vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: WI

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update 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 2025-01-11 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: NY

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX New York, XXXX XXXX SSN : XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against Experian for their repeated failure to properly investigate my credit report disputes, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 
I have previously submitted multiple disputes to Experian regarding inaccurate reporting of late payments by XXXX. Despite these attempts, Experian has failed to conduct a reasonable reinvestigation and correct the inaccuracies on my credit report. 
The specific inaccuracies are as follows : Account Number XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, totaling {$9500.00}. 
Account Number XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, totaling {$15000.00}. 
I have provided Experian with documentation supporting my disputes in previous communications. 
However, Experian has consistently failed to : Conduct a thorough reinvestigation of the disputed information. 
Correct the inaccurate information on my credit report. 
Provide me with adequate notice of the results of their investigations. 
As a result of Experian 's negligence, I have suffered not getting approved for a home loan and credit cards. 
I believe Experian 's actions constitute a clear violation of 15 USC 1681e ( b ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. I request that the CFPB investigate this matter and take appropriate action against Experian to ensure they comply with the FCRA. 

Thank you for your time and attention to this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX SSN : 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 2025-01-10 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: LEXISNEXIS
State: PA

Complaint narrative:
Once again I submitted a dispute to LexisNexis regarding inaccuracies in my credit report, including incorrect personal information and an outdated judgment. And once again, LexisNexis refused to process my dispute, claiming they were unable to authenticate my identity. This response is unfounded, as I previously submitted the same identity verification documents that were accepted by LexisNexis just XXXX months prior in XXXX when I requested my credit report to which my identity was authenticated, and my credit report was provided. My address or other credentials has not changed. 
The refusal to process my dispute appears to be an attempt to circumvent their responsibilities under the Fair Credit Reporting Act ( FCRA ). LexisNexiss actions deny me my right to dispute inaccuracies and to have my credit file investigated and corrected. 
Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Failure to conduct a reasonable investigation of disputes. 
Unjustified refusal to process a dispute by claiming inability to verify identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am disputing this debt because it is not mine. I have no knowledge of this account and have not authorized any charges related to it. The account information provided does not match any of my personal details. I have requested a debt validation multiple times with no response. They are constantly harrassing me multiple times a week. I request that this debt be investigated and removed from my records as it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BUSEY BANK
State: IL

Complaint narrative:
When reviewing my account statement from Busey Bank in XXXX, IL, I noticed a {$15.00} service charge imposed on our account. We have a XXXXXXXX XXXX  account, and the terms of that account include a {$15.00} fee under certain circumstances. The description of when this fee is imposed is as follows, taken directly from the account disclosures available on Busey 's web site : " MINIMUM BALANCE REQUIREMENTS : The minimum balance required to avoid the {$15.00} maintenance fee per statement cycle is a combined balance of {$15000.00} daily in eligible accounts for the XXXX XXXX statement cycle. Eligible accounts include checking, savings, money market, certificate of deposit, IRA and the XXXXXXXX XXXX account. '' Because we typically maintain far more than {$15000.00} combined in the relevant accounts, I requested information on how Busey Bank determined that we had failed the {$15000.00} minimum balance requirement. I received the following information from XXXX, XXXX XXXX XXXX at Busey Bank, at XXXX a.m. on XX/XX/XXXX. I have removed account numbers for security purposes : " [ XXXX XXXXXXXX XXXX XXXX ] 's lowest day-end balance in that cycle was {$3900.00} on XX/XX/XXXX [ XXXX XXXX XXXX XXXX ] 's lowest day-end balance in that cycle was {$10000.00} on XXXX [ XXXX XXXX XXXX XXXX ] 's balance all month that cycle was {$720.00}. 
This totals {$14000.00}. '' I was astonished that they had determined we fell below the " combined balance of {$15000.00} daily '' by combining the lowest daily balances in the billing cycle on DIFFERENT DAYS, as opposed to calculating our combined DAILY balance, which is what their official policy refers to. So I reviewed our actual COMBINED DAILY BALANCES in our accounts on the days they specified in their information, and found that on XX/XX/XXXX, our combined balances in all relevant accounts was {$26000.00} on XX/XX/XXXX and {$43000.00} on XXXX. In fact, there was NO DAY during the relevant billing cycle in which our COMBINED DAILY BALANCE in all relevant accounts was less than {$15000.00}. What XXXX did was ignore the actual daily balances in our combined accounts, and instead combined the lowest balances in each account on DIFFERENT days to find that we had slipped below the {$15000.00} limit. This is NOT what their policy states. The policy refers to combined DAILY balances, not " combined lowest daily balance in each account on any particular day in the billing cycle ''. Accordingly, the implementation of their service fee is not in accordance with their stated policy, and therefore the policy is misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
On XX/XX/year>, my vehicle was involved in a total loss. The lender was Mazda Financial Services. I finally resolved all the outstanding issues around my account near the end of XX/XX/year>, and a check was mailed to Mazda Financial Services ( MFS ) by my XXXX coverage provider on the XXXX of XXXX. 

By their own accounting, MFS owes me a refund of {$1300.00}. However, they have only been able to send me billing statements, requesting I send a payment to them for the amount of XXXX. I have contacted them twice about this issue, and both times was reassured that the next correspondence I was receiving would be my refund. However, they keep sending these billing statements for a negative amount. After receiving the second incorrect bill, I tried to call MFS at XXXX XXXX, which is during their advertised business hours of XXXX to XXXX XXXX. I was not answered, and received a message saying this was outside their business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked, to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-10 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked, to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-10 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: NY

Complaint narrative:
I am filing this complaint against EXPERIAN due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Recently I discovered that the XXXX XXXX Account Number : XXXX, which was previously deleted from my credit report, has been reinserted without proper certification of accuracy or notification to me, as required by law. 
Under FCRA Section 611 ( a ) ( 5 ) ( B ), the following requirements must be met when reinserting deleted information into a consumers credit file : 1. Certification of Accuracy : The consumer reporting agency may not reinsert deleted information unless the furnisher of the information certifies that the information is complete and accurate. I have not been provided with any evidence that such certification was received.

2. Written Notice to the Consumer : The consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I have not received any written notification from EXPERIAN regarding the reinsertion of this account.

3. Disclosure of Furnisher Details : The agency must provide the name, address, and contact information of the furnisher, as well as notify me of my right to add a statement disputing the information. This information has not been provided to me.

This reinsertion has caused significant harm to my credit profile and violates my rights as outlined by federal law.

The reinsertion of this account into my credit file without meeting the requirements of the FCRA constitutes a violation of my rights. I respectfully request the CFPBs assistance to ensure EXPERIAN resolves this issue promptly and complies with all applicable laws. I KINDLY REQUEST THAT EXPERIAN REFRAIN FROM SENDING ME GENERIC OR AUTOMATED RESPONSES. I AM ACTING SOLELY ON MY OWN BEHALF IN THIS MATTER, AND AM NOT USING THE SERVICES OF ANY CREDIT REPAIR ORGANIZATION OR THIRD PARTY TO HANDLE THIS DISPUTE. 
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 2025-01-10 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: NY

Complaint narrative:
I am filing this complaint against EXPERIAN due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Recently I discovered that the XXXX XXXX Account Number : XXXX, which was previously deleted from my credit report, has been reinserted without proper certification of accuracy or notification to me, as required by law. 
Under FCRA Section 611 ( a ) ( 5 ) ( B ), the following requirements must be met when reinserting deleted information into a consumers credit file : 1. Certification of Accuracy : The consumer reporting agency may not reinsert deleted information unless the furnisher of the information certifies that the information is complete and accurate. I have not been provided with any evidence that such certification was received.

2. Written Notice to the Consumer : The consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I have not received any written notification from EXPERIAN regarding the reinsertion of this account.

3. Disclosure of Furnisher Details : The agency must provide the name, address, and contact information of the furnisher, as well as notify me of my right to add a statement disputing the information. This information has not been provided to me.

This reinsertion has caused significant harm to my credit profile and violates my rights as outlined by federal law. 
The reinsertion of this account into my credit file without meeting the requirements of the FCRA constitutes a violation of my rights. I respectfully request the CFPBs assistance to ensure EXPERIAN resolves this issue promptly and complies with all applicable laws. I KINDLY REQUEST THAT EXPERIAN REFRAIN FROM SENDING ME GENERIC OR AUTOMATED RESPONSES. I AM ACTING SOLELY ON MY OWN BEHALF IN THIS MATTER, AND AM NOT USING THE SERVICES OF ANY CREDIT REPAIR ORGANIZATION OR THIRD PARTY TO HANDLE THIS DISPUTE. 
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 2025-01-10 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: CA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2025-01-11 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:
Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the first place.

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 2025-01-10 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: VA

Complaint narrative:
The information you are reporting is not accurate and its not complete it is incorrect, please delete if from my credit report immediately, I want you to reinvestigate this because thhe way its looking on my credit report it does not look accurate and it does not look complete. it hurting my ability obtain credit & hardship

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 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
All payments were made on time i demand that my credit file report true and accurate information under FCRA 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S
. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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