vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
To my complete surprise, I discovered inaccurate accounts on my credit report today, with no idea how they ended up there. I check my report frequently, but these errors appeared unexpectedly. I even tried refreshing the page, thinking maybe it was a mistake, but the accounts didnt go away. I need the documents Ive provided to be thoroughly reviewed so I can finally put this behind me and stop worrying.

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 2024-09-23 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 XXXX XXXX XXXX  XXXX XXXX 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 payment reported 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 XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 2024-09-23 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: TX

Complaint narrative:
FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/24 Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA XXXX Transunion and XXXX and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA 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 2024-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as Equifax, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/year> Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA XXXX XXXX and Equifax and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/year> Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA Experian XXXX and XXXX and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA 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 explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Accounts were charged off and I never received a 1099-c letter which means that they are reporting incorrectly to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
TransUnion is reporting the inaccurate information on my credit report. Name address, phone numbers, and employer. I would like to remove the outdated and inaccurate information from my credit report, replacing it with my accurate information Under 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 explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Franklin Credit Management Corporation
State: GA

Complaint narrative:
XXXX XXXX is our XXXX mtg. We had a XX/XX/year> loan initially with XXXX credit being around XXXX. XXXX XXXX interest. We have paid XXXX in bankruptcy XXXX regular ontime payments of XXXX for XXXX XXXX years while on bankruptcy. XXXX going to interest with approx XXXX going towards principle. XXXX XXXX says we still owe XXXX more. XXXX paid through bankruptcy plus approximately XXXX paid while on bankruptcy ( outside ) bankruptcy plus payment we've made even before bankruptcy seems predatory. Now saying we still owe XXXX more? Not adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX hacked into my XXXX 's account and wire {$20000.00} to XXXX party account. 
When I received alert text message at on XX/XX/year>, that there is {$20000.00} wire from my bank account. within XXXX minutes, I immediately went to Chase to tell them to stop the wiring while it's still pending. The Chase 's staff at the branch location and online staff were not able to stop the transfer.

Chase sends me a letter to state that it all my fault since I did not protect my password. They will not reimburse me the {$20000.00}. I believe Chase shall find the best way to protect my Chase account.

I want your help to ask Chase to pay me back {$20000.00}.

Chase bank was mistaken close my personal account as the compromised account, they shall close the compromised account of XXXX XXXX. I have set up all my automatic payment with services providers, they were not able to collect the payments, I was report for unpaid bills cause my credit report drop from XXXX score to XXXX score. Causing my credit problems so bad. This is a neglected problems with Chase staff. 

Thanks for your help in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: MO

Complaint narrative:
This account is showing charged off and I never received a 1099-C from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NV

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-23 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:
I was shocked this morning to find inaccurate accounts suddenly appearing on my credit report, and I have no idea why. I regularly check my report, but this time there were errors out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but nothing changed. The wrong accounts were still there. I'm now asking for the documents Ive sent to be thoroughly reviewed so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
I am not associated with these inquiries, and they do not pertain 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 2024-09-23 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 recently reviewed my equifax consumer report and see there are unauthorized inquiries reporting i did not initiate nor did i benefit from any of them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-23 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: FL

Complaint narrative:
My account with DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. 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 XXXX  days before the payment due date. DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I took put an installment loan and the company did not discuss the apr with me. Later I found out that the apr is XXXX  % and I'm paying pack {$6000.00} on a {$2000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
I couldnt believe my eyes this morning when I saw inaccurate accounts on my credit report. Ive been checking it regularly without issues, but today, for some reason, there were discrepancies that came out of nowhere. I even refreshed the page multiple times, thinking it was just a glitch, but the accounts stayed on there. Now, I need the documents Ive sent to be reviewed thoroughly so I can finally put this worry behind 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 2024-09-23 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: AL

Complaint narrative:
Dear CFPB Officer, I am contacting you for the second time regarding inaccurate information in my credit report provided by Equifax. Specifically, I am referring to XXXX  XXXX XXXX account number XXXX, which reflects late payments for XX/XX/XXXX and XX/XX/XXXX, which I believe are incorrect. 

I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Equifax is violating my rights under the Fair Credit Reporting Act ( FCRA ).

Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Equifax and XXXX clearly demonstrates a violation of this provision.

2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, Equifax marked the account as verified without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section.

3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Equifax. 

I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. 

I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This morning, I was surprised to find unauthorized inquiries on my credit report for no apparent reason. I regularly check my report, but this time, things were off. I even tried refreshing my browser to check for glitches, but it didnt helpthe inquiries stayed. I am requesting that the documents Ive submitted be examined closely so that this issue doesnt persist and I can finally have peace of mind.

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