vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
Re : Dispute of Inaccurate Information on Credit Report XXXX  Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Account Name : XXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off and subsequently sold, yet the original creditor continues to report it, despite the purchasing company ceasing collection activities. This violates 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information. I have submitted this in a previous complaint.
Balance and Past Due Amounts : The balance is reported as {$0.00} after a charge-off of {$3900.00}. This balance may include erroneous fees or charges that were not properly documented or validated, violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers of information must provide accurate information.

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

Account Closure Details : The comment states the account was " purchased by another lender, '' yet XXXX continues to report the account. This is a violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ), which requires accurate reporting of account status.

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ).

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).

Debt Validation Issues : The company to which the debt was sold investigated and stated they can not validate the debt, hence they ceased collection efforts. However, XXXX continues to report the debt, which violates the FDCPA ( 15 USC 1692g ) and the FCRA ( 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/year> From XXXX XXXX CASE : XXXX Transaction Amount {$58000.00} To American Express Subject : Disputing unauthorized charge for merchandise lost due to negligence in delivery. 
I am writing to urgently dispute the unauthorized charge on my account for merchandise that was lost due to negligence during the delivery process. I kindly request that you refrain from refilling the charge and take immediate action to rectify this matter. 
Despite my repeated attempts to resolve this issue with the merchant, they have consistently provided the same response that they are entitled no responsibility for the lost merchandise in accordance with their policy .However the delivery itself was clearly unsecured as the merchandise was left outside the property garage gate where it was visible to the pedestrians and the drivers on the street. 
It is important to note that the merchant has shown no willingness to collaborate with the carrier to address this situation. Instead they insist on holing me, the consumer, solely responsible for the lost .I am unable to make payment for the unauthorized charge unless the merchant prices the merchandise correctly. 
I strongly urge you to intervene in this matter and prevent this procedure from continuing .The financial burden and the stress caused by this situation are greatly affecting me and I simply do not have the time or resources to deal with it further. 
I sincerely hope that American Express will address this matter promptly and help resolve this dispute in a fair and satisfactory manner. I do not want the irresponsibility of the merchant to tarnish my credit ability which I have worked diligently to maintain. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NY

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On XX/XX/year> I received an email notifying me that I had an application to open a Citi Bank Double Cash Card. On the same day, I received an email notifying me that I had an application to open an XXXX  XXXX XXXX XXXX XXXX. I did not attempt to open either of these cards. 

I have contacted both of these companies and notified them to not open, or shut down these accounts someone was trying to open in my name without my authorization. 

Due to this identify theft attempt, I now have a Hard Inquiry on my Credit Report through XXXX with Citi Cards/Citibank . 

I would like to dispute this hard inquiry as this was clearly not me and was part of an identity theft attempt.

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 2024-06-24 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiry found in my credit report

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 2024-06-24 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: PA

Complaint narrative:
I did not report that the card was not mines and inaccuracy on this card ending in XXXX. I paid this card off in full. Was told by XXXX  to call the credit come to remove the hold that is stopping them for re activing this card of 9 years of credit. Please correct this matter I want my XXXX credit card back. Thanks

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 2024-06-24 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: GA

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-06-24 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: NY

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 2024-06-24 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: NY

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 explanation
Consumer complaint received 2024-06-24 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: OR

Complaint narrative:
Kindly remove and block.

I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away

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 2024-06-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A car loan was taken out with XXXX XXXX in XX/XX/year>. I was the co signer of a ex partner he got into a accident a month after getting the vehicle. When he had took the vehicle out from the dealership he had no drivers license and they let him take the vehicle out and also did fake insurance the man that did the fake insurance for my ex partner was later down the line fired for this. XXXX XXXX knew that no one had a drivers license and still lend him money for a loan. I looked into Credit acceptance and they are being sued for giving out car loan to minors to ruin their credit report. The car got total and a police tow truck towed the car and took it to a mechanic collision spot. Its on record at the XXXX police station. I reached out to XXXX XXXX and told them this is affecting my credit report and me and my ex partner are no longer together and that the vehicle is not in anyones possession due to the accident that was had. They said that the last location they see of the vehicle was in 2019 at the collision spot. The main owner couldnt afford the vehicle so he left it at the shop. XXXX XXXX knew this and did not come for their and have the vehicle on our credit report as if we still have the vehicle and they are collecting interest. The car was a XXXX and now the amount is at XXXX. I have explained to them various of times that if they knew no payments were being made and they knew where the vehicle was why didnt they go get their vehicle. No information was provided after i stated this and they still have yet to remove it off my credit report and look for the vehicle. I contacted the last place the vehicle was at the man said he junked the vehicle and refused to give us proof. I honestly think XXXX XXXX got their vehicle and refusing to admit it because it doesnt make no sense of why after all these year the car was never repossessed and are having it on file as we still have the vehicle.

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 2024-06-24 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:
I look at my account in notice inaccurate information are being reported as 30day late but I was never late I also disputed Mutiple times on this account XXXX XXXX XXXX XXXX XXXX I try to resolve this issue Mutiple time in they said account is accurate I even show them proof of inaccurate information being reported they didn't provide me detailed description of all procedures used in the process to determine complete accuracy of information reported here goes my attachment of inaccurate information I circle being reported on XX/XX/year> 30 days late that was never late

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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I was out of work not able to pay my loan to loanstar title loans in the amount of {$360.00} a week XXXX  {$32.00} a day until Im able to pay it off @ loanstar title loan on XXXX XXXX XXXX they repoed my car now the tow truck company is making me pay a fee of {$60.00} to pick up my belongings an the loan company is refusing to get that fee waived she also caught a attitude because I didnt have the money to pay for the loan r the fee

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-24 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: NY

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 response to consumer: Closed with explanation