vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This afternoon, I noticed unauthorized inquiries on my credit report, which I can not explain. When I checked my credit report as usual, I was shocked to find discrepancies that hadnt been there before. I even refreshed my browser in case it was a glitch, but nothing changedthe unauthorized inquiries remained. I am extremely frustrated and need this issue resolved immediately by thoroughly reviewing the documents Ive sent so I can have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Unapproved hard inquiries have been added to my credit report. Please eliminate them in line with 15 USC 1681c-2.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My payment history doesnt align with late payments listed on my report. Please correct the mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
I purchased a home in XXXX XXXX XXXX  in XX/XX/2024. 
My home in XXXX XXXX  had not sold yet. 
XXXX XXXX XXXX told me that my home payments would initially be high, but that the Mortgage Company, Provident Financial, would re-cast the loan once I paid it down after selling my home in XXXX. 
My monthly payments are around XXXX XXXXmonth with Provident Financial. 
In XX/XX/2024 we sold the house in XXXX, which gave me {$400000.00} in cash to put towards my mortgage on my XXXX XXXX home, financed with Provident Financial. 

On XX/XX/2024 I called Provident Financial to inquire how to recast my loan. They instructed me to send a check for the amount that I wished to pay down to the principal, with a note that I wished to recast the loan. They also instructed me to pay a {$300.00} fee towards interest as a fee for the recast. I sent a check to Provident Financial for {$370000.00} to pay down my principal for the recast. Then I went online and made a {$300.00} payment towards interest for the recast fee. 

On XX/XX/2024 I wrote an email to Provident Financial to inquire about when the recast would happen. The response was exactly " Our recast department has been notified that you would like to proceed with a recast. They will draft your recast agreements that outline the new payment terms of your loan and once completed, these arrangements will be made available under the " Letters and Monthly Statements '' tab of your online account. Please print, wet-sign, both original documents to : Provident Financial XXXX XXXX' On XX/XX/XXXX I wrote Provident Financial again to inquire on the recast. They told me that the fee has been applied to the loan and that it is noted for recast once an investor is determined. 

On XX/XX/2024 I was called by Provident Financial and was instructed that " Unfortunately, the investor assigned to your loan does not allow recasts. '' Now I am forced to either re-finance with a new mortgage company or pay XXXX XXXXXXXX on my home loan. I can not afford to continue paying this high payment for my mortgage loan. At the onset I was informed that a re-cast would occur once an investor was assigned and I would be allowed to recast. 

I would not have purchased a loan with Provident Financial if I knew they would sell my loan to someone else who does not re-cast. It seems shady an underhanded that they would sell the loan less than 6-months old to a company who does not allow the same procedures as they do.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX AND 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 XXXX AND 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 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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX was taking from me and I called n tried to get it disputed and get my money back nobody was trying to help me I basically lost my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
I am disputing your claim based on the fact that I have no knowledge whatsoever of any incident, accident or transaction between myself and any business called AFNI INC or XXXX XXXX XXXX XXXX Nor is the account number you claim I have with you familiar in the least. You provided me with no information as to the nature of this incident, make claims of a invalid claim against me & claim Im responsible for something which I have no record of. XXXX  the documentation which you sent over validates no alleged agreement nor does it havemysignature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For background, I have a number of CC that are mostly paid off every month if used at all and a perfect payment record on credit report and generally extremely good credit. I have had a Citi Bank Shop Your Way CC since XXXX  and it is one of my favorite cards to use for daily needs due to the bonus points and special rate offers they frequently send me. I happen to see the request for credit increase listed in the online portal and figured since I hadn't done that for this card in a long time I would request an increase. I normally do this for most of my CC periodically or the company automatically does it since I am an excellent customer. My request ( much to my surprise ) was immediately denied and then I got a message on XX/XX/XXXX saying it was due to " Unsatisfactory existing account payment history ''. This seemed odd. I called both the number on the paper and the number on the back of my card and talked to at least 3 people for over an hour and they couldn't give me much info, but they didn't see any late payments or anything in system. I was worried that someone had an unauthorized account under my name or something! Then next day on XX/XX/XXXX I get another message that the " system '' performed a review of my account and with no warning closed my account of 6+ years claiming " one or more occurrences of late or returned payments in the last 6 months ''. I immediately called and spent another hour on the phone trying to figure out where the heck they came up with that. Cycled through multiple unhelpful people ( probably more like a useless automated system that didn't let them do any customer service ) to a manager. She a least showed some concern but still said there was nothing they could do as it was an automated system review and the system rules did not have an override or any possible oversight. She concluded that 4 months ago I had 2 extra principle payments scheduled on the same day ( way over minimum required monthly payment that was already satisfied ) that got " returned ''. The only reason that happened is the scheduled payment account they were linked to had been shut down by XXXXXXXX XXXX fraud dept in an abundance of caution at the same time frame the payments were scheduled so the payments were " returned ''. Manager was nice enough to at least tell me she filed my complaint against the system, but I am not sure if she really did or if that helps anyone as there was no reference and she said it was internal use only. Really sucks to cut ties with a perfectly good customer and I find this to be a horrible business decision. And the fact that they can even do that with no human review from bank agent should be illegal, and who knows, maybe it is!

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Tonight, I discovered some completely inaccurate accounts on my credit report, and Im at a total loss as to why theyre even there. When I checked it like I usually do, there were strange discrepancies that Ive never seen before. I tried refreshing my browser, hoping it might just be a glitch, but the inaccurate accounts were still there. This is really upsetting, and I need the documents Ive provided to be checked thoroughly so I dont have to go through this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be 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 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/16 a mobile mechanic agreed to repair something on my truck. He didn't do the work correctly and said he would come back. I submitted proof to Cash App showing that I was scammed. I paid for something and the guy admits via text message that he didn't fix it and won't come back to fix it. He was referred to me by the store. I was misled into thinking he worked of XXXX 's by the store manager. I called the store to tell them the guy won't do the work and they told the guy that I kept calling. He told me to stop calling them. I gave Cash App proof of me being XXXX over and they ruled in favor of the guy who clearly scammed me out of {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/year>

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I filed with you in 2022 about ide.tity theft. 
A debt collector XXXX will not stop harrasing me about this debt everyday. It was identity theft and they r taking me to court on XX/XX/XXXX and judge says I have XXXX say in anything. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified 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