vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: AZ

Complaint narrative:
My accounts 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/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 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 2024-08-01 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:
I would like to request for XXXX Long story short, I've expressed to XXXX  that my mortgage was being stolen, and what should be a balance of {$300.00} to {$390.00}, instantly and now reporting in my credit a balance of {$440.00} ... ..fix it now. 

I purchased property XXXX {$460.00} over XXXX yrs ago and paid full escrow only. I have never once authorized any heloc, loans or payment. 

I have all the documentation since date of purchase to prove the fraudulent and thieving activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
On XX/XX/year> i file for disputing some accounts from my credit report. i file a dispute with XXXX. Experian and XXXX and all of the accounts came back as verified and updated. 

Here are the account i file for dispute 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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We were married on XX/XX/XXXX by Officiant XXXX XXXX at our home in XXXX in the State of New York. ( SS # XXXX XXXX and XXXX XXXX ) We made a correction in XX/XX/XXXX to report XXXX 's Divorce in XXXX, which was corrected in XX/XX/XXXX as reported by XXXX Town Clerk XXXX XXXX by letter from NYS DOH. We had submitted by certified mail to NYSDOH their form for mail in Application for Copy of Marriage Certificate on XX/XX/XXXX with our check # XXXX routing # XXXX account # XXXX made payable to NYSDOH for {$30.00}. The amount was debited from the Webster Bank ( Sterling ) on XX/XX/XXXX. ( see attached check image front and back ) Note that the check image provided by Webster has no time stamp for deposit or NYS DOH agency identification. There appears to be a hand written account number XXXX and stamp For Deposit Only XXXX.. On XX/XX/XXXX we issued a USPS certified letter of inquiry ( # XXXX ) to the NYS DOH records department to inquire on the status of the processing of our certificate with copies of the paperwork and check image provided by Webster Bank . We made phone inquiries to NYSDOH to inquire about receipt and deposit of the check, but were told there is no accounting department by the woman answering the call for the Commissioners phone number. We did not receive a response to date from NYS DOH or the certificate. We had explicitly asked that a case be opened to investigate the transaction which was discussed with XXXX XXXX, Webster Banking Center Manager and XXXX XXXX. To date we have not been provided a case number and were told by XXXX XXXX " we can't give any information because the department doesn't disclose it '' When we asked for a case number XXXX XXXX stated : " I am not going to cooperate with you ''. Webster Bank permitted the funds to be removed from the account against this check as indicated on the online bank ledger, so how could they not know who received the funds? Is XXXX XXXX XXXX in possession of the original check? Did NYS DOH receive the funds that were debited against this check? Who is in possession of the original check?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!

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 2024-08-01 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXXXXXX fortiva credit card, amount over XXXXmy account, company will not send me proof off account, I have tried to request this info more then three times with no response or and results..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
My accounts 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/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 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 2024-08-01 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: MI

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 non-monetary relief
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Nav Technologies, Inc.
State: NC

Complaint narrative:
XXXX was sold to XXXX. I had deposited {$500.00} to XXXX and they added a card that would report to XXXX bureaus monthly as a trade line. XXXX promised to refund funds as they were no longer to be in business. XXXX has yet to refund funds as stated in emails. XXXX does not respond to email and or phone requests for an update. 

XXXX owes {$500.00} back. Many other consumers have been affected by their failed business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a customer of Lowes credit card for years and have always made my payment on time to avoid interest and fees. 

I made a charge in late XXXX after not using my card for 6 months and in early XXXX I received an email stating my account was past due. I immediately called and they said I had a balance of {$140.00} that was not paid. I advised I did not receive the statement and agreed to pay immediately. The rep agreed to waive the late fee but I asked if they could also waive the interest due to what occurred. She said she would escalate it to her manager as she had no empowerment. 

A few days later they came back and said my request was denied as the statement was mailed. By that time I received my new statement and had {$39.00} in interest on a balance that was {$140.00}. I called and spoke with a supervisor who agreed to waive the interest charges and told me to send in the amount of my new charge which was {$620.00}. He said that would zero everything out. 

In XXXX I received a statement with a balance of {$10.00} which surprised me. I called today and it was escalated to an account manager who said she has no ability to credit that fee as the system locks her out as a fee was credited in the last 12 months. I asked that this be escalated further and she said she was the top of the chain and no one has the ability to credit this fee. I said I do not believe that as I also work for a bank and someone has that authority especially with me being told the {$620.00} would zero out my balance. She said thank you for calling and hung up which is the reason I am filing this complaint. 

Also earlier this year they started charging for statements being mailed. This seems like a junk fee and it should be built into their rate, which is already very high.

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 2024-08-01 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX 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 2024-08-01 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: IL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Merchants Automotive Group LLC
State: MA

Complaint narrative:
-Seller went under ( bankrupt ) and never received documentation. 
-The lien holder, XXXX XXXX XXXX XXXX was completing fraud moves such as, not providing a W-9 to get paid by my crisis worker, repossessing my car on private property, harassment ( calling my sister and father ), not helping with {$10000.00} worth of damage, refusing default to cure. 
-committed title fraud by selling my car to XXXX owners with a contract still valid and title still active. 
-Carfax said the car was in an accident when there was evidence by the XXXX. 
-The title was changed XX/XX/year> ( yesterday ), after XXXX owners. 
-The lien holder made an insurance policy in my name and I paid the deductible. 
-I warned XXXX about discrepancies and the safety risk but no one listened. 
-There is odometer fraud all over the place. 
-Car is worth {$2500.00} and sold for {$8900.00} at auction. 
-Car was not worked on based on review. 
-My file was in a box with a check but now they are saying I do not get money back. 
-They want XXXX people to pay for the full car. My contract is null. Now it is the owner 's loan and I should receive my money back, compensation for my belongings, reimbursement for my insurance, XXXX, and gap insurance, and pain and suffering for selling me a lemon ( knowing all the damage ) and not getting much time. I missed doctors appointments, parties, gatherings, etc. 
-It went into XXXXXXXX XXXX many times and insurance was barely covered but paid {$900.00}. 
-Lien holder was so rude and didn't care about calling my family. 
They refused to send me documents that they claim they did but would be held at the post office. 
-They claim they don't need to tell me about throwing away my belongings but I called and they didn't know where my car is. The next time, my car had nothing in it. I lost my XXXXXXXX XXXX  {$3500.00} wedding ring ( all I have of her. ) I am moving so I had a lot of stuff. I have witnesses who were helping me. 
-went through the dark web to get into the USPS database. 
-There is probably more but I can't think of it

Company response to consumer: Untimely response
Consumer complaint received 2024-08-01 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:
Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of human trafficking debt bondage, which is categorised under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 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 2024-08-01 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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