vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported to be removed/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. I have requested proof that this inform
ation 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!

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 2024-10-11 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: OK

Complaint narrative:
As of today I have sent 3 notices to cease contact to my place of employment and to provide validation of the debt. 

XX/XX/XXXX - via a ticket submission to their website XXXX XXXX notice delivered to their email XX/XX/XXXX - XXXX notice delivered to their email Today, XX/XX/XXXX at XXXX XXXX, they called and left another voicemail on my work phone. So I sent an additional notice to cease and a notice of intent to file complaints for their violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMCB CARD Chase Card Services XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Last XXXX of XXXX XXXX The following account was charged off XX/XX/year>. Since then the account has been updated as charged off every month. This is an update in payment history. Charged off accounts should not include active payment history. Under the Fair Credit Reporting Act, creditors are required to report accurate information. If there have been payments or changes to the account status, creditors should update this information accordingly. As I understand, under IRS regulations, creditors are required to report canceled debts of {$600.00} or more using Form 1099-C. 

I am demanding deletion of the following account. 
JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: PA

Complaint narrative:
On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. XXXX. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a XXXXne time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. XXXX. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX XXXX the Letter Response from XXXX XXXX XXXX The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. 5.The account also reflects negative available credit of - {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. **ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED, PLEASE SEE CREDIT REPORT WITH ERRORS HIGHLIGHTED**

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 2024-10-11 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: PA

Complaint narrative:
On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. XXXX. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a one time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. XXXX. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX XXXX the Letter Response from XXXX XXXX : The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. XXXX account also reflects negative available credit of XXXX {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. **ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXXXXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED, PLEASE SEE CREDIT REPORT WITH ERRORS HIGHLIGHTED**

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 2024-10-11 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2024 a hard inquiry was added to my credit score from XXXX XXXX and JPmorgan. I disputed it with XXXX stating it was fraudulent. The dispute was denied by XXXX XXXX. I reached out to XXXX XXXX as this was not me. No one from either banking nor credit could assist me. One representative even said dont worry no account was opened. I inform him thats great but the inquiry needs to go. He transferred me to another department that also couldnt help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
I had a garnishment overturned by XXXX District court in XX/XX/XXXX XXXX and XXXX refused to notify the department of treasury or anyone that my payments no longer where to be sent to them and on XX/XX/XXXX the department of treasury issued them a check I was told XX/XX/XXXX that they had no payment for me from the department of treasury I called again days later and was told I would have to wait 60 days for XXXX and XXXX to send me my refund check XXXX I was told that on XX/XX/XXXX a check was sent in the mail to my correct address I told them I never received it but I check with local postage XX/XX/XXXX I was told the check had just that day came back to them returned mailed and the check was actually sent XX/XX/XXXX but they would have to locate it within their return mail so they can send it again XX/XX/XXXX I was told they found it but have to wait to reissue it and they dont know how long it will take after they told me the original check was good for 90 days and theyd just resend it in the mail I never owed them anything I was wrongfully accused they are offering no interest or to expedite my payment or even other payment options they said they only accept and only issue checks out they have an online payment portal which allows debit credit or ach payment methods I feel defrauded this has collaterally created hardship for me after months for money I needed at its appropriate due time to keep my self afloat these people are committing fraud and breaching the court agreement they are telling blatant lies everytime I call there is a different story or different reason they found I didnt receive my payment and theirs nothing they can really do but and advise me to wait and apologize for the inconvenience but these same people sued me and garnished my pay and continuously refuse to send me MY MONEY THAT I GET UP AND GO TO WORK FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-11 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
The personal information section that is reporting on my credit report is inaccurate and I need this information to be updated ASAP. I will be sending my correct personal information so you it can be updated immediately.

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 2024-10-11 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I asked them repeatedly to stop calling me. To send me a signature of signing up for this service. They did not so I refused to pay.

Also I never gave anyone permission to contact me or harass me from any collection agency.

15 USC 1692c specifies that a debt collector may not communicate with any person other than the consumer, his attorney, a consumer reporting agency, the creditor, or the attorney of the creditor, in connection with the collection of any debt, without the prior consent of the consumer or express permission of a courtXXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation