vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: EQUIFAX, INC.
State: MN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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 accounts 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/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.

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!

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 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear XXXX XXXX CFPB , I am writing to formally dispute an account that has appeared on my credit report, showing me as an " Authorized User '' on a XXXX 's account with an alleged balance of {$XXXX}. I have no knowledge of this account and did not authorize being added to it. Despite having this fraudulent entry removed from other credit reporting agencies, Equifax continues to inaccurately report this information. 

This erroneous reporting is causing significant stress and negatively impacting my ability to secure credit. As such, I am requesting the immediate removal of this account from my credit report. 

I believe this account is being reported in violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter, I am formally requesting the following documentation : Proof of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this account.

The legal basis for collection of this debt.

Evidence of your authorization to operate in my state.

Documentation of the alleged debt, including any agreements bearing my signature.

The complete account history, including all charges related to collection activities.

In accordance with 15 U.S.C. 602 ( a ), I am also requesting an immediate cessation of all communication and collection activities related to this account. Additionally, per 15 U.S.C. 604 ( a ) ( 2 ), no account may be reported to credit bureaus without my explicit written consent.

Your actions have violated my rights under several sections of the FDCPA, including : 1692d : Prohibition of harassment or abuse in debt collection.

1692e : Prohibition of false, deceptive, or misleading representations.

1692g ( b ) : Failure to disclose my rights appropriately.

1692f : Use of unfair or unconscionable means to collect the debt.

I expect immediate deletion of this disputed account from all credit reporting agencies. Should you fail to comply, I may consider further legal action to protect my rights. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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 Equifax 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.

Equifax 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 explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After closely analyzing my credit report, I came across several accounts that I did not authorize or recognize.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XX/XX/XXXX # XXXX remove acct XXXX XXXX XX/XX/XXXX # XXXX remove acct XXXX XX/XX/XXXX # XXXX remove acct Remove Inquiries : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-06 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-09-06 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: AE

Complaint narrative:
My accounts 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/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.

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!

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 2024-09-06 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-06 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: CO

Complaint narrative:
Tomoboost subscription makes it impossible to cancel. I have tried to cancel several times their AI just keeps responding with deal offers to keep me from canceling. There is no way to cancel on their website. They require email but refuses to cancel it after emailing. I can't just take my payment information off the website as they wont let you remove a payment method that you have used.It seems that tomoboost is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: AZ

Complaint narrative:
Subject : Identity Theft Complaint Unauthorized Accounts with XXXX XXXX and XXXX XXXX To Whom It May Concern, I am writing to file a complaint regarding identity theft involving unauthorized accounts opened in my name with XXXX XXXX XXXX XXXX and XXXX XXXX. I have also included an Identity Theft Report to support my claim. 

Details of the Complaint : XXXX. XXXX XXXX XXXX XXXX Account : An account was fraudulently opened in my name under the account number XXXX with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize or apply for this account. 
XXXX. XXXX XXXX Account : An account was also fraudulently opened in my name under the account number XXXX with XXXX XXXX XX/XX/XXXX. I had no knowledge of or consent for this account. 

Supporting Documentation : Identity Theft Report : Enclosed with this complaint is my Identity Theft Report, which details the fraudulent activities and confirms my claim. 
Credit Reports : I have included my credit reports from Equifax, XXXX, and XXXX showing the unauthorized accounts. 
Correspondence : Documentation of my communications with XXXX XXXX XXXX XXXX and XXXX XXXX, where I reported the fraudulent accounts. 

Request for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by ensuring the removal of these fraudulent accounts from my credit reports and facilitating further investigation into these incidents of identity theft. 

Contact Information : Full Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX, XXXX ARIZONA, XXXX ] Email : [ XXXX ] Phone Number : [ XXXX ] Thank you for your attention to this urgent matter. I look forward to your assistance in addressing these fraudulent activities and correcting my credit reports. 

Sincerely, [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: AZ

Complaint narrative:
Subject : Identity Theft Complaint Unauthorized Accounts with XXXX XXXX and XXXX XXXX To Whom It May Concern, I am writing to file a complaint regarding identity theft involving unauthorized accounts opened in my name with XXXX XXXX XXXX XXXX and XXXX XXXX. I have also included an Identity Theft Report to support my claim. 

Details of the Complaint : XXXX. XXXX XXXX XXXX XXXX Account : An account was fraudulently opened in my name under the account number XXXX with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize or apply for this account. 
XXXX. XXXX XXXX Account : An account was also fraudulently opened in my name under the account number XXXX with XXXX XXXX XX/XX/XXXX. I had no knowledge of or consent for this account. 

Supporting Documentation : Identity Theft Report : Enclosed with this complaint is my Identity Theft Report, which details the fraudulent activities and confirms my claim. 
Credit Reports : I have included my credit reports from XXXX, XXXX, and Experian showing the unauthorized accounts. 
Correspondence : Documentation of my communications with XXXX XXXX XXXX XXXX and XXXX XXXX, where I reported the fraudulent accounts. 

Request for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by ensuring the removal of these fraudulent accounts from my credit reports and facilitating further investigation into these incidents of identity theft. 

Contact Information : Full Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX, XXXX ARIZONA, XXXX ] Email : [ XXXX ] Phone Number : [ XXXX ] Thank you for your attention to this urgent matter. I look forward to your assistance in addressing these fraudulent activities and correcting my credit reports. 

Sincerely, [ 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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> my business account by the name of XXXX XXXX XXXX XXXX with chase bank. They informed me that they were closing my account and wanted to end my relationship with them. I asked why they replied they could not tell me. I run my business with this account and there is an amount of {$230000.00} in that account which I run my cars and pay employees. Chase bank told me that they would close the account and send me the funds within ten business days. It has been over a month I still have not received my money and now Chase told me they could not give me a turn around time. I have been with them over three years without issue. I have no court orders or any legal action against me. They are holding my money without any notice, the law should provide a reason why my money is being held. I just get the run around from operators telling me I just have to wait. Right now I am behind on all of my bills and have not paid two of my drivers for two weeks who are about to leave my business. I need help to just get funds that are mine. There needs to be some sort of transparency they have not even asked me questions about transactions but rather just closed my account and kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: DC

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I am currently making additional payments towards my students loans each month as I am able ( my payments are currently being subsidized by my employer ). As such, I would like my overpayments to be credited to my principal amount. I currently owe more than I borrowed due to runaway interest even though I continue to make payments, so I assumed that I could pay down my principal as long as my account is current as with any other type of loan. The fact that I am not able to do so for my student loans is incredibly predatory, as I will never make it out of debt at this rate even though I am on a certified repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation