vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment.

Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments.

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
I was shocked to find incorrect accounts on my credit report this morning, and I have no clue how they got there. I checked my report, as I always do, but this time there were errors out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The incorrect accounts stayed there after refreshing. I really need these documents reviewed thoroughly so that I dont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
I got a summons in an amount of XXXX On Barclays Bank of Delaware which was turned in to XXXX XXXX. I did not use this card My ex husband used it when the divorce was final I know nothing about this card where it was used or anything The summons was filed on XX/XX/4 I just received on XX/XX/XXXX XXXX XXXX I have called XXXX them selves and filed for fraud I am now trying to hold of XXXX XXXX to report fraud to them

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 2024-09-14 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:
Inquires from companies that I did not authorize. Also, accounts that I did not open.

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 2024-09-14 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: OH

Complaint narrative:
First, they sent me a link with a document that does not reflect the original loan amount, or the amount disbursed, and the name of the lender is different. The document they attached in the link was dated XX/XX/2017. I had to drop out of the university in XX/XX/2017, since my husband got XXXX and I had to move to another state for him to receive treatment for his illness, therefore the university was supposed to return the loan to the lending company, because I did not attend the University. ( I attach the document that verifies the cancellation of the loan ). In addition to this situation, I received forgiveness of other student loans with XXXX XXXX  due to the approval of the Borrower Defense program, due to the misleading and misconduct practices of the University ( Attached document ). This whole situation has caused XXXX XXXX XXXXXXXX XXXX XXXX, because I had to repeat a year of the study program since it became difficult to find a university that would accept transferring the credits and I had to acquire more student loans, in order to finish an XXXX XXXX in which full-time job positions are limited, also my credit has been affected making it impossible for me to buy a home. To correct this situation, I request that XXXX, XXXX and the collection company send me the loan cancellation letter and send the information to the credit agencies so that they remove the loan 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 non-monetary relief
Consumer complaint received 2024-09-14 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:
XXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX  and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment. 
Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-14 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX  and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment. 
Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Upon reviewing my credit reports, I have found that this account is inaccurately reflected as past due, which does not align with my records and payment history. This discrepancy has negatively impacted my XXXX XXXX and overall creditworthiness. 
I certify that the information provided is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly delete any inaccurate information from my credit report. By the provisions of the XXXX Credit Report XXXX I demand these items be investigated and deleted from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please delete any information that a creditor can not validate. I understand that under 15 U.S.C Sec 1681 1692 you must complete the investigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights Pursuant to 15 USC 1681 section 602 A states I have the right to privacy Pursuant to 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish account information. 

I am requesting the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of threats above. 
You are required to do what I am asking and block above reported to my consumer report WITHIN XXXX DAYS from the date above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a debt validation letter to XXXX XXXX concerning both of my collections with them from XXXX XXXX. And i did not receive any correspondence back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Im writing this letter to delete the following information on my file. The items that I will need deleted are listed in the report. I am a victim of identity theft and therefore I did not make the charge. I ask for these items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the following items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
XX/XX/year> my car tags was stolen. Due to my tags being stolen in XXXX XXXX. Im now being fined for different types of moving violations. Such as parking tickets, bus zone parking, and speeding. Harris & Harris also the Department of Motor Vehicle saying I have to pay amount of XXXX dollars in fines. I called to try to resolve the issues with both companies. They deny my request to remove all violations that Im not responsible for. They threatened to take my property ( car ). Also to suspend my license. This causing distress mentally, my transportation for work and taking my children to school. I will like these tickets immediately remove from my drivers record. Due to laws I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC XXXX BBB, and Attorney General compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Macys/cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to run 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 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Higher Education Servicing Corporation, Inc.
State: TX

Complaint narrative:
My loan was with XXXXl for many years. I started repaying my loan in XXXX My loan was at $ XXXX. I made payments with XXXX for a good 5 years. Then XXXX XXXX XXXX and they put me on an IDR plan. Through out my time with XXXX they worked with me on IDR plans. When XXXX hit, XXXX sold my loan to Higher Education Loan Services. With, inflation I told my servicer I cant pay the payment for IDR, so they say thats the only payment they will except and for me to do forbearance. Okay, will do. I call them back to see if I can get someone else to help. I try to file another IDR, the payment is too high. I tell them I cant do it. So they tell me to fill out economic hardship paperwork. Higher education, my loan servicer has told me my loan is being reported late. I tried to call XXXX XXXX to see if they will work with me, but they dont see my account in the system.My loan is over 142 days late. My original student loans that I have paid on since XXXX that the beginning balance was $ XXXX is now close to $ XXXX. Yes, we all have hardships. But come on, how can we ever get out of debt when we cant get them to accept a payment term! Their answer is always to do forbearance or economic hardship because they want interest! I know I am not the only one out here dealing with this issue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have difficulty making payments because Im on XXXX and when I do make a payment, it seems that its never added and the loan amounts continue to go up instead of down. I cant take the stress that they are giving me with the constant phone calls and emails. I have XXXX so its hard enough for me as it is. Im a single mom. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have an installment loan that is listed on two of the 3 credit bureaus, Experian is not showing the installment loan.

I have continuously contacted the bank with no resolution. This account is extremely important for my credit and this is hurting my credit due to the bank not reporting my loan with the credit agency.

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 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I previously filed a complaint with Acima leasing because they charged me twice. They responded to that complaint and said that one of the charges has been refunded. It is now XX/XX/scrub>XXXX  at XXXX XXXX and my money has not been refunded nor is it pending as a refund to my account. I have also filed a dispute with my bank to try to get my money.

Company response to consumer: Closed with explanation