vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: MD

Complaint narrative:
I'm actually writing this as a complaint regarding the hypocritical expectations of credit reporting agencies, specifically regarding opening new lines of credit. The credit industry increases your score only when you have good standing accounts and a low credit usage ratio. So raising your credit limit ( otherwise proving that you have said good standing with the company ) should only increase your score. The excuse that a " hard inquiry '' should temporarily lower your score, even though it's proving that you qualify for higher credit, is not only hypocritical, it's unethical in a country that is already struggling with personal debt. In addition, the suggestion that opening a new account should actually lower your " average '' credit history is ridiculous and only serves to further harm people 's financial stability. The first account opened is still the first account. Opening a new one doesn't change that fact. Making the length of credit history an average of when the accounts were opened is completely illogical. Credit reporting agencies should be held accountable for imposing hypocritical rules that make it so that if you do what they want and maintain good standing credit, as shown by the banks ' decision to grant you a new line of credit or increase your current limit, you are penalized for it. This is unfair, illogical, and, as stated, overall unethical. I'm sure this complaint will not make any difference, and I'm sure that the rulemakers care nothing for their impact on the rest of the country, basically everyone who isn't them. But it needs to be said regardless.

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 2024-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was encouraged to apply for a special promotion credit card with The Home Depot. ( THD ) card is serviced by Citi Credit Card Services. Under the promotion, payments are due on first of each month, and no interest charged until XX/XX/year>. 

I pay all my bills through my bank, which is XXXX, Bill Pay. Bill Pay guarantees that payment will reach merchant in one day. Payments are paid electronically. 

Some how, payments arrived at XXXX on first, second, or third of each month. XXXX has been unable to explain this situation. 

I did not intend to be one/two days late. 

THD states on their statement that if one is late, there MAY be a late charge. Also, XXXX was charging me {$2.00} month when no interest ( as stated on their statement ) to be charged before XX/XX/year>. 

I want all charges ( late and interest removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2024-06-27 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:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX health.

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 2024-06-27 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:
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 the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name XXXX XXXX  account number : 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
incorrect information 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 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-27 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: CA

Complaint narrative:
I recently checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a business checking account with Truist using the promotion code : XXXX. Now that I have fulfilled the terms of the promotion, Truist is claiming I did not have the promotion applied to my account. I even went in-branch to set up my online banking and they said it looked okay, then when I tried to login later they had apparently done it incorrectly. I had to get new online banking information set up for me over the phone later that day.

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 2024-06-27 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: FL

Complaint narrative:
My account with XXXX 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 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. 

XXXX XXXX XXXX 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion, XXXX, & XXXX continue to report incorrect information on my consumer report. I have previously filed several complaints about this matter and have yet to get it resolved. My name is XXXX XXXX this is my only name nothing else is correct my address is XXXX XXXX XXXX XXXX California XXXX this is my only address remove any other address it is my not my job to validate account but the consumer agencies.

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 2024-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Good afternoon, Please see attached communication with Bank Representative XXXX and email to underwriter dated Tuesday XX/XX/year>. 



My husband and I previously applied for a HELOC on XX/XX/year>. I forwarded all initial requested documents on that date. Additional documentation was requested and forwarded directly to the underwriter on my file on XX/XX/year>. 



I continued to check on the results of the application as you can see in the text thread below. In addition to the text thread I called the office of Truist bank several times. I spoke with XXXX who informed me XXXX was out of office on vacation. As a result of XXXX vacation XXXX was unable to give me any updates on my application. 



On XX/XX/year> I spoke with XXXX who informed me my application was denied due to not receiving the requested documentation. As a result of the application being over the time limit I would need to apply again. 



This unfortunate circumstance is to no fault of my own. Yet my credit has suffered as well as other endeavors I intended to use the funds for. My credit score dropped by XXXX points in XXXX due to the first application. With an additional application my score will continue to be damaged. My credit score should not be further impacted due to XXXX negligence. 



I have banked with Truist for over a year. We have several accounts with Truist. On my credit report there are over 4 inquiries from Truist Bank. The inquiry from XX/XX/year> labeled as Truist Bank has no justification for the request.

I am requesting the original application and credit score be used to determine my acceptance of the loan. My husband and myself have no issue with providing additional documentation on our income.

I feel like my husband and I are being discriminated against. We went in office to complete this application. 



Please expedite this matter and advise. 

Best, 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 2024-06-27 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:
It is so distressing and you have no idea how bad it is, XXXX an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX at XXXX I attempted to deposit 2000 cash into my account via the atm at truest bank elkin XXXX..the atm shut off as it was counting my deposit..it didn't post the deposit to my account and took my card..I called the bank right then and was told it would be resolved today XXXX called the branch to today and they didn't resolve my missing money and bank card..said they didn't know how long it would be till they knew something..this is very unprofessional when all they need to do is get the atm company to come out and retrieve my money and 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 2024-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have been experiencing several safety issues with my vehicle for months. To start, there have been numerous occasions when I couldn't enter my car because the working, which c key fob wasn't creating a safety risk. At times, the vehicle wouldn't start despite knowing it had at least 80 % of its battery, but it was showing 0 % charge on the battery indicator, leading to delays in driving away. Occasionally, when trying to put the car into reverse, it would go into park instead, causing a dangerous situation. Furthermore, the car would unexpectedly shift into park while stopped at intersections or when moving around in the driver 's seat. I have raised these concerns with the company, XXXX, including submitting videos and emails, but they have now filed for bankruptcy. This has been going on for at least 6 months. I bought the car, brand new, in 2023. The car is unreliable, and I feel unsafe driving it for long distances due to fear of the 12v battery dying. Despite having a warranty, the company has no technicians to fix the issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IL

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 non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MS

Complaint narrative:
A debt was listed on my credit report by XXXX and they got a judgement. My bank account was garnished and just recently, the garnishment was released. Capital One bought out XXXX and I don't have a contract for a debt with Capital One. The information for a debt with XXXX is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I recently checked my credit report and found accounts I didnt recognize.

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 2024-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX XXXX Virginia. 

The finance office placed me in a loan with Ally Bank. It took them nearly a month to provide any basic information about the loan like an account number or payment date. 

When I was finally able to get into the account online, They stated on my account that they provided the contract to me on XX/XX/year> which is inaccurate. As of that date, they had provided me with nothing. 

The link to the document online goes nowhere. This video clip showing me trying to access it demonstrates that. 


XXXX XXXX XXXXXXXX? XXXX I have contacted Ally Auto numerous times about this both via phone and live chat and they flatly refuse to take any action on this. If I send them the wrong car payment amount, they would be all over me but I am asking them to correct information posted on my online account. 

I received a voice mail from Ally on XX/XX/year> from the number XXXX asking me to call XXXX, dial option XXXX, then dial option XXXX and ask for XXXX. These numbers got me nowhere other than back to their " customer service '' who had no idea why I was calling. 

They have actively avoided making this correction to my online account for more than two months.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I'm having issues with Bank of America. I have about {$30000.00} dollars missing from my accounts. A couple of people at local branches lost their job or were arrested and not sure what to do. Every time I went into a branch they would run me in circles. I need help or direction in getting Bank of America to respond or filing a complaint in a formal way. .Thanks

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 2024-06-27 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: FL

Complaint narrative:
I am slowly falling XXXX XXXX XXXX XXXX. Could've given up on my credit report despite the amount of times I've been ignored but I will try again and hopefully this time somebody from this company cares enough to save me from my credit disapprovals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: NY

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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