vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: PA

Complaint narrative:
While reviewing my credit report, I came across a number of billing errors. The late payments noted are not consistent with my history of timely payments. Please resolve these discrepancies and update my account accordingly.

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 2024-12-07 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: PA

Complaint narrative:
When I checked my credit report this morning, I was shocked to see accounts that dont belong to me. I have no clue how this could have happened. I usually check my report without any problems, but today, I found these discrepancies. Refreshing my browser didnt help ; the errors were still there. Im pleading with you to carefully review the documents Ive submitted to fix this issue for good.

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 2024-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.

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 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Nationstar/Mr. Cooper was my new mortgage lender transferred from XXXX during an active home modification process. They change the offer terms of the loan by nearly 75 % and falsified our house hold income thereby limiting more desirable loss mitigation program options. We wanted to keep our home. 

While on the phone with Nationstar research department, the operator XXXX, told me the loan was paid {$160000.00} and current balance XXXX. I've made multiple request to get the closing/settlement documents via online, fax and via phone. To my dismay they refuse to release any documents. 

Now they are double dipping. Suing me for a $ XXXX deficit. The appraised value of the house was mid- {$100000.00} and XXXX transfer document show time of transfer at {$150000.00}. This is outrageous! 

I seek relief and justice through CFPB and its affiliates from Nationstar/Mr. Cooper 's harmful tactics, falsified court confirmed served summons, and everything adversity they has caused to me and my family financially and lost of homestead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
I have recently examined my credit report and found several inaccuracies. The late payments reported do not reflect my usual payment patterns. I request that you correct these errors and update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I planned to receive {$1500.00} from a family member for paying my mortgage. She sent the money via Zelle from her XXXX XXXX account, and I received a text message from Zelle saying I had a pending payment that I needed to enroll with Zelle for. I've used Zelle before, with both my email and cell phone number verified, and yet it required me to enroll again. When I finished enrolling, it brought me back to my XXXX bank app home-screen, yet the funds were not in my account. When I called my family member, she said the {$1.00} had been withdrawn from her account, and that the Zelle transaction had been completed. 

When I looked into my Zelle activity, however, no {$1500.00} transaction is listed. I sent her a test {$1.00} Zelle payment to test if she was able to receive Zelle from me, and she did the next morning, though not immediately. 

When talking to XXXX and Zelle, they both direct me towards each other 's customer support, and both can not verify the existence of a transaction of {$1500.00} to my checking account. They both also confirm that my phone number was verified as a recipient for the Zelle transaction. 

I'm planning to wait on the payment to come through over the weekend, hopefully it just being a lag in their systems. But I find it disturbing that the transaction took money out of her account and failed to deposit it into mine, leaving it in a limbo state. Especially since the mortgage payment is due soon, and I can't afford to wait days or weeks for a payment of that magnitude and urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: CO

Complaint narrative:
I took out a loan from them, the amount is {$600.00}. The total finance charge will be about {$3900.00} and the total amount that i will pay after I make all payments will be {$4500.00}. The payments are {$88.00}, I been paying that amount since XX/XX/year> and I stopped paying XX/XX/year>. The interest rate is very high which is 776.17 %, in the state of XXXX where I live is illegal and a felony. 

This is their email XXXX. I tried finding them on the BBB put I couldnt find them. I stopped paying because their interest rate is way too high and time I made a payment the amount stayed the same. They claim there are from the part of the XXXX XXXX XXXX XXXX XXXX of the XXXXXXXX XXXX XXXX XXXX. 

I have a copy of the agreement. This week will be my second time missing a payment and will no longer pay becuase of the interest rate being so high. They threaten to submit may debt to a collection agency and report to a consumer agency databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified several inconsistencies across the three bureaus regarding my Cap1/Kohls account : XXXX is reporting a 30-day late payment, which is not reflected on my XXXX or XXXX reports. The Past Due - 30 Days column for XXXX shows a " 1 '', suggesting an erroneous late payment entry.

There is a significant discrepancy between the activity dates : XXXX shows the last activity on XX/XX/XXXX, XXXX shows it as XX/XX/XXXX, XXXX lists the last activity as XX/XX/XXXX. This inconsistency could indicate outdated or incorrect information on one or more of the reports. Additionally, the " Last Verified '' and " Last Reported '' dates are not consistent across the bureaus. XXXX and XXXX have missing verification dates, while XXXX lists the last verification as XXXXI believe these discrepancies, particularly the 30-day late payment and the differing activity and reporting dates, are erroneous. I am requesting that you provide verifiable proof of the reported late payment or promptly update my account to reflect never late. If no documentation supporting this late payment can be provided, I expect the account information to be corrected and accurately updated across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NJ

Complaint narrative:
When I checked my credit report this morning, I was shocked to find accounts that dont belong to me, and I have no idea how this happened. Ive been checking my report regularly without issues, but today there were discrepancies that seemed to appear out of nowhere. I refreshed the browser, thinking it might just be a technical issue, but the incorrect accounts didnt go away. Im desperate for the documents I submitted to be reviewed thoroughly so I can stop living in fear over this.

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 2024-12-07 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed collections ans charge offs that I did not approve anyone to pull my credit report.

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a CITI XXXX XXXX XXXX XXXX XXXX Account. I received several mailers seeking me to apply. I also currently possess a CITI card and has excellent XXXX XXXX. 

Within hours after I applied on line I received a phone call from a number that I did not recognize, so I did not answer. The caller left a voice mail and identified as from CITI bank and purpose was to get information to validate my application. When I called the message said they are available on week days in certain times. When I called on Monday the system stated that my application was denied and I will receive a letter in mail. 

The phone numbers nor the letter has any directions or means to reach any one. The options on phone lines do not provide any information except my application is denied.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.

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 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
I didnt know you had to put your social security number in, and I thought it was a gift card so i tried using it but it didnt work so I went back to the store and tried getting a refund or to switch it out for a different gift card but they said that I cant get a refund at the store and to call the number on the back and I did but it was not help so I was wondering if I could get a refund for the card because it has XXXX XXXX and I was going to give it to my daughter

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible. US BKPT CT XXXX XXXX XXXX - Ref No.

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 2024-12-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Late Payment Removal To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this late payment from all credit reporting agencies.

2. Provide written confirmation of the late payment deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.

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 2024-12-07 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: PA

Complaint narrative:
My accounts on the following companies were 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 ( 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 21 days before the payment due date.

They have 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 2024-12-07 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: PA

Complaint narrative:
My accounts on the following companies were 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 ( 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 21 days before the payment due date.

They have 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Several entries on my credit report were added without my consent. Please remove and block these accounts promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon checking my credit report, I found multiple entries that I believe were added without my approval. Please take action to block and remove these accounts.

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 2024-12-07 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: NV

Complaint narrative:
In XXXX of 2023 I realized I was a victim of identity theft when I was turned down for a lease and received a copy of my credit report. To my surprise I found a loan with XXXX XXXX XXXX on my report, I have NEVER applied for or know of such loan. I contacted XXXX and supplied them with an FTC report and police report but it has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
Upon reviewing my consumer report I noticed collections and charge offs that I did not approve anyone to pull my credit report.

Company response to consumer: Closed with non-monetary relief