vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXX XXXX : It appears there was a clerical error in how XXXX XXXX processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the 30-day delinquency threshold. I also included copies of emails from XXXX XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: MECHANICS BANK
State: NV

Complaint narrative:
The bank stated I was 94 days behind on my payments. The payments in question cleared by bank on XX/XX/XXXX in the amount of {$850.00} and payment of {$410.00} on XX/XX/XXXX Nothing was returned or refused by XXXX XXXXXXXX XXXX. 
I did receive my monthly payment statement showing that I was past due in the amount of {$360.00}. How is this possibly 94 days behind in payments when the payment was due XX/XX/XXXX 
After my car was repossessed, I was sent a payment history from the bank. The bank reversed my payments on XX/XX/XXXX and the reapplied them back to my account on XX/XX/XXXX 
Please, someone explain all this to me. The bank was very quick to dismiss my complaint and claims it has good customer service. Not according to the XXXX rating I've seen and all the negative comments I have read. 
Also, the bank said they repeatedly called me. That's all well and good. No messages were left for me and if this was as serious as it turned out, I would have appreciated a bit more effort on their part. 
I am attaching my documents to show what I am referring to. If the bank wants more documentation, please let me know. I would like an explanation of the processing of my payments and why were they credited back to my account if I was 94 days behind in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MS

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX Main bal. {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

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 USC 1681. 

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 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 2024-10-02 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: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-10-02 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: EQUIFAX, INC.
State: NM

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 USC 1681. 

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am a US Bank customer. On XX/XX/XXXX I went to a US Bank ATM in XXXX Missouri to make a cash deposit. I attempted to deposit XXXX {$20.00} bills ( {$200.00} ) and the option I was given was " Deposit '' or " Add More '', I chose to add more. I added various bills totaling approximately {$240.00} additional cash. The ATM took the bills and then provided a receipt that said there was an error with my deposit and to contact US Bank. My cash was in the machine, but I have no receipt or access to it as the money was not credited to my account, nor was the cash returned to me. 

I went to the US Bank branch and they told me there was nothing they could do. They told me to file a claim with customer service XXXX # which I did that day. 

It is XXXX days later and I still do not have the money deposited to my account, nor do I have the cash I tried to deposit. The bank would not issue me a provisional credit while they investigated the error with their machine. This is the only money I have, and it has left me without the ability to purchase groceries, pay bills or rent. The bank is taking whatever time they need to do their investigation, while I am left without all the money that I have available to me to live. This is unfair to the consumer and should be fixed. 

Banks get the brand recognition with the ATM machines, but they have no consequences for the ATM that can not function properly, leaving a customer to figure out how to live for days and days without access to MY OWN MONEY.

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 2024-10-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I previously requested to recieve the settlement agreement and was told it would be sent over within 7-10 business days. I later found out the documents was never sent after calling about 7 days later. While on the phone they said they will make sure it gets sent over to my address ( which was correct on the system ) and I was told the same thing in terms of length. I called roughly the same amount of time later and they verified that it was sent out ( to this day I still have not recieved the requested documents via mail, however i recieved tons of statements and spam dated for after the request ). A few weeks later I had to pay out of pocket to recieve a fax of the document I had requested because that still had not mailed the document to my address. Immediately after I recieved the fax, I transferred over the payment required for the settlement of my account and this transaction finished on all ends on the XXXX of XXXX. I later found a mail dated for after the date the account was officially settled claiming that they sold my debt to another company. On this mail they provided incorrect contact information for the company and I had to call Navy federal multiple times to get more details about the transaction and the correct number for the company it was sold too. After I spoke with the company they said that navy federal mistakingly sold my account to them and that they sent it back. Durring my most recent call to navy federal they told me that I would have to wait untill they finish sending everything back to them before it would stop affecting my credit. I have been wanting to get this matter resolved swiftly since my very first request so my credit could become in good standing again. Because of navy federal poor service and mishandling of my account and information it could negatively effect my upcoming home loan causing undue financial stress on me and my wife. I believe that navy federal is in the wrong for the way they handled my account and information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
About a month ago, I received a collection letter from Nationwide Credit & Collection ( NCC ) claiming that I had a medical debt past due. I had already paid all bills related to these services in full. Confident that this was an error, I mailed NCC a response disputing my debt. They ignored my dispute and have continued to send me collection letters, but now with a different " past due '' amount. Their failure to acknowledge my dispute and insistence on continuing to collect an amount that I do not owe is wrong. I worry that people with fewer resources or knowledge about their rights will end up paying because of these improper collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: VA

Complaint narrative:
After checking my TransUnion credit report on XX/XX/XXXX, These inquiries do not have permissible purpose and is not in accordance with the Fair Credit Reporting act,. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 B. Delete these inquiries. 

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After a detailed review of my recent credit report, I found multiple accounts that I believe are incorrect and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and XXXX be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding Experians failure to properly verify a debt reported by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX. In a previous dispute filed through the CFPB, Experian verified the debt as {$3400.00}. However, I have written proof from XXXX confirming that the actual debt amount is {$3400.00}, revealing a discrepancy in the verification process. 

This inaccurate verification is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported on a consumers credit report be accurate and fully verified. Due to this improper verification, I have suffered significant financial harm, including : Denial of multiple credit card applications Denial of an auto loan for {$100000.00} Denial of a home loan for {$400000.00} I have attached an invoice for damages. 
Experians failure to verify the debt accurately has severely impacted my creditworthiness and caused substantial financial damages. 
I expect swift action on this matter and will pursue further legal action if necessary to protect my rights under the FCRA.

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 2024-10-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
Structured settle from US Bank Corp missing never withdrawed money from institution

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 2024-10-02 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: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief