vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: MO

Complaint narrative:
I was stunned to see incorrect accounts listed on my credit report this afternoon, and Im at a loss as to how they appeared. I review my credit report regularly, but this time there were unexpected discrepancies. Thinking it was a technical issue, I refreshed my browser, but nothing changed. The inaccurate information stayed right where it was. I urge that the documents Ive provided be carefully reviewed so I can finally stop worrying about 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 explanation
Consumer complaint received 2024-09-06 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: NY

Complaint narrative:
I have a chime bank credit builder card, it is being reported as having a balance to the credit bureaus. The only money on that account is money I put there. This made my credit score take a XXXX point drop out of nowhere completely blindsiding me while trying to make a vehicle purchase. This information is incorrect and has cost me hours of my time and many more of frustration and stress. This incorrect reporting, especially on something advertised as a safe way to help build credit scores, is a violation of my rights under the Fair Credit Reporting Act and it needs to be fixed now. Now I have to wait up to 30 days for it to be fixed as I filed a dispute with TransUnion earlier this evening. Their customer service shuffled me around from person to person before asking to file a dispute, which I was then not able to do on their website due to a nondescript error and was recommended I mail or try by phone in this technological age its hard not to feel brushed aside while the credit bureaus play with my life like puppeteers. I asked myself what can I even do? The new American dream work your life away while we assign arbitrary numbers intended to keep the poor people poor making it impossible to get financing for lifes basic needs that are ridiculously overpriced to start with. Throwing on XXXX % on borderline predatory loans and credit cards taking advantage of people who have no other options. I am disgusted and theres no where to turn. Its just sad, this isnt the XXXX my grandfather fought for.

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 2024-09-06 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 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I send supporting documents because am a victim of XXXX XXXX and send all documents to verified my disputed .i was told by Experian that my documents was not authentic and all negative accounts will remain on my credit profile .i send even laws to back up my dispute and was still denied.

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 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC
State: MA

Complaint narrative:
I have an account with RIA Money Transfer while ago to send money to XXXX for my family members and friends who are in the hard financial situation. 
They use this money to buy groceries and pay tuition for their kids.Two weeks ago I tried to send to send money for one of my brother and the account is closed, I called them to have an explanation they said there is no explanation to provide me. 
I feel there is an abuse of power and my right as customer is violated and my family members are suffering. 
I dont mind they close the account if I violate their rules but Im not aware of doing anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: CORELOGIC INC
State: MI

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've had several XXXX XXXX attempts to open lines of credit. I have not attempted to open a credit card with this card company because I already have 2 accounts with them and I've received notices about my information being compromised in the XXXX XXXX breach I've tried to dispute these hard inquiries with no resolve. I have not tried to open more accounts this is absurd and it is ruining my credit score I have a goal to purchase a home these constant hard inquiries are hurting me and it doesn't make sense to keep making them with the same company I have an account with.

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an XXXX XXXX XXXX and sometimes need to ask folks to speak slow and clear so I can understand. On four separate occasions between XXXXXX/XX/year> and XX/XX/scrub>XXXX XXXX in the fraud department at Citibank utterly disregarded this request. It made our interactions incredibly difficult, and she was not pleased to be asked to repeat herself. She gave me a lot of misinformation that was corrected by other customers service folks. 

After successfully clearing up the fraud issue, XXXX made a mistake that resulted in all of my accounts being blocked and inaccessible. My husbands card ( which had no fraud ) was also blocked. When looking it over with other members of the fraud team, I was told that this is highly a highly unusual action. appears this was done out of retaliation or annoyance. I happened to get XXXX again when I called to get this fixed. 

Per Citi policy, no one can talk about your card issues but you Even if you share an account with someone, This is for privacy reasons. XXXX disregarded all of that too, and talked at length about my husbands card with me. Thats a big NO NO! XXXX was fixing her mistake/error. Polices dont matter when its XXXX, I guess? 

All of that was going on while I was traveling, and had little access to funds. All because XXXX cant hear very well, and had to keep asking for some reasonable accommodations. Ive been a Citi client for XXXX  years, even worked for them for several. I am done 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 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Im reaching out because Im facing some serious issues with my credit due to this collection account. I never agreed to or signed any contract for this account. For a contract to be valid, both parties need to sign it, and I have not been part of any such agreement. Additionally, the collection company didnt follow the proper 5-step validation process required by law. 

According to the FDCPA, Im entitled to compensation for these violations. Its clear that my rights have been ignored, and this has been really damaging to me personally. Im asking for this account to be removed from my credit report immediately. If this isnt resolved, Ill have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-06 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: CarMax, Inc.
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' Carmax Auto Finance ( CAF ) qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' Carmax Auto Finance the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' Carmax Auto finance, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$2400.00}

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 non-monetary relief
Consumer complaint received 2024-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX $ XXXX XX/XX/XXXX under the account number ( private ), an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX {$11000.00} under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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