vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX  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 XXXX XXXX XXXX. 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 to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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-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. 

XXXX XXXX XXXX Is a Collection Company and should not have a past due amount or date by default

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 2024-09-23 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: Coinbase, Inc.

Complaint narrative:
My funds were liquidated from Coinbase after a couple of years of building my portfolio. They locked my account then they swept all my money. I tried to contact them multiple times unfortunately they didnt respond. I got an email stating that my funds were moved to the XXXX XXXX XXXX, I submitted my claim and they said I must wait for a few days at the XXXX XXXX XXXX, after submitting supporting documents they said I must wait for 6-7 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to report a serious violation of the Fair Credit Reporting Act ( FCRA ) related to the unauthorized re-insertion of an account on my credit report. This account, which I have repeatedly disputed, is the result of identity theft. Despite submitting an Identity Theft Report on XX/XX/year>, and disputing this account multiple times, it was reinserted without proper notification. 

This action violates the following FCRA provisions : FCRA Section 611 ( a ) ( 5 ) ( B ) : Credit reporting agencies must provide written notice within 5 business days of re-inserting a previously deleted item. This notice must include the name, address, and telephone number of the furnisher of the information. I did not receive any such notification regarding the re-insertion of this disputed account. 

FCRA Section 605B : This section mandates that, upon receipt of an Identity Theft Report, the consumer reporting agency must block the fraudulent information from appearing on the credit report. By re-inserting this account, the credit bureau has failed to comply with this requirement, further harming me as a victim of identity theft. 

The unauthorized re-insertion of this account has caused significant damage to my credit profile and has exacerbated the distress caused by the original identity theft. I am requesting an immediate investigation and that this account be permanently removed from my credit report. I also request assurance that proper protocols will be followed in the future to prevent further violations of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
My account with TransUnion 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 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.

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!

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 2024-09-23 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-23 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: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report today, which I can not explain. I check my report regularly, and now, out of nowhere, these issues have surfaced. I refreshed my browser multiple times, thinking it might be an error, but nothing changed. This is incredibly frustrating, and I demand that my documents be checked thoroughly, so I don't have to deal with this problem anymore.

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 2024-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX i sold computer to someone from XXXX XXXX. he ask to use venmo i said ok. i have used venmo many times for much larger transactions. 

I saw transaction come thru so he left, 5 mins later i see there is hold for the {$200.00}. I immediately called venmo, i needed my money right away The proceeded to tell me they need to hold my money until XXXX, i ask why would you hold my money- the guy has my laptop and is gone. They said sorry This is not posted anywhere and has never happen before to me. now i am stuck waiting for my money with no reasoning behind it other than we do some with some transactions. I said this is unacceptable and ask to please release my money. i need to pay bill Now i am reaching out to you for help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: MD

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-23 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: LEXISNEXIS
State: OH

Complaint narrative:
I recently disputed a Bankruptcy with Lexis Nexis they responded with a letter say they verified the information through XXXX  using my account number and the last 4 digit of my social according to FRCA Rule 9037 all personal information on court documents has to be redacted being that the only have my last 4 digit of social and year I was born how can they say for certain that the bankruptcy belongs to me being there are thousands of people with the those digits in the social and thousands of people with that birth year

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have automatic payments to my Bank of America credit card. The amount of payment ( {$75.00} ) more than covered the minimum. When I changed the monthly payment to {$270.00} it did not change. The new minimum amount increased but the {$75.00} was still being debited. This caused a 30 day late because it didn't cover the entire amount, I was told by a customer service agent that this change could take up to 60 days to go into effect. I did not know this. 

I have been refunded the late charges but told the agent that my concern was not the late fees but the serious ding to my credit report. They told me that it was nothing they would do. 

Bank of America has refused to change the 30 day late. I do consider that this is a lack of good faith to a customer that has an excellent payment record. I did not know that it would take 60 days to change my payment amount, which is unbelievable. 

This issue has caused me extreme stress. My credit score went from XXXX to XXXX. I am asking Bank of America to remove the 30 day late and restore my credit line. 

My case # XXXX. I response was that there was not an error on their part so they were not removing. The error was me not knowing it take 60 days to change a payment amount.

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 2024-09-23 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:
This morning, I saw unauthorized inquiries on my credit report, and I dont understand why theyre there. I check my report frequently, and this time, these unexpected discrepancies have shown up. I tried refreshing the page, hoping it was a glitch, but the problem remains. Im beyond frustrated and want the documents I sent to be reviewed carefully, so this issue is resolved immediately, and I never have to worry about it again.

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 2024-09-23 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TX

Complaint narrative:
I have been contacted multiple times a day, XXXX times or more, every day for weeks. I have had multiple emails left and they have also attempted to contact my employer on several occasions, which i had informed them i wasn't allowed calls at work. It is constant and harrasing the number of calls i receive from MaxLend on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> approximately XXXX am I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX obtained cash from the ATM due to my regular ATM bank was down. I used my Chime debit card ending in XXXX to retrieve {$400.00} from the ATM. I dropped my debit card on the ground I went to pick it up and I did observe my cash being taken back in by the ATM. I then received an error message on the screen stating, " CASH BEING RENDERED PLEASE CONTACT YOUR BANK ''. I did ask the XXXX at XXXX XXXX for support. He stated he has no control over the ATM. I then contacted my bank CHIME. The representative stated they can not help me until my transaction has posted. I did then expressed my concerns being that it was XXXX XXXX weekend, and the delay will cause them to not believe me. The representative stated he will attempt to expedite my dispute when submitted. I then attempted to contact XXXX ATM at ( XXXX ). The female stated she can not inform me of this matter only my bank can contact XXXX to obtain the needed information to obtain my {$400.00}. The representative stated the terminal number " XXXX '' on my receipt in which my cash was dispensed and taken back in they will see the error message and also the ATM being over an extra {$400.00}. On XX/XX/year> I have summitted a dispute to CHIME bank and on XX/XX/year> CHIME bank declined my dispute and stated they can not support me. CHIME Bank did not offer a provisional credit or appeared to have called XXXX per todays conversation. CHIME bank appears to want me to do their diligence. The representative at XXXX stated today they will tell that the funds were not taken out the ATM by my terminal number and also from my error message. I am seeking support because my bank is not working to obtain my funds that was taken from me in error. They declined me in XXXX day and did not call XXXX to investigate my claim. It appears XXXX is supporting me more than my bank CHIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 non-monetary relief