vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX 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 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 2024-10-09 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: GA

Complaint narrative:
My account with 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 in 60 days 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.

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 non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I tried to make payment arrangements with Navy Federal that would fit my budget and the representative put me on hold for 30 minutes came back to the phone and hung up on me. Navy Federal has withdrawn money from my savings account to pay off the credit card debit. All my income is from Social Security Disability. I have received several emails and phone calls harassing me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX 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 in 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. XXXX XXXX AND XXXX 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 non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: MN

Complaint narrative:
In XX/XX/year>, I was behind on 2 payments of my mobile home loan. I contacted a Foreclosure Prevention Counselor ( as 21st Mortgage was telling me to because they said I was in foreclosure ) and together we contacted XXXX at 21st Mortgage on XX/XX/XXXX to inquire on mortgage assistance options. We first asked if there was an application that we could submit for mortgage assistance and XXXX said no. We then asked what mortgage assistance programs they offered and XXXX would not provide any examples. He just said we had to answer questions over the phone with him. After the conversation XXXX then sent a budget analysis that he said would be used to determine any assistance programs. We submitted a completed budget on XX/XX/XXXX. 

I heard nothing from them. On Saturday XX/XX/XXXX I received an email from XXXX claiming to be XXXX 's Supervisor. On Monday, XX/XX/XXXX I called in with the Foreclosure Counselor again and XXXX said that they cancelled the assistance offer. They stated that XXXX called and left messages on XX/XX/XXXX for an offer of {$240.00} down and they would write off the rest. I did not receive any messages by phone or email from XXXX. This offer was no longer valid as they indicated I would have needed to respond by XX/XX/XXXX ( the same day the offer was allegedly received. ) I offered {$300.00} down and asked if they would honor the offer in addition I would make the monthly loan payment that was due in XXXX by XX/XX/XXXX. They said they would reconsider and hung up on us. I even called back and spoke to XXXX about the {$300.00} payment that I was willing to pay and she said to wait until the decision on the assistance. 

On XX/XX/XXXX I received a message from a XXXX stating my account was due and I needed to contact them. I called in again with my Foreclosure Prevention Counselor and spoke to XXXX. She stated that my assistance application was denied. She further stated that they spoke to the XXXX  Manager on XX/XX/XXXX on my status with lot rent. This is not true as I spoke to her ( XXXX XXXX XXXX XXXX who stated she had not talked with them in the last 3 weeks. XXXX also claimed that the first offer was denied because they couldn't reach me as I was blocking their calls. Once again, this is not true as XXXX claimed he left messages for me. Either way I received no calls or messages from them. 

As of XX/XX/XXXX I offered them {$300.00} on Friday XX/XX/XXXX {$650.00} ( my monthly payment ) on XX/XX/XXXX and as of XXXX I would begin making my monthly payments and additional {$300.00} each month until it is caught up. They declined and told me that I have to pay it all by XX/XX/XXXX and that was their final option. My total amount due would {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the inaccurate reporting of late payments from XX/XX/XXXX to XX/XX/XXXX, which should not be attributed to me. 
On-Time Payments Prior to Transfer : I have always made my payments on time prior to the transfer of this account. The incorrect reporting of a 120-day late payment does not align with my history of responsible financial behavior, as all obligations were met before the account was transferred. 
Dispute Already Filed and Marked as Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain incorrectly on my credit report, indicating that the issue was not properly addressed. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need this mixed information to be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear NET CREDIT, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that NET CREDIT has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to NET CREDIT to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that NET CREDIT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting NET CREDIT to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 2024-10-08 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: AZ

Complaint narrative:
I ran my mortgage credit report to qualify for my home loan and my scores for XXXX, XXXX XXXX Transunion are reflecting much lower & not as they are reflecting on each bureaus web sites. Misrepresenting my overall credit & causing me to be denied for a FHA 3.5 % or 100 % financing home loan. 

This is unfair to me & my family and needs to be corrected asap.

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 2024-10-08 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: AZ

Complaint narrative:
I ran my mortgage credit report to qualify for my home loan and my scores for XXXX, Equifax XXXX XXXX are reflecting much lower & not as they are reflecting on each bureaus web sites. Misrepresenting my overall credit & causing me to be denied for a FHA 3.5 % or 100 % financing home loan. 

This is unfair to me & my family and needs to be corrected asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Since XX/XX/year> neither I nor my husband have been able to obtain our Experian credit reports through XXXX Each time we try we are rejected with the message " A condition exists that prevents Experian from being able to accept your request at this time. ", and told that we must submit a written request for our reports. 

I am at a loss to understand what is wrong with Experian. We have had no issues with the other two credit reporting agencies. We haven't had to submit any corrections to our credit histories in many years and we haven't been targets of identity theft. A quick Internet search shows that this is not an unusual problem for other people either. I am left with the impression that Experian is deliberately attempting to circumvent the Federal requirement that consumers have free and easy access to their credit 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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a US Bank Visa - business credit card ending in XXXX. It has been replaced at least 2 times. It's full of troubles : XXXX ) Came too late XXXX ) Had some fraudulent claims XXXX ) No way to make the payment after the statement-no way tot know the statement also. 
XXXX ) No way to setup automated payment XXXX ) I have another XXXX credit card ending in XXXX- i have {$18.00} rewards in that. i wanted to transfer rewards from that card into this one. Chatted with XXXX on XXXX XX/XX/year> - nothing can be done. 
XXXX ) they reset my balance. So instead of {$4400.00} it just shows {$740.00} Last week called for # XXXX and # XXXX - nothing can be done. Finally i made a payment of {$36.00} to avoid any fees or penalties. 

XXXX knows how this US bank is working.

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 2024-10-08 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:
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 2024-10-08 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: SC

Complaint narrative:
In XX/XX/year>, Equifax admitted to a data breach where my credit information was leaked. I have not been awarded any money, and my credit score remains low due to Equifax illegal practices.

Company response to consumer: Closed with explanation