vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 that are reported 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. 


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 2024-07-18 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: Betterment LLC
State: MA

Complaint narrative:
I am writing to formally lodge a complaint regarding a series of mishandled transactions and lack of resolution on my Betterment checking account. The details of my concerns are as follows : On XX/XX/year>, I received an email abruptly terminating my client agreement with Betterment, citing that your platform and services were deemed not suitable for my needs. At that time, my account balance was XXXX XXXXXXXX, on XX/XX/year>, I received a request to upload a valid U.S. government-issued photo ID due to the large dollar amount in my account. I complied promptly.On XX/XX/year>, I was informed via email that XXXX had determined deposits from XXXX into my account were fraudulent and were being recalled by the card processor. Consequently, my account was locked to prevent a negative balance until the funds were recalled.Despite my assurance and evidence that the transactions with XXXX were XXXX had booked and subsequently canceled ticketsthe account remained locked.On XX/XX/year>, I discovered a debit transaction dated XX/XX/year>, labeled " XXXX XXXX XXXX XXXX, Debit to offset Issuer Dispute XXXX Returns '' with a withdrawal of {$15000.00}. This transaction occurred without my authorization or notification, further exacerbating the situation.Despite numerous attempts to seek clarification and resolution from Betterment, including providing evidence from XXXX confirming the legitimacy of the transactions, I have received no satisfactory response or action.In a statement XXXX bank responded to FDIC complaint XXXX, the bank stated that " all the remainningrefunds in you account at the time of closure have been issued back to XXXX due to the dispute processed through Visa ''. However, in another statement betterment responded to XXXX complaint XXXX, XXXX stated that " on XX/XX/year>, out partner bank XXXX sent XXXX a letter confirming that the funds previously held in you account were returned to you via check through the dispute filed by XXXX via XXXX. XXXX and betterment has contradictaryconclusion on the same issue. XXXX stated that the money returned to XXXX and the other one stated that the money returned to myself via check. I do not receive any refund from XXXX or XXXX or XXXX for the resolution. Further, neither XXXX nor XXXX 's statemtnsalign with the record in the chekcingstatement, which stated the money was transferred to the so-call " internal to program reserve ''. I have requested many times for the proof of the money, which has been transferred to XXXX in their statement, betterment never provided that kind of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: NC

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XXXX XXXX our checking account was fraud, the amt of {$2800.00} was withdrawn by XXXX XXXX. This was not authorized by us. I called US Bank, was transferred to the fraud unit. Checking acct was closed along with our credit cards. New checking acct opened along with new credit cards issued. On XX/XX/XXXX XXXX of the new cards was frozen due to someone calling & trying to get a new card. This was denied. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XXXX changes were made on our online banking accts, we didnt make any of these changes. Finally on XXXX we were cleared to set up online banking again. Forward to XXXX while checking our accts there was a withdrawal for {$930.00} to XXXX. I notified our branch bank to investigate. On XX/XX/XXXX our checking acct was completely emptied of {$19000.00} to XXXX Us we did not authorize either of these! Contacted the fraud unit on XX/XX/XXXX. Information was given, many questions asked which I answered, our checking acct was frozen! We were told to go to the branch office to set up a new checking acct. which we did! Weve done everything asked of us during this entire ordeal to protect our account and shocked when opening the account on XX/XX/XXXX and horrified on XX/XX/XXXX to find the acct empty!

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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is an update to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Received a phone call from American Express XXXX XXXX @ XXXX on XXXX. She stated that I was still responsible for payment even though USPS told me there was no investigation. She said they can re open dispute if USPS responds to me. I clearly stated that I am NOT the shipper and there claim form clearly shows you need the original mailing receipt. Copies of my attempt to get information and requirements are attached. This does not make any sense when the shipper stated he would let me know any results of the USPS investigation and never did so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX-Credit card charge off this Account is older then 7 years and wrong amount owed.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reviewed my credit profile collections that I have no given written instructions to 3rd parties to report to my file. According to the FCRA this is in violation of 15 USC 1681b- Permissible Purpose. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNTS TO REMOVED IN TWO BUSINESS DAYS - 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 2024-07-18 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: GA

Complaint narrative:
I have reviewed my credit profile collections that I have no given written instructions to 3rd parties to report to my file. According to the FCRA this is in violation of 15 USC 1681b- Permissible Purpose. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNTS TO REMOVED IN TWO BUSINESS DAYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
DEPTARTMENT OF EDUCATIONXXXX ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY PRESIDENT JOE BIDEN . NOT MINES

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 2024-07-18 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: FL

Complaint narrative:
DEPTARTMENT OF EDUCATIONXXXX ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY PRESIDENT JOE BIDEN . NOT MINES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: FL

Complaint narrative:
DEPTARTMENT OF EDUCATIONXXXX ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY XXXX XXXX XXXX XXXX NOT MINES

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 2024-07-18 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: NJ

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
I know that I have the right to a fair and accurate credit report. I have recently obtained a copy of all 3 of my credit reports and have discovered that there are items that I do not recognize on all 3 reports. I have tried to contact and retrieve validation of the unauthorized and suspected fraudulent accounts/debts and inquiries on all 3 of my credit reports directly from the creditors or debt collectors but have had little success. I have tried several rounds of disputing these accounts and inquiries with all 3 credit bureaus but keep getting stall letters from the credit bureaus or letters that say that the debt has been verified, but there is no further elaboration of how these debts and fraudulent accounts and inquiries were validated. I need your help! This is effecting every aspect of my life and I need these fraudulent accounts and inquiries removed immediately. I have a copy of the fraud 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 2024-07-18 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX FCRA Laws Dear ALLY FINCL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws applicable in XXXX XXXX XXXX XXXX 

It has unequivocally come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Maryland state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX 's identity fraud laws underscore the severity of unauthorized access and misuse of personal information, adding another layer of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for ALLY FINCL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ALLY FINCL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ALLY FINCL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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 : Request for Immediate Removal of Unauthorized Inquiries Hi, I noticed some unauthorized inquiries on my credit report and, in accordance with the Fair Credit Reporting Act ( FCRA ), I request that they be removed immediately. 

The inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SERVICE - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent, and as such, they are not valid. Under the FCRA, only authorized inquiries with my explicit permission should appear on my credit report. 

Please investigate and remove these unauthorized inquiries from my credit report promptly. Additionally, I request that you provide me with written confirmation once these inquiries have been removed. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX late payment, payment has never been late XXXX {$1300.00} XX/XX/XXXX not my account XXXX XX/XX/XXXX {$1900.00} not my 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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Loans started in XXXX I was told I got grants that did not need to be paid back, which I later found out the max amount was being taken out. It was reported for the first time that I had dropped out of XXXX in XXXXXXXX XXXX XXXXXXXX despite me not taking any breaks or dropping out. This put me into automatic repayment for the first time. Then again in XXXXXXXX XXXX XXXX  it was reported again that I had dropped below the requirements and I needed deferments even though I was still in school and shouldnt have been charged. My classes were then messed up which pushed my graduation date back by XXXX weeks. The school said they would pay for a few classes and no financial aid was needed past those classes because it was covered through my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Red River Credit Corporation
State: OK

Complaint narrative:
Committed to make a payment on the next pay period ; but in the interim the company contacts me everyday. In addition, the company representative has asked me to come into the office ; but I asked where does my contract require an office visit. 

I continue to receive repetitious harassing/annoying phone calls start at XXXXXXXX XXXX  and throughout the day using various phone numbers.

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