vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: FL

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 2024-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am using Toyota for the last XXXX years, and he has never ever had late payments I even paid earlier the full balance of my finances now I want to apply for a lease and finance from two Toyota dealers Toyota denied me even if I have very good credit XXXX I asked them why it says red flag they're not providing any more information that's 100 percent discrimination that's 100 % hate after being all the years such a good customer doing this I need a phone call explaining exactly what's the red flag and how I could take it down because all other banks are approving me for a car lease including XXXX XXXX XXXX XXXX and all other banks so the problem is not with a credit something in Toyota please accept me for a loan as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
XX/XX/year> XXXX XXXX sent me a letter stating they would update the reporting ( after I wrote them telling them the reporting was invalid ) they updated with XXXX. The others are STILL inaccurately reportingXXXX I sent the bureaus the information XXXX XXXX provided PROVING there should be an update. USPS Certified Mail Number : XXXX. This reporting is a direct violation of my rights and is causing undue financial hardship

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
XX/XX/year> First Progress sent me a letter stating they would update the reporting ( after I wrote them telling them the reporting was invalid ) they updated with XXXX. The others are STILL inaccurately reporting.XXXX I sent the bureaus the information first progress provided PROVING there should be an update. USPS Certified Mail Number : XXXX. This reporting is a direct violation of my rights and is causing undue financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
Pulte Mortgage uses an unreasonable amount of pressure and financial penalties to ensure that you use them when buying a Pulte Home. They delay, delay, delay and come back with numerous " final offers '' and " best offers '' only to continue to add delays to the timeline as you shop for alternative lenders and competitive rates. Then, if you do not choose them as the lender, the builder ads fees for delaying close despite the reason for the delay being their own preferred lender making it all but impossible to get a truly competitive alternative to using their own in-house lender. They are dishonest, unclear about the impacts to you as the buyer, call and verbally pressure to use their products only, and then add fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I took out this loan almost 3 years ago and they are telling me that only {$600.00} went to the principal balance. I borrowed {$3700.00} and paid them loan fees on top of that and they have been taking out {$99.00} a month and I have paid back {$3000.00} and they have only put {$600.00} towards the principall and telling me I have 5 years to go!! this is not fair and feels like predatory lending at it's finest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-26 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: NJ

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-06-26 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: NY

Complaint narrative:
My account with 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 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 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 non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
debt validation requested never received anything from the company till I sent a letter to credit bureaus. the company has no license to collect in the state of Texas was canceled years ago making this collection attempt illegal delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As I was reviewing my credit profile there was some inquiries that are not mine.

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 2024-06-26 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: FL

Complaint narrative:
My account with ( 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 in ( MONTHS REPORTING 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, ) 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 non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management continues to report three collection accounts on my credit report. Despite my request for Midland to validate the inaccuracies, they have failed to do so. Additionally, I have contacted Midlands Compliance Officer to validate these accounts but have not received any updates. Furthermore, Midland did not offer me the opportunity to resolve the debt before reporting it to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAND HOME FINANCIAL SERVICES
State: OR

Complaint narrative:
It is obvious that Land Home Financial Services has no intent of approving our VA assumption loan at a 2.75 % interest rate. I understand it is not in their financial best interest. However, when you agree to provide VA loans, you agree to provide all VA loans, you can not pick and choose which loans you will approve. This lender has kept us in the dark as they worked behind the scenes to disapprove our loan. Not once was I contacted by a loan officer. The only person I had contact with was an executive assistant named XXXX XXXX who was relaying messages from the underwriter. On the XXXX of XXXX I sent another email requesting information about the status of our loan. Only then did I get an email from the assumptions department telling me the loan had been submitted to the VA. I then had to ask them specifically if the loan had been approved or denied for them to tell me " I think it was a denial ''. I contacted the VA who said the appeal had been denied. I never submitted an appeal so I am not sure how it could have been denied. Apparently a XXXX XXXX ( XXXX, XXXX ) from Land Home Financial Services sent a message to the VA stating that the appeal had been denied. This company is misrepresenting me and the information they provided to the VA is not true. I am currently waiting on a call back from the VA case officer for our loan.

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 2024-06-26 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: CA

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 2024-06-26 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: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-26 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: MI

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 non-monetary relief
Consumer complaint received 2024-06-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi failed to declined a charge on my credit card in which I disputed less than 24 hours from the charge date/time and while it's still in pending status, Citi fail to handle this issue as a result of relaying on automated systems and/or AI rather than a human review of the disputed charge when first reported, and now Citi reporting the charge to credit reporting services as a late and/or unpaid payments, and I keep getting alert from XXXX that there is late unpaid payment reported by Citi.

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 2024-06-26 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: NJ

Complaint narrative:
I have unfortunately become a victim of identity theft. In XX/XX/XXXX, I uncovered several accounts opened in my name without my knowledge or consent. Despite my efforts to dispute these fraudulent accounts with the Consumer Agencies, the issue remained unresolved, leading me to file an Identity Theft Police Report in XX/XX/XXXX. Through diligent follow-up, I successfully removed most of the fraudulent accounts. However, TransUnion still lists the following accounts on my Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX. I would like to bring to your attention that TransUnion is currently in violation of multiple provisions under the Fair Credit Reporting Act, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C . 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) I demand that you immediately initiate an investigation into my dispute and delete this erroneous information within four business days of receiving this notice, as required by the Fair Credit Reporting Act under 15 USC 1681c-2. Your failure to comply with this request will leave me with no alternative but to pursue legal action to protect my credit rating and personal interests. Keep in mind that each violation of the FCRA is subject to damages of up to {$1000.00} should this matter escalate to court. 
This situation has not only caused me immense emotional distress but has also severely affected my mental well-being. As a result, I am left with no choice but to escalate this issue and insist upon a swift and equitable resolution.

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 2024-06-26 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: FL

Complaint narrative:
I have forwarded and opened a compliant regarding XXXX XXXX with the credit bureaus. Here is my statement. 

I have no financial relationship or obligation with XXXX XXXX. The fact that they have submitted this information to my credit report is in violation of the following. Under the Fair Debt Collection Practices Act. 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- I did not provide any written authorization for XXXX XXXX to contact 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