vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: MO

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MO

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
on XX/XX/XXXX and then again on XX/XX/XXXX I called Truist Bank to close my checking and saving accts. On the XXXX I was told that I needed to make deposits to bring each account to zero based on fees and withdrawals. I made that arrangement, and after the account balance was XXXX another maintenance fee went through before I called back to close the accounts. While on the phone the back agreed to credit the fees, but could not close accounts again. The stated reason was that they needed to wait for the pending credit ( issued by the bank ) to clear. I questioned if they could document that I want accounts closed as soon as the balance is XXXX with nothing pending. They are unable to do that. 
Since early XXXX, I have been trying to get ahead of fees and pending charges. This is not only a huge inconvenience, but I also question whether these ongoing fees are legal.

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 2024-11-18 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: ID

Complaint narrative:
THIS IS A NEW and UNIQUE CFPB complaint, not a duplicate. DO NOT AUTOMATICALLY CLOSE THIS CFPB complaint. 

Approximately two weeks ago I sent the following communication to Equifax, XXXX, XXXX, and XXXXXXXX XXXX XXXX regarding a XXXX XXXX XXXXXXXX account that my consumer right to opt out of sharing, as a federally protected consumer per 16 CFR 433.2 and 16 CFR 433.3, my nonpublic personal information with any nonaffiliated third parties, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809, which I hereby exercise and invoke this right. As a federally protected consumer, per 16 CFR 433.2 and 16 CFR 433.3, I now, and indefinitely, as well as retroactively, opt out of any and all authorization ( s ) I, the consumer, may have given XXXX, Equifax, XXXX, and XXXX XXXX XXXX written, unwritten, verbal, and non-verbal, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: ID

Complaint narrative:
THIS IS A NEW and UNIQUE CFPB complaint, not a duplicate. DO NOT AUTOMATICALLY CLOSE THIS CFPB complaint. 

Approximately two weeks ago I sent the following communication to XXXX, Experian, XXXX, and XXXXXXXX XXXX XXXXXXXX regarding a XXXXXXXX XXXX XXXXXXXX account that my consumer right to opt out of sharing, as a federally protected consumer per 16 CFR 433.2 and 16 CFR 433.3, my nonpublic personal information with any nonaffiliated third parties, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809, which I hereby exercise and invoke this right. As a federally protected consumer, per 16 CFR 433.2 and 16 CFR 433.3, I now, and indefinitely, as well as retroactively, opt out of any and all authorization ( s ) I, the consumer, may have given XXXX, XXXX, Experian, and XXXX XXXX XXXX written, unwritten, verbal, and non-verbal, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809.

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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Over the course of the last eleven months, I have had to repeatedly ask Equifax to put my account back online. Unbeknownst to me my Equifax credit file would sporadically somehow become unavailable for any party with permission to access and examine my credit file. I have repeatedly over the course of these eleven months supplied Equifax numerous times with identifying documents such as a copies of a bank statements to show proof of address, government issued ID, and as well a copy of my social security card which is troubling in itself because of concerns with data breaching or possibly worse because of the improper handling and repeatedly having to reidentify yourself with this reckless organization. 
Over the course of the last six months, I have spoken with Equifaxs consumers affairs department who have confirmed my information being received as well they Equifax consumer affairs requested through there appropriate back-end departments for my credit file to be place backed online numerous times also and they themselves have confirmed that there are many referenced request that have been ignored also. 
Equifax at times has crisscrossed my credit file with others and refused to address, even after being supplied with all the necessary information. This is the only credit bureau Ive continued to have problems with due to no fault of my own. 
The unfortunate reality is this is causing me irreparable harm ; I recently couldnt even open a high yield saving account at XXXX because they could not do a soft pull on my credit report. 
I not only need Equifax to place my credit file back online immediately, but as well move my credit file from consumer affairs to regular customer service ; because I believe the consumer affairs division is the main catalyst to this continue problem. 
Equifax has not responded to any certified correspondence either ; which I have proof of also ; nor does this company seemingly care about legal actions. 
Any assistance to help get my credit file back online ASAP and to stop this continued outrageous unprofessional service would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have a current security freeze with Lexis Nexis Risk Solutions due to identity theft. I wanted to " thaw '' that freeze for 2 weeks due to trying to get quotes for homeowners insurance. Lexis Nexis tells me that they do not have a credit file for me at all. I know this to be not true because I was able to pull my file a few months ago and put a freeze on my account ( although, this is a very very arduous task with them ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: SC

Complaint narrative:
There is inconsistent reporting information on the balance on my credit report with all 3 credit bureaus. I am trying to increase my credit score so I can buy a house, but the information and account balance for my auto loan is not the same on all 3 reports. With one of the the balance is showing {$17.00} and with another its showing {$14000.00}. I thought that my balance was at {$12000.00} at one time. My balance keeps increasing and not being reported correctly. I don't understand how and when this is reported and why there would be different amounts showing for all 3 of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MO

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not reside at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. And would like this address removed from TransUnion and XXXX Reporting Agency Consumer Report! 

And also I would like XXXX Reporting Agency to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Consumer Report! 

I have been and currently be residing at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. 

PLEASE HELP Thank You 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not reside at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. And would like this address removed from XXXX and Experian Reporting Agency Consumer Report! 

And also I would like XXXX Reporting Agency to remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Consumer Report! 

I have been and currently be residing at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

PLEASE HELP Thank You 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 2024-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally inform you that I am a victim of a data breach and subsequent identity theft, which resulted in the unauthorized opening of several fraudulent accounts and credit inquiries under my name. As allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. Bankruptcy XXXX XXXX o Case Number : XXXX o Date Filed : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$10000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XXXX o Balance : {$280.00} XXXX. XXXX XXXX XXXX XXXX 
o Account XXXX : XXXX o Date Opened : XXXX o Balance : {$36000.00} XXXX. Bankruptcy XXXX  XXXX o Case Number : XXXX o Date Filed : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$2000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX. XXXX XXXX XXXX o Date of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2024-11-18 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: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX Employers : XXXXXXXX XXXX Employers : XXXX XXXX : XXXXXXXX XXXX  Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$6800.00} XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XXXX XX/XX/year> still dealing with it. 

M & T gave me a provisional credit, took it back, gave it back to me but froze the monies. 

I was Locked out of account XXXX, no access to online banking, had to visit a branch for them to inform me I was removed from M & T because I was High Risk? Representative stated " maybe you had to much money in a checking account? '' I asked for information on who decided this, what department and representative had No answers, she seemed a bit baffled? I called XXXX number again and again they referred me back to a branch. No one knew anything?

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