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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have credit monitoring through XXXX and as part of that, my credit is always locked. I was under the impression that this locked my credit all around, but clearly I was mistaken. XXXX has made me aware of the following inquiries and underneath, you will see the actions I have taken. For the blocked inquiries, I have not taken any action. 

XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry by XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry from XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX  got a copy of my XXXX Credit Report -I have called XXXX XXXX, they said an application was put in for a XXXX XXXX on XX/XX/year> and they marked the application as fraudulent and passed it onto their fraud department, they would not send me a letter of deletion to have this removed from my credit. 
-I called XXXX and put a freeze ( they said this would take 24 hours, so if another one happens today, that will be problematic ) on my credit report and put a fraud notice on my credit for 1 year. Conf # XXXX They refused to help in any other way like communication with the banks that they gave my credit reports to. 

XXXX ) XX/XX/year> XXXX XXXX got a copy of my XXXX Credit Report -I called XXXX and put a freeze on my credit. They told me that they would also notify XXXX XXXX. I'm not sure if this is the same XXXX one that inquired into XXXX the same day? 
-See above for communication with XXXX XXXX. 

XXXX ) XX/XX/year> Citizens Bank got a copy of my XXXX Credit report. 
-I called Citizen 's Bank and they told me that they were sending it over to their fraud department, but could not verify if an application had been put in for a card or a loan. The Case ID # is XXXX XXXX XXXX XXXX above 6 ) XX/XX/year> XXXX Blocked an Attempted Installment Loan Inquiry from XXXX XXXX XXXX XXXX 

Hopefully no other requests are placed within the XXXX period XXXX said it would take for the freeze to be in effect.

I am hoping that you can help me get these inquiries removed from my credit report and/or provide me with the necessary documentation to send to the credit agencies. 

Thanks so much!

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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
" I have been a customer of Truist Bank for about three years and until recently, I thought my experience was decent. However, I'm incredibly frustrated with the way they've handled my car loan account XXXX XXXXXXXXXXXX few months ago, I noticed a balance on my account that was unexpectedly higher than my usual monthly payment. After reaching out to customer service, I was repeatedly told that my previous payment hadn't cleared. It turns out I accidentally missed a payment in XX/XX/year>, but what infuriates me is that Truist Bank never bothered to notify me about it. Instead, I was blindsided by over {$650.00} in monthly late fees.<br /><br />Despite my attempts to resolve this issue, the bank has shown a complete lack of concern or willingness to help. Their customer service is appalling, and it feels like they prioritize profit over their customers. I'm beyond disappointed with Truist Bank and their handling of my account. I urge others to be cautious when dealing with 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 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple card/GS Bank : This account was taken over by Apple/GS Bank . They never gave me a reason why the account was taken over and closed. This company is not communicating with me about the account. I believe this was closed because of Identity theft. 

XXXX account was closed for the same reason. 

XXXX XXXX XXXX account is not mine

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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After carefully analyzing my recent credit report, I identified several accounts that appear to be incorrect and were added without my awareness.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found inaccuracies on my credit report that appear to be governed by 15 USC 16c-2. This information is not accurate and is harming my credit standing.

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: OK

Complaint narrative:
My credit increased by {$1000.00} to {$2000.00} and not from {$2000.00} to {$1000.00} the opposite was reported causing my credit score to drop over XXXX points on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Subject : Complaint Against Navient for Steering into Forbearance and Regulatory Violations Description : I am writing to file a complaint against Navient regarding their handling of my student loans. I believe I fall under the circumstances outlined in the recent CFPB order against the company. 

1. Steering into Forbearance : On several occasions, I was advised by Navient representatives to place my loans into forbearance instead of being informed about more affordable repayment options, such as income-driven repayment plans. This guidance has resulted in my loans accruing interest during periods when I could have been making manageable payments, leading to increased overall debt.

2. Regulatory Violations : I am aware of Navients history of violations of various financial laws, which have resulted in significant penalties from regulatory bodies. Their past actions, including steering borrowers away from beneficial repayment options, have not only harmed my financial situation but also seem to violate consumer protection laws. 

Given these circumstances, I respectfully request that my complaint be investigated, and I seek any available remedies or redress as outlined in the CFPBs order against Navient. 

Thank you for your attention to this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I am disputing an inaccurate late payment reported on my credit report for the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX Creditor Name : XXXX Account XXXX Date of Reported Late Payment : XX/XX/year> Creditor Name : XXXX XXXX  Account XXXX Date of Reported Late Payment : XXXX, XXXX, XXXX, XXXX XXXX, XXXX Creditor name : XXXX Account XXXX Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they send the required statement at least 21 days before the payment due date. I did not receive the statement in time, and my payment should not be marked late.

In addition to 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802 I request that you complied with this law Correct or remove the late payment from my credit report.

I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 

I trust that you will take this matter seriously and resolve it immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I am disputing an inaccurate late payment reported on my credit report for the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX Creditor Name : XXXX  Account XXXX Date of Reported Late Payment : XX/XX/year> Creditor Name : XXXX XXXX  Account XXXX Date of Reported Late Payment : XXXX, XXXX, XXXX, XXXX XXXX, XXXX Creditor name : XXXX  Account XXXX Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they send the required statement at least 21 days before the payment due date. I did not receive the statement in time, and my payment should not be marked late.

In addition to 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802 I request that you complied with this law Correct or remove the late payment from my credit report.

I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 

I trust that you will take this matter seriously and resolve it immediately. 

Sincerely, XXXX XXXX

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: IL

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax had my credit merge with someone with same or similar name. After month they finally unhinged my name but left all the inquiries on my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment for this account was made on time for the billing cycle due in XX/XX/XXXX, but the creditor incorrectly reported it as late. I have attached bank statements and payment confirmation showing that the payment was successfully made well before the due date. 
Despite my timely payment and the evidence provided, the late payment entry has not been corrected by the reporting agencies. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I discovered incorrect information on my credit report, as outlined by 15 USC 16c-2. This information is inaccurate and negatively affects my creditworthiness.

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 status incorrect
Company: Experian Information Solutions Inc.
State: PA

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


EXPERIAN XXXX 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! 


Delete 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau are reporting information to my credit report that is not authorized to be on there and the information being reported is incorrect and should have been off of public records.

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: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I checked my credit report and noticed that there was a closed collection from XX/XX/scrub>XXXX XXXX that I did not recognize. 

The collection is from Transworld System Inc. for a company called XXXX XXXX originating from the state of XXXX  for the amount of {$1200.00}. 

I have filed a dispute with XXXX and Transworld System Inc. marking this claim as fraudulent.

Transworld System Inc. has mailed me a report regarding the account. I have noticed on their report that it is not my name under this account and that the address that was billed is not an address that I have ever resided.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified erroneous information on my credit report, as outlined by 15 USC 16c-2. I believe this information is incorrect and is adversely impacting my creditworthiness.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX added an account back to my credit report that had been removed a few months ago. By doing this, they violated the Fair Credit Reporting Act ( FCRA ). They failed to notify me within five business days of the reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and did not provide proof of accuracy, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). Since this account was opened without my consent and is linked to identity theft, not removing it is a violation of 15 U.S.C. 1681c-2 ( a ). Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX regarding this issue. Both XXXX and Experian failed to resolve the matter within 30 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and correct errors within this time frame. I request that you delete this account immediately. Failure to do so will result in legal action to protect my credit, with potential damages of {$1000.00} per 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