vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-13 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 urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: NJ

Complaint narrative:
i received notice through a credit card that new derogatory information had been reported on my credit report from a company, XXXX XXXX. XXXX XXXX is trying to collect a debt I contested from my previous landlord. The landlord and I went to court over the matter on XXXX in XXXX XXXX, XXXX  Document # XXXX. The landlord agreed to drop the debt, and I dismissed my complaint against the landlord. 

I subsequently received the notification about my credit report. I immediately reached out to XXXX XXXX. The representatives on the phone were adamant in their refusal to hear about nor doing anything to correct the issue, and I've had little correspondence from them since I've called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/XXXX I elected to exercise an early buyout of my lease with Chase Auto ending XX/XX/XXXX and purchase another vehicle. Despite buying out the remaining payments on the lease at the time of purchasing a new vehicle from the same dealer, in XX/XX/XXXX Chase Auto later sent a bill for {$930.00} via hard copy mail for additional Early Termination fees. Despite having multiple accounts with Chase, Chase Auto sent this bill via physical mail to an incorrect address. Despite electing to only receive electronic statements, Chase Auto still sent a physical notice. Despite exercising an Early Termination in XX/XX/XXXX I was not made aware of the bill until the end of XX/XX/XXXX ( 2 months later ) after the bill for additional Early Termination Fees was sent once the bill was returned to sender and Chase Auto realized I have an updated address. Upon learning of the amounts due, I formally appealed an Early Termination fee for a Loyalty Disposition Waiver. Despite financing my new auto loan with Chase, Chase Auto also refused to waive the Disposition Fee. Chase Auto informed me that they were denying the appeal for the Disposition Fee in XX/XX/XXXX. Despite the bill being sent via physical mail to an incorrect address and awaiting a decision from Chase Auto regarding an appeal of the Disposition Fee, Chase Auto reported the amount as Past Due to credit reporting agencies. After contacting Chase Auto, they refused to acknowledge it was their responsibility to provide notice to the correct address or that I had elected electronic statements only. Despite sending a physical bill to the wrong address, Chase Auto refused to rescind the Past Due Notice to the credit reporting agency even after the payment was made in full. I strongly believe Chase Auto engaged in unfair business practices that have adversely impacted my credit score as a consumer due to no fault of my own. As a result, I am appealing the Past Due report with the credit agencies and am reporting Chase Auto as being engage in unfair business practices harmful to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-13 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
On XX/XX/year> I mailed out a letter requesting that this company provides proof of this alleged debt. I never signed a contract with this company and this debt is not mine. This is the only item on my credit report that is reflecting negatively. I have excellent credit and I have never been late on a payment with any company, nor have I ever had a debt go into collections. This is absolutely invalid and obsolete. This company failed to provide any proof of this debt and did not respond to my request for validation. They are continuing to report inaccurate and negative information on my credit report and violating my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: MS

Complaint narrative:
On XXXX the XXXX XXXX I received a notification through XXXX saying that my {$1500.00} secured card through XXXX XXXX is reporting that I owe them {$52000.00} which is 3,400 % over my utilization and 250 % collectively I called them and my account had unauthorized charge upwards of {$1800.00} my account was then credited on XXXX the XXXX for XXXX provisional credit On XX/XX/XXXX letter received XXXX was approved in my favor XXXX final balance XX/XX/XXXX I activated card with rep and released funds no later than XX/XX/XXXX it is now XX/XX/XXXX still holding funds and reporting wrong balance purposely from complaints that were made XXXX XXXX told me that since I was allegedly talking to her rudely she will make sure that notes are on my account that prevent me from using my card until after the next month statement and I will have to dispute the false information again they are aware of the false reporting I disputed info 3 times and it's still not the correct balance the entire staff does not read or make proper notes on accounts nor do they communicate properly with Customers or fellow employees And on XX/XX/XXXX payment was made from XXXX XXXX XXXX XXXX for XXXX from original card they attempted to hold funds for 8 days with no basis or reason I had to fax over my actual statements and give needed information just ti access my funds I am not the only customer that they do this to they hold people 's money just to gain interest off payments I have documents to prove claims also I was supposed to get a call from the case manager at least five or six times and they don't even have a complaint department or anybody that you can talk to to put a claim in or complaint nowhere at all so that gives them the ability to do whatever they feel with their clients or customers because if they don't leave a note of it it would not be known

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 2025-01-13 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: OH

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is XXXX industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Account #, date last active, Payment History, Past Due, Payment Status Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX I have attached a copy of my ID and billing statement for verification purposes.

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 2025-01-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Range View Management LLC
State: MO

Complaint narrative:
I have told the customer service agent who either hang up on me when I request them to remove me from their call list, or the customer service rep says they will removed my number but I get a call from them later on in the day. I have registered my work number with no call list, but I still received calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
all three of my credit bureaus attached to my Social Security number have been reported by Carmax Finance incorrect and inadequate information. The reporting of the Max deliquency date of my account was marked as XX/XX/XXXX, when in fact the max deliquency date shows in the year XXXX and not XX/XX/XXXX. This has caused me to be rejected by a lender and have also caused me an employment opportunity as well for my business. I have spoken to customer relations on today and in the past and nothing has been completed. The latest customer relations number is XXXX. Please call them at XXXX or you may reach out at XXXX. This company should be held reliable for accurate reporting and because they have violated this law on numerous occasions. I demander this to be look further into and demand relief for the unlawful heinous acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good morning, On XX/XX/XXXX - I unfroze my credit report with Equifax to find that I do not have a report with them that's accessible to lendors or myself. However, when I go in the back way to dispute information I see I do indeed have credit lines reporting but none have been updated since XX/XX/XXXX. I have called and emailed Equifax several times since this has happened and they state there is no issue on their end and have refused to do further investigation unless I send them my personal information via US mail. As they have recently had a data breach, I told them I would not send them this in an unsecured method and but would be happy to submit via secure email, fax or upload. The supervisor refused all three.

As of this morning they stated that my problem is resolved but it clearly isn't and I do not currently have an accurate version of my Equifax credit report that is viewable to me and up to date. This is impacting my ability to pre-qualify for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
Standard Mortgage Corporation reported the XX/XX/year> Mortgage payment as late. It was paid on XX/XX/year> ( to be processed on the same day ) and cleared my checking account on XX/XX/year>. This information is appearing inaccurately on XXXX for XXXX XXXX and XXXX for XXXX XXXX. Attempts to dispute with the bureaus were unsuccessful because both are stating the information was verified as " accurate ''. I contacted SMC personally and they refuse to update with the bureau. I have reached out to my loan office XXXX XXXX as well as the Customer Service Department, but none would correct the 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 explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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. 


TRANSUNION 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! 


Update 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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
So I recently filed a dispute with boa and I noticed with some banks that after you filing a dispute you get your credit within 24 hours or even 1-2 days and im noticing after I filed my 2 disputes I was told to wait 10 days which I dont understand because different banks wont have u waiting 10 days just to receive a temp credit and im also not waiting 10 days just for them to declined my dispute and not give me my temp 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