vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they are there. I reviewed my credit report as I usually do, but this time, there were unexplained discrepancies. I even refreshed my browser to ensure it wasnt a glitch, but the unauthorized inquiries remained. Im deeply frustrated by this situation and request a thorough review of the documents Ive provided to resolve this issue permanently.

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 2024-12-11 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: VA

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 2024-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I AM TRYING TO LOCATE MY DEFAULTED STUDENT LOANS TO MAKE ARRANGEMENTS AND NO ONE HAS BEEN ABLE TO TELL ME WHERE THEY ARE LOCATED PLEASE HELP. 

I CONTACTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have XXXX collection accounts on my credit reports. According to XXXX XXXX XXXX. The law states that these companies are suppose to cease communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the the consumer with respect to such debt. Which these accounts should not be on my credit report, that is form of communications The company names are : Credit Collection service Account Numbers : XXXX XXXX XXXX The address for the above credit collection agency is XXXX XXXX XXXX, XXXX MA XXXX The next company is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. Act # XXXX Can you please have them remove this from my credit report. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Sensible Auto Lending, LLC
State: IL

Complaint narrative:
On XXXX a debit was debit out of my bank account for XXXX that was not authorize by me or did i give permission. The company that i lease my XXXX XXXX XXXX has a note for XXXX each month, my car insurance was renewed XXXX of XXXX. I was under the impression that Sensible Auto loan would automactically get a copy because they are lean holder, But they did not. Instead of them emailing me or a, text pr a call they went into my account n took a extra hundred dollars out my account. Wen I called to discuss the matter I was told to send a copy of the update insurance n i would be refunded. Well i sent over a copy of my insurance n they agreed it was a legit copy but instead of return on my XXXX they decided to keep my money for interest XXXX fee. My bank account went into overdraft cause the money they took was for something else so i had to bank overdraft fee. The part that is terrible is no one from Sensible auto picked up the phone to get a update they just assume i did not have any insurance. But if I am late on a payment I would get XXXX calls XXXX text about a payment. I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNTS ACCOUNT # XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-10 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
It does not appear that my account was debited or credited correctly, as well as insurance and escrow amounts and payments. The records I have are in conflict with the information presented to me in mortgage statements and other communications with the servicer. I need to have full accounting and documentation so I XXXX attempt to resolve the issues.

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 2024-12-11 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I disputed this information and haven't received any information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Third parties have my personal information and have excessive inquires. I also received a letter that my information was exposed experian data breach. Please delete inquires and address that does not belong to me XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, XXXX XXXX XXXX XXXX XXXX Florida 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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I made a payment of XXXX. I didn't see it go through and I thought maybe I didn't hit the submit button, so the next day I made another payment. Both went through that day. I called immediately to Bank of America and they said it would be no problem and they could refund me. XXXX business days went by and I reached out again. They said the case was closed and they deposited the money into my account. I got a letter a few weeks later stating the same thing. It has not been put into my account. When I called back the XXXX time, I found out they had the wrong routing number and I was told they were looking into it and someone would reach out to me. Nobody has ever reached out to me. I've called 8 times in almost 2 months and they take my info and tell me they are looking into it. This last time, I was told it would take 2 days. It's been XXXX. 

I called on XX/XX/XXXX believe it was the phone call on XXXX XXXX that I talked to a XXXX named XXXXXX/XX/XXXXand he said he'd open a new case. The wrong routing number was to a bank in GXX/XX/XXXX A very nice lady named XXXX in XXXX, CA informed me of this. 

I'm enclosing my bank statements from XXXX and XXXX. I've highlighted on my XXXX statement where the XXXX payments came out and a transfer from my savings to cover the XXXX payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX months ago, I purchased a computer at Best Buy using my " My Best Buy Visa credit card, '' taking advantage of a promotional offer. At no point during the promotion 's disclosure was I informed that additional steps were required to ensure payments exceeding the minimum amount would be allocated to the promotional balance. This critical information was deliberately concealed from consumers. 

To allocate excess payments to the promotional balance, multiple boxes must be checkedboxes that are buried under several layers of obscure links on Citibank 's website. This setup is purposefully deceptive, relying on a lack of disclosure to mislead consumers. It was only through sheer curiosity and persistence that I discovered these hidden steps. Until then, my excess payments were not applied to my promotional balances as they should have been. 

When I contacted Citibank to address this issue, I requested that all excess payments I had made be retroactively applied to the promotional balances. Citibank refused, offering to adjust only the last two paymentsa wholly unacceptable resolution. As of now, I owe {$2100.00} on one balance and {$230.00} on the other promotional balance, despite consistently paying {$250.00} per month, with approximately {$100.00} of each payment intended as an overpayment toward those balances. The {$2100.00} balance is for the computer I purchased, and the {$230.00} balance is for the computer 's insurance plan.

The deliberate lack of transparency here serves only one purpose : to increase the likelihood that consumers will unknowingly fail to allocate their excess payments, ultimately forcing them to incur interest at the conclusion of the XXXX interest promotional period. This practice is not only unethical but appears intentionally designed to exploit unsuspecting consumers. Citibank 's refusal to fully resolve this issue and retroactively allocate my excess payments is a blatant disregard for transparency and consumer 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 explanation
Consumer complaint received 2024-12-10 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 account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 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. 

XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

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 2024-12-10 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-11 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: NJ

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