vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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:
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 non-monetary relief
Consumer complaint received 2024-12-16 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 non-monetary relief
Consumer complaint received 2024-12-16 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: PR

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TN

Complaint narrative:
To Whom It May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debtor that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX  XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with the concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Thank you, 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 2024-12-16 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: PA

Complaint narrative:
I was shocked to discover inaccurate accounts on my credit report today, and I cant figure out how this happened. I make it a habit to check my credit report, and its always been fine, but now, there are errors out of nowhere. I refreshed my browser several times, praying it was just a mistake, but the errors stayed. Im pleading for a detailed review of the documents I provided so that this issue can be resolved for good.

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 2024-12-16 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:
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 2024-12-16 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: PA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Date of XXXX SS # XXXX XXXX To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law. 
There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 
Please update the following account below : 1. Account Name : XXXX XXXX. Account Number : XXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Sincerely yours,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Opportunity Financial, LLC
State: MI

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear OPPLOANS/XXXX, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL 445.61445.79c ) and the Michigan Consumer Protection Act ( MCL 445.901445.922 ). 

It has come to my attention that OPPLOANS/XXXX has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section 1681b ( a ) ( 2 ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( MCL 445.72 ).

I assert unequivocally that I have not provided consent for OPPLOANS/XXXX  to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws.

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under MCL 445.72, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. OPPLOANS/XXXX  unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, MCL 445.903 ( 1 ). 

I demand that OPPLOANSXXXX immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law XXXX You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws.

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences.

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attempted to open an account with Truist Bank for the 3rd time. The 1st time no one even the bank manager was able to tell me why they couldnt open the account. The 2nd time I tried, they closed it same day and stated there were concerns. And to get an printed copy of the full consumer report. The report came but didnt explain anything. The 3rd time, I was successful with opening the account. Only for the next day for it to be closed. I called the number to inquire and of course the agent stated it only showed the terminated the account and which was in their power to do as they can do that. Because its written in the terms and conditions. As someone who currently has OPEN account with banks bigger than Truist and multiple credit unions. I find it be insulting to tell me Im fraudulent. The deposits and spending activities is nothing of the sort. Ive had XXXX for almost 20 years. Currently have XXXX XXXX  as well. And for no one to give a valid explanation is unacceptable. And upon viewing google. Im not the only one. They close accounts all the time without rhyme or reason.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN 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 m
ailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN 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 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX CREDIT ACCEPTANCE CORPORATION produced an agreement with defaults and flaws that are detrimental to the consumer. Full disclosure on a financed vehicle was obtained after an investigation by the consumer. The investigation revealed tax violations may be committed against my personal property. CREDIT ACCEPTANCE CORPORATION has refused to comply with my request for records that would validate the debt other than the signed agreement which does not reveal the forensic history or the activity off liquidation proceeds or liquidation expenses. No acknowledgement given to the valid security collateral instrument which allowed CREDIT ACCEPTANCE CORPORATION the luxury of accessing the Treasury on the consumers behalf but not to the consumers benefit. Seeking recoupment of all securities and interest entitled to. Power of Attorney notices have been sent to the legal compliance department in order to resolve the matter and settle the account pursuant to the instructions given to the fiduciary to manage the interest to offset all indebtedness on the account # XXXX. No full disclosure to opt out was given at any time by Credit Acceptance. They were instructed to cease and desist all false and damaging reports by email, phone calls and certified mail, all efforts were not complied with. I was told they would not cooperate on the basis of false information. A police report and Federal Trade Commission Identity Report has been filed against CAC in order for the matter to be investigated and resolved. Consumers are allowed to enforce complaints when violations infringe upon rights. Consumer has mailed certified mail an agreement that has been amended in parts to revoke all security interest and revoke all rights to repossess the vehicle. I also hold the company harmless via an indemnity agreement sent in order to resolve matters immediately. Credit Acceptance refusal to comply and remove all reported adverse items, cease and desist reporting and sharing of any and all information is a direct violation of the Fair Credit Report Act. 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers of information provide complete and accurate information. Its also Identity Theft to continue reporting after multiple request to cease and desist the damaging actions. No adverse items are to be reported which is a violation. Not allowing a block on personal information is negligence and compliance, another federal violation.

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 2024-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: CO

Complaint narrative:
In XXXX our mortgage was sold to Selene Finance LP. We were not informed of this switch in a timely manner. They sent us a letter that was dated on XXXX XXXX. We received a letter from them after XX/XX/XXXX and they were contacted since we had not made our XXXX payment. My husband made the payment over the phone and it was drafted from our checking account on XX/XX/XXXX. My husband proceeded to set up over the phone an ACH for our checking account. He was informed that nothing else needed to be done and that we were set for the following month for the monies to come out of our checking account. In XXXX we did receive a letter asking us to set up the ACH which I did with payment to come out on the XXXX of ever month. In XXXX they drafted XXXX house payments on XX/XX/XXXX and XX/XX/XXXX. I contacted them immediately regarding this and was informed that they would issue a credit back to us for {$1200.00}. We were never credited back this amount. In XXXX they took another payment out for {$1200.00}. They said that we would get a credit and they would not take the payment out for XXXX. XXXX came and they again took out another payment which should not have happened. I finally was able to speak with a supervisor on my third call to try and get this money back to us. I believe is was XX/XX/XXXX. I asked if you can take an ACH out can you not do an ACH back to us for {$1.00}, XXXX. She reported that they could do this, She stated she would send to a rush on this to billing. I asked if I could call her back the week of the XXXX for follow up. She does not have a phone or an email account but did give me the alphabet of her last name and I could ask for her when I called back. I did not have the opportunity to call her back. We had to take money out of savings to cover this additional payment that they had no right to and it does not appear that we will get a credit back. I feel that I have put in enough time to try and settle this. They are a very, very, bad mortgage company and consumers need to be aware/ Looking at reviews online of this company verifies a bad comment. How they manage to continue to be able to be in business is beyond me Why there license has not been pulled is a disservice to consumers. It is like they want to force one into forbearance. It is very difficult to even reach somebody to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

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 2024-12-16 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: CA

Complaint narrative:
Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: AZ

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: GA

Complaint narrative:
When I had an appointment with my local bank, a representative told me about a new credit card they offer called PNC XXXX XXXX that had a promotional offer where if I spend XXXX $ during the first XXXX months of opening the account, I would receive XXXX $ in bonus points that can be redeemed for statement credit. 
I did end up spending XXXX $ during the first XXXX months. However, XXXX  months later after opening the account I still have not received the points in my account. I've been getting the run-arounds with different representative over the phone and in person typically always saying the same thing like " We'll look into this. '' and " We'll get back to you on that. ". I have evidence, screenshots and audio recordings, of them confirming that I would get the bonus. I would not be going through all this trouble if I was never promised this and without having the evidence to back it up as well. 

I was falsely advertised as of now still unless they make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: OH

Complaint narrative:
Twice now best egg credit card company has charged me a late fee for not paying my minimum payment which has resulted in a late payment fee. Most recently I was charged a late payment fee and of {$39.00} over {$.00}. Why would I not pay then {$.00} and get a {$39.00} late fee? I use their app to make my monthly payment which tells me what my minimum payment due is. Right now I choose to make the minimum monthly payment. I have no control over what that amount is, but twice now when making that payment they come back and tell me Ive not paid enough. How can I account for that???

Company response to consumer: Closed with monetary relief