vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
I have a contract to pay for my car on the XXXX of each month. On XX/XX/XXXX, I made my car payment and XXXX XXXX processed the payment correctly, my bank affirmatively confirms that XXXX XXXX collected the funds on time. However, XXXX mistakenly processed the payment several days later and put the late payment on my credit report. I am presenting XXXX with the necessary evidence that indicates that the charge was processed successfully, my bank statements confirm this. XXXX is not presenting any documentation, it is only limited to saying that the payment was made out of date. They send a letter created by themselves with a summary of the payments. However, I am submitting bank statements and transactions demonstrating that payment was made on time. Currently, XXXX technical support recognized that they have had errors on their website to process payments that I should have sent the payment 5 days before. THIS IS A FLAGRANTY VIOLATION OF CONSUMER RIGHTS. XXXX is NOT presenting any evidence beyond a document created by themselves. My account statements demonstrate my payment on time, this is and constitutes sole evidence and refutes any late payment. If my account statements with collection transactions do not demonstrate XXXX 's inconsistency, then what is the point of dispute processes with the credit bureaus if they do not take into account evidence or documentation? Credit bureaus make decisions based on their profits and do not protect consumers. There are no letters indicating why they make the decisions. I expect a firm resolution to this matter, to avoid continued disputes until the matter escalates and is removed from my 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 non-monetary relief
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
I have a contract to pay for my car on the XXXX of each month. On XX/XX/XXXX, I made my car payment and XXXX XXXX processed the payment correctly, my bank affirmatively confirms that XXXX XXXX collected the funds on time. However, XXXX mistakenly processed the payment several days later and put the late payment on my credit report. I am presenting XXXX with the necessary evidence that indicates that the charge was processed successfully, my bank statements confirm this. XXXX is not presenting any documentation, it is only limited to saying that the payment was made out of date. They send a letter created by themselves with a summary of the payments. However, I am submitting bank statements and transactions demonstrating that payment was made on time. Currently, XXXX technical support recognized that they have had errors on their website to process payments that I should have sent the payment 5 days before. THIS IS A FLAGRANTY VIOLATION OF CONSUMER RIGHTS. XXXX is NOT presenting any evidence beyond a document created by themselves. My account statements demonstrate my payment on time, this is and constitutes sole evidence and refutes any late payment. If my account statements with collection transactions do not demonstrate XXXX 's inconsistency, then what is the point of dispute processes with the credit bureaus if they do not take into account evidence or documentation? Credit bureaus make decisions based on their profits and do not protect consumers. There are no letters indicating why they make the decisions. I expect a firm resolution to this matter, to avoid continued disputes until the matter escalates and is removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
I have a contract to pay for my car on the XXXX of each month. On XX/XX/XXXX, I made my car payment and XXXX XXXX processed the payment correctly, my bank affirmatively confirms that XXXX XXXX collected the funds on time. However, XXXX mistakenly processed the payment several days later and put the late payment on my credit report. I am presenting XXXX with the necessary evidence that indicates that the charge was processed successfully, my bank statements confirm this. XXXX is not presenting any documentation, it is only limited to saying that the payment was made out of date. They send a letter created by themselves with a summary of the payments. However, I am submitting bank statements and transactions demonstrating that payment was made on time. Currently, XXXX technical support recognized that they have had errors on their website to process payments that I should have sent the payment 5 days before. THIS IS A FLAGRANTY VIOLATION OF CONSUMER RIGHTS. XXXX is NOT presenting any evidence beyond a document created by themselves. My account statements demonstrate my payment on time, this is and constitutes sole evidence and refutes any late payment. If my account statements with collection transactions do not demonstrate XXXX 's inconsistency, then what is the point of dispute processes with the credit bureaus if they do not take into account evidence or documentation? Credit bureaus make decisions based on their profits and do not protect consumers. There are no letters indicating why they make the decisions. I expect a firm resolution to this matter, to avoid continued disputes until the matter escalates and is removed from my 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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
On XX/XX/year>, I deposited a legitimate check in the amount of {$2000.00} from my husband XXXX XXXX whose savings was around {$14000.00} which would be automatically transferred to cover a check. This is a long established account with a pattern of these transactions to pay bills. I've never had a problem with this process before but Sofi rejected this check without explanation and directed to call them. There was no valid reason to reject this check. Is Sofi now in the business of determining how our money should be spent?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a bank account with TD Bank ( checking and savings ). TD Bank restricted my account with no information provided to me other than to walk into a branch to resolve this. I walked into the Td Branch on XXXX XXXX in XXXXXXXX XXXX on XX/XX/year> around XXXX to resolve this and again was given no answer other than the account is restricted. I need access to my funds and I would like to retrieve my money now to pay my rent. I called TD bank fraud department after visiting the branch and again they had no information to provide me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM 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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Auto loan was paid and closed they refuse to remove it off my credit report and its negatively impacting me no matter what I do they wont remove it but yet I get calls and theyre steadily attacking my credit report with false information each month the vehicle was returned by my and then soon after was sold a month later the company itself is currently being sued due to false reporting information and illegally charging or doubling interest rates on vehicles they are trying to charge me for a vehicle that was fully paid off once sold it took them XXXX months just to come and get the vehicle from us as requested and then trying to charge us and sue us for things they have done in result of these fees

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 2024-05-22 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: NV

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-22 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: NV

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
XXXX started charging my company 4 additional lines that were never ordered. They just put them on my account. Not sure when that started, but we contacted XXXX XXXX in XX/XX/XXXX, and they agreed they were improper charges. We asked for credit but it never came, and they also continued to charge us for those lines. We spent hours on phone trying to resolve, but no help. Finally, we as a result we chose to switch services. XXXX was to send shipping labels for their equipment to be returned and credited, but they never would even after repeated calls. Final billing came to {$2300.00}. We again asked for the credits and shipping labels onXXXX and again on XXXX. No response from XXXX XXXX until Amsher Collections dinged my credit reports. We called Amsher XX/XX/XXXX to discuss, but they did not return my call. Contacted Amsher today XXXX and spoke with XXXX XXXX and XXXX XXXX. They reported to me that XXXX XXXX just gave us a credit of {$540.00}, on XX/XX/XXXX, which we have not seen or received other than the verbal credit when speaking to XXXX. It was unfair that Amsher would arbitrarily ding my credit report on a disputed billing WITH-OUT even returning my phone calls. This action has damaged me personally. I offered to pay {$1500.00} of the supposed balance of {$1800.00} with-out verifying the credits, but they refused. Is there any legal action I can do against Amsher and XXXX XXXX. Can you order Amsher to remove their negative credit report immediately. I have no problem paying what I may owe, but I need to be treated fairly. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AZ

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
Please remove this address from my report XXXX XXXX XXXX XXXX XXXX I don't live there

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 2024-05-22 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: LA

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX # : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: OR

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-22 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: OR

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
It started in XXXX when they say I missed a couple payments, they repoed my car. XXXX XXXX XXXX XXXX CT retrieved it. Cost {$520.00} in cash and wasn't given a reciet. I paid XXXX to Hyundai finance and after that was paid they said my next payment would be XX/XX/XXXX. I went to pay and said I owed {$990.00}, my payment is {$490.00} I asked why it was that amount. They transferred me to someone and she asked me for my full # SS number, I asked her if I could have hers, she said no so I told her that I'd give her my last 4 digits. As I didn't have my account number. She refused to help. So I called again and again they said they can't help. So I called again and finally I got some answers, one, they said that the money, {$1800.00} was put towards the principal and I still owed {$420.00} for report charge. That charge was included in the payment I made. I told them I already paid that and he said no the money was put as principal and could he set up a date to pay that. I told him I would pay my payment {$490.00} + {$20.00} dollar late fee. So I paid that. Then I asked about the remaining {$59.00} and they didn't address that.my credit report said as of XXXX I had XXXX balance on that account. I also don't know if their allowed to give my personal information to a 3rd party aka report company. 
I have a 2022 XXXX XXXX from central Hyundai in XXXX XXXX Bought XXXX of XXXX. I'm on XXXX and for a XXXX dollar car they charged me over XXXX, my sister cosigned, both our credit scores were XXXX or below, I make {$1700.00} and my sister makes XXXX but they put me as cosigner and my sister as buyer. But everything, registration and insurance I pay. Not sure if I'm paying way to much for my income and how it got to that amount.

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 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I have received multiple calls every day even after explaining I'd pay every two weeks. They called me at XXXX XXXX on XX/XX/24 from a no caller ID. Employee number XXXX

Company response to consumer: Closed with non-monetary relief