetary relief
Consumer complaint received 2024-07-22 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: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had an issue with the promotion on this card. I was under the impression i had to spend XXXX  XXXX but it was really XXXX  XXXX. I called on or about XX/XX/year> and was advised by customer service that an extension could be possibly given as i had spent {$4900.00}. However the extension was not given. So then i called again on XX/XX/year> inquiring about that and to close this card. I was told by customer service that if i close the account the annual fee would be prorated. I decided to think about it and called again on XX/XX/year> and spoke to a manager named XXXX. I was advised once again that i could not have got an extension on the promotion. I asked to close my account and was told that the annual fee would not be prorated when 2 other customer service reps told me otherwise. I asked for XXXX 's XXXX  but he would not provide me that info or any other corporate info to file a complaint. I had to look it up myself online to find the info. I feel like Chase is not acting in good faith and also deceptive trade practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
Please take my complaint seriously, there are information that are false and not the maximum possible accuracy that is being reported on my credit report. This errors are causing me extreme stress, affecting me unfavorably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: GA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. These accounts was all open FRADULENTLY. This is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 
ALSO, This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered IncomXXXX, it has to be removed. Income can not be reported on credit files Here is the account I am asking you to verify. 
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 explanation
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report, and I noticed the following hard inquiries dont have permissible purpose. I have attached the evidence XXXX  XXXX This inquiry does not have permissible purpose according 15USC 1681B XXXX XXXX This inquiry does not have permissible purpose according 15USC 1681B XXXX XXXX XXXX This inquiry does not have permissible purpose according 15USC 1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
it's been over 30 days and the company involved has failed to verify the alleged debt they are talking about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: DISCOVER BANK
State: MI

Complaint narrative:
I have disputed inaccurate information and XXXX identity theft report with the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX notified me, that I had very good approval odd for a XXXX XXXX XXXX card, so I applied, and was denied. According to XXXX XXXX, they pulled from Equifax credit bureau. XXXX, XXXX XXXX is disingenuous. For example, XXXX XXXX written explanation, Account has late payments or negative record within 1 year of opening is a blatant lie! I have NEVER BEEN LATE with ANY OF MY ACCOUNTS IN THE LAST XXXX YEARS!! My accounts with XXXX XXXX or XXXX XXXX, nor my revolving accounts with XXXX or XXXX was NEVER LATE! Plus, I have ZERO collections. Most importantly, I paid XXXX and XXXX settlements in full on time. XXXX XXXX gerrymandered my application already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian notified me, that I had very good approval odd for a XXXX XXXX XXXX card, so I applied, and was denied. According to XXXX XXXX, they pulled from XXXX credit bureau. XXXX, XXXX XXXX is disingenuous. For example, XXXX XXXX written explanation, Account has late payments or negative record within 1 year of opening is a blatant lie! I have NEVER BEEN LATE with ANY OF MY ACCOUNTS IN THE LAST XXXX YEARS!! My accounts with XXXX XXXX or XXXX XXXX, nor my revolving accounts with XXXX or XXXX was NEVER LATE! Plus, I have ZERO collections. Most importantly, I paid XXXX and XXXX settlements in full on time. XXXX XXXX gerrymandered my application already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: MD

Complaint narrative:
I did not authorize these companies to make any inquiries that I see on my credit report. This is a violation of the Fair Credit Report Act section 1681b ( c ) and a serious breach of my privacy rights. I asked the Credit Bureaus to remove them. The Credit Bureaus did not remove them as I asked. I am providing an IDTheft report which I will attach to this complaint. I am asking the CFBP to remove them as they are inaccurate and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
Upon Checkin my Credit report, I noticed these unauthorized inquires on my credit report and have suitable reason to believe I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation