vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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 the company and i 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 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.

This company 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 2024-06-17 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: IL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-17 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-06-17 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-17 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: OK

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 on those accounts 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. 


MILITARY STAR, NAVY FEDERAL CU 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 2024-06-17 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am writing to address the recent communication regarding my XXXX XXXX XXXX  purchase and loan approval Last month, I made the decision to purchase the XXXX XXXX based on XXXX attractive 0.99 % XXXX offer. I promptly submitted all the necessary documents, and on XX/XX/XXXX, Tesla reviewed and approved my loan at the specified interest rate. 

I took delivery of the vehicle on XX/XX/year>, and everything seemed to be proceeding smoothly. However, on XX/XX/XXXX, I received an email from XXXX requesting additional documentation, including my Social Security Number ( SSN ) and green card. 

As an XXXX visa holder, I clarified that I do not yet possess a green card. Despite this, I diligently provided my original SSN card as requested by XXXX. Furthermore, I visited the XXXX XXXX XXXX in person on XX/XX/XXXX, where I submitted all necessary paperwork, including proof of my visa status ( XXXX approval notice ). 

To my surprise, when I followed up with XXXX XXXX XXXX ( Fundingresolution ) today, he informed me that the lender, XXXX XXXX XXXX, is unable to proceed with my loan due to the lack of a permanent residence card and the loan is not approved locally and that the APR has been increased to 8.68 %. This is unacceptable. 

Here are my pressing questions : Why was my application approved for a 0.99 % APR on XX/XX/XXXX? 
Why wasn't there any issue with my loan being communicated to me before the vehicle delivery? 
Why wasn't it disclosed that the 0.99 % APR was available only for XXXX citizens and XXXX card holders? 

I find it fraudulent to offer a 0.99 % APR, approve it, and then change it to 8.68 % after a month of delivery. Tesla should take back the vehicle if this is the case, as I agreed to the purchase based on the 0.99 % APR offer. 

I have done everything correctly to secure the 0.99 % APR, including providing all required documents. Considering I have a significant home mortgage approved, it is perplexing why Tesla is rejecting a $ XXXX car loan. 

Please review the attached email chain from the past month with XXXX. I provided all requested documents and followed up today, only to learn that my 0.99 % APR was rejected after the vehicle 's delivery. 

Is Tesla intentionally committing this fraud? Why was my 0.99 % APR approved initially? Why was I not informed of any loan issues before the vehicle delivery? Why was it not disclosed that the 0.99 % APR is limited to XXXX citizens and XXXX card holders? 

Attached document which shows lender approved XXXX APR for XXXX month before purchasing this vehicle. 

I await your prompt and satisfactory response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Porfolio Recovery Associates LLC is trying to renew/revive a disputed debt from 2013 that was already contested through the Massachusetts Attorney General 's Office in sometime between XXXX. The AG 's office resolved this issue as I was able to prove that I did not owe this debt. The matter was resolve and all my documentation to prove this is now shredded and disposed as it is over XXXX years ago. Since I didn't owe this money and resolved the matter with our AG 's office, I have not sent money, nor contacted this company. They are illegally trying to revive this contested matter and I am seeking the help of the federal government to step in and enforce the law. I have also filed another complaint with my state AG 's office again today regarding this. The statute in MA is 6 years. This is back on my credit report and it's past the XXXX year federal statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit 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 non-monetary relief
Consumer complaint received 2024-06-17 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: U.S. BANCORP
State: AZ

Complaint narrative:
This concerns the persistent failure by XXXX XXXX XXXX to impartially resolve disputes XXXX and XXXX with XXXX  XXXX in compliance with Visa Rules : XXXX. As such, a card issuer is obligated to provide Cardholder all protections in compliance with applicable Visa Rules, laws and regulations. Therefore, the card issuer is responsible for acceptable due diligent reviews of disputes in accordance with Visa Rules and the Fair Credit Banking Act of XXXX [ 15 USC 1666 ] From this context, XXXX anonymously assigned professional case investigator noticeably failed to investigate [ review ] and execute fundamentally applicable Visa Rules for resolution of disputes XXXX and XXXX regarding XXXX XXXX. In this instance, Elans witting inaction allowed XXXX XXXX to function outside of the Fair Credit Banking Act and standard Visa Rule regulations with impunity as follows : [ 1 ] Willful failure to execute Visa Rule : 11.10.2.2 concerning improperly cancelled dispute XXXX, [ XXXX ] Willful failure to enforce Visa Rule : XXXX concerning recently and improperly cancelled dispute XXXX [ XXXX/XXXX/0224 ], [ XXXX ] Willful failure to return phone calls within XXXX to XXXX business hours in support of enhanced customer protocol pursuant Visa Rule : 11.1.2 and [ 4 ] Remiss dispute Provisional Credit reversals prior to due diligent review or research between the Merchant and Cardholder as required by Visa Rule : XXXX, etc.! 

Still in this regard, XXXX seemingly willful negligence on behalf of XXXX  was chronicled in a real time narration statement of Fact for further detail.

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 monetary relief
Consumer complaint received 2024-06-17 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: TX

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

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

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

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

Company 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 2024-06-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: DE

Complaint narrative:
Level One Law did not provide services as promised. Paying monthly for a year a total {$12000.00}, I was charged XXXX in fees and they settled with only 1 of my creditor for {$1100.00}. I am hoping to get the funds in holding. I lost XXXX to this company. They are difficult to reach and I understand the company is currently under litigation.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMEX allowed a fraudster to open an account in my name without my knowledge or authorization. Although I have AMEX credit cards, and AMEX has my address and phone number, I never received any notification of the new account. The savings account that was fraudulently opened had an address that I've never been associated with. Furthermore, AMEX allowed my existing XXXX XXXX account to be LINKED TO this new fraudulent AMEX account and for {$4500.00} in funds to be PULLED via ACH into this new account without my authorization. This linking happened WITHOUT any PLAID system verification and WITHOUT any micro deposits being placed into my chase account to verify ownership. This is a colossal security failure on the part of AMEX. When I finally discovered this fraud, AMEX shut down the fraudulent account and is now holding MY money hostage. I'm being made to jump through hoops to recover my funds. XXXX XXXX has closed my fraud claims insisting that based SOLELY on the name of AMEX account matching my chase bank account name, they do not consider it a fraudulent transaction. I've appealed this multiple times to no avail. With XXXX being uncooperative, I have been given no XXXX XXXX from AMEX besides simply being told to go back to XXXX and ask XXXX to request a recall. XXXX has told me they've finally requested a recall but AMEX claims they've received no such request. Im stuck between the two bank pointing fingers at each other. I need someone on the AMEX side to return the funds back to XXXX originating account. I have never signed any terms or conditions from AMEX agreeing to this broken process that holds my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
CO 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 non-monetary relief