vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: SC

Complaint narrative:
I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG.

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.

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 2024-01-17 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: SC

Complaint narrative:
Subject : Dispute of Late Payments on Account [ XXXX ] Dear Sir/Madam, I am writing to dispute the late payments being reported on my account [ XXXX ]. According to the Fair Credit Reporting Act ( FCRA ), the term person is defined broadly, including entities such as XXXX XXXX. 

Reference : 15 USC 1681a ( 2 )  ( A ) ( i ) Explanation : This section establishes the broad definition of person under the FCRA, encompassing entities like XXXX XXXX. It serves as the foundation for disputing the reporting of late payments by such entities. 

Furthermore, under 15 USC 1681a ( 2 ) ( A ) ( i ), a consumer report excludes information about transactions solely between the consumer and the reporting entity, subject to section 1681s3 of the FCRA. As such, reporting late payments as transactions is a violation. 

Reference : 15 USC 1681s3 Explanation : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the requirement for accuracy. It supports the argument that transactions solely between the consumer and the reporting entity should not be reported under this section. 

In accordance with SC Code Ann. 39-5-10 et seq., which prohibits unfair or deceptive practices and acts, the illegal reporting of late payments corresponds with this law. 

I am ordering XXXXXXXX XXXX, XXXX, and Equifax to cease reporting late payments for this account and update it to Paid as Agreed, Never Late. I do not authorize the reporting of these late payments, as they are not only inaccurate but also damaging to my creditworthiness. 

Furthermore, even with a permissible purpose, consumer consent is essential, as mandated by 15 USC 1681b. I do not grant such consent in this case. 

If the account is not updated within 30 days from the receipt of this complaint, XXXX, Equifax, and XXXX XXXX  can be held civilly accountable. I appreciate your attention to this matter. 

Done in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
Subject : Dispute of Late Payments on Account [ XXXX ] Dear Sir/Madam, I am writing to dispute the late payments being reported on my account [ XXXX ]. According to the Fair Credit Reporting Act ( FCRA ), the term person is defined broadly, including entities such as Citizens Bank. 

Reference : 15 USC 1681a ( 2 ) ( A ) ( i ) Explanation : This section establishes the broad definition of person under the FCRA, encompassing entities like Citizens Bank. It serves as the foundation for disputing the reporting of late payments by such entities. 

Furthermore, under 15 USC 1681a ( 2 ) ( A ) ( i ), a consumer report excludes information about transactions solely between the consumer and the reporting entity, subject to section 1681s3 of the FCRA. As such, reporting late payments as transactions is a violation. 

Reference : 15 USC 1681s3 Explanation : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the requirement for accuracy. It supports the argument that transactions solely between the consumer and the reporting entity should not be reported under this section. 

In accordance with SC Code Ann. 39-5-10 et seq., which prohibits unfair or deceptive practices and acts, the illegal reporting of late payments corresponds with this law. 

I am ordering Citizens Bank, XXXX, and XXXX to cease reporting late payments for this account and update it to Paid as Agreed, Never Late. I do not authorize the reporting of these late payments, as they are not only inaccurate but also damaging to my creditworthiness. 

Furthermore, even with a permissible purpose, consumer consent is essential, as mandated by 15 USC 1681b. I do not grant such consent in this case. 

If the account is not updated within 30 days from the receipt of this complaint, XXXX, XXXX, and Citizens bank can be held civilly accountable. I appreciate your attention to this matter. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IL

Complaint narrative:
My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to Transunion and XXXX ; XXXX and XXXXreported to XXXX, XXXX, Transunion ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.

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 2024-01-17 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: IL

Complaint narrative:
My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to XXXX and XXXX ; XXXX and XXXXreported to Experian, XXXX, XXXX ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.

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 2024-01-17 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX i had a wire transfer to XXXXXXXX XXXX, from Chase bank. The payment was never received. I have been back and forth with chase since XXXX, I have not gotten anything resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I would like the inquires to be deleted because I did not authorize these companies to run my credit this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
Remove incorrect addresses

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 2024-01-17 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:
Remove incorrect addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RELIANCE FIRST CAPITAL LLC
State: FL

Complaint narrative:
XXXX Acct paid early XX/XX/XXXX XXXX. CURRENTLY Waiting escrow overage refund! RELIANCE states sent XX/XX/XXXX regular mail but has no way of tracking. They will Not cancel issued check and overnight and stated it would take at least 30 days for a replacement to be issued. OPINION- built in float to hold our funds! How you allow this is unblievable but then again what don't you allow?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Hello I'm XXXX XXXX and I own XXXX on a XXXX XXXX  service in XXXX XXXX  I opened up a venmo account so customers can pay me I started trading cryptocurrency on venmo venmo has suspended my account because they need my proof of identification. I had put money in cryptocurrency because it was going up but now it is declining and I can not withdraw any money because my account is suspended. They're telling me I have to wait 7 to 10 days Will in 7 to 10 days I might not have any money left so I was wondering if this was illegal how can you allow someone to trade on your platform but then you block them to where they can't get the money out and they lose their money. Do Not Trust Venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report.

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consu
mer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. 

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required XXXX XXXX compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.

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 2024-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
I set up auto pay initially on XX/XX/XXXX according to the amount of my repayment plan ( approx. XXXX per month ). I updated my autopay on XX/XX/XXXX to withdraw more than my usual repayment amount, totaling XXXX per month. This amount was properly withdrawn automatically on XX/XX/XXXX as scheduled. I got an alert yesterday from EdFinancial saying that I had 26 days of forbearance left. I did not ever apply for forbearance, so this should not be the case. Today, XX/XX/XXXX, is when my autopay should have been withdrawn. Nothing came out of my account and it is not possible to tell from the website whether I am still successfully enrolled in auto pay. Nothing about my banking information has changed so there is no reason that auto pay should have been turned off. I requested auto pay again just to be sure and made a manual payment just now since the website was saying my payment was overdue. I attached the following screenshots : 1. Confirmation that my auto payment of XXXX went through on XX/XX/XXXX along with my manual payment made today, 2. My email from XX/XX/XXXX that confirms I set up auto pay, 3. Confirmation that I am receiving the 0.25 % interest decrease for being enrolled in autopay, and 4. The alert I received about being in forbearance. Again, I did not apply for or request forbearance.

Company response to consumer: Closed with explanation