vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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:
Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX Last XXXX ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name XXXX XXXX  Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,

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 2024-08-14 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: FL

Complaint narrative:
Good day XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX XXXX XXXXXXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing errors on my credit report and experian is failing to take action numerous times. I even called their customer service and dispute division and they are refusing to take action. My report is inaccurate and has a lot of errors.

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 2024-08-14 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 accounts 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/updated.

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.

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!

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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
So I had filed a dispute for a hotel I was staying in to my bank capital one, at which I had provided the photos of mold all over the house making it inhabitable my brother got sick so we left 5 days early, I thought that was more than enough to prove my case nope on the website XXXX XXXX they say its a no refund policy so trying to reason with them over a refund is ridiculous they say no on every turn, make bank then. Asked for multiple documents which no one can provide I told them that the website states no refunds so thats as to why I disputed the transaction I also talked to the merchant they said no, and as of today capital one has put my account negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: IL

Complaint narrative:
I had a loan with XXXX in the amount of XXXX. However only XXXX cash was received by myself and the rest was placed in a XXXX  holding account. The account went into arrears in XXXX due to an identity theft issue. XXXX was sold and my account transferred to XXXX ( XXXXXXXX XXXX XXXX XXXX  ). I never received any type of notifications or mailings that the account was transferred or any notice of balance due or any notification that would have allowed me to dispute the debt or have it verified. I did move in XXXX of XXXX but the USPS did have an address change on file so mailings should have been received. 
My credit report has this debt posted without proper verification of the debt. My credit report also indicates 17 missed payments to XXXX. However I never knew about XXXX  involvement so I had no payment arrangements made. 
I called XXXX and found out the debt was transferred to XXXX XXXX XXXX so XXXX  no longer holds the debt but is still reporting missed payments. I also never received any notice that the debt was transferred. 
I havee settled the debt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing errors on my credit report and experian is failing to take action numerous times. I even called their customer service and dispute division and they are refusing to take action. My report is inaccurate and has a lot of errors.

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 2024-08-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing this complaint because my credit report contains accounts opened without my consent due to identity theft. Under FCRA Section 605 ( b ), I request the immediate deletion and blocking of these fraudulent accounts.

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 2024-08-14 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: NC

Complaint narrative:
Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$800.00} Account Type : Collection Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$430.00} I am filing this complaint due to accounts on my credit report that were opened fraudulently as a result of identity theft. These accounts were added without my consent, and I am requesting their removal under FCRA Section 605 ( b ), which mandates the deletion and blocking of information resulting from identity theft.

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 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
In XXXX, my home flooded and my family was forced to move out. 

We had to send all of our insurance funds to Loss Track, which is part of BSI Financial Services. 

We have been unable to get the money back from BSI in a timely matter, resulting in MAJOR delays and additional incurred costs ( we have to pay to stay in rental and far from job ) for EXTENDED periods of time. 

It took an extra 6 weeks to get our first distribution of funds. 

I am now trying to schedule an inspection so I can get the second distribution. 

I requested an inspection a month ago. They said they didn't have the paper work I had ALREADY given them ( and insurance gave them ) weeks before. 

I had to resubmit this paper work and they said they needed 2 weeks to process it ( FOR A SECOND TIME ). 

I called again today to schedule my inspection. And they said they don't have record of me ever requesting an inspection and the process has to start all over again. 

So, I waited a month already for the second distribution and now I will have to wait an additional weeks to months to see if I can actually get it scheduled. 

They are stealing my money. And I can't pay my builder until I get it. And I have to incur ADDITIONAL costs at this rental every week that they delay giving me my money. 

So my house sits empty and not work is being done. 

This is the most FRUSTRATING process ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
In accordance with the Fair Consumer Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 record of conviction of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I made an autopayment on XX/XX/XXXX for {$760.00}. I had over {$1100.00} in my bank account at the time, but they still came back with a returned payment of {$760.00} and then charged a {$39.00} returned payment fee. I made the payment again on XX/XX/XXXX online for the same amount after transferring funds into my account to make sure there was enough again and they said on chat they would reverse the {$39.00} returned payment fee. They hit me with a returned payment of {$760.00} again and instead of removing the {$39.00} charge, they charged an additional {$39.00} returned payment fee. I have let them know that I am not going to attempt to pay them anything again, until they remove the two {$39.00} fees. They are causing the returned payments and then charging me {$39.00} each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
I called Equifax to get my credit report on XXXX XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b.

I also attached my credit report and letter showing that Equifax is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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:
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 trafficking according to Trafficking-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 Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX contacted me to collect a debt on behalf of eversource. I sent them proof the debt isnt mine, They sent me a copy of the bill. I then contacted them explaining the debt isnt mine and showing proof it isnt and the person who the debt does belong to acknowledged the debt was theirs. I mailed them twice with no response. I know they received my letters since I sent them certified mail. I sent them multiple emails asking for updates and they did not answer me at all. On the XXXX of XXXX they reported the debt to the credit agencies and hurt my credit score. I do not feel they had the right to do this as I was trying to work with them and they would not contact me at all. I called them and they said they would look into it. I have no faith they will. They need to remove the negative comment from my credit report. I have copies of all the times I reached out to them. It is my understanding that they need to stay in touch with me. What they have done is not right. Especially since the debt isnt even mine.

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 2024-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX PNC Bank Blocked my XXXX access. 

I am writing to formally express my concern and dissatisfaction with the recent blocking of my access to XXXX through my PNC Bank account. I have been a loyal customer of PNC Bank for years 14 years now and have utilized XXXX for a variety of personal and financial transactions without issue until now. 

On XX/XX/year>, I attempted to access my XXXX account, only to find that my access had been blocked. I have not received any prior communication or explanation from PNC Bank regarding the reason for this action. This sudden restriction has caused me significant inconvenience, as I rely on XXXX for timely transactions and payments. 

I kindly request a detailed explanation as to why my XXXX access has been blocked and the steps required to resolve this issue promptly. It is crucial for me to understand the reasoning behind this action, especially since I have not been informed of any violations or issues that would warrant such a response. 

Furthermore, I expect PNC Bank to take immediate action to restore my access to XXXX or provide a valid reason for its continued restriction. Transparency and effective communication are essential in maintaining customer trust, and I am disappointed by the lack of information provided in this situation. 

Please consider this letter as an official complaint and address the issue as soon as possible. 

Thank you for your prompt attention to this issue. I look forward to your immediate response and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They sent me a letter, after 10 days, confirming that the charge was posted to my credit card

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 2024-08-14 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: OH

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-08-14 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: IN

Complaint narrative:
I sent them a debt verification affidavit and they didnt respond. ( Please see attached )

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