vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-12-11 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: NJ

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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I was paying for electric utilities from XXXX XXXX in XXXX from XXXX of XXXX. During that time my fees were {$230.00} total. My account was managed and all bills were paid through an online portal. Each time I paid, it would tell me the amount owed and I would pay that amount, no more no less. Last year I was contacted by TSI a debt collection agency that claims I owe XXXX XXXX {$45.00}. As stated I always paid the full amount, and {$45.00} does not correspond to any of my bills from them so I genuinely have no idea where this amount is coming from. I never had any communication from XXXX XXXX about missed or incomplete payments over the course of the 3 years since my account was closed, and I have nearly 100 promotional emails from them over this period of time. When TSI contacted me I asked for more information about where this amount was coming from, which they could not provide me, and the agent I spoke with gave me the option to dispute this claim which I did. I received no word from them for about a year but now they are pursuing this debt once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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 2024-12-11 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: PA

Complaint narrative:
I have been a victim of identity theft. i have not been able to obtain anythig in my name nit a place to live, utility or a bank account. this is really effecting mu livelihood. i have trouble with getring hired and jobs, my background comes back with these accounts and i cant anything by myself. please help me look into these accounts i need ro get my life back. i am only XXXX and this is holding me back.

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 2024-12-11 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: PA

Complaint narrative:
I have been a victim of identity theft. i have not been able to obtain anythig in my name nit a place to live, utility or a bank account. this is really effecting mu livelihood. i have trouble with getring hired and jobs, my background comes back with these accounts and i cant anything by myself. please help me look into these accounts i need ro get my life back. i am only XXXX and this is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed charges with Wells Fargo Bank upon finding unknown charges. Wells Fargo verified 2-3 transactions out of a countless amount were potentially mine. Wells Fargo did not remove additional charges that were included in the dispute list.

Wells Fargo should have very simply, adjust the dispute amount to the actual stolen amount as a reimbursement as requested. Wells fargo also gave reasons of non reimburse that are not listed within the Wells Fargo policy, which is a clear violation that should remanded immediately Basic Example : {$5000.00} unknown charged. {$800.00} verified as account holder charged. Adjustment to reimburse {$4200.00} to credit card.

- Lastly Wells Fargo has failed to provide written communication of reason of denial of reimburse request.

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 2024-12-10 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
My account 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.

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 2024-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I contacted BSI Mortgage about my online mortgage statement dated XX/XX/year>, which showed a monthly payment of {$2800.00}. I had not received the escrow analysis by mail, email, or online. I spoke with a representative named XXXX, who confirmed an escrow shortage of {$1300.00} based on an escrow analysis conducted on XX/XX/year>. She assured me that the escrow analysis would be mailed, and I later received it. 
During the call, I informed XXXX that I intended to pay {$1300.00} to maintain my previous monthly payment of {$2600.00}. This payment was processed from the checking account I provided on XX/XX/year>. 
However, I subsequently received a letter dated XX/XX/year> indicating an escrow shortage of {$22.00} and a new monthly payment of {$2700.00}. On XX/XX/year>, I contacted BSI again and spoke with XXXX, who stated that a new escrow analysis had been performed on XX/XX/year>. She also claimed I had made an additional payment of {$22.00} on XX/XX/year> but advised me to disregard the letter. 
I questioned how I could have authorized a second payment of {$22.00} when the additional escrow analysis was performed on XX/XX/year> ( see letter ) and my only prior call to BSI after XX/XX/year> was on XX/XX/year>. 
I informed XXXX that I did not authorize a second payment of {$22.00} on XX/XX/year>. My bank records show only the single authorized payment of {$1300.00}, with no record of the additional payment. XXXX explained that because the escrow shortage was less than {$600.00}, the loan could not be amortized to reflect my previous monthly payment of {$2600.00}. 
I believe that the representative, XXXX, improperly split my payment into two transactions within BSIs system, which prevented the adjustment of my monthly payment to the desired amount. I never authorized or made a second payment of {$22.00}, nor did I receive a second escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an account with Check n Go and paid the company every payment on time. They have continuously reported my credit incorrectly. I do not owe them any money at all. I borrowed {$5000.00} and repaid over XXXX. They recently sent me a check for XXXX saying it was money they owed me. They are still reporting my account as a collection/chargeoff. Because they know that I do not owe them and they made a error I consider them continuing to report information as erroneous and maliciously intending to ruin my stellar credit history. I am including a copy of their letter and the refund that they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: UT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-11 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: CA

Complaint narrative:
I looked at my report and noticed some accounts are incomplete and inaccurate. I asked for a validation of this debt according to FCRA which ensures the accuracy of consumer credit reports and specifies timeframes for the reporting of certain information.

15 USC 1681a ( b ) Maximum Possible Accuracy of report 15 USC 1681i ( 7 ) Description of reinvestigation procedure. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DUPLICATE ACCOUNTS BEING REPORTED

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX a transaction was made with ATM card. Chase reversed the transaction and then place it back on the card because I had used that XXXX before. It is in the area in which I work. The card was lost in the area in which I work. They did not use my pin or my zip code to make this transaction. Of course they used the card in the area they found it. It's not as if they are going to go far out to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

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 2024-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Had a house fire which resulted in a total loss on XX/XX/XXXX. Insurance company claimed it a total loss in which they sent a check. Called for payoff to Freedom Mortgage explained situation got payoff for {$100000.00} and it was good until XX/XX/XXXX. They sent email where to send payment. I overnighted the insurance ck {$99000.00} and a personal ck {$4000.00} to payoff mortgage to the address listed. It was suppose to arrive on XX/XX/XXXX they said by tracking number they received it on XX/XX/XXXX. I called Freedom Mortgage on Saturday XX/XX/XXXX because I was nervous with the amount of checks and nothing had been posted. I was informed they were sending checks back because they were sent to the wrong place. 
So XXXX XXXX weeks goes by with us calling and asking when they sent these checks back and they said should get them anytime they had already mailed them out. Several attempts to try and get a date they mailed them out. I get on app to check and see if anything new had been sent ect. and long and behold the checks they couldn't accept were there. Deposited. So the amount of one check is in Limbo I guess and the other was put towards XXXX payment with escrow, insurance, and mortgage insurance taken out not only for XXXX but also for XXXX with a payment due in XXXX Now mind you in this process I had sent the adjusters report to Freedom Mortgages loss department. Because it is a total loss. I call Freedom and talk to a young lady who has no clue what to do and is interacting back and forth with supervisor Im assuming. After what seemed like forever Supervisor is irritated and says I'm gon na cut the middle man and is irritated. After XXXX  weeks I was past irritated. I explain to the lady that I am trying to figure out why after they said they couldn't accept checks that my loan wasn't paid off, She got heated. I got past heated and here we go. So she says I'm gon na send you to loss department. You don't get the same ppl and everybody has something different to say or what they need and want to give us a {$40000.00} draw. I explain to her again, this house in a total loss. We dont need money back we need to pay off loan PERIOD!!! They aren't understanding this at all or just want to keep playing a game either way over it!!! So this is where we are after a month of haggling back and forth and what I want from Freedom is to payoff my Mortgage and date it the XX/XX/XXXX when they received the checks.

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 2024-12-10 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: NE

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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. 


XXXX XXXX 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