vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-21 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: OH

Complaint narrative:
This account has already been disputed with CFPB however it was sold to a collection company called ZIONS DEBT HOLDINGS. The previous company was XXXX, which is the dispute held on file with CFPB. The original account holder was XXXX XXXXXXXX. Several times in XXXX I tried to cancel it and they would not let me. XXXX  in XXXX under XXXX, I called and wrote letters to cancel it several times.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
On XX/XX/year>, my vehicle was in a no fault accident -- the car went off the road in a snow storm. It was deemed a total loss on or about XX/XX/year>. On XX/XX/year>, Chrysler Capital requested a copy of the paper title of the electronic title from the State of Maryland. To date, that title has not been produced. Chrysler Capital will not issue a Letter of Guarantee to the insurer until it receives a paper title. As of today, Chrysler Capital had no update from its third-party vendor ( XXXX ) as to the status of the title or when it would be issued. In the interim, we are still charged, and have paid out of pocket {$280.00} per month as a lease payment, so that an adverse entry is not made on my credit report. Chrysler has assured us that those funds will be repaid once the paper title is received and the letter of guarantee issues, but would not provide any estimate of when that would happen or how long we would have to continue to make lease payments on the vehicle. Nor would Chrysler provide any information about steps we could take to address the situation with the State of Maryland. At the same time, because the vehicle was a total loss, I have to finance another vehicle. I am essentially financing two vehicles instead of one as the result of a no fault accident. Customers who enter into lease agreements with Chrysler Capital should be aware that the company will not aggressively take steps to close out the lease in the event of collision or accident, and consider this fact when doing business with them as a vehicle lessor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My account with 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
This an account that im an authorized user on, im not responsbile for the debt. Im asking for a removal of the account from my credit report. 

XXXX  acct # XXXX {$880.00}

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 2024-06-21 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: MD

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-06-21 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: MN

Complaint narrative:
Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXXXXXX 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 2024-06-21 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: MN

Complaint narrative:
Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: NC

Complaint narrative:
To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 



I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 



I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


Please send an updated credit report once the changes are complete to my contact information listed.My contact information is as follows : Name : XXXX XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, North Carolina 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 2024-06-21 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: AL

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 2024-06-21 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: NJ

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
Please see attached, my document of ongoing Dispute with Army and Air Force Exchange Service Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX Account No. 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 explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CADENCE BANK
State: AL

Complaint narrative:
Around XX/XX/XXXX, my bank account was compromised by a hacker. The hacker overdrew my accounts by roughly {$16000.00}.

I reported the issue on XX/XX/XXXX to my bank, Cadence. Cadence promptly locked my accounts and began an investigation. Online access to my accounts was suspended and the only way funds could be withdrawn was from a branch.

After the accounts were allegedly frozen, the hacker was able to overdraw another account by roughly {$9000.00}. Again, this activity occurred after the accounts should have been frozen.

While Cadence refunded the original {$16000.00}, Cadence Fraud Dept stated the subsequent activity that led to an additional {$9000.00} being removed was not fraud and that I was responsible.

The account with that was overdrawn by {$9000.00} originally had a balance of {$30.00} and should have been frozen like the other accounts.

Cadence took money from another account to cover the {$9000.00} Overdraft.

My complaint is two fold : - Cadence should not have allowed the account that had a balance of {$30.00} to be overdrawn by {$9000.00} when I notified them of fraudulent activity.

- Cadence Bank should not take money out of my accounts for fraudulent activity. This is especially egregious since there was a freeze was in place and they were aware of the account compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a letter for debt collection dated XX/XX/XXXX from American Coradius International LLC for an account in my name with my address for a balance of {$110.00} as of XX/XX/XXXX. 
I received this letter by mail on XX/XX/XXXX. 
Reference # on the letter : XXXX Creditor : XXXX, XXXX Account Number : XXXX However, I do not have a XXXX account. I have never had a XXXX account. 

XX/XX/XXXX I called XXXX customer support ( XXXX ) to report fraud and identity theft and requested that this account be closed. XXXX, the XXXX service provider asked to verify my e-mail address and last XXXX of my SSN. I declined to provide these as I did not want to give away further personal information. She told me she escalated this to her supervisor and that they would call me back today. I verified the number the supervisor would be calling back from and provided my cell # for call back. I did not receive a call back. 
I asked to know when the account had been opened and if it was opened with banking details. She declined to give me this information. She stated she would close the account. 

I have sent the letter back to American Coradius International LLC disputing the debt and asking for : Verification of Debt : I request that American Coradius International LLC provide verification of this debt, including details of the original creditor, the account number, and any supporting documentation that validates the debt 's existence and my obligation to pay it. and Cease Communication : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that all collection activities related to this alleged debt cease immediately until its validity is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-06-21 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation