vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: VA

Complaint narrative:
Ive noticed that my credit report contains incorrect personal information, which has led to unknown and inaccurate accounts being associated with my credit profile. This is unacceptable and requires immediate attention.

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 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by TransUnion. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they XXXX be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : [ XXXX XXXX XXXX ] Account XXXX : XXXX. 
Explanation : This account does not meet the permissible purposes outlined under 15 U.S.C. 1681b. I have no record of authorizing the reporting of this information or of the accuracy of the negative remarks associated with this account.

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 2025-01-06 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXA XXXX Subject : Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by XXXX. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they may be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : [ XXXX XXXX XXXX ] Account XXXX : XXXX. 
Explanation : This account does not meet the permissible purposes outlined under 15 U.S.C. 1681b. I have no record of authorizing the reporting of this information or of the accuracy of the negative remarks associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by XXXX. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they may be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : [ XXXX XXXX XXXX ] Account XXXX : XXXX. 
Explanation : This account does not meet the permissible purposes outlined under 15 U.S.C. 1681b. I have no record of authorizing the reporting of this information or of the accuracy of the negative remarks associated with this account.

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 2025-01-06 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:
XXXX, TransUnion, and XXXX have all reported collections on my credit report that do not belong to me. Specifically, the collection from XXXX XXXX XXXX, which states I owe {$510.00} for a XXXX  account, is fraudulent. I spoke with XXXX XXXX from XXXX XXXX XXXX, who confirmed that my last name was spelled incorrectly in their records, and she flagged the account as fraudulent. Furthermore, the {$350.00} charge for XXXXne phone line is unreasonably high and inconsistent with XXXXXXXX pricing, which makes it evident that this debt is not mine. I never had an account with XXXX on my own in XXXX  ; I was on my mothers plan. 

In addition, a collection from XXXX XXXX XXXX, claiming I owe {$470.00} to XXXX, is also fraudulent. XXXX confirmed that I do not owe any balance and advised me to report this charge as fraudulent. 

What is troubling is that XXXX added the XXXX XXXX XXXX collection to my report after removing the XXXX XXXX collection, which had never been on my report to begin with. This raises concerns about the accuracy of the data XXXX is reporting and the lack of proper verification before reporting these collections. My last name was misspelled in one of the fraudulent collections, further indicating that these records were never properly validated. 

I request that XXXX, TransUnion, and XXXX immediately remove these fraudulent collections from my credit reports and thoroughly investigate the accuracy of the information they are receiving from the companies reporting these debts.

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 2025-01-06 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: FL

Complaint narrative:
XXXX, XXXX, and Experian have all reported collections on my credit report that do not belong to me. Specifically, the collection from XXXX XXXX XXXX, which states I owe {$510.00} for a XXXX  account, is fraudulent. I spoke with XXXX XXXX from XXXX XXXX XXXX, who confirmed that my last name was spelled incorrectly in their records, and she flagged the account as fraudulent. Furthermore, the {$350.00} charge for XXXX phone line is unreasonably high and inconsistent with XXXX pricing, which makes it evident that this debt is not mine. I never had an account with XXXX XXXX XXXX XXXX XXXX XXXX  ; I was on my mothers plan. 

In addition, a collection from XXXX XXXX XXXX, claiming I owe {$470.00} to XXXX, is also fraudulent. XXXX confirmed that I do not owe any balance and advised me to report this charge as fraudulent. 

What is troubling is that XXXX added the XXXX XXXX XXXX collection to my report after removing the XXXX XXXX collection, which had never been on my report to begin with. This raises concerns about the accuracy of the data XXXX is reporting and the lack of proper verification before reporting these collections. My last name was misspelled in one of the fraudulent collections, further indicating that these records were never properly validated. 

I request that XXXX, XXXX, and Experian immediately remove these fraudulent collections from my credit reports and thoroughly investigate the accuracy of the information they are receiving from the companies reporting these debts.

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 2025-01-07 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: NJ

Complaint narrative:
This morning, I discovered errors on my credit report, and Im completely confused as to why theyre there. Ive been diligent about monitoring my report, but these discrepancies appeared suddenly. I thought maybe it was a temporary glitch and refreshed my browser multiple times, but it made no difference. Please, Im desperate for you to go over the documents Ive sent carefully to resolve this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 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.

TRANSUNION 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 2025-01-07 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: MA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-07 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Bought the card on XXXX at a XXXX using cash and tried to use it at XXXX XXXX online store and it kept declining. I tried it at several other stores just to make sure and it still declining

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On two separate calls, I was misinformed about account closure and debt resolution procedures. Then, I had a payment of {$190.00} processed to resolve a debt written off prior, despite explicitly not giving permission when asked over the phone. When I was informed of this transaction, I requested that it be reversed, but was told it was final. When I asked for transcripts of the calls so I could have evidence of the unauthorized payment, I was told I could only get them with a subpoena. I was told that the case was being escalated, but I was not given any reference number, I was told no one would get in touch with me and I'd have to call them back at some vague point in the future to find out what was happening with my case.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I placed an order for {$130.00} and recieved an email confirmation. On XX/XX/year> the product had still not shipped. Since I use it for a medical need I contacted them and was told it would ship within 2 days. XXXX XX/XX/year> it still had not shipped so I contacted them again. Due to my dwindling medical supply I paid an extra {$17.00} by XXXX to the company for 2 day delivery. XXXX XX/XX/year> it still had not arrived. I contacted the seller and requested a refund as well as an order cancelation. They acknowledged the order cancelation but only offered store credit as a refund. I contact Capital One to initiate a chargeback process. 

I ordered replacements through another reputable supplier and recieved them XXXX, XXXX. XXXX XX/XX/year> I recieved an package from the seller that acknowledged my order cancelation, through email correspondence they acknowledged this package was for me to keep, even though a chargeback was completed. 

Even though Capital One recieved copies of all above emails, they ended up denying my claim for reimbursement on both the shipping charges of {$17.00} and the original purchase of {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PNC Bank N.A.
State: NV

Complaint narrative:
IM TRYING TO APPLY FOR LOANS AND GRANTS AND POSSIBLE GET A CHECKING ACCOUNT ARE SAVING ACCOUNT IN I KEEP GETTING DENIED FOR WHATEVER REASON I DONT KNOW BUT IM TRYING TO FIND OUT WHY I KEEP GETTING DENIED FOR ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Contacted them for XXXX due to account status and charge off/write-off. I have not received it.

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 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
At all times relevant hereto, Mr. Cooper acted through its designated servicing agent, XXXX XXXX ( XXXX ). XXXX serviced my loan from XX/XX/XXXXXXXX XXXXXX/XX/XXXX and during the period on an after XX/XX/XXXX acted on behalf of Mr. Cooper. On XX/XX/XXXX, I advised XXXX to NOT pay any invoices from XXXX for homeowner policy Number XXXX the amount of {$5200.00}. I advised XXXX that I had secured insurance coverage through XXXX XXXX. I advised XXXX that it would receive an invoice from XXXX, which should be paid. XXXX on either policy didn't become effective until XX/XX/XXXX. I was advised by XXXX as agent for Mr. Cooper that XXXX would not pay the XXXX XXXX invoice but would pay the XXXX  invoice. 

Without my knowledge and contrary to the representations above, XXXX in fact paid BOTH the XXXX XXXX XXXX XXXX invoices. XXXX failed to advise me of the XXXX XXXX payment that I expressly did not authorize. 

I didn't become aware of the improper payment to XXXX XXXX until after XX/XX/XXXXXXXX Upon inquiry to XXXX, XXXX advised : We have completed our research and determined an error occurred. Upon further review, you spoke with our Insurance Department on XX/XX/XXXX, advising us that you changed your homeowners insurance company from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and to not issue a payment ; however, a payment in the amount of {$5200.00} was already pending due to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX sending us a renewal on XX/XX/XXXX. Per our policy, we pay one month in advance, but during this phone call, it was not communicated to you at that time that there was a pending payment. 

Thereafter, I requested that the XXXX XXXX policy be cancelled flat since coverage was in effect at all times through XXXX. XXXX XXXX refused to cancel flat but reimbursed {$900.00} as a partial refund / cancellation. 

Mr. Cooper as principal for XXXX is responsible for reimbursing me or my escrow account the difference, {$4300.00} for the unauthorized escrow payment to XXXXXXXX XXXX  / improper failure to notify me that payment had been made despite the fact that XXXX represented that no payment would be made to XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SoLo Funds Inc.
State: CO

Complaint narrative:
I have been attempting to withdraw my money from my account with solo funds for over 6 months. I have submitted several requests to get my money transferred with their IT department Ive followed every instruction to the letter and still they will not transfer my money to me. Attached is screenshots of my 6 months worth of complaints and the latest error message I received and was told there was no issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief