vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
After getting their letter, in the mail dated XX/XX/year>, I called them on XX/XX/year>, and they told me they could do this without giving me the time I needed. In their letter and to me over the phone, they lied and took out the payment, when I was working with the new mortgage company ( XXXX XXXX  ), over the phone on XX/XX/year>. XXXXXXXX XXXX  was working with me, and we were waiting for the full transfer on my new account, which would take place on XX/XX/year>. 
I have a copy of the New Day USA letter. 

By New Day taking out the funds, left my bank account with less money to pay my other bills, and had to pay many {$30.00} NSFs and checks returned to my car insurance and car payment companies. Now I am behind and have fewer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MD

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-25 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: IL

Complaint narrative:
After having my personal papers stolen, I now have countless inquiries on my credit report which were not initiated or authorized by me. I have sent letters out to the various credit bureaus and now find it apropos to make official complaints as I am being violated. Included in this report will be screenshots of the companies who have inquired about my credit status without my consent or knowledge with the major 3 bureaus. However the screenshots in THIS report will reflect inquiries on my TRANSUNION report. Also enclosed is my FTC 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 2024-07-26 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: Cascade CISS Holdings, LLC
State: IL

Complaint narrative:
I am a victim of human XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for XXXX XXXX XXXX, four Social Security number is XXXX, XXXX : XX/XX/XXXX Please delete the following accounts. Xactus LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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 account with XXXX 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 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 that are reported 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. XXXX 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 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Description of What Happened : USAA is not following US consumer laws. There are several companies reporting negative items on my credit report past 7 years. This is against the law, a violation of the Fair Credit Reporting Act ( FCRA ), and these items should be removed immediately. 

In addition, I was a victim of multiple data breaches by two Fortune 500 companies, XXXX and XXXX XXXX. I was informed by both companies that my information was affected by these breaches. As a result, multiple accounts were fraudulently opened in my name with various companies, and these debts were never paid. 

I have taken the following actions : Filed an identity theft report affidavit with the Federal Trade Commission ( FTC ). 
Contacted XXXX to dispute the outdated negative items and fraudulent accounts, but no action has been taken to correct my credit report. 
I encourage the CFPB to investigate these violations and hold XXXX accountable. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TN

Complaint narrative:
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 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
I filed for XXXX XXXX  on XX/XX/year> and doing so a lady told me direct deposit is normally the most efficient and fastest way to get my money so I set it up to be deposited into my Chime checking account. It took me nearly XXXX weeks to get approved and XXXXXXXX XXXX told me that before Im able to get my check deposited they do what they call a test run to make sure that it is the correct account and that its going to be able to be pushed through. Did a weekly claim on the XXXX and then by the XXXX the XXXXXXXX XXXX had had processed my check into my Chime account, but I wasnt seeing any funds on my bank and so doing calls back-and-forth back-and-forth between my bank and XXXX  is chime is not releasing the funds, they asked for documents like my social my ID my marriage license all of that which I submitted and a week later I still havent gotten my money and all they can say is its still in processing but after a week, I dont understand why Im still not able to receive my money. I think something happened to it and theyre not being truthful or I meant I meant sure whats going on, but they refused to process my payment through to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: AL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-25 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 XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 paymen t 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 XXXXXXXX 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 2024-07-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My account on XXXX  says it was paid XXXX weeks ago. And on XXXX  website and money network websites it says it would arrive in 10 days. Well its been longer since 10 days. 

I tried calling them but i cant get pst the automated system because XXXX not on there system when putting i in my social and my birthday. The money on XXXX says i already got paid so if XXXX not on the system where is my money at since u guys are in charge of it. Sorry this whole thing is just irritating. And i cant speak to a human without getting a card that i never got or my info working. This has been happening with other people. And also that peoples info and cards have been getting stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MI

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and removed from my credit : XXXX XXXX {$730.00} XXXX-remove acct XXXX XXXX {$0.00} XXXX-update to never late XXXX XXXX {$220.00} XXXX remove acct XXXXXXXX XXXX {$5700.00} XXXX remove acct XXXX XXXX XXXX {$520.00} XXXX remove acct XXXX XXXX XXXX {$380.00} XXXX remove acct XXXX XXXX {$630.00} XXXX remove acct. 
XXXX XXXXXXXX XXXX remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im fed up and stressed out. Im sick and tired of seeing wrong information on my report. I will not put up with seeing incorrect personal info that is causing issues on my reports any longer.

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 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: SC

Complaint narrative:
Company trying to collect debt that I don't owe to them. They're not license in my state to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In XXXX I had the collection removed for not being valid and all of a sudden portfolio recovery llc re reported the collection as a new open account. They are commingling fraud and are ruining my credit and abut lift to get an apartment. My data had been found in numerous breaches as well as data breaches from all three bureaus as I found while getting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
-Date : XX/XX/year> -Name : XXXX XXXX -Date of Birth : XXXX -Social Security Number Last 4 ( XXXX ) -Company Information : XXXX XXXX, XXXX, Equifax I am a victim of XXXX XXXX XXXX XXXX XXXX and as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) , I have provided the necessary documents, including a photo ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX. This situation falls under XXXX according to the XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 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 supplied my identification and the required information from the list of acceptable items, which mandates only two documents per the law. I have also included a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
-Date : XX/XX/year> -Name : XXXX XXXX -Date of Birth : XXXX -Social Security Number Last 4 ( XXXX ) -Company Information : XXXX XXXX, Experian, XXXX I am a victim of XXXX XXXX XXXX XXXX XXXX  and as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) , I have provided the necessary documents, including a photo ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX. This situation falls under XXXX  according to the XXXX XXXX Final

Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 supplied my identification and the required information from the list of acceptable items, which mandates only two documents per the law. I have also included 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 2024-07-25 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: MS

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a refund from XXXX for a purchase that I used using my coinbase card in the amount of {$320.00}. They told me that there was a known issue with refunds that has been resolved on Monday XX/XX/XXXX. 

I still have yet to receive the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting multiple inaccurate information on my report Name : XXXX XXXX is in accurate Remove name ID # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation