vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX 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 in 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. XXXXXXXX XXXX XXXX XXXX XXXX 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Incorrect Reporting of Late Payments on Closed Account Dear CFPB, I am writing to file a formal dispute regarding inaccurate reporting by [ Credit Card Company Name ] to the credit reporting agencies. Specifically, they have reported late payments on an account that was closed on [ Date of Account Closure ]. The details of the account are as follows : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Credit Card Company : Lowes Credit Services Date of Account Closure : XX/XX/year> Upon review of my credit report, I discovered that the credit card company has continued to report late payments after the account was closed. This is a clear error, as no further activity has occurred on the account since its closure, and no payments were due following that date. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and that the late payments be removed from my credit report as they are not valid. 
For your reference, I have enclosed the following documents : XXXX. A copy of my credit report showing the late payments being reported. 
XXXX. Documentation from XXXX Credit Card Company ] confirming the date of account closure. 
XXXX. My correspondence with the credit card company regarding this issue. 
I respectfully ask for your assistance in rectifying this issue and ensuring that my credit report accurately reflects my financial history. I look forward to your prompt investigation and resolution of this matter. 
Thank you for your time and attention. Please feel free to contact me if you need any additional information. 
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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
My personnel info was compromised by a health organization 's records being hacked. I was advised by the company to place a freeze on my credit. As I had once had an account with all 3 credit reporting people I set about to do so. I managed to complete the task at XXXX and XXXX but Equifax has become a nightmare. I tried to establish my account on the phone with these people and was told that I had to mail in a copy of my social security card and a copy of my drivers license. I did so and received a response that their records were accurate which is not my complaint. My complaint is that I can not remove the credit freeze they have applied since I have no accessible account. The reason I sent in the documents was to have an account established because their employee managed to XXXX everything up and said there was nothing else she could do. I do know that on one of the forms she presented me with had a phone number on it that was not mine. I told her this and she said there was nothing else she could do, to send in the documents. I have tried to deal with these people but they make no sense. I have complied with their requests and get zero results. It is not fair that these people can control your credit availability and at a whim as they have done for me. All I wanted was an accessible account and no more so that I can apply or remove a credit freeze should I want to apply for credit sometime. I know that my credit is excellent and I do not need any information from these people unless they have lied about my credit which I can see easily happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NY

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT IVE LISTED ALL FRAUDULENT INQUIRIES ON THE ATTACHED FTC REPORT ***PLEASE READ THE FTC REPORT IN DETAIL****

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 2024-10-15 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:
I AM A VICTIM OF IDENTITY THEFT IVE LISTED ALL FRAUDULENT INQUIRIES ON THE ATTACHED FTC REPORT ***PLEASE READ THE FTC REPORT IN DETAIL****

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX VIA DEALER ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX Equifax inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX  VIA DEALER ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIA DEALER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: PR

Complaint narrative:
This is my XXXX attempt with Experian to solve this situation .They are reporting inaccurate late payments and incomplete credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information .The following information therefore needs to be investigate immediately XXXX XXXX XXXX XXXX XXXXXXXX I respectfully request for the XXXX time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last 9 month, or the last XXXX years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, to be provided within ( 15 ) days of the completion of your investigation

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 2024-10-15 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  XXXX balance {$430.00}, XXXX XXXX  balance {$530.00}, and XXXX XXXX XXXX Credit balance {$780.00}.

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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I requested to turn off the overdraft service, and I continued to get overdraft fees, I requested a refund and they could only refund a partial amount. They said this was a one time courtesy and they could not refund the total amount because the system does not allow it. Ive had XXXX overdraft fees charged in the last XXXX months, and while theres money available in another account linked to that one, theyve still been charged. Charges are for {$35.00} regardless of how small ( some are {$5.00} ) the purchases were.

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 monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX i purchased a XXXX XXXX XXXX from carmax XXXX XXXX then carmax XXXX XXXX sells, assigns and transfer the vehicle to carmax business services, which is on my contract. Now i am paying to carmax finance which has a different XXXX number from both carmax XXXX XXXX and carmax XXXX XXXX  which both have separate XXXX numbers, which the IRS states are all different entities. 
I am disputing the discrepancies on the agreement about who has the lien/ owns the vehicle, i ask for a UCC -1 statement of lien release because i searched on the Secretary Of States website for the lien on the vehicle and there was none.

And the second discrepancy is carmax Dealer services contract agreement says you understand that you may buy the vehicle described below for cash or credit, by signing this contract, you choose to to buy the vehicle on credit under the terms on all pages of this contract.

So this is clearly a violation of TILA, FTC, and is subjected to fines or imprisonment. 
I have enclosed al related documents communication which i have sent to carmax finance with no response or what i have demanded. The contract should be deemed null and void because of the fraudulent nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I attended California XXXX XXXX XXXX XXXX in XXXX in XXXX and I was forced to out XXXX XXXX XXXX  with high interest which totalled to be around {$50000.00}. My XXXX  was found guilty of misconduct and fraud and they closed down. Even though I have been XXXX since XXXX due to having XXXX, Navient has been collecting payments from me knowing my only source of income is Social Security XXXX income. I was very hopeful when it was announced this year that XXXX  misconduct victims like myself can finally apply for XXXX  misconduct discharge and decided to get the application from Navient. I applied and provided all the supporting documents that clearly stated and proved XXXX  misconduct, in addition I have provided the court documents from the class action lawsuit that found my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) guilty. Navient placed my loan on forbearance for XXXX almost XXXX months since XXXX which added more interest to my loan and denied my application not once but twice. Navient refusing to give students an explanation or reasoning as to why they deny our application is wrong and illegal. I am losing hope and I cant get any help from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank the creditor reported inaccurate information after they have been receiving payments on time and after contacting customer service regarding the issues that they have caused me by not correcting the information after speaking with their customer service representatives that are not doing their job as requested by phone or letter.

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 monetary relief