vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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. 

This company 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 2024-09-05 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: GA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2024-09-05 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: MD

Complaint narrative:
XXXX, XXXX, & Equifax continue to report information that is incorrect. The account listed as XXXX XXXX Account # XXXX has late payments and other information within the account is different from each consumer agency this means this account has not been properly verified or investigations into my previous disputes. Neither consumer agency has access to my private transactions history if they did this would be a violation of my right to privacy and then you could be held civilly liable for damages. Account Rating is different, Creditor Remarks are incorrect, Last Payment, Creditor Type. This account could not have been properly handled due to these inconsistencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: MD

Complaint narrative:
XXXX, Experian, & XXXX continue to report information that is incorrect. The account listed as XXXX XXXX Account # XXXX has late payments and other information within the account is different from each consumer agency this means this account has not been properly verified or investigations into my previous disputes. Neither consumer agency has access to my private transactions history if they did this would be a violation of my right to privacy and then you could be held civilly liable for damages. Account Rating is different, Creditor Remarks are incorrect, Last Payment, Creditor Type. This account could not have been properly handled due to these inconsistencies.

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 2024-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Loans and credit cards were fraudulently opened in my name. 
XXXX ( Fraud Credit Card ), XXXX XXXX XXXX ( Fraud Personal Loan ). XXXX XXXX XXXX XXXX  ( LEASE ) Fraudulent Credit Inquires : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I can't believe it, but inaccurate accounts appeared on my credit report this afternoon for no apparent reason. I review my credit report regularly, and this time there were sudden discrepancies. I tried refreshing my browser to see if it was just a malfunction, but the errors persisted. I need the documents I've submitted to be checked in detail so I can stop stressing over this.

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 2024-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding a potential violation of the Fair Debt Collection Practices Act ( FDCPA ). I am currently being pursued by two separate debt collection agencies regarding the same debt allegedly owed to XXXX. 

The first agency, XXXX XXXX XXXX, is attempting to collect the debt under account number XXXX XXXX The second agency, Transworld Systems Inc., is also attempting to collect the same debt under account number XXXX. Both agencies claim to represent the same creditor, XXXX, but the amounts they are seeking differ. 

Specific Issues : Multiple Collection Agencies : Both XXXX XXXX XXXX and Transworld Systems Inc. are attempting to collect the same debt owed to XXXX. 
Discrepancies in Amounts : The amounts claimed by the two agencies differ, which has caused confusion as to which agency is authorized to collect the debt. 
Insufficient Debt Validation : I have received documentation from Transworld Systems Inc. That includes a summary of move-out charges. However, this does not constitute sufficient validation of the debt under the FDCPA.

Legal Justification : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), debt collectors are required to provide validation of the debt upon request. This includes : Proof of the debts amount and nature. 
Proof that the debt collector is legally authorized to collect the debt. 
A simple summary of charges, such as a move-out charge list, does not meet the standard for debt validation under federal law. According to 15 U.S.C. 1692g, validation of the debt must include the original agreement or contract that established my obligation to pay, along with evidence of any assignments or transfers of the debt between agencies.

Further, the Consumer Financial Protection Bureau 's regulations under Regulation F, which became effective in XXXX, clarify that debt collectors must provide clear and accurate information, including itemized details of the debt and evidence that the debt collector is entitled to collect. 

Request for CFPB Action : I kindly request that the CFPB investigate the following : Determine the legitimacy of both agencies ' claims and ensure that only one agency is entitled to collect this debt. 
Enforce compliance with the FDCPA and Regulation F, ensuring that proper debt validation is provided, including itemized statements, original contracts, and proof of transfer, rather than a mere summary of charges. 
Provide guidance on how to resolve the discrepancies and conflicting claims by both XXXX XXXX XXXX and Transworld Systems Inc. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in ensuring that my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-05 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: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello Citi Bank disputes, This is XXXX XXXX, emailing and following up regarding my dispute XXXX. 
Attached below in two of the pictures is the product I received from the fraudulent/scam locksmith that came out in XXXX of XXXX  and charged me XXXX dollars for a fake key. Again I was not able to to reach the merchant as there is no company listed or called XXXX XXXX XXXX online or locally in my area. Also I included my mechanics bill for checking my car security system and key, as I was trying to figure out what was wrong with it. I have emailed Citi Bank the receipt for this transaction. 
Regards, 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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I requested Bank of America for account to be Closed. Since XX/XX/year> I was told they will close my account on XX/XX/year>, Then was told XX/XX/XXXX XXXX. Now I was told they dont have an estimate time of when will account be closed. Without no explanation Bank of America is refusing to close my account. I still have funds in the 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 monetary relief
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX Reference # : 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 non-monetary relief
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-05 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I submit a complaint regarding this account on XXXX  and the bank response confirms the information that I already knew. The bank payment history letter from XXXX XXXX XXXX shows a 30-day late payment report to all credit bureaus from XX/XX/XXXX. However, this information is not being report accurate to all credit bureaus. The bank 30-day late payment report will be included in this claim highlighted in XXXX  color, and the bank credit bureaus report is the following : XXXX 30-day late payment XX/XX/XXXX, XXXX  30-day late payment XX/XX/XXXX, and XXXX  30-late payment XXXX XXXX. This 30-day late payment is in violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Moreover, the documents provided by the bank XXXX the XX/XX/XXXX consumer credit report shows inaccurate information regarding this late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Global lending services Account charged off Date opened XX/XX/year> Car got totaled out due to someone totaling out the car balance left over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/year>

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 2024-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank is the provider of Sam 's Club credit. My credit is excellent with all three reporting agencies. I applied for credit and they denied me once stating I applied too soon, after a representative from the bank had told me top apply. I waited and reapplied and today I received another bogus notice that states, 'Unsatisfactory payment history with Synchrony Bank '. I checked all three credit bureau agencies, and synchrony never reported any late or non-payment issues on my report ( s ). They are simply discriminating against me because I have complained about them to the cfpb, and to them about outsourcing their payment processing.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS IS NOT A DISPUTE REQUEST. 
DO NOT FILE A DISPUTE. DO NOT ADD A SECURITY ALERT TO MY FILE. DO NOT MAIL A COPY OF MY CREDIT REPORT. I called TransUnion on XX/XX/XXXX, XXXX l dialed ( XXXX ) XXXX. Because TransUnion has excessive hold times, I requested a call back. About 45 minutes later I received an inbound call on or around XXXX XXXX  PDT. It was a male agent. After his introduction, he stopped talking ; however, my phone was still connected. I kept saying " hello agent are you there? '' There was no response. Either the system disconnected or the agent engages in call-avoidance. This is not a onetime isolated event ; this is a pattern and practice. Please sanction the employee and TransUnion.

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