vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-22 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: AR

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-22 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:
XXXX XXXX  ACCOUNT NUMBER : XXXX I received a copy of my credit report, to my surprise, you are reporting this account incorrectly. This collection account is reporting not only as CLOSED but, also shows a past due balance of XXXX, According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 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
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
I am writing to request information about the verification method your bureau uses to confirm the accuracy of disputed items on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly ask for detailed information on the following : The specific method or process your bureau uses to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing transparency about the verification process. This information is essential for me to fully understand how disputed items on my credit report were confirmed as accurate.

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 2024-07-22 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: DC

Complaint narrative:
My account with 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 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 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. 

XXXX 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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Ive been banking with Chime bank for a few years now, randomly one day in XXXX they decided to close my account. They emailed me stating I didnt follow company policy so they would be closing my account XX/XX/year>. When I tried to transfer all my money into a new account I created with another bank, it kept saying error so I called chime and they closed my account 3 days earlier so I could not access my money. It is now XX/XX/year> and I still have no updates on my closing check. I call them at least twice a week and they always state someone will email me and I never get a email. Ive had over {$4000.00} in my account with chime at the time they closed it. Money that was going to be used for back rent and utilities. Since then Ive had to move out my apartment because I could not pay rent and got kicked out. I need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
In late XX/XX/XXXX I received a letter stating I owed the " Lien Total '' of {$3.00}, XXXX from the firm Lueder, Larkin, and Hunter. The firm states on the letter received that they represent the community I am a member of, " XXXX XXXX XXXX ''. 

Once I recievd the letter, I sent a dispute response, as I had just received a bill from the association that stated a different amount owed of {$2600.00}. This was just in XX/XX/XXXX. My dispute was due to the firm alledging that I owe interest since XXXX when I've paid XXXX  since that year. They also charged more fees to the bill called " misc fees '' and " attorney fees ''. That is over {$750.00} difference within XXXX  months time. When I asked why the bill was different from the one I just received in the mail, they sent several word documents with ledgers that were created using a XXXX program and not accounting software. The bill I just received in XX/XX/XXXX was no where close to the information they sent about my dispute. As I told them, I do not mind paying the debt I owe, however I do mind paying debt that I do not owe. It is unethical to send fraudulent amounts, in an attempt to request debt that is not factual. Even the letter they sent states " Any partial payment will be applied to attorney 's fees, costs, late charges, interest, and then any remaining amount will be applied to the oldest principal balance. '' so why would I owe interest and fees since XXXX, if I paid " partial payments '' to the balance since the year of XXXX when I paid since that time period? 

There is a " misc fee '' of {$250.00} that does not reflect anything. In the past, the {$250.00} was an " attorney fee ''. There is another " attorney fee '' of {$90.00}. Why am I paying {$340.00} for " attorney and misc fees '' for someone to send a word document with an incorrect balance to me via email? In the past, this same firm charged me {$250.00} for attorney fees and now they are wording it as " misc charges ''. To me, this is unethical and fraudulent. It is a shame that a company can take advantage of a consumer for profit. Why can this firm not represent the correct debt that is owed? I want to be treated fairly and pay the correct and ethical debt that I owe. This company is threatening to put a Lien on my home for an unethical amount. It is fraudulent to take money and property from someone when they do not owe what is claimed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
The company has not applied monies accurately to my account. 
On XX/XX/year> I settled with the company for 25 % and not 40 % which was inaccurately stated by XXXX. 

The settlement balance were calculated inaccurately at 26 %. ( Letters attached ) As a result 3 loans XXXX, XXXX, XXXX were overpaid and monies were no applied accurately to XXXX. 

On more than 5 occasions I was advised that these loans were fully paid only to here upon inquiry that loan XXXX still has a balance. 

I have attached copies of the letters and calculations that should have been on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX  I CALLED EQUIFAX THEY COULD NOT VERIFY MY IDENTITY FOR SOME REASON XXXX I CALLED EQUIFAX AGAIN AND WAS FINALLY ABLE TO GET INTO MY ACCOUNT BUT I STILL CAN'T SEE MY ACTUAL REPORT DUE TO TECHNICAL ISSUES THIS HAS BEEN GOING ON FOR OVER A YEAR WITH EQUIFAX!

XXXX I DECIDED TO GO ONTO THE XXXX WEBSITE TO SEE ALL 3 BERUAS AND I FINALLY WAS ABLE TO SEE THE EQUIFAX REPORT THE REPORT IS OUTDATED I TRIED TO DISPUTE A LOAN THAT IS ON MY REPORT AND IT TRANSFERRED ME BACK TO EQUIFAX TO DISPUTE THE ITEM I WAS ABLE TO LOGIN BUT STILL NO CHANCE TO DISPUTE THE INACCURATE ITEM DUE TO THE WEBSITE. I CAN DISPUTE WITH XXXX XXXX XXXX BUT WITH EQUIFAX THEY'RE HORRIBLE!!

EQUIFAX HAS TOO MUCH GOING ON WITH THEIR BUSINESS AND IT'S PREVENTING ME FROM MOVING FORWARD WITH BETTERING MY CREDIT ON THEIR BEHALF AND IT IS NOT RIGHT.

THE SCREENSHOT BELOW HAS BEEN SAYING THIS FOR OVER 6 MONTHS! I DON'T HAVE ANY TROUBLE WITH THE OTHER AGENCIES. MY IDENTITY IS VERIFIED WITH EQUIFAX SO THIS SHOULDN'T BE A PROBLEM!

THANK YOU, TRULY HOPE THIS WILL HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFBP ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-22 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: SC

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have requested, since XXXX, on several occasions to open a checking account at Us Bank and they have denied me that right. Today, XX/XX/XXXX, I tried again to open an account and was 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 explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX, XXXX. While going through my monthly bank statement, I discovered a withdrawal of {$6000.00} from my account on the XXXX of XXXX, and I immediately called the bank to inquire about the said amount, they claimed not to see any withdrawal of such amount in my account. Then I walked into XXXX XXXX branch of the bank to make a complaint, and I spoke with one of the managers named XXXX XXXX. And he gave me the number to claim department to put in my request which I did. They told me to go get a police report which I did, and also gave them a copy and the claim department told me to wait to hear from them, but they never get back to me.

Company response to consumer: Closed with explanation