vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Washington Trust Bank Financial Corporation
State: WA

Complaint narrative:
They repeatedly gave him cards for my account and he refused to pay back the amounts he already took without authorization for a XXXX XXXX XXXX a XXXX dollar transfer another XXXX phone transfers several charges for a company called XXXX the bank wouldn't help me reverse them and the company he got the service through wouldn't refund it there are other charges I can't find the screenshot at the moment

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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 XXXXXXXX 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 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 2024-07-11 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: Veros Credit, LLC
State: CA

Complaint narrative:
Subject : Dispute and Request for Validation of Debt under 15 U.S.C. 1681 and Fair Credit Reporting Act I sent them this. 

I am writing to formally dispute the accuracy of the information associated with the debt listed under my name and to request validation of this debt as stipulated by 15 U.S.C. 1681 under the Fair Credit Reporting Act. 

On [ insert date you originally sent the letter ], I sent your office a letter requesting validation of the debt, including a detailed payment history and a copy of the signed contract which purportedly obligates me to pay this debt. To date, I have not received satisfactory proof or validation of the said debt. 

As mandated by federal law, specifically 15 U.S. Code 1682 and 15 U.S.C. 1681, your agency is required to accurately and fairly validate the information before continuing to report such debt to any and all credit reporting agencies. 

Please provide me with the following : 1. A copy of the signed contract that legally binds me to pay the debt. 
2. A complete payment history on the account, starting from the date the debt was incurred, detailing all payments made and charges assessed. 
3. Any additional documentation or evidence that substantiates the validity of the debt. 

Until these requirements are satisfied, I request that this item be removed from my credit report, as reporting inaccurate or unvalidated information is a violation of the Fair Credit Reporting Act. 

I expect your diligent cooperation and response to this matter within the 30-day time frame set forth by the Fair Credit Reporting Act. Failure to comply may result in legal action including, but not limited to, a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate state or federal agencies. 

Thank you for your urgent attention to this matter. 

Yours sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase did not resolve the matter of neglecting to pay my homeowners insurance and allowing my policy to lapse. They admitted that they assume the policy was paid prior to acquiring my mortgage account from XXXX. They did not provide any information pertaining to repairing my home via lender-placed insurance, nor did they correct their mistake as Ive had to purchase a new homeowners insurance policy at a higher rate than the previous policy that they did not renew and allowed to lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Unauthorized inquiries appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
XXXX XXXX acct number : XXXX Dept of EdXXXX acct XXXX : XXXX XXXX XXXX acct XXXX : XXXX Dept of EdXXXX acct number : XXXXXXXX XXXX CHILD SUPPORT ENFORCE Acct number : XXXX Has violated my rights 15 U.S.C 1681 section 602 : States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account with out my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) section : states no consumer reporting agency may make consumer reports containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX acct number : XXXX Dept of EdXXXX acct XXXX : XXXX XXXX XXXX acct XXXX : XXXX Dept of EdXXXX acct number : XXXX XXXX CHILD SUPPORT ENFORCE Acct number : XXXX Has violated my rights 15 U.S.C 1681 section 602 : States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account with out my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) section : states no consumer reporting agency may make consumer reports containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2024-07-11 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: MI

Complaint narrative:
Im resubmitting my paperwork on the previous complaints. Its the wrong addresses on those accounts I asked XXXX on the phone I NEVER LIVED AT THOSE ADDRESSES ON THE SO I COULD have known payments were late and delinquent. I didnt even know how much was due or when it was due. I have thats a violation my rights. I told submitted a feedback case because I just found the inaccurate information on the website which I didnt fill out. Those arent my email addresses or phone number XXXX XXXX in XXXXXXXX XXXX doesnt exist so I couldve received anything on late payments I told XXXX i dont recognized this addresses or the letter in general. Then my dad and my number is the same number different addresses??? Thats suspicious especially because its no 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 non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Im resubmitting my paperwork on the previous complaints. Its the wrong addresses on those accounts I asked XXXX on the phone I NEVER LIVED AT THOSE ADDRESSES ON THE SO I COULD have known payments were late and delinquent. I didnt even know how much was due or when it was due. I have thats a violation my rights. I told submitted a feedback case because I just found the inaccurate information on the website which I didnt fill out. Those arent my email addresses or phone number XXXX XXXX in XXXX Michigan doesnt exist so I couldve received anything on late payments I told XXXX i dont recognized this addresses or the letter in general. Then my dad and my number is the same number different addresses??? Thats suspicious especially because its no XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-07-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX {$5100.00} Violated MY RIGHTS Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Experian, I am writing to formally dispute the incorrect address listed on my credit report. Despite multiple previous attempts to rectify this error, you continue to report an address that I have no association with. The incorrect address in question is : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I do not live at this address, nor have I ever had any association with it. I have provided proof of my current and correct address, which is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX This is the fourth time I am submitting this dispute. Each previous submission included copies of my drivers license, social security card, and a utility bill, all clearly indicating my correct address. Despite this, the incorrect address remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, Experian is required to : 1. Ensure Accuracy : Experian must ensure that the information they report is accurate. Reporting an address that I have no association with violates this requirement. 

2. Investigate Disputes : Experian must conduct a reasonable investigation of disputes. Given that XXXX and XXXX have corrected this error based on the same documentation, it is evident that Experian 's investigation process is flawed or inadequate. 

3. Correct or Delete Inaccurate Information If the information is found to be inaccurate or incomplete, Experian must correct or delete it. Failure to do so after multiple disputes constitutes a negligent and willful violation of the FCRA. 

This ongoing issue has caused significant distress and inconvenience, and I am prepared to take legal action if this matter is not resolved immediately. Experian 's failure to correct this erroneous information despite being provided with clear evidence multiple times demonstrates a reckless disregard for my rights under the FCRA. 

If this incorrect address is not removed from my credit report within 30 days of receiving this letter, I will have no choice but to pursue legal action for damages caused by your continued negligence. 

I expect confirmation in writing that this correction has been made, and a new copy of my credit report reflecting the correct address sent to 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 2024-07-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
So I paid the balance they close the account without confirming fine. Then the {$56.00} from XXXX that they initially thwarted the whole reason I contacted you guys in the first place because of their gross malfeasance because of their gross misconduct because of their gross negligence with criminal intent are now pulling some retaliatory XXXX The account is closed I had it closed they closed it then they added the {$56.00} saying that they XXXX up again My consulting fees are {$250.00} an hour they owe me 4 hours I've also tried to correct their mistake again and it won't allow me access into the account so I can't even pay them the {$56.00} to XXXX off and go away even if I wanted to because they have a XXXXXXXX XXXX XXXX  XXXX a best man-made XXXX XXXX that is unwanted and unnecessary all together I mowed {$1200.00} for my consulting fees for forcing my hand to once again over and over again correct their gross malfeasance their gross misconduct and their gross neglect and misconduct this is a retaliatory measure and that's why they have the XXXX XXXX XXXX XXXX they're the ones that originated and XXXX  up to begin with and then finally accepting we XXXX  up we're going to issue you the credit and then to go back and the XXXX  up and put it on my XXXX credit report these XXXX XXXX XXXX XXXX I want my XXXX in consulting fees and I want emotional distress because this does not help my XXXX or XXXX these XXXX  need to pay they need to be fined and they need to be XXXX  corrected another XXXX place little XXXX retaliatory passive aggressive XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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 DO NOT recognize the following INQUIRES on my TRANSUNION credit report : 1. XXXX XXXX  XXXX, XX/XX/XXXX. 
XXXX. XXXX XXXX, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX I did not authorize any of these companies.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source ofXX/XX/XXXX, and I earnestly hope for a swift resolution.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. As a result, there are several incorrect addresses listed in my personal demographic profile. I have sent in proof of my identity on multiple occasions to the credit reporting agency and as of to date, my personal data has not been updated to reflect the accuracy of my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NJ

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 explanation
Consumer complaint received 2024-07-11 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: OH

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