vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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:
My account 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 billi
ng 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.

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 2025-01-03 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: TX

Complaint narrative:
My account 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.

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 explanation
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I reached out to US Bank on XX/XX/XXXX trying to figure out why my check was on hold. I called twice. Both times, they informed me that they have my check placed on hold until XX/XX/XXXX. 

I asked them why they made {$220.00} available the first day, but then, took away that {$220.00}, and put my account in the negative. They didnt give me any information on why. 

I asked them repeatedly if they will charge me overdraft fees. Both of the customer service representatives told me I wouldnt be charged any fees. One customer service agent connected me to the fraud department to ask if I could get my funds released. 

The fraud department refused to release my funds, and, they ensured me that I wouldnt be charged any overdraft fees since my account wasnt opted in for overdraft. 


Over the course of this week, US Bank proceeded to go against their word, and the law, by authorizing overdraft transactions that my account isnt opted in for, and now, theyre trying to charge me fees for not having an available balance to cover it. You see the issue? US Bank gives me {$220.00} out of a {$1200.00} check to spend. I spend roughly {$180.00} out of the {$220.00}. A day or two later, US Bank puts the entire check on hold, effectively bringing my balance into the negative. US Bank then authorizes overdrafts on an account that isnt opted into overdraft. US Bank then goes against their word & the law by charging a client overdraft fees when an overdraft transaction was never authorized to occur in the first place.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Someone used my email address to sign up for an American Express credit card. I frequently receive emails with private financial information for this individual including account balances, payment amounts, and locations of purchases. Using this information, I was very easily able to identify the name and home town of the account owner. 

I tried to contact American Express to have my email address removed from the account but they told me they could not change the email address without the account owner 's approval. They refused to contact the account owner in order to let them know that it should be changed. I continue to receive someone else 's private financial information several times per month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
At this point Santander has consistently reaged my account over the course of XXXX XXXX. When I dispute the account, they reopen the account and report late payments, and then close it again. They have done this several times every year. The car itself was involved in the settlement against them but they seem to have illegally excluded me from it. I know for a fact I had to have had an internal score with them because they didnt even get proof of income from me, only that I worked part time for XXXXXXXX XXXX XXXX XXXX The car was on the repossession list several times but they offered to place XXXXXXXX XXXX  towards the back of the loan not telling me Id have the pay interest on the same amounts twice. They would also misapply my payments. Id informed them several times to get the car since then but they have refused. Here XXXX XXXX the car was towed on an abandoned motor lien. The summons included both me and Santander. Santander failed to appear, so I contend that relinquished their claim and right to the vehicle since they failed to show up to court. As I said this has been ongoing XXXX XXXX and its causing me direct harm both financially and mentally. They have a duty to report accurate information yet this account in my credit report lists about XXXXXXXX XXXX of charge offs. So which day is it? The car was delinquent since XXXX XXXX XXXX and charged of the first time the following XXXX. In XXXX I called them and told them that I was part of the settlement and that I wouldnt be foregoing my essential needs to pay them anymore. They havent even tried to sell the account which further proves they have no legal right to do so, nor do they have a legal right to come after me when I should have been apart of the settlement. The fact that they didnt have to disclose who had internal scores effectively excluded me and countless others from the settlement. There is a whole XXXX group dedicated to this exact subject. Since they are continuing to do this they are also violating their settlement agreement. I simply request what I should have been given from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Equifax for failing to correct inaccurate information on my credit report. Despite requesting a re-investigation and filing previous complaints, the inaccuracies remain unresolved and continue to negatively impact my credit profile. 

The credit bureaus closed my previous dispute, yet the incorrect data is still reported. Ive made several attempts to have this issue addressed, but no resolution has been reached. This failure to correct the information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly reinvestigate the disputed information, leaving inaccurate details on my report.

2. FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus are obligated to ensure accurate information is reported, but the inaccuracies have persisted.

3. FCRA Section 1681i ( a ) ( 1 ) ( A ) : The required re-investigation was not initiated as per the law, and the errors remain unresolved.

I request that the Consumer Financial Protection Bureau ( CFPB ) take action to investigate and ensure the bureaus comply with the law and correct the inaccuracies on my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MO

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 multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
A card was advertised and I applied, my credit is over XXXX and I was denied because I have a few late payments on my student loan when I was homeless and I dont have enough established credit. This created a hard inquiry which now appears on XXXX. However, both XXXX  XXXX XXXX and XXXX will not remove this inquiry like I asked because I didnt get anything, not even a starter or alternate card. I reached out to both companies and each company says its the other who should remove it. I did not receive a card at all and this is unfair consumer reporting since I just received an increase on another card. I demand that this hard inquiry be removed 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 explanation
Consumer complaint received 2025-01-03 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a copy of my credit report.. I am concerned about the infirmary being reported. Please investigate the following accounts, because I do not believe the information to be accurate. Please remove the inaccurate information from my credit report. It shows a Bankruptcy with the XXXX districts courts ss # ending in XXXX declared on my report..I NEVER gave the courts to publish this information to any reporting agency. Therefore this is in clear violation of 15 USC 1681c-2 18 USC 1028A 15 USC1681q 15 USC 1681b ( 2 ) According to the FCRA, accounts that have been disputed by the consumer, must be noted as such. I have repeatedly stated that this account was opened up fraudulently. Your failure to investigate this account, and notate it as such is in violation of the FAIR CREDIT REPORTING ACT! please remove it Immediately from all three credit bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I closed all my accounts at PNC bank on XX/XX/XXXX and on XX/XX/XXXX I received an email from pnc bank stating I was overdrawn and they were charging me. This obviously affected my credit is a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my 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 non-monetary relief
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
TransUnion, XXXX, and XXXX have failed to resolve inaccuracies on my credit report despite multiple attempts to address the issue. I requested a re-investigation after their initial dispute process closed, but the inaccuracies persist, negatively impacting my credit. 

Violations Identified : FCRA Section 1681i ( Reinvestigation ) : The credit bureaus did not perform a proper re-investigation of the disputed items.

FCRA Section 1681e ( b ) ( Maximum Accuracy ) : They failed to ensure the reported information is accurate and reflects the maximum possible accuracy.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : They closed my dispute without taking appropriate steps to resolve the inaccuracies.

Despite providing documentation and clear evidence of errors, no meaningful resolution has been achieved. I request an immediate investigation into this matter and enforcement of compliance with FCRA requirements.

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 2025-01-03 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:
XXXX, Experian, and XXXX have failed to resolve inaccuracies on my credit report despite multiple attempts to address the issue. I requested a re-investigation after their initial dispute process closed, but the inaccuracies persist, negatively impacting my credit. 

Violations Identified : FCRA Section 1681i ( Reinvestigation ) : The credit bureaus did not perform a proper re-investigation of the disputed items.

FCRA Section 1681e ( b ) ( Maximum Accuracy ) : They failed to ensure the reported information is accurate and reflects the maximum possible accuracy.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : They closed my dispute without taking appropriate steps to resolve the inaccuracies.

Despite providing documentation and clear evidence of errors, no meaningful resolution has been achieved. I request an immediate investigation into this matter and enforcement of compliance with FCRA requirements.

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 2025-01-03 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: PA

Complaint narrative:
Breach in data infor. Receiving false information directly to my phone, email by by text and phone calls with my personal information.

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 2025-01-03 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: PA

Complaint narrative:
Breach in data infor. Receiving false information directly to my phone, email by by text and phone calls with my personal information.

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