vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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 accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-07-11 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 respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-11 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: FL

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-07-11 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-07-11 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute several unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries, which I do not recognize and did not authorize : I am concerned that these inquiries may be a result of identity theft or an error in reporting. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Therefore, I request that you investigate and remove these unauthorized hard inquiries from my credit report immediately. 

To assist in your investigation, I have enclosed copies of my credit report highlighting the disputed inquiries, as well as any relevant documents that support my claim. Please notify me in writing of the results of your investigation as soon as possible. 

If these inquiries are not removed, I would like an explanation of the reasons for your decision and the name and contact information of the creditor or business that made the inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX [ Enclosures : Copies of Credit Report, Identification Documents, Supporting Documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute several unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries, which I do not recognize and did not authorize : I am concerned that these inquiries may be a result of identity theft or an error in reporting. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Therefore, I request that you investigate and remove these unauthorized hard inquiries from my credit report immediately. 

To assist in your investigation, I have enclosed copies of my credit report highlighting the disputed inquiries, as well as any relevant documents that support my claim. Please notify me in writing of the results of your investigation as soon as possible. 

If these inquiries are not removed, I would like an explanation of the reasons for your decision and the name and contact information of the creditor or business that made the inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX [ Enclosures : Copies of Credit Report, Identification Documents, Supporting Documents ]

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive obtained. Copy of my credit report nd noticed the following errors. 

Last name : XXXX I have submitted documentation of my last name being XXXX, and it has not been updated on my credit report. There are bankruptcies showing on my report as last name XXXX as well. 

I have obtained a copy of my license for validation and would like this information updated as soon as possible. I am entitled to an accurate credit report, and this is a 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 non-monetary relief
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Continuing from the last CFPB case, XXXX Regarding the attached late payments, the only past-due notice I received was on XX/XX/XXXX. For all other payments, I received two emails : one confirming the payment was scheduled and another confirming it was posted. However, I never received an email notifying me of a returned payment. 

This is very misleading and in violation of the following. 

* CFPB Regulations and Guidelines Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The CFPB prohibits UDAAP. If your credit card company failed to notify you about a reversal of charges, causing harm or confusion, it is considered an unfair or deceptive practice. 
* Regulation Z ( Truth in Lending Act ) : Regulation Z requires clear and timely communication about changes to your credit card account. Failure to inform you about reversed charges violate these disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: MO

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-07-11 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: MO

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-07-11 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: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
I got a line of credit through SELECT PORTFOLIO SERVICING on XX/XX/year> and I was making a monthly payments on time till I paid the loan complexly, I was never late even once. When I checked my credit I saw a company XXXX XXXX that was reporting a late payment for the same amount but different account number, I never sign up with this company nor made any payment to them, I never heard about this company before. I believe there was some kind of mistake made in the system! Maybe the loan got sold to a new company but I always paid on time to Select Portfolio servicing. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is reporting non mailable addresses on my report. 
my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove all personal information and i am opting out of Experian sharing my non public information ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
Credit owed to Discover Bank has been charged off and reported as income via 1099C and should be removed from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: KS

Complaint narrative:
I payed my remaining loan balance off with XXXX payments in XX/XX/XXXX. On XXXX I payed a single loan off with a {$6600.00} payment. On XX/XX/XXXX, XXXX drafted another payment of {$230.00} after I had requested cancellation. That amount included a payment of {$79.00} to the loan I paid off on XXXX. Frustrated, I made a final payment on XX/XX/XXXX of {$13000.00} to pay off the remaining balance on all of my loans. XXXX still has not paid me back the overpayment of {$79.00}, and has not updated my credit report since XXXX, so my loans still show a balance of over {$20000.00}. I've called XXXX, and their response was to say my payments were made in XXXX not XXXX ( untrue ) and I needed to wait 30 days. When I told them it had already been 30 business days since the date they said I made my payments ( XX/XX/XXXX ), the rep basically said I just needed to wait. 

On XX/XX/XXXX, I submitted a complaint on studentaid.gov and have not received a response or notification that my complaint is being investigated. 

On XX/XX/XXXX, my transunion report changed to show that I owe XXXX {$79.00}. The other agencies are not showing an update. 

On XX/XX/XXXX, I filed a dispute with Experian and XXXX. XXXX verified a balance of over {$20000.00} with Experian almost immediately, and my dispute was denied despite the fact that I uploaded documents from XXXX stating my accounts were paid. My credit report now states that I'm in good standing, but my balance is the same as it was in XXXX of 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 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I utilised a Bank of America ATM as a non-bank customer. I attempted the withdrawal three times, at which the third time the machine pretended to count cash but did not dispense. 

I filed a dispute with my bank ( XXXX ), to which BOA responded that the atm was dispensed properly. A second level reconsideration was filed to BOA, at which time they upheld the denial. 

Transaction XX/XX/year> Time : XXXX Terminal Id : XXXX {$60.00}

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 2024-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
They have contacted me numerous times. The first time I advised them to send verification of debt to the address they have on file and not to contact me again until I receive this. I was told they werent going to send me anything without me fully verifying my information which I shouldnt have to do if they are calling me. She hung up on me. I got another call same thing and hung up on. And I have been receiving calls since which is harassment since they wont send me what I need. Got another call XX/XX/2024 this time I verified my name but she wouldnt give me any information and just said its a business matter so I told her I need verification sent to address on file. She said not until you verify your address and I said no send to address on file and she hung up. I dont want to keep getting harassed when they are refusing to give me what I need. I dont even know whats it for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject : Dispute and Request for Validation of Debt under 15 U.S.C. 1681 and Fair Credit Reporting Act I sent them this.

I am writing to formally dispute the accuracy of the information associated with the debt listed under my name and to request validation of this debt as stipulated by 15 U.S.C. 1681 under the Fair Credit Reporting Act. 

On [ insert date you originally sent the letter ], I sent your office a letter requesting validation of the debt, including a detailed payment history and a copy of the signed contract which purportedly obligates me to pay this debt. To date, I have not received satisfactory proof or validation of the said debt. 

As mandated by federal law, specifically 15 U.S. Code 1682 and 15 U.S.C. 1681, your agency is required to accurately and fairly validate the information before continuing to report such debt to any and all credit reporting agencies.

Please provide me with the following : 1. A copy of the signed contract that legally binds me to pay the debt. 
2. A complete payment history on the account, starting from the date the debt was incurred, detailing all payments made and charges assessed.

3. Any additional documentation or evidence that substantiates the validity of the debt.

Until these requirements are satisfied, I request that this item be removed from my credit report, as reporting inaccurate or unvalidated information is a violation of the Fair Credit Reporting Act.

I expect your diligent cooperation and response to this matter within the 30-day time frame set forth by the Fair Credit Reporting Act. Failure to comply may result in legal action including, but not limited to, a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate state or federal agencies. 

Thank you for your urgent attention to this matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NC

Complaint narrative:
Good day. Recently, I saw " hard inquiries '' that I did not fulfill. I ask you to remove 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 2024-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I had a contract and XXXX the car dealer I bought the car from stated if you wreck your car gap will pay if off you wont owe anything I unfortunately wrecked and I did my part I turned my info in and they are saying I owe money still. Also my contract for months said null and null means contract wasnt valid so if my contract wasnt valid why was I paying it? Every month

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 2024-07-11 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: VA

Complaint narrative:
A bunch of unauthorized fraudulent inquires have been placed on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A bunch of unauthorized fraudulent inquires have been placed on my 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