vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and this statement is being composed by me. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I demand the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I am demanding the deletion of these inquiries listed IMMEDIATELY : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
I have tried to dispute this information with XXXXXXXX XXXX and have not seen any results. 
I am writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

According to the Fair Credit Report Act these laws should also be abided by, 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n This account is also reporting two different account under the same account number.

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 2024-09-28 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: PA

Complaint narrative:
I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 

To support my claim, I have included copies of my identification and documentation verifying my correct address. 

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-09-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Data Breach and Erroneous Bankruptcy Reporting on Credit Report Dear Sir/Madam , I am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly 3 billion individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. In addition to the breach, I have discovered an erroneous bankruptcy entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting. Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. Erroneous Bankruptcy Reporting : An incorrect bankruptcy entry has been reported on my credit report. This entry does not reflect any financial activity or bankruptcy on my part. Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous bankruptcy entry and requested a fraud alert be placed on my credit file. I have also monitored my financial statements for any signs of identity theft or fraudulent activity. Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. I also seek guidance on additional steps I should take to rectify the erroneous bankruptcy reporting on my credit report. I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. Thank you for your time and assistance.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, XXXX XXXX XXXX XXXX XXXX have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE & NEGLIGENCE AT ITS FINEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
I have disputed with this company regarding late payments reporting to my credit report. 

I am now writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report for late payments. 
According to The Fair Credit Reporting Act all these laws should apply to my credit report as well. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
I have disputed with this company regarding late payments reporting to my credit report.

I am now writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report for late payments.

According to The Fair Credit Reporting Act all these laws should apply to my credit report as well.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n

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 2024-09-28 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.

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 2024-09-28 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
U.S. Code 1666b falls under the Truth in Lending Act ( TILA ), specifically focusing on credit balances in open-end credit accounts like credit cards.

Heres a summary of what 15 U.S. Code 1666b outlines : Requirement to refund credit balances : If a credit cardholder has a credit balance ( such as overpayment or a returned item ) greater than {$1.00}, the creditor is required to refund it within a reasonable amount of time.

Ways to refund : The credit can be refunded upon the consumers request.

If the consumer doesnt request a refund, the creditor can apply the credit balance toward future charges.

If no activity occurs : If the account has no further activity for six months, the creditor must take reasonable steps to refund the balance to the consumer. 
he purpose is to protect consumers from losing their money to inactive or closed credit accounts and to ensure that overpayments are returned in a timely manner. 

I have stated that I want to close the account am unable to make payments due to hardship of loss of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This the second complaint, After asking questions about mortgage payment and payments toward principle and Escrow, the following day I was sent an email stating that my mortgage payments are going up by XXXX dollars, this is clearly retaliation, for the questioning and negative assistance i got from unprofessional staff, retaliation is illegal from my understanding and internet search as well as AI search. 

When truist took over loan, it seems the payment change, about XXXX dollar higher, this may also be my misunderstanding but loan is not to be modified, I would also like that checked.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
This company is trying to collect a debt that is not mine. This debt is reflecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I processed two separate payments on the same day from two different checking accounts but only one payment is being processed and its causing fees to be charged. 

Ive been having the same issue since 2022 and they say its a glitch or an issue with making back to back payments. 

Now i have XXXX fees since XXXX because again the issue has arisen. And they are unwilling to provide me a callback with the login and navigation logs to show 1- that the payments were scheduled and 2- why they are being rejected/ falling off. 

In addition that, they are unwilling to waive any of the fees, even though they can clearly see that I pay off my balance monthly to avoid any fees. 

This is predatory and negligent on their end as this has been an issue theyve been unwilling to look into ; Im sure Im not the only one having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : XXXX XXXX XXXX United Wholesale Mortgage - Refusal to Waive Escrow Account Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against United Wholesale Mortgage regarding their refusal to waive the escrow account on my mortgage, despite my numerous requests and meeting the necessary qualifications. 
When I took out my mortgage loan, I made a 20 % down payment, which, according to industry standards, should qualify me to opt-out of an escrow account. However, I have been forced to continue paying into this account for more than two years, which results in an additional monthly payment of approximately {$3500.00}. This significant burden is both financially draining and unnecessary in my situation. 
I have reviewed my closing documents, and there is no indication that an escrow account is a mandatory requirement for my loan. United Wholesale Mortgage has failed to provide any substantial justification for their refusal to waive the escrow account. I have reached out to them multiple times to resolve this issue, but they continue to deny my request without any valid reason. 
I believe that United Wholesale Mortgage is acting in bad faith and potentially defrauding customers by imposing unnecessary escrow requirements. I am concerned that other consumers may also be facing similar issues.

I kindly request that the CFPB investigate this matter and assist in resolving this issue with United Wholesale Mortgage. I would like them to waive the escrow account requirement, as I am fully capable of managing my own property taxes and insurance. I also believe that their practices warrant further scrutiny to prevent other consumers from being misled or taken advantage of. 
Please feel free to contact me at the provided phone number or address for any further information or clarification. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
haven't sent any paperwork that shows I owe the debt or provide anything with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I booked two rooms at XXXX XXXX, XXXXXXXX XXXX The reservations were for 4 adults. I booked with Citi Travel. On the XXXX, we called the hotel directly, to confirm our reservations. When we tried to check in that evening, we were told that only one room was available. He said they were over booked due to some convention. Each room only had one queen bed. Thus, we had to drive 70 miles out of our way to find another hotel. 

The man at the check in said he couldn't credit my Citi credit card because the reservation was through a 3rd party. He was saying that it was the 3rd party 's mistake. I feel it was the hotel 's mistake, because we called the hotel directly that morning to confirm. 

XXXX XXXX says that I was not allowed to cancel, because XXXX doesn't allow for cancellations. The irony of this is that I didn't cancel, the hotel canceled. Plus, when I disputed the charge with Citi, the hotel said I made reservations with XXXX. I made it with Citi Travel. 

On XX/XX/XXXX, I finally was given a Citi Travel phone number, XXXX. As it turned out the number I called was a fraudster, who was giving me the refund through XXXX. Being gullible, he was able to hack into my checking account. 

I have disputed this charge with the hotel, and Citi numerous times to no avail.

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 2024-09-28 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: OH

Complaint narrative:
XXXX XXXX reported a collection my my transunion credit report. This was fraudulent. I had filed a police report and an identiy theft affidavitt. i also provided this information to transunion on XXXX and again on XXXX via certified mail. Transunion to-date has NOT removed this fraudulent item. see attached backup. 

Enclosures ( already sent to Transunion TWICE ) : a. Police Report XXXX XXXX b. Identity Theft Affidavit dated XXXX XXXX XXXX XXXX XXXX  CLEARLY STATING THIS CHARGE WAS FRAUD. 
c. Copy of XX/XX/year> Pay Stub showing current address d. Copy of Drivers License e. Copy of Social Security Card

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 2024-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IL

Complaint narrative:
In XX/XX/XXXX I picked up a XXXX XXXX XXXX XXXX XXXX in XXXX IL I did not have an insurance deductable after a XXXX and the company verified nothing was owed at pickup. 
on XX/XX/XXXX the main office of XXXX in Indiana started sending billing of {$340.00} with no explanation. 
I attempted calling the billing dept at XXXX XXXX XXXX, no answer, message was left. There had been no reply. 
XXXX continues to constantly send the bill through another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
when call they ask them for the 1099 because they charger off as a lost and the keep on repeating report on my credit report and they sold it for XXXX and they took gap insurance that was worth XXXX and extended warranty that was worth {$1200.00} the total for everything come up too {$10000.00} and show me {$16000.00} dollors the own to then when they write off there tax i want off my credit repot because they committing fraud when i send over credit bureaus they will not take it off act fcra section 605b it is illega ; l to report informoation on my credit reort without my permission plaase remove this item from credit reort

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 monetary relief