vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to request the removal of certain addresses from my credit report that do not belong to me. My social security number is XXXX. 

The following addresses have appeared on my report, but I have never lived at or visited any of them : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX Ct, XXXX, FL XXXX XXXX XXXX XXXX Ct, XXXX, FL XXXX I kindly ask that you remove these addresses along with any associated debts or collections from my credit report. I appreciate your assistance in resolving this matter promptly. 

Thank you for your attention to this request. Please let me know if you need any further information from my end. 

Best regards,

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 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
My name is XXXX XXXX. In XX/XX/XXXX, I was served a document regarding a credit card, which I did not recognize. I contacted the bank listed on the paperwork to inquire, and they informed me that a credit card had been opened in my name, maxed out, and sent to collections. I reached out to the collection agency to dispute this because Im a victim of identity theft. They told me the case had already been forwarded to Mandarich Law Group. I then contacted Mandarich Law Group and explained my situation, and they instructed me to complete an affidavit of identity theft and submit supporting documents. I did so, paying for the mailing, but after following up, they told me the documents I sent were insufficient. I asked what additional information was needed to resolve this and was told I would need to file a police report. This is why the police report is dated in XXXX XXXXsince thats when they told me to do it. 

When I appeared in court on XX/XX/XXXX, the judge asked if I was aware of the credit card account, and I told her no. She also asked if I had received any bank or credit card statements for this account, and I explained I hadnt because Im a victim of identity theft. The judge instructed me to gather witnesses and further documents.

Now, Im preparing for the trial on XX/XX/XXXX, where Ill be representing myself, and I need guidance on how to support my case. I want to know what documents will help me dispute this claim and how I can prove my innocence. Additionally, I would like information on filing a motion to dismisswhether its a letter or something I say in court. I should also mention that back in XXXX, I saw this credit card on my credit report and disputed it with XXXX. At the time, the collection agency was listed under a different name, XXXX, before it was sold to XXXX XXXX, which is now involved in the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Three credit cards were processed during the last year without my knowledge : CBNA/THD - The Home Depot - Run on XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> BEST BUY - XXXXXXXX XXXX XXXX I tried to apply for a credit card in XXXX XXXX XXXX for Best Buy and was declined on the premise of there already being an application being processed.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've advised JP MORGAN BANK of their multiple consumer violations against me and they have yet to rectify their illegal actions. I've advised JP MORGAN BANK that I do not want my late payments being reported in reference to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Congress has ruled over transactions to be private and excluded from consumer reports and I'm notifying JP MORGAN BANK to cease all their violations and remove the late payment reporting from all 3 credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX Number : 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 2024-10-22 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: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CA

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

Company 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 2024-10-22 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: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.

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 2024-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am having the same issue with Ally Auto. I have been trying to catch up for a while, but they keep denying me help for the catch up. Well, I was behind XXXX and XXXX, with XXXX XXXX due. Well Last week I sent them XXXX $ which left me owing XXXX for XXXX and XXXX bill is due XX/XX/XXXX. I am well aware I am at the very end of this loan, and I am doing what I can to pay it off as fast as I can. I only get paid every two weeks ; I don't know if Ally things I something else to get money but at the moment I don't. If I sent them XXXX $ and when I get paid again, I can't send them anything is because I have other bills, such as mortgage XXXX. I have asked for help catching up, this has been going on for a year and a half and I keep being denied and who ever responds here is never accessible to contact after I get off at XXXX. I keep getting messages that they left me notices that from what I have attached I can not see and have not been able to see. I am doing my very best to pay my vehicle off in full, I have not been sitting around just letting it accumulate I have legitimately been working on getting paid off. I am almost finished and there are pulling the same things again blocking my account so I can't see it, I have attached it below. No, I have not tried to call and talk to anyone because it's pointless when it's the same result If I am sending them money as much as I can when I can why be I being threatened and harassed at this point. Ally is very stressful they are also reporting to my credit report that I owe them a certain amount that I don't. I could honestly see if I was paying nothing at all but if I'm sending them XXXX $ and XXXX $ at a time and they wont work with me to catch up what am I to do. I just needed a little help. I didn't hit any lottery number, I don't have it. Here is the Breakdown of what's left on my Car payment, the Total Balance is XXXX, my next payment of XXXX is due XX/XX/XXXX. I paid XXXX $ on XX/XX/XXXX see attached receipt. My past due is XXXX for XX/XX/XXXX, I have XXXX in late fees because I have beeen beeen asking for help to catch up on this account but have been denied for over a year and a half. But I have been still paying as much as I can to catch up. Which if I didnt have all these late fees if I could have gotten some help I would only owe them XXXX $ after the other payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
My husband and I have had the same checking account with TD bank since XXXX. Recently his debit card was used for purchases that he did not authorize. It began in XXXX of XXXX, when he received a phone call asking about 5 specific charges to XXXX. They sounded to him like they were charges for things we get from XXXX, like XXXX storage. He okayed the purchases. Unfortunately my husband is XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We get paperless statements from TD, and I neglected to look at my account online until I got a notice that we were overdrawn. I knew there were plenty of funds in the account as we are just completing a renovation to make access easier for him, and I owe the contractor a final payment. When I looked at my bank statement I saw that there were pages and pages of unauthorized charges to XXXX. The total was over {$95000.00}. I immediately canceled his ATM card, and looked at his phone to see that the bank had sent three additional texts questioning three separate charges, but no more calls. When I began the process of disputing the charges. On one date there were 84 charges for {$50.00}. My monthly statement was 94 pages. I filed 17 disputes with TD, but all were denied. Apparently there were too many disputes because you can only have a certain number in any 120 day period. The bank can not give me a person to contact to file an appeal. The branch XXXX can not help me. I did receive a call from a man in the fraud division who said that he believed all my charges should be reversed, but to date they have only reversed {$360.00}. Every person from TD who has looked at this has said that they can not imagine how this could happen. Me either. My local police department has taken a complaint from me, and are trying to help, but there's little they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY FINANCE CORP
State: NM

Complaint narrative:
Charged off account didn't receive a IRS 1099 C form

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to make a final demand for the immediate resolution of my previous disputes regarding the removal of inaccurate and invalid negative accounts from my credit report. Despite XXXX swiftly addressing these inaccuracies, both XXXX and Experian have failed to take the necessary actions, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My alleged loan began after paying XXXX XXXX XXXX XXXX at closing. I spoke to XXXX XXXX and their paid in full. So why would I need a loan from PennyMac for the same amount. I'll make a copy ofmy paid in full letter as my proof.

Company response to consumer: Closed with explanation