vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: EQUIFAX, INC.
State: DC

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. 

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 and list of Inquiries.

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had filed this FTC Identity Theft Affidavit and now to the CFPB to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
2. credit card account opened at XXXX XXXX . 
3. credit card account opened at XXXX XXXX XXXX. 
4. Another personal credit card account opened at XXXX XXXX XXXX. 
5. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 non-monetary relief
Consumer complaint received 2024-09-27 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: EQUIFAX, INC.
State: FL

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. 

and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX5 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 explanation
Consumer complaint received 2024-09-27 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: TX

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 explanation
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-27 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: CA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-27 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: NY

Complaint narrative:
My account with 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 60 days 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. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: TX

Complaint narrative:
I opened a secured credit card with this company. I ended up having deposited about {$450.00} on that SECURED CREDIT CARD. Meaning, this was my money that I put in there. Well, I had my card on there so that deposits would automatically come out ( {$20.00} a month ), and those payments came out perfectly fine. Now, I also had my card on there for my PAYMENTS to come out automatically. So please explain how my deposits would come out perfectly fine, but the payments were unsuccessful? Ill tell you why, because if the payments fail, they can charge you late fees. So it got to a point that I ended up paying around {$150.00} in late fees, and had a balance of {$35.00} in late fees left. So I just just said you know what, I want to close the account, give me the money that Ive paid into it and Ill close the account. Well they refused. They said I had to pay the late fees in order to get my money back. I responded by saying, if the late fees are {$35.00} and I have {$450.00} in the account, just take the {$35.00} and give me the balance. Well they kept THE FULL {$450.00}, AAAAND charged me late fees for the {$35.00} late fee that was on there. It got up to {$130.00} in LITERALLY ONLY LATE FEES, and this was after they kept {$450.00} of my money! All for {$35.00}! Now, theyve reported me to the credit bureaus as delinquent, all for late fees. When again, they kept {$450.00} of my money! They got the late fees x10! This company needs to be shut down, and it needs to be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries on my consumer report. These inquiries are not associated with me, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not appropriately addressed. These inaccuracies have hindered my ability to purchase my dream home and provide for my family 's needs, significantly impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I had several accounts business and personal with Navy Federal Credit Union, their were several charges that I disputed with the fraud form from Navy Federal. My claim was denied, I asked the reason and was told that I made the charges. My business debit card and business checking account was fraudulently used in the state of California at various places for purchases in the amount of {$48000.00}. I live in XXXX, and when these point of sale transactions was made I was in my home state of Illinois. I recently was looking at old bank and credit card statements and I noticed charges on my credit card and debit card statements that I made during XX/XX/XXXX. These charges prove I was in Illinois when my business debit card and business checking accounts were fraudulently used. I enclosed a copy of my fraud claim, a copy of my personal bank statement from XXXX showing point of sale charges in XXXX, a copy of my personal credit card statement showing point of sale charges and hotel stays in Illinois, and a copy of my business bank statement showing the fraudulent charges. Navy federal blocked closed and blocked access to my business accounts in XXXX of XXXX, but I keep copies of all my records and bank statements. And with these fraudulent transactions on all my accounts, my personal credit cards got closed for nonpayment, because my money was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400000.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Chargeoff- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400000.00} XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$5100.00} 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 non-monetary relief
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400000.00} XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Chargeoff- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400000.00} XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$5100.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: DE

Complaint narrative:
My mortgage was sold to USXXXX Bank XX/XX/XXXX and I have been paying my mortgage on time every month. When my insurance payment was due in XX/XX/XXXX, XXXX Bank paid the insurance bill twice out of my escrow. ( The amount is {$450.00} x XXXX so the total paid was {$900.00} ). I noticed this because my homeowners insurance company sent me a bill mid XXXX stating my payment was due and when I went to my portal for the bank, I noticed there was a deduction twice for the XXXX insurance. Once on XX/XX/XXXX and then again on XX/XX/XXXX. After speaking to USXXXX  Bank in XXXX, they stated the first check was some type of fraud and they had to investigate it. I called several times and spoke to several people because my concern was after my taxes were paid in XXXX, my escrow was going to be short and I did not want to have them telling me my mortgage payment was going to go up. They told me everything should be fixed by then. We spoke to the XXXXXXXX XXXX XXXX and they only received XXXX of the checks ( the XXXX dated XX/XX/XXXX ). Apparently this was a group check of over {$50000.00} that encompasses other people as well ( the first one that is fraud ). I asked the bank how was I going to be made whole in this process because in XXXX what did I get? An escrow analysis stating my escrow was short {$390.00} and I needed to pay this or my mortgage would increase on XX/XX/XXXX. First, the insurance payment should not have been sent twice. Now that it has, the insurance department explained to the escrow department that they are investigating the first check, the escrow area says well until we get the funds back, her mortgage will increase. That is unfair to me and everyone is blaming someone else when at the end of the day, if a fraud check is being investigated and is affecting my escrow, that should be corrected now. They can communicate with each other to see there was something internal that messed up my escrow. On XX/XX/XXXX it was escalated to the complaint department and when I called today on XX/XX/XXXX for the status, they just started looking at it on XX/XX/XXXX and this is not fair to me as a consumer who pays my mortgage on time. No one cares because this is not affecting them. I was also told today on XX/XX/XXXX that this could take up to 8 months to figure out what happened with the check and meanwhile I am being affected by this. I have been calling about this since mid XXXX and it is over 60 days and I can't get any information except my mortgage will increase unless this underpayment is paid which is not an underpayment, but an internal error caused by the bank that is not my fault.

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