vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-23 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Cash App Transaction Error and Unresolved Negative Balance Dear CFPB, I am writing to file a complaint regarding Cash Apps mishandling of transactions and the negative balance they have caused on my account. Specifically, this issue involves a purchase I made through XXXX XXXX XXXX XXXX XXXX system. 

On [ insert date ], I made two purchases : 1. {$120.00} Initially recorded as pending 2. {$19.00} Posted and completed The total amount of these purchases was {$140.00}. However, Cash App only posted the {$19.00} charge while the {$120.00} transaction remained pending, leaving my account negative. I contacted Cash App multiple times to request that they correct the pending transaction and provide clarity, but they have refused to do so. Additionally, the {$120.00} transaction was incorrectly labeled as transportation, when in fact, it was a hotel-related charge. 

Despite providing proof that the correct balance for these transactions is now {$0.00} ( as Cash App requested ), they are refusing to void or clear the pending charge. I have made multiple attempts to resolve this issue through Cash Apps support, but their responses have been inadequate, and they continue to ignore my request for detailed information about the transactions. 

This error has caused unnecessary financial hardship by placing my Cash App account in a negative balance. I am requesting your assistance to compel Cash App to : 1. Void or clear the {$120.00} pending transaction 2. Correct the transaction labeling to accurately reflect a hotel-related charge XXXX. Provide a detailed and accurate breakdown of the issue Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reporting Loan Transactions in Compliance with XXXX XXXX Format for Consumer Report of XXXX XXXX Dear Experian XXXX, I am writing to formally request the inclusion of loan transaction data on the consumer report for XXXX XXXX, whose details are listed below. The loan in question is being reported in compliance with XXXX XXXX formatting standards and aligns with your policies for reporting closed-end, unsecured loans with collateral. Please ensure that this data is correctly reflected in the consumer 's credit file. 

Borrower Details : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( if applicable ) : XXXX Loan Details : Account Number : XXXX Loan Amount : {$10000.00} Interest Rate : 0 % Loan Type : Closed-End, Installment Loan Payment Schedule : XXXX monthly installments of {$3300.00} First Payment Date : XX/XX/XXXX Loan Status : Active as of XX/XX/XXXX ( Partial Release of Collateral ) Collateral Information : Element XXXX Smart TV, Serial No. : XXXX XXXX XXXX XXXX Smart TV, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Payment History : First Payment Date : XX/XX/XXXX - {$3300.00} ( Cash ) Status : Paid in Full, resulting in partial release of Element XXXX Smart TV as collateral. 



Please report the loan status and payment history in accordance with XXXX XXXX guidelines using the following parameters : XXXX. Account Status Code ( XXXX ) : XXXX, performing XXXX. Payment Rating ( XXXX ) : XXXX ( Current ) XXXX. Special Comment Code ( XXXX ) : Loan secured by collateral XXXX. Account XXXX ( XXXX ) : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX ) : Reflect current, timely payments. 


XXXX. Date of XXXX XXXX ( XXXX, if applicable ) : N/A, account is current. 



This data reflects accurate reporting for XXXX XXXX and is based on documented loan agreements, security interests, and payment records already filed with the State of California ( XXXX Financing Statements ). Please update the credit file for XXXX XXXX accordingly. 

Thank you for your attention to this matter. Please confirm once the data has been added to the consumer report, and feel free to reach out if any further documentation is needed to facilitate this request. 

Sincerely, XXXX XXXX XXXX XXXX Ct XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : 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 2024-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
This lawyer didn't give me any services concerning XXXX XXXX XXXX XXXX, yet after she got her fees she did nothing as appointed XXXX by the company. I feel that she was part of the scam. She didn't work for me at all. This company has been in XXXX since the beginning of the year, which that when her fees was paid off. Which I feel that she should informed me than. Until I called her to ask why my bill was not getting paid, in the mean time I have spoken to her several times doing that time.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-23 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX/XXXX/2024, a {$200.00} charge from the XXXX XXXX in XXXX, Georgia occurred in my checking account. I live in Colorado and have not left the state in several months. On XX/XX/year>2024 I received the statement of this purchase and called XXXX to file a fraudulent charge claim. A few days ago they reversed the claim, and the XXXX agent told me there was not enough evidence, and since XXXX XXXX was used it made it harder to prove the charge was fraudulent. Further actions I could take, according to them, was to file a police report and contact the vendor to get any information about the purchase. I was also told that even if I obtain further documentation, there is still no guarantee they can reenact the claim. XXXX 's was not able to provide any further information, they told me to file a fraudulent charge claim with my bank- which I already did. I tried to file a police report but since the fraudulent purchase occurred in Georgia I was not able to submit it through my local police department. I am not sure what else I can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I recently began receiving debt collection calls about an account that I did not open or authorize. I was not aware of this account until the collection activity started, and it has since appeared on my credit report without my consent. This unauthorized account is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: OH

Complaint narrative:
My accounts 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/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 XXXX  days before the payment due date.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: OH

Complaint narrative:
Got a {$500.00} loan, but due to fees and interest the total loan amount due is {$760.00}. It is more that the loan itself! How is this ok? I been making {$92.00} payments and something should be going down but its not. I am tired of being taken advantage of! And this is my hard earned money. This needs to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I do not have any knowledge of this debt and I have not signed any contracts with this company and I would like for this to be removed from my credit score or show me a letter of validation showing where I signed a contract with them for this debt that has been closed or charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report. 

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.

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 2024-10-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
After reviewing my credit report, I found errors related to 15 USC 16c-2. The inquiries listed were not authorized, and the misinformation is hurting my credit. I kindly request the removal of all unauthorized hard inquiries. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have an account with 5/3rd bank in Florida for XXXX XXXX  when we are there XXXX - XXXX  XXXX. XX/XX/XXXX I opened the account online to realize a {$250.00} XXXX withdrawal was made on XX/XX/XXXX by a person we do not know, printed, signed and having my account # write on it. I immediately called the Florida branch to report. First thought by them was a clerical error, let me check and will call you right back. A few minutes later I got a call back saying my husband XXXX, was there and showed ID, flat out lie. We don't use that account past XXXX. I asked how he acquired this information, by cameras?? He could not answer that. I was concerned what other personal information does this person have about me. The clerk sent me to the disputes department. First thing they said was the transaction happened over XXXX days ago. My reply, so you don't care money is passed out of your bank without proper ID?? They finally agreed to do a dispute. XXXX days later I received a letter by mail declining my dispute due to the XXXX  day expiration time. I called again to the branch and pleaded my case and again got sent to the disputes dept. This time it took over XXXX  days to get the same decline letter. I finally got the branch in Ohio where this all had happened and got a person there willing to help me. It took XXXX XXXX months of fighting to get my money back for a bank error. I still have no explanation how it all happened in the first place. I did file a police report which is still under investigation. I have never had such poor customer service with a bank or their lack of concern of an error made by them without proper ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Bank of America to apply for a home loan. I chose them because I am a customer, and they have my information and account statements. On XX/XX/XXXX, I received a pre-approval letter for an amount of {$260000.00}. From that moment, the service they provided was very poor. The agent, XXXX XXXX, did not answer my calls. I spent almost two weeks trying to contact him without success, but I continued looking for houses because I already had the pre-approval. 

Finally, I was able to contact him and informed him that I had found a house for {$230000.00}. He requested more documents, and from XX/XX/XXXX, the 30 days for the closing date of XX/XX/XXXX began. Communication improved because he was asking for documentation. Everything seemed to be going well until 10 days before the closing date. I provided the necessary documentation, and on XX/XX/XXXX, just 5 days before the agreed closing date in the contract, another person from Bank of America contacted me to say that I had not been approved because I had not worked for 12 consecutive months. They knew this information from the beginning. If that was the issue, they could have informed me earlier that I did not qualify, preventing me from wasting time and money. 

Now, I am going to lose {$5000.00} in earnest money because the contract states that I have up to 21 days to recover that money if my loan is denied. I will also lose the money I paid for the inspection, appraisal, survey, option period, and the documents already requested from the title company, totaling approximately {$5000.00}. All of this is due to the delay in evaluating my case. Denying a loan 5 days before the closing date is not correct ; it was a bad practice by the bank towards me. 
Additionally, I had to call persistently for them to send me the denial letter, and when I tried to file an internal complaint, the customer service was so bad that it seems my information was never documented

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 2024-10-23 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: NC

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 2024-10-23 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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