vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX Date assigned XX/XX/2023 I have received my credit report and noticed some inaccurate accounts reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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 understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: IN

Complaint narrative:
XXXX has flagged my credit report with several late payments and my account is set up on auto pay.

but furthermore, please see below.

15 U.S. Code 1666b - Timing of payments ( 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 XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-09 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: IN

Complaint narrative:
XXXX has flagged my credit report with several late payments and my account is set up on auto pay. but furthermore, please see below
.

15 U.S. Code 1666b - Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am writing to file a formal complaint against Credit Acceptance Corporation regarding ongoing harassment and misconduct, as well as the presence of a mechanic 's lien on a vehicle financed through them. 

Since entering into a financial agreement with Credit Acceptance Corporation in XXXX, I have been subjected to persistent harassment. Customer service associates have repeatedly hung up on me during attempts to resolve issues related to my account. This behavior is not only unprofessional but also exacerbates the challenges I face in addressing concerns about my account. Theyve sent many letters even after the mechanics lien since XXXX. 

Additionally, there is a mechanic 's lien on the vehicle financed through Credit Acceptance Corporation, rendering neither of us as the rightful owner. Despite repeated attempts to address this issue with Credit Acceptance Corporation, no satisfactory resolution has been provided. This situation has caused significant inconvenience and uncertainty regarding the ownership and usability of the vehicle. 

I believe that Credit Acceptance Corporation 's actions constitute a violation of my rights as a consumer and are in breach of relevant consumer protection laws and regulations. The ongoing harassment and failure to address the mechanic 's lien demonstrate a pattern of disregard for consumer rights and fair business practices.

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 2024-04-09 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: GA

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2024 I initiated a domestic wire transfer through my bank, XXXX  XXXX XXXX ( BoA ) to the following : Confirmation Number : XXXX Recipient Name : XXXX XXXX Recipient address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Total sent to recipient : {$30000.00} USD Transfer fees : {$30.00} USD Recipient account : XXXX Recipient Bank : The XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Total to recipient {$30000.00} USD Shortly after completing this domestic wire transfer, I became aware that the account number was not that of the intended recipient. The account number, XXXX, is used by XXXX XXXX XXXX XXXX XXXX XXXX as a holding account for Discover Bank, in the case of international wire transfers. The money went to XXXX XXXX on XX/XX/XXXX. I had BoA issue a recall ( XXXX XXXX ) of funds to XXXX XXXX XXXX which on the instructions of XXXX, had already sent the money to Discover Bank XXXX Discover Bank has provided no information on what happened to my funds. 
The transfer did not include any account number for the named recipient, XXXX XXXX. 
I need to find out what happened to the funds included in this transfer. 
I called the Discover Bank to discuss my wire transfer and they said they cant discuss that with me because I am not the recipient account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, XXXX. XXXX XXXX XXXX has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). XXXX. XXXX XXXX XXXX has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights by XXXX XXXX XXXX including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) XXXX XXXX XXXX is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to XXXX XXXX XXXX. I XXXX XXXX is also revoking all rights XXXX XXXX XXXX from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between XXXX XXXX XXXX. I am also requesting that they furnish proof that they are licensed and bonded in the state of Georgia.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-09 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: IL

Complaint narrative:
It's my understanding that FCRA 605B obliges us to expunge any erroneous accounts from my credit report. Could you please examine the documents? There seem to be inaccuracies in some listed accounts regarding reporting, with discrepancies in amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
I am writing to have the following information removed from my credit file. The items that i need deleted are going to be attached in a word document, i am a victim of identity theft, I have Mutiple accounts and inquires that I DID NOT apply for listed on my credit report. i ask that these be deleted so my credit report will only show accurate information. I reported the theft to the Federal trade commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I was XXXX XXXX and had a XXXX XXXX XXXX that was on my credit through them and then a third party collection agency called XXXX. The balance for the XXXX XXXX XXXX was taken from the IRS and I also even paid the debt agency the fee that they said they charged for the debt in full. I know it may still be on my report but it's stating from the star card that it was never paid and it was paid XXXX XX/XX/2024. The agency was paid the remaining balance on the XXXX. I pulled my report and I am still seeing this reflected on my credit and I am in the process of buying a home and I do have receipts. I want this balance updated.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was XXXX XXXX and had a XXXX XXXX card that was on my credit through them and then a third party collection agency called TSI. The balance for the XXXX XXXX account was taken from the IRS and I also even paid the debt agency the fee that they said they charged for the debt in full. I know it may still be on my report but it's stating from the XXXX  card that it was never paid and it was paid XXXX XX/XX/2024. The agency was paid the remaining balance on the XXXX. I pulled my report and I am still seeing this reflected on my credit and I am in the process of buying a home and I do have receipts. I want this balance updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation