vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This serves as an official letter, and I am choosing to opt out of the XXXX XXXX XXXX XXXX. I want to permanently opt out of XXXX, XXXX, XXXX, and TransUnion, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX XXXX 2023 I had a XXXX XXXX of XXXX. During that same month I refinanced my student loan from XXXX to XXXX XXXX XXXX XXXX. The loan amount owed to XXXX was XXXX and the new loan with XXXX XXXX XXXX XXXX was also XXXX. 

Once loan companies changed my XXXX XXXX dropped drastically over XXXX points. I had no late payments as I pay timely, I keep my credit usage less than 20 % and my balances are all under 50 % or less. So, if the loan amounts were the same, why would my XXXX XXXX drop XXXX points. 

I have reached out to each bureau for answers however ; I get no response. I think something is not right and would like it corrected or an explanation of why the drastic change when no amounts changed. 

Any help will be greatly appreciated. 

Thanks! 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TN

Complaint narrative:
XXXX  XXXX  XXXX XXXX XXXX 2023
XXXX XXXX XXXX XXXX 2023
XXXX XXXX XXXX XXXX 2023
XXXX XXXX XXXX 2024
XXXX XXXX XXXX XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NV

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 XXXX  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 XXXX  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 explanation
Consumer complaint received 2024-08-20 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: GA

Complaint narrative:
I am in disagreement with the account listed below, which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX XXXX / XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX XXXX is a XXXX traveler. I open active checking accounts internationally, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Briefly rested in the united states I was XXXX, and all my global international active checking accounts was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX. 
XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
Have been using blockchain.com since XXXX and Im a verify user until on the XXXX of XX/XX/XXXX I got restricted from accessing my funds on my trading wallet and exchange account, then I sent a message via the company support system which they replied in two days time asking me to explain the discrepancy between names which I did and later accepted in assisting with my support ticket. After two days the company responded via email to provide an ID, selfie, written letter, and a XXXX wallet where they will convert my funds to and send it to the external wallet provided which I later did and sent it back to them same day. Now ever since I sent them those details on the XXXX of XX/XX/XXXX have gotten no response from them. Its been more than three weeks without a resolution regarding my case and nothing to the wallet provided. 
Blockchain.com is the name of the company and they still withhold my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
So I have some personal loans and balance transfer offer ( {$3000.00}, Which I used ) from the Citi Bank, the personal loan is 5.99 % interest rate and the balance transfer offer is 0 % interest rate by XX/XX/24, on or after XX/XX/24 it will be 23.24 % interest rate. On XX/XX/24, I paid Citi bank the balance transfer full amount {$2900.00}, their system didn't have the option for me to select which payment I made, but from the call I talked with the bank representative before, the payment will be paid the highest rate loan/product first, which should be the balance transfer. Now I can see the system used my money to paid the personal loan but not the balance transfer, and they charged me the interest ( 23.24 % rate ) for the balance transfer because it's not paid off in their system. Now they keep charging me the 23.24 % rate every month and I don't have extra money to paid it off.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the ongoing inaccurate reporting of an account with XXXX XXXX XXXX on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX TransUnion Report Details : High Balance : {$29000.00} Last Verified : XXXX/XXXX/2023 Date of Last Activity : XXXX/XXXX/2023 Date Reported : XX/XX/XXXX2023 Date Opened : XX/XX/XXXX2020 Balance Owed : {$0.00} Closed Date : XXXX/XXXX/2023 Account Rating : Derogatory Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Repossession Creditor Remarks : Payment after Repossession Payment Amount : {$0.00} Last Payment : XXXX/XXXX/2023 Term Length : XXXX Month ( XXXX ) Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly XXXX XXXX XXXX {$0.00} Specific Issue : This account was charged off on the following date : XX/XX/XXXX. Since that date, the account has been repeatedly updated as " charged off '' every month. These repeated updates in the payment history are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, it should not include an active payment history. The continuous updates falsely extend the statute of limitations on this debt, causing harm to my credit standing. 

Violation of Rights : I have previously requested that this matter be investigated twice, but your neglect to address the inaccuracies has resulted in a violation of my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The continued reporting of inaccurate information after multiple requests for correction is unacceptable. 

Demand for Deletion : Given the persistent inaccuracies and the failure to correct this issue, I am now demanding the deletion of the account from my credit report. The following account details must be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reporting Agency : TransUnion Requested Action : I urge the CFPB to take immediate action by ensuring that the creditor, XXXX XXXX XXXX, conducts a thorough investigation and deletes this account from my credit report. Failure to do so will compel me to explore further legal avenues to protect my rights. 

Thank you for your prompt attention to this serious matter. I expect to receive confirmation of the deletion and correction of my credit report as soon as possible. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: GA

Complaint narrative:
I have been trying to get my money out of Skrill account since XXXX XXXX. They restricted my account as soon as I tried to transfer money out. I have been verified as well as my checking account I have called and emailed several different times. I've lost my truck due to not being able to make my payment because of these people. I don't understand why they haven't been shut down most of their reviews are stories like mine. And you just lose your money .well my money is to hard to come by I will not give up .please help me in getting my money released

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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 this company is being reported late and i was never late! I have had exceptional payment history with this company 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 cre
ditor 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 2024-08-20 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: GA

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc.
State: GA

Complaint narrative:
on XX/XX/year> i had received a call from XXXX the company 's name they said NPAS Solution, llc. and they said it's dept collection agency from XXXX XXXX  XXXX told me i owe {$4000.00} and i did't collected {$2500.00} from my credit card and after that i called them to get the a refund because i found out memorial university of health don't use NPAS Solution LLc for dept collection they have XXXX XXXX only one dept collection company works for them ( i had personally called XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  ) .so basically it's seems like a fraud and i need my money back even if it's not a fraud. if i owe any money to dept collection agency they should send me a mail not call me over the phone and make a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: 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 XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: 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 XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.

Company response to consumer: Closed with explanation