vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Bank Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX 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 a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information<other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
Name : XXXX XXXX Social Security : XXXX Address : XXXX XXXX XXXX XX/XX/XXXXXXXX FL XXXX DATE : XX/XX/XXXX CREDIT BUREAU ADDRESS : XXXX XXXX XXXX, XXXX XXXX PA XXXX Dear Transunion, I finally received a copy of my credit report today and discovered a few hard inquiry from your company. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. 

1. INQUIRY NAME :XX/XX/XXXXINQUIRY DATE : XX/XX/XXXX XXXX. INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 
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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request an update to my personal information in your records. Upon reviewing my credit report, I noticed that certain details are inaccurate and need to be corrected. Below is the incorrect information currently listed on my credit report and the correct information that should replace it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: UT

Complaint narrative:
I've made disputes with TransUnion by mail for multiple bankruptcy reporting on my credit report. TransUnion has been notified about this placement on my credit report and in response TransUnion removed two. Now I don't understand how you only removed two that has no account to my address but stated that the other 's are Accurate and Verified when in fact their all the same reporting. I've submitted by mail twice already and no response. 
These agencies aren't government entities but TransUnion is acting like it's a bureau which in fact it's not. TransUnion union is a company that is supposed to follow the FDCPA and FCRA law. When did TransUnion decide their company policy trump consumer rights! Transunion is in violation of 15 USC 1681e ( b ) ,15 USC 1681s-2, 15 USC 1681 ( a ) ( 5 ) Under FCRA 611 ( 15 U.S.C. 1681i ), you're to investigate my dispute and correct any inaccuracies under 15 U.S.C. 1681e ( b ), you must ensure the maximum possibilities. these accounts are fraudulent. TransUnion refuse to disclosure their investigation procedures how these reporting are Accurate and Verified. The following accounts are/ XXXX TransUnion Bankruptcy XXXX XXXX bankruptcy filing Case # XXXX Date Filed XXXX XXXX, XXXX Status Voluntary XXXX XXXX XXXXXXXX bankruptcy dismissed Case # XXXX Date Filed XXXX XXXX bankruptcy dismissed Case # XXXX Date Filed XXXXXXXX XXXX XXXX bankruptcy dismissed Case # XXXX Date Filed XX/XX/XXXXXXXX XXXX XXXXXXXX bankruptcy dismissed Case # XXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX bankruptcy discharged Case # XXXX Date Filed XXXX/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 2024-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc.
State: VA

Complaint narrative:
I received a call on XX/XX/24 at XXXX est. after authenticating I advised the agent I was in a rush and needed to expedite the process with setting the payment up. I was advised I could not set up a payment unless was between XXXX and XXXX of the month. I advised the agent I wanted to set the payment up for Saturday XXXX XXXX, she advised me that she would have to call me back on Saturday and put my information in her notebook. I would like to know why is my or anyone else information is being written down to be contacted at a later date. I requested a supervisor callback as I waited for XXXX minutes only to be advised no one is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/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 2024-06-26 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On Tuesday, XX/XX/year>, I remembered that I had some " promotional balances '' that were going to expire soon on my Best Buy Citi Bank credit card. 
While reviewing the balances, I noticed XXXX for {$260.00} that did not seem correct. And there were XXXX more charges for {$43.00} on XX/XX/XXXX, but only one of them should be listed. I checked my Best Buy history and it did not match the promotional balance totals. 
XXXX. ) I first spoke with CitiBank at XXXX XXXX, and they informed me before disputing the transactions I needed to confirm the issues with BestBuy . 
XXXX. ) I then called BestBuy at XXXX XXXX, to confirm I wasn't missing a clue as to why these charges were here and then confirmed my concerns were correct and I needed to discuss further with Citi XXXX 
XXXX. ) I then called and spoke with XXXX at Citi Bank at XXXX XXXX XXXX she confirmed that the double charge for {$43.00} was incorrect and XXXX of them needed to be removed and she would have it removed. She let me know it was a CITIBank error and apologized. She also gave me the order number for the {$260.00} promo to investigate further with Best Buy. 
XXXX. ) I called Best Buy again at XXXX XXXX and confirm the order was cancelled and the promo balance should not exist any longer. 
XXXX. ) I called CITIBank again at XXXXXXXX XXXX, I reconfirmed that the XXXX promotional balances listed were returned and refunded to my Citibank XXXXard, but Citibank did not apply the refunds properly. 

Unfortunately, Citibank is now refusing to fix their error and they are wanting to charge me interest for items that I don't even own. I then asked to close my account and make a complaint.

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 2024-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I was sold a car with a known fuel sensor issue and broken sunroof and electrical issues The car was sold for XXXX and now valued at XXXX This car was overpriced and I was sold a insurance plan that could not be supported by other dealerships I also traded my XXXX XXXX and loss significant car value I made multiple attempts to get issues referred but was referred to a third party that could not use coverage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX : {$48000.00}

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 explanation
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was looking at my report and noticed that there were some things that is not correct. I sent a letter to Transunion on XX/XX/year>. Here is my tracking number. ( Compliant ID ) XXXX. It has been more than 30 days since the credit bureaus haven't responded. This is a violation of USC 1681i ( a ) ( 1 ) ( A ) Under USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item or information contained in a consumers file at a consumer 's reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, the agency shall, free of charge, conduct a reasonable reinvestigation to 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

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 2024-06-26 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: IL

Complaint narrative:
payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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