vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: AL

Complaint narrative:
After careful review of my credit report this debt collection has added an account not mines to the report I have sent cease and desist to the collection asking for VOD none of the documents has been return no further communication or harassment communications and the account needs to be removed I have now started the pre litigation process in violation of my FCRA affidavit advising this account is not mines and proof of identity issue has not been resolved I ask that you remove the account and inquiries immediately identification passport attached copy of one request I have multiple letters, and proof of address from my insurance

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 2024-09-06 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: Security Credit Services, LLC
State: AL

Complaint narrative:
After careful review of my credit report this debt collection has added an account not mines to the report I have sent cease and desist to the collection asking for VOD none of the documents has been return no further communication or harassment communications and the account needs to be removed I have now started the pre litigation process in violation of my FCRA affidavit advising this account is not mines and proof of identity issue has not been resolved I ask that you remove the account and inquiries immediately identification passport attached copy of one request I have multiple letters, and proof of address from my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company 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 2024-09-06 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06 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: PA

Complaint narrative:
This complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I logged into XXXX today to place a security freeze on my credit report. I received the following error : " Sorry, we're having trouble showing the status of your credit freeze right now. '' As instructed, I used the online chat instead. After waiting several minutes for an agent, the agent told me that she was able to apply a freeze for me, though I can not confirm this. She also instructed me to clear the cache and cookies in the browser to remove that error message so that the website would function properly in the future. 

After chatting with the agent, I both cleared the cache and cookies AND tried a completely different browser. The issue persisted with the same error message no matter where I tried. 

I can tell you that the TransUnion freeze option works for my husband, on the same computer in the same browser, so this is not a universal website issue, but a problem with my personal credit profile at TransUnion. I can also report that I have no issues at XXXX or XXXX, so this online credit freeze issue is isolated to only my TransUnion file. 

There is currently no way for me to check the status of my TransUnion credit freeze online, and no way for me to easily apply or remove a freeze on their website, in violation of federal regulations, which require all the credit bureaus to offer this option, and for me to be able to request and confirm the lifting on a credit freeze on their website within XXXX hour. Especially given the recent massive data breach, this has troubling implications for both the security of and my access to my credit, which TransUnion is required by regulation to help me both safeguard and access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: KS

Complaint narrative:
My account with EXPERIAN 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


EXPERIAN 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!

Delete 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 explanation
Consumer complaint received 2024-09-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-06 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 ( CREDITOR NAME ) 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 in ( MONTHS REPORTING LATE ) to be removed. 
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.

( CREDITOR NAME ) 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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: MI

Complaint narrative:
Report has been removed from XXXX for being fraudulent, report has been removed from XXXX for being fraudulent. Company continues to report to trans union without my consent and has continued to do so for months on end. Company has received a cease and desist for improper communications and violations yet continues to leave issue unresolved. Company would not validate debt and instead attempted to request cease and desist be lifted

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 2024-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I called New Rez about my paid off Mortgage about the escrow refund and when I should expect it. I was first told that it could take up to 30 days for the refund. I tried to advise them that my checking account information because it had changed. They said they will issue a check for the remaining escrow. There was a little over {$1700.00} in the escrow account. I have waited well beyond the 30 days which should have been 20 business days. I called recently to see if they had sent the check and they told me that the money from my escrow was used to pay off my mortgage. I advised them that the money was in trust to them to pay on taxes and insurance not for the payoff of the mortgage. This is not with the same loan company. I have read the regulations and this servicing company is not sending my refund due to the payoff balance was not sufficient to pay off the loan? They sent me the paperwork of the payoff and deed transfer to the new servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MA

Complaint narrative:
Consumer name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of birth : XX/XX/XXXX. Contains of complaint : This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.B. Section 1681c-2 ) that you, the TransUnion credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Buisness days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of hard inquires at 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I Do Not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquirys appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirys are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint XXXX XXXX XXXX XXXX XXXX XXXX as Proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, or hard inquiries are the result of identity theft and fraud.

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 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
Yes I have 3 transactions that were unauthorized on my cash app account I had got 3 deposits 1 of them was cash I deposited myself and the other 2 deposits were sent to.me but the weird thing that happened is all 3 were used to make XXXX purchases and who ever did this on my account with my money got the XXXX  and sent it to someone's wallet address in XXXX some persons who ever sent it on some site called XXXX I did a little bit of researching through the XXXX  explorer so far that's all I found out my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number on account is XXXX but my personal number is changed to XXXX XXXX XXXX if you need to get ahold of me and my other email is XXXX that's my business email I am owner of construction company anything else you need from me let me know but I tried to resolve the issue with the company and cash app doesn't Want to do anything for me and that ain't right unauthorized transactions means someone was in my account other then me and I need my money back it totals out to about XXXX dollars refund is all I'm asking for because they say they are insured for people who are victims of fraud and I know by law they are requires to do a refund for me in the amount of losses I suffered from. Order Type Market Order XXXX Purchase Price {$59000.00} Bitcoin Amount XXXX XXXX Total Purchase Amount {$200.00} Fees {$3.00} Taxes {$0.00} Total {$200.00} XX/XX/scrub>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 explanation
Consumer complaint received 2024-09-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-06 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 consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need my dispute claim Claim Reference Number : XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. My name is XXXX XXXX XXXX and contact me at 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 2024-09-06 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: FL

Complaint narrative:
Incident Description : XX/XX/XXXXXXXX  XXXX I initiated a dispute regarding an entry on my credit report with Experian, XXXX and XXXX. The entry in question pertains to an accounts that does not belong to me. 

Actions Taken : I submitted several formal disputes through online portals and mail to Experian, XXXX and XXXX. 

I received a response from all three bureaus stating that the investigation would be completed within 30 days. The response indicated that they would contact the creditor to verify the accuracy of the information. 

I followed up with as the investigation period had expired. I was informed that the outcome was that they were able to verify the accounts were mine and when asked for the original signed contract, I never heard back. 

Amounts Involved : The disputed entry involves : XXXX XXXX I show the balance on my Experian report as {$3400.00}. XXXX I'm not sure of the balance. XXXX XXXX {$120.00}. XXXX XXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX  {$1500.00} and XXXX XXXX XXXX {$590.00}. 

Current Status : As of XX/XX/XXXXXXXX the issues remains unresolved. I have sent additional documentation, spoken with a representative, etc. However, the incorrect information is still appearing on my credit report, affecting my credit score. 

I request that you forward these comments to the companies involved to ensure that this issue is addressed promptly and accurately. I am looking for a resolution that includes correcting or removing the inaccurate information from my credit report. 

Thank you for your attention to 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 non-monetary relief