vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX of XXXX, my mortgage was serviced by XXXX XXXX but was sold to TRUIST Bank effective XX/XX/XXXX. I was unable to create an online/app account for the TRUIST banking app, and even an over-the-phone payment with TRUIST was very difficult and time consuming. I gave up on the app and paid over the phone the XXXX mortgage late around the XXXX of the month. I tried today ( XX/XX/XXXX ) to create an online/app account, but again I was unable to. The over the phone system was unable to recognize my loan number. A discussion with their online banking technical support, said they couldn't verify my information. The online banking staff said the system failed to recognize my cell phone number. I now have to take even more time to walk into a branch to show them my cell phone and my driver 's license. They can take my money over my cell phone, but not using an app on my cell phone. 

The transition between mortgage servicing companies to TRUIST Bank has been very difficult and frustrating. I want to pay my mortgage on time, and have never been late on a mortgage payment before, and I don't want this to impact my XXXX credit rating.

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 2024-12-05 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: WI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

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

Company 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 2024-12-05 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: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 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.

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

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!

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 explanation
Consumer complaint received 2024-12-05 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:
1. Inaccurate Reporting " The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

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 2024-12-05 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:
1. Inaccurate Reporting " The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/year>, I made a Mobile Check Deposit of {$2500.00} and a hold was subsequently placed on the check for review. On XX/XX/year>, Huntington made the decision to close my checking account ending in XXXX. In a past complaint, CFPB XXXX # : XXXX, XXXX XXXX XXXX XXXX " The balance of your account, in the amount of {$2500.00}, will be mailed to the address on file on XX/XX/year>, unless the deposited check is returned, or a claim is received by the paying bank. '' Today I contacted XXXX XXXX, and he said that this won't happen until I bring a notarized statement from the person that wrote the check. No communication was sent to me in any way with this information, I had to call this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and get this new information. 

I ask him why I wasn't told, and he said " well, if you want the money you will have to do that '', " what's the big deal bringing the letter? '' I responded that it would take time and money, and he replied, " oh well ''. 

They are playing with customer 's money and time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-12-05 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: TX

Complaint narrative:
My account was never late! I have had exceptional payment history 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 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.

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

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-12-05 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 sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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 sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the XXXX  this situation has put me under.

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 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I fell into financial trouble several years ago. I got behind on my credit cards and one of them was an {$11000.00} balance on American Express. A law firm named XXXX XXXX XXXX ( now The XXXX XXXX XXXX ) in XXXX, Alabama contacted me about the debt over 2 years ago. XXXX XXXX is the lawyer I deal with. I agreed to a settlement and that he would draft my checking account every month for around {$400.00} until the settlement is fulfilled. He drafted the first payment and never drafted anything again. I never stopped payment on this and I always put money in the account to cover that draft. Now, roughly 2 years later I get served a letter that they have a judgement against me. I have complied with everything but this law firm has violated our agreement and has continuously XXXX  me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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 2024-12-05 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-05 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:
Reference Report Number : XXXX Report Date : XX/XX/XXXX Dear Experian : On XX/XX/XXXX, I sent a request/ letter of demand to have this account removed on the legal grounds that it is false and inaccurate, and yet it remains on my report. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX LISTED AS TRANSFERRED {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX BALANCE {$0.00} STATUS : Open I never had a mortgage with this lender or its subsidiaries XXXX XXXX ACCT # XXXX DATE OPEN XX/XX/XXXX CLOSED CHARGED OFF PAID {$0.00} XXXX. XXXX XXXX ACCT # XXXX OPEN DATE XX/XX/XXXX BALANCE {$3900.00} updated XX/XX/XXXX Collection/Charge off Derogatory XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, ACCT # XXXX Date opened XX/XX/XXXX XXXX. XXXX, Account number XXXX, Date Opened XX/XX/XXXX This account has over 8 consecutive 60-day late reporting, how can I be 60 days late every month FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
As per my legal right, either permanently delete this account or provide me with ( 1 ) the description of the procedure you used, ( 2 ) the name and address of the business that verified this information, and ( 3 ) the telephone number you used to verify this information. 
I dont believe you can provide the above verification, because the information itself is FALSE and the furnisher would not verify false information! 
I expect to receive a prompt response confirming the deletion of this inaccurate account.

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 2024-12-05 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: MS

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: FL

Complaint narrative:
I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX miles XXXX XXXX for {$36000.00} on the Tesla app under used cars on XX/XX/XXXX. 
Telsa uses deceptive business and sales practices and under false pretenses and potential fraud. Tesla advertises the car as a long range XXXX and the car is a short range with maximum miles of XXXX. It also led me to believe it would take my trade in of my previous car a XXXX XXXX XXXX from XXXX with a balance of {$20000.00} when they only accept trade ins that are completely paid off. 
Tesla advisors continuously provided me with misleading business information, they have not been transparent with the cars actual mileage and due to their misinformation, they continuously ran my credit with multiple banks for the wrong financing amount causing financing harm and resulting in a higher interest rate loan. 
I ask to speak with the manager in the showroom and she never came out after an hour of waiting, furthermore due to their misinformation regarding accepting car trade in, I ended up losing money for my trade in value of my car and paying additional taxes on the new purchase of my car. 
I now must spend several hundred dollars to have the car detail, this should not be the experience of such a higher model car, to receive a car that is dirty. 
The false advertisement of the long range has dire consequences as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I purchase a Tesla was to shave off the expense of over XXXX XXXX dollar a month in gas expenses, however now my usually XXXX XXXX XXXX XXXXXXXX XXXX will result in XXXX hours with multiple charging stops and cost associated with supercharging stations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation