vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND TRANSUNION FOR THE MONTH OF OF XX/XX/2021. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR XXXX XXXX XXXX XXXX UPDATED THE ACCOUNT STATUS TO XXXX AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED XXXX AND NOT XXXX OR TRANSUNION. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND TRANSUNION. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.

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 2024-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/year>. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR XXXX XXXX XXXX XXXX UPDATED THE ACCOUNT STATUS TO XXXX AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED XXXX AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.

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 2024-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/year>. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR XXXX XXXX XXXX XXXX  UPDATED THE ACCOUNT STATUS TO EXPERIAN AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED EXPERIAN AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.

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 2024-06-01 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: CA

Complaint narrative:
There is a fraudulent account on my credit file due to identity theft. XXXX XXXX XXXX reflecting a balance of {$10000.00}. I have NEVER LIVED AT THE ADDRESS XXXX XXXX XXXX XXXX, CA XXXX. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX. I recently renewed a YEAR LEASE AT XXXX XXXX XXXXXXXX. 
THIS HAS BEEN MY RESIDENCY. PLEASE REVIEW MY LEASE AGREEMENT ATTACHED. MY PURSE WAS STOLEN FROM ME IN XX/XX/XXXX containing my personal identification such as my Ca id my social security my cell phone which allowed the suspect access to my emails accounts. They fraudulently open this account REMOVE THIS COLLECTION 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 2024-06-01 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: CA

Complaint narrative:
There is a fraudulent account on my credit file due to identity theft. XXXX XXXX XXXX reflecting a balance of {$10000.00}. I have NEVER LIVED AT THE ADDRESS XXXX XXXX XXXX XXXX, CA XXXX. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX. I recently renewed a YEAR LEASE AT XXXXXXXX XXXX  XXXX. 
THIS HAS BEEN MY RESIDENCY. PLEASE REVIEW MY LEASE AGREEMENT ATTACHED. MY PURSE WAS STOLEN FROM ME IN XX/XX/XXXX containing my personal identification such as my Ca id my social security my cell phone which allowed the suspect access to my emails accounts. They fraudulently open this account REMOVE THIS COLLECTION 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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one high fees and sold my account too collection as a change off due too sum one cancel da payments they made for me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information 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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2024-06-01 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: NJ

Complaint narrative:
1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : ** - Credit reporting agencies are required to investigate disputes of inaccurate information on consumer reports. The late payment reported in XX/XX/year> is inaccurate and does not reflect my payment history correctly. 

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : XXXX XXXX  This section mandates that furnishers of information, such as XXXX XXXX XXXX XXXX XXXX must report accurate information to credit reporting agencies. The reported late payment is incorrect and violates this requirement.

3. Truth in Lending Act, 15 U.S.C. 1666b : ** - This law requires that payments be credited promptly as of the date of receipt. The payment in question for XX/XX/year> was not posted correctly, leading to an inaccurate late payment report. 

Details : In XX/XX/year>, my payment was not posted correctly, resulting in an incorrect late payment entry on my credit report. Despite the account being paid and closed as of XX/XX/year>, the incorrect late payment remains on my credit report. 

I request that the CFPB assist in having this incorrect late payment removed from my credit report. This inaccurate information is impacting my credit score and does not reflect my actual payment history. Please notify all credit reporting agenciesXXXX Equifax, and XXXX update my credit report accordingly and remove the erroneous late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have a XXXX card run by Synchrony bank. This card is used for promotional musical purchases advertised as paying zero interest over promotional periods. I currently have three promotional purchases on my account... two of them are 2-year promotions and the other is a 4-year promotion. The advertised price and fine print clearly stated that there would be no interest charged over the duration of these purchases as long as all payments are made on time and balances are paid off in full before the promotional purchase deadline. Synchrony sent out emails that changes are being made on statements. I read the statement today to learn that " some '' promotional purchases longer than 18 months ( which includes all three of mine ) will now be charged a 2 % monthly fee. They clearly stated that this is retroactive and will affect existing promotional purchases and will go into effect XX/XX/year>. I believe there is a way to opt out or " reject '' this, but opting out will result in inability to engage in promotional purchases in the future. I am considering opting out. However, I do not wish to punish XXXX, an incredible company with excellent customer service, for the unethical behavior of Synchrony. I am guessing this is also a contract violation and could result in a class action lawsuit against Synchrony. If that is the case, I wish to be a part of this lawsuit.

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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-01 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: WI

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.

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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-01 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: CITIBANK, N.A.
State: UT

Complaint narrative:
While purchasing flights on the XXXX XXXX website in XX/XX/XXXX, Citibank offered a promotion to receive {$250.00} off my flights if I applied for the AAdvantage credit card. I did apply and was approved for {$1500.00} but my flights were {$1800.00} or more. I continued to purchase my flights with an additional credit card, thinking that the additional credit card would only cover the amount over the {$1500.00} limit. That didnt happen. The full amount went on my XXXX. I called Citibank, A representative told me that I would receive my card in the mail and When I started using the card I would receive the promotional amount. After using the card for several months I called Citibank again and ask them why I had not received the {$250.00} promotion. I was then told by a representative that I needed to wait until the end of XXXX ( When the promotion ended ) to receive the {$250.00} credit. I called Citibank in XX/XX/XXXX and said that I still have not received the credit and was told that I was not entitled to the credit because my flights were not purchased on the Citibank advantage card. I told them that I had called several times before and was told to wait until the end of the promotion. They said I dont know who gave you that information but now that the promotion was over, that there was nothing they could do about it. I called again the next day to see if a different representative would give me different information because that is what had happened in the past, but they also said that the promotion was over and that there was nothing they could do to assist me. 
I believe that this was deceptive advertising, very poor customer service and that the customer service representatives did not give me a correct information between XX/XX/XXXX and XX/XX/XXXX. I do not trust this company and will not believe their promotional offers in the future.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK
State: CA

Complaint narrative:
MECHANICS BANK AUTO FINANCE IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/2021. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR MECHANICS BANK AUTO FINANCE UPDATED THE ACCOUNT STATUS TO XXXX AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED XXXX AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding XXXX XXXX ' unlawful actions : XXXX. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : XXXX XXXX has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 

2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

3. False, Misleading, and Deceptive Practice : XXXX XXXX has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 

4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : BULL CITY has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

Given these violations, I am formally disputing any and all debts claimed by XXXX XXXX. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 

In my previous correspondence with XXXX XXXX, I have requested the following without receiving any satisfactory response : 1. Debt validation. 
2. The purchase agreement between XXXX XXXX and the original creditor.

3. Proof that XXXX XXXX is licensed and bonded. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that XXXX XXXX complies with all applicable laws and regulations. Furthermore, I request proof of mail receipt for my records. 

Thank you for your attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Mutual Management Services LLC
State: FL

Complaint narrative:
I know nothing about this company, or what this debt is still reporting. I was a victim of theft, and i acutally never recived notification i just saw this account on my report. I included my affidavit, and XXXX asking for a removal of account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Did not authorize credit inquiry on these dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
Did not authorize credit inquiry on these dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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 lost my wallet in XXXX. Around that time, ive notice unauthorized accounts starting to appear on my credit profile.

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 2024-06-01 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: PA

Complaint narrative:
I lost my wallet in 2019. Around that time, ive notice unauthorized accounts starting to appear on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: WI

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.

Company response to consumer: Closed with explanation