vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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 all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 the months that I was 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.

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 2024-06-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the infoermation is foubd to be inaccurate or incomplete or can not ber verified, the consumer reporeting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropiuate based on the results of the reinvestigation; and ( ii ) promptly noyify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items freom my credit report, immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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:
Recently i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the infoermation is foubd to be inaccurate or incomplete or can not ber verified, the consumer reporeting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropiuate based on the results of the reinvestigation; and ( ii ) promptly noyify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items freom my credit report, immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 ge
neral if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the infoermation is foubd to be inaccurate or incomplete or can not ber verified, the consumer reporeting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropiuate based on the results of the reinvestigation; and ( ii ) promptly noyify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items freom my credit report, immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX, XXXX and XXXX have been given me a hard time removing inaccurate information on my consumer reports i have send in notary documents and handwritten letters upon their request and in return no action taken place I am writing asking can you please look into this matter asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Back in XXXX, GM Financial overcharged my account, causing me to be over drawn the entire month. Part of the agreement was not only for them to provide assistance, but that I would not be locked out of the system again and only being called by a person after work. They continued to call me and called so many times in one day, that I lost my job in XXXX. Not only that, I have been locked out the system so I can not make payments. This is exactly against our agreement and at this time, they need to dismiss my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-06 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: TX

Complaint narrative:
I disputed the account two times no information or verification was given only a email was sent

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 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my second time... 
I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX  # XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2024 I was charged what I believe to be an excessive past due fee by Capital One. I had made the majority of the required payment on XX/XX/XXXX ( well ahead of the due date of XX/XX/XXXX ). When I went to make the smaller final portion of the payment on the due date, ostensibly because the payment was after their XXXX XXXX cut-off time yet on the same due date, Capital One processed the payment for the next day and issued a late charge of {$39.00}. 

I called customer service on XX/XX/XXXX when made aware of this, and they stated that they could not assist me in removing this charge. I feel that the XXXX processing time on the same date that the payment was made was arbitrary and capricious. The supervisor pointed out that XXXX XXXX XXXX XXXX cut-off is XXXX. I responded that I do not bank with XXXX Also, XXXX is not particularly a paragon for good consumer behavior in light of recent events and government action against the bank. The supervisor also pointed out that the fee is being reduced to XXXX XXXX sometime in the future. I responded that this was due to government action ( thank you CFPB ) and not on the part of Capital One Bank. She told me that the bank is a corporation and has every right to make a profit. 

Excessive fees such as this are a strain on the public and are an unnecessary way of increasing profits at the expense of the consumer. This quite large fee to cover a partial amount due and missed by only a few hours on the same date is unfair and excessive. Moreover, the bank 's response to the requests was belittling and obfuscating. 

Thank for for you attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A collection agency, XXXX systems, has placed a collection on my credit report. I have requested validation of the debt and they have not provided sufficeint information in regards to the debt that explains what the charges are. I have disputed it with the company and have received a letter from them stating they would stop further collection activity. As of today, the account is still on my credit report as a collection. I disputed this with Experian and provided the letter stating they no further collection activity and Experian still will not remove it from my credit report. Experian instead verified the collection as accurate and closed the dispute. The letter is attached

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
I am rewriting the complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-06-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint About Truist Bank Overdraft Fees To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/year> Regarding : Truist Bank Overdraft Fees Account Information : Truist Bank Account XXXX : Checking XXXX & Checking XXXX Complaint : Dear Consumer Financial Protection Bureau, I am writing to formally complain about the overdraft fees that have been applied to my account by Truist Bank. Over the past few months, I have incurred several overdraft fees that I believe are unjustified. Below are the specific instances of the overdraft fees in question : - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee These fees have caused significant financial strain, and I am struggling to understand why they were applied to my account. I have always endeavored to maintain sufficient funds in my account, and these charges seem excessive and unfair. 

I have contacted Truist Banks customer service department to dispute these charges and seek clarification on their overdraft policies. However, their responses have been unsatisfactory, and I have not received a resolution to my concerns. 

I request that the CFPB investigates Truist Banks overdraft fee practices, specifically how these fees are applied and whether they comply with federal regulations. Additionally, I would like to request a review of my account and a refund of the overdraft fees that have been unjustly charged. 

I believe that these fees are indicative of broader issues with Truist Banks overdraft policies, which may be impacting other consumers as well. Your assistance in resolving this matter and preventing similar issues in the future would be greatly appreciated. 

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

Sincerely, 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 2024-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: PENTAGON FEDERAL CREDIT UNION
State: RI

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX. This school has been part of multiple lawsuits both for defrauding its students and for a predatory lending scheme in conjunction with XXXX. The XXXX XXXX XXXX  lawsuit, as well as other lawsuits have all ruled in favor of discharging debt associated with both XXXX and XXXX XXXX. In addition to the loan associated with XXXX XXXX, XXXX also pushed me into a private variable loan for XXXX XXXX XXXX XXXX at an incredibly high rate. For the loans that I have with the Federal Government, I filed a Borrower 's Defense Application and was approved and it is currently in Pending Discharge Status. I have attached a screenshot of that for your review. I would like the CFPB to work with Pen Fed Credit Union to discharge this debt as it has already been awarded to others in the lawsuits who literally stopped paying their loans and kept them with XXXX. I worked hard to keep these loans current and get myself out of the loans with variable, high interest rates out of respect for my mother who cosigned with me. Please afford me the rights granted to others in the lawsuit.

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 2024-06-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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

Complaint narrative:
I filed a dispute on my account with TransUnion informing them that the XXXX XXXX XXXX account was derived from a fraudulent Contract. Yet they still allowed XXXX to continue to report this Account as accurate and correct. XXXX was well aware of the facts that me and my wife signature was forged on numerous documents including the contract in whole. Yet Transunion continues to allow them to report a fraudulent account and XXXX XXXX XXXX is well aware of the facts and also has the forged documents in their possession and knowingly mislead TransUnion and for transUnion to continue to allow XXXX to report an Account that is created from fraud and Identity Theft is in it's self being a party to fraud and 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 2024-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I received a piece of postal mail saying that I owed an amount to XXXX XXXX XXXX that was now in collections. 

I emailed them to dispute this. They said they could either mail me proof or email it to me. I opted for email so that we could take care of it as quickly as possible. However, the form that was sent to me would have made me responsible for this debt just by signing it. I refused to enter into any agreement with them. 

They said that they would contact the original debtor and let me know of the results. I have not heard back from them, but I did notice that a collection has been added to my credit report today.

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