vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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 2024-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XX/XX/XXXX Called customer service and was asked to verify my identity.

The agent verifies my identity and then I am being transferred to a " specialist ''.

The specialist line is offline, and I lose my queue.

I re-queue and call, and another agent verifies my identity.

However, this time, the tells me I need to call back at another time of the day because the the specialist line is now closed.

The back-and-forth calls lasted for over 20 minutes. 

XX/XX/XXXX Another series of calls with reaching customer service, getting my identity verified, and then being told that they need to transfer me over to another specialist for the call.

I am holding in queue once again,, and the agents tell me to give the line a call back another time.

This is another 20 minutes. 

XX/XX/XXXX Another series of calls and holds where this time, after getting my identity verified, I am transferred to a specialist who actually responds this time.

However, they specialist tells me they need to ask me another set of questions to verify my identity even though I have already done so with the first agent.

The extra part was, they required having to transfer to a 3rd agent as they have some " special '' questions to ask me in order to send my phone a OTP passcode.

However, the offices of the 3rd agent are not open.

I once again have lost my queue due to the constant back-and-forth with passing my calls from one agent to another to another. 
This is yet another 20 minutes of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error 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 explanation
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
XXXX XXXX is reporting a business credit card on my personal report. The business is called XXXX XXXX. TransUnion must do proper investigation about these credit cards and provide me the information. These credit cards were opened fraudulently through a company know as XXXX XXXX. TransUnion is held with the burden of proof that this account belongs to me or that I opened this account, or remove it from my report. 


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 2024-10-01 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: TX

Complaint narrative:
I am contacting you to dispute the ongoing verification of an account listed on my credit report. The attached letters provide clear evidence that the information being reported is inaccurate. Despite this, the incorrect information has not been updated or removed and continues to appear as accurate.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a thorough investigation of disputes and the correction of inaccurate data. I request that you promptly reinvestigate and ensure the inaccurate information is corrected or removed from 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 2024-10-01 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: TX

Complaint narrative:
I am contacting you to dispute the ongoing verification of an account listed on my credit report. The attached letters provide clear evidence that the information being reported is inaccurate. Despite this, the incorrect information has not been updated or removed and continues to appear as accurate.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a thorough investigation of disputes and the correction of inaccurate data. I request that you promptly reinvestigate and ensure the inaccurate information is corrected or removed from 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 explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-10-01 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: IL

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX SHOULD NOT BE ON MY CREDIT REPORT. THE FDCPA SECTION 807 ( 14 ) STATES THAT XXXX XXXXXXXX XXXX CAN NOT USE XXXX XXXX COMPANY NAME TO COLLECT A DEBT ALSO THE PAYMENT HISTORY ON THIS ACCOUNT IS ANOTHER VIOLATION.

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 2024-10-01 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: CA

Complaint narrative:
I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial standing has become.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I responded to an email I received from Experian XXXX XXXX XXXX, informing me that my phone number and SSN were found on the Dark Web. This came after I have gotten several notices from various entities saying my personal information with their companies have been compromised. I had other questions about credit attempts by someone using XXXX XXXX address information. Experian 's phone number provided in their notification Does Not allow me any option if addressing my actual concerns and absolutely NO option to reach a live person. Trying to log in again, I received a message that my XXXX and XXXX don't match their information!! There is no way to resolve, correct or address my concerns with Experian. I signed up with them on XX/XX/year> after receiving a security breach notification from 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 2024-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am bringing to your attention that an account on my credit report continues to be verified as accurate, despite the fact that I have provided attached documentation proving the information is incorrect. Your agency has not made the necessary corrections or removed the inaccurate details, and the account is still being reported inaccurately.

This failure to address the issue is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a proper investigation of disputed information. I request that you promptly reinvestigate and ensure that the inaccurate information is corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
I am once again writing regarding these accounts that have been reporting on my file for a while, and I found that there are inaccuracies affecting me and my score. I need to reiterate that these accounts are negatively reporting on my account and have no maximum accuracy.

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 2024-10-01 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my XXXX XXXX and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-10-01 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-01 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-01 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: AL

Complaint narrative:
I am writing to express my concern regarding the inaccuracies on my credit report related to disputed accounts. Despite multiple requests for investigation, these errors remain unresolved, causing significant damage to my credit file and affecting my financial well-being. 

The ongoing presence of these inaccuracies has resulted in considerable hardship. I kindly request that you thoroughly investigate each disputed account and take the necessary steps to rectify my report as soon as possible. 

I urge you to treat this matter with the utmost priority to ensure the accuracy of my credit report. Your prompt action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter.

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 2024-10-01 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-01 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-01 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: AL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
I bought a new truck. I repeatedly said I would not pay a fee for purchase or for the credit they were offering. I was told by three people including the sales manager I would not be charged. However, the finance person used an XXXX or similar tablet to show me the sales contract and finance papers. He controlled the tablet the whole time including what paragraphs were displayed and was able to prevent me from seeing a {$500.00} fee. What I could see was what I had agreed to and I signed electronically. Either the {$500.00} fee was on the tablet and I was not allowed to see it or he added it to the document before printing it out. At the same time he was showing the finance papers, he said " you have to choose which of these services you want. '' I was able to see that services included oil changes but no costs and I asked if this was part of the finance contract. Only then did I learn that it was an additional cost. He tried to make me think it was required to buy the extended warranty and services. I said no and he spent several minutes berating me for being " stupid. '' I told him to finish my paperwork so I could leave. It was only after getting home that I found that the {$500.00} fee had been added to the paperwork without my knowledge. I asked the MO AG to investigate, but they say they are unable to get a response from the car dealer.

Company response to consumer: Closed with explanation