vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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

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.

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

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


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


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
Recently, I did an investigation on my account, and Ive found serval discrepancies. ( I have attached supporting documents ) Different Account names Different Original Creditor names Different Account Types Different Contact Address Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

In addition, on XX/XX/XXXX I sent a letter to XXXX requesting validation of account. ( I have attached supporting documentation ) In Result : NO RESPONSE This is Violation of : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character. 
Negligent On XX/XX/XXXX I provided proof to XXXX  I was assaulted & my purse with my identification was stolen. I mailed in all supporting documents. Police Report File # XXXX XXXX, FTC Report # XXXX, Proof of Address, Proof of Identity. ( I have attached supporting documentation ) XX/XX/XXXX The information was received. XXXX XXXX # XXXX In Result : Information came back ACCURATE & VERIFIED XX/XX/XXXX I submitted another dispute to XXXX  ( Report # XXXX ) In result : Verified and Updated I am writing to report invalidated and inaccurate derogatory marks reported on my credit report. The information being reported is inconsistent, inaccurate & outdated. Im also writing to report negligence of FCRA violations & Defamation of character. 
My reports state that my accounts have been verified & accurate since XXXX but there are multiple discrepancies found since then & I have not seen any updated information. How has this information been verified and reported accurately? This is a direct result of negligence & defamation. In result, I have been denied loans due to this reporting. ( I have attached supporting documentation ) I am requesting this account be deleted and removed from my credit report 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 non-monetary relief
Consumer complaint received 2024-07-17 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: CA

Complaint narrative:
Back In XXXX, During the pandemic I called into XXXX  XXXXXXXX XXXX XXXX to make my very last Car Payment. But because of the pandemic the customer service rep. that was assisting me at the time stated that I didn't have to make the payment because of the Covid 19 relief that XXXX XXXX was extending to all of there customers. But since that date XXXX  XXXXXXXX XXXX XXXX has been dinging my Credit Report Ever since. 46 Months of Charge Offs being reported on my account, for 4 years. this not only obsessive but abusive behavior.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I was approached by a bank officer XXXX XXXX in the XXXX FL branch offering me a 15 year mortgage Refi on my existing 30 year mortgage with XXXX XXXX XXXX XXXX. I was satisfied with the terms of that mortgage and not looking for any changes. 

XXXX XXXX arranged without my knowledge a refi of 4.1 % on my 30 Year mortgage ( taken out in XXXX - end date XXXX ) pitched to me in order to " save money ''. 
The signature on the refi document is not mine. 
When I called the bank to complain I was told he had been fired. 

Meanwhile this Refi dramatically increased my monthly fees, and is netting 5th 3rd an extra {$32000.00} over what I would have originally paid. This is usurious and shold be illegal. 

As you may be aware 5th 3rd bank has been found guilty of various criminal practices, paying out more than {$86.00} XXXX to compensate wronged customer victims. It is basically operating as a a criminal organization judging by the settlements against them. 

XXXX XXXX XXXX XXXX XXXX XXXX I did not seek out a refi. I was targeted for a sales pitch on the bank 's premises, so I trusted them. 
I didn't expect XXXX XXXX was out to swindle me which is exactly what has happened since XXXX. 
I'm now locked into a MUCH WORSE mortgage than originally sold to me which adds {$32000.00} to my original mortgage. 

My original mortgage from XXXX cost {$3700.00} total per year. 
With the 5th 3rd Refi I am now paying {$5800.00} annually, over the past 8 years, totaling {$17000.00} in extra payments. 
This is outrageous. 
I will pay an egregious extra {$32000.00} for this refi. 

On the original XXXX mortgage payment I paid $ XXXX month on a 30 yr note. 
In XXXX 5th 3rd bank Refi increased the payments to $ XXXX. Annual payments now total {$5800.00}. 

The XXXX Refi will end in XXXX - only 2 years after the original mortgage. There are zero savings from this Refi. 

As a senior on a fixed income I need this Refi to end immediately with an adjustment to my account, including interest. 

Loan Officer XXXX XXXX told me I was 'saving years ' off my mortgage ( only 2 years as it turns out ) with the Refi. the documents he provided me with aren't at all clear on the this point. 
I believed the bank as I don't know very much about calculating interest rates and mortgage Refis as I spent 45 years caring for people as a psychiatric nurse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a serious problem with Citibank which remains unresolved for more than 90 days. ( This is not what my complaint is about. Citibank owes me a check for the rewards balance of an account which Citibank closed on XX/XX/year>. Citibank does not deny the reward is owed, they just have failed to pay it. ). On XX/XX/year> I filed a request for arbitration exactly as required by Citibank, using the arbitration contact, XXXX XXXX XXXX ( XXXX ), provided by Citibank. I received confirmation that XXXX had received my request and I would hear from a case manager within 2-5 business days. I heard from no one after 5 business days. I waited another 5 business days and still heard from no one. After 10 business days on XX/XX/year> I emailed XXXX and asked for contact and status update. Today, 2 business days later, I have not had a response to the request for arbitration, nor the request for status. Citibank should not be permitted to require arbitration in their customer agreements because it is obviously not a XXXX XXXX for resolution.

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 2024-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company would contact me portraying to be XXXX XXXX and I would pay them not knowing they were a collection agency. My debt was with XXXX XXXX not portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with DPT EDXXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported to be removed.

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. 

DPT EDXXXX 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! 

Delete 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 2024-07-17 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XX/XX/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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been unable to resolve an issue with the Bank of America. 

Six months ago I initiated an ACH transfer to another bank account at XXXX XXXX XXXX XXXX ( XXXX ). Three ACH transfers for a total amount of {$1200.00} were mis-directed to a wrong account in XXXX, XXXX and XXXX of XXXX. 

The funds went to someone else 's account. I have provided evidence that I submitted the correct information for the funds to go to my account. The bank has refused to reverse the charges. I have records that include my bank account number and the incorrect bank account number at XXXX. I also having tracing numbers. 

I have been working on this issue for six months and multiple claims have been denied. I emailed BofA yesterday and said I wanted to lodge a formal complaint and I have not heard back. I believe that their nonresponse and inability to correct what they admit is a bank error are out of the bounds of acceptable business practices.

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 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-17 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-17 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: NE

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 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