vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am submitting this formal complaint against TransUnion for reporting incorrect and incomplete information regarding a XXXX XXXX XXXX account ( # XXXX ) on my credit report. The inaccuracies and inconsistencies associated with this account constitute violations of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of this account from my credit report. 

Specific Violations XXXX. Lack of Payment History : The payment history for this account is entirely blank. This is a violation of Section XXXX ( a ) ( XXXX ) of the FCRA, which requires credit bureaus to provide complete and accurate information in consumer reports. 

XXXX. Inaccurate Payment Status Information : The account is listed as " Unknown, '' which is inconsistent with data reported by other credit bureaus. This violates XXXX XXXX ( b ) of the FCRA, which mandates maximum accuracy in credit reporting. 

XXXX. Incorrect Dates : The date of last activity ( XX/XX/year> ) and the date of last payment ( XX/XX/year> ) do not match the records of other bureaus, indicating inaccurate reporting and further violating Section XXXX ( b ) of the FCRA. 

XXXX. Inadequate Comments : The report lists " XXXX XXXX XXXX  '' but fails to provide prior details of the account 's status ( e.g., " Charge-off '' ). This omission constitutes incomplete information under Section XXXX ( a ) ( XXXX ) of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am submitting this formal complaint against TransUnion for reporting incorrect and incomplete information regarding a XXXX XXXX XXXX account ( # XXXX ) on my credit report. The inaccuracies and inconsistencies associated with this account constitute violations of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of this account from my credit report. 

Specific Violations XXXX. Lack of Payment History : The payment history for this account is entirely blank. This is a violation of Section XXXX ( a ) ( XXXX ) of the FCRA, which requires credit bureaus to provide complete and accurate information in consumer reports. 

XXXX. Inaccurate Payment Status Information : The account is listed as " Unknown, '' which is inconsistent with data reported by other credit bureaus. This violates XXXX XXXX ( b ) of the FCRA, which mandates maximum accuracy in credit reporting. 

XXXX. Incorrect Dates : The date of last activity ( XX/XX/year> ) and the date of last payment ( XX/XX/year> ) do not match the records of other bureaus, indicating inaccurate reporting and further violating Section XXXX ( b ) of the FCRA. 

XXXX. Inadequate Comments : The report lists " XXXX XXXX XXXX '' but fails to provide prior details of the account 's status ( e.g., " Charge-off '' ). This omission constitutes incomplete information under Section XXXX ( a ) ( XXXX ) of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information regarding the XXXX  section of my credit report. The discrepancies outlined below violate my rights under the FCRA and unfairly impact my credit history. 

Identified Discrepancies Reference Number : TransUnion reports the reference number as XXXX, while other credit bureaus list it as XXXX, indicating an inconsistency in the information reported. 

Court Identification : TransUnion identifies the court as XXXX XXXX  XXXX, but another bureau lists it as XXXX XXXX XXXX XXXX XXXX, showing a lack of uniformity and accuracy in reporting. 

Violations of the FCRA XXXX. Section XXXX ( a ) ( XXXX ) : I am entitled to a credit report that includes accurate and complete information. The discrepancies in the XXXX  section demonstrate that this requirement has not been met. 

XXXX. Section XXXX ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy in the information they report. The inconsistencies in the reference number and court identification indicate a failure to adhere to this obligation. 

XXXX. Section XXXX ( a ) : Under this section, TransUnion is required to delete or correct inaccurate or incomplete information within the legally mandated XXXX period after a dispute is filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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 do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
Trustmark bank charged me {$72.00} for overdraft fees of 2 debits for XXXX XXXX  each. 

Then they wont let you transfer money after a certain in the account to cover balances. I was in the phone and had a positive balance and the next day I had insufficient fees. Their creative balances are signaling the wrong info because u could have transferred money from another Trustmark account. 


I dont believe that they are concerned about their customers more less their pocket.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX Chase sent an email asking for more information or my account would be closed. When I called customer service I was told there would be no explanation given as to why my account was closed and I can not open future accounts. Fraud was mentioned in the report however no explanation was given. They also blocked me from entering my account to even see what the issue was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
Hello I'm submitting this complaint because I've tried to resolved this with Equifax but was unsuccessful. I am a surviver of human trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Im a victim of identity theft, my personal information was compromised. A fraudulent account with Capital one was opened with my information on XX/XX/year>. The account is showing closed on my credit report and reporting a balance of of {$550.00} with a late payment reporting. I contacted the company and requested that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
I, XXXX XXXX, authorized this dispute due to multiple violations of the Fair Credit Reporting Act ( FCRA ) that have affected my credit report. Specifically : Civil Liability for Willful Noncompliance ( FCRA Section 616 ) : Credit information was accepted without proper verification of its accuracy, which is a willful violation. Under FCRA, this can result in civil penalties of up to {$1000.00} per violation.

Failure to Disclose My Right to Opt-Out ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The reporting agencies failed to inform me about my right to opt out of sharing my personal information, which misled me and violated my consumer rights.

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, which violates Generally Accepted Accounting Principles ( GAAP ) and constitutes deceptive reporting.

Debt Collection Practices Act Violation : The reporting agencies allowed inaccurate debts and accounts to be reported without my consent, leading to unfair practices and unnecessary harassment.

Unauthorized Disclosure of Debt Information : Debt collectors violated regulations by sharing my information with third-party credit reporting agencies about an alleged debt.

Inaccurate Reporting of Late Payments : Late payments were inaccurately reported on my credit report without a clear definition of what constitutes a late payment, which misrepresents my credit history.

Failure to Properly Determine Finance Charges : The credit reporting agencies failed to accurately calculate finance charges, violating their responsibility.

Permissible Purpose of Reporting Information ( FCRA Section 1681b ( a ) ( 2 ) ) : Unauthorized hard inquiries were made on my credit report without my written consent, violating the permissible purposes rule under FCRA.

I have requested that the credit agencies immediately correct these violations by removing inaccurate and unauthorized information from my credit report. If these issues are not addressed promptly, I will be forced to pursue legal action under the provisions of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

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!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Global Lending Services LLC
State: MS

Complaint narrative:
Global Lending Services XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX There was an unauthorized use of my social security no. 
please remove this inquiry as soon as possible fraudulent usage, stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Smart Money Capital, LLC
State: NY

Complaint narrative:
I am XXXX, XXXX XXXX, XXXX XXXX service member in the XXXX XXXX, received a mail today from Smartmoneycapital that I am eligible for a loan with low interest rates. 

I applied online and received a call from XXXX XXXX XXXX. He literally talked me into applying for Economic hardship program with some third party XXXX legal group when I told him over phone recorded line, I am not in Economic hardship, and once enrolled he asked me to stop payments to my clients without fully explaining impacts of it. 

I am not sure what is going on with Smartmoneycapital or XXXX legal group? 

The funniest part of the agreement is if the CREDITOR/ bank sues me for not making payments, I will have to pay for the court fees for cardoba group , which XXXX XXXX XXXX XXXX did not find it important to mention over phone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2024-11-27 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: FL

Complaint narrative:
I am filing a complaint to request a reinvestigation of the following account on my credit report, as I believe there are inaccuracies : Account Name : XXXX XXXX  Account Number : XXXX I request that the Consumer Financial Protection Bureau assist in ensuring the accuracy of this account 's reporting under the Fair Credit Reporting Act ( FCRA ). Please investigate this matter thoroughly and correct or remove any errors found. Thank you.

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