vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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 account with TRANSUNION 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.

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!

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 non-monetary relief
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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 2024-08-19 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: NE

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 2024-08-19 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, another account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$640.00} account # XXXX, another account XXXXXXXX XXXX opened on XXXX {$290.00}, XXXX XXXX {$420.00} opened XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, and hard inquiries 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 inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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:
Dear CFPB, I have found an account called XXXX under my name that is fraudulent. The company XXXX, notified me about this fraudulent account and confirmed it in an email, which I have attached for your reference. Additionally, they have verbally informed me that they have requested the credit bureaus to remove the late payment associated with this f fraudulent account. 

XXXX XXXX XXXX Reported : XXXX XXXX XXXX I requested numerous times from XXXX to correct it, enclosed are the documents sent. 

Despite these actions, the negative mark remains on my report, causing major damage to my credit. I urgently request that you take immediate steps to ensure that the credit bureaus either remove the late payment or remove the full account from my credit report. 

Your prompt attention to this matter is greatly appreciated. 

Thank you.

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 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I ordered a XXXX package from a seller who assured me to go on Paypal for it's protections for the transaction. On XX/XX/year> I received a damaged XXXX delivery from a seller. The XXXX box received was full of dents and punched in making the product I received essentially unusuable with pieces cracked inside and damage. I contacted Paypal immediately explaining this issue and was reassured that Paypal 's Buyer Protection would protect me as one of their policies for an item being significantly not as described is the package being damaged during shipment. Unfortunately, not only was I not protected but my case was closed. Every time I tried to appeal, the representative on the phone seemed very sympathetic and thought I definitely should have won as the item received was clearly damaged. However, my appeals were denied in favor of the seller. They stated that they could not protect me since the package was apparently damaged after shipment. When I asked for evidence showing that the package was fine upon delivery, they ignored me. 

Going onto the XXXX website to check on the tracking, under proof of delivery is a picture of the delivery mans legs. The seller, XXXX warehouse or the delivery driver among others could have damaged the package during shipment. Contacting XXXX and even they said it was weird the deliveryman did not take a picture of the package but instead of their legs which I have attached as an image below. Paypal further advised me to open a XXXX claim which I did and reported the damage and XXXX accepted there was damage. However, the seller was uncooperative and send a nasty email after the Paypal case was closed in their favor essentially laughing at me. I have attached the image in this case. 

I am asking for some sort of compenstation or restitution from Paypal for this issue. Even if a full refund/replacement or return is not possible, I would like Paypal to issue me some sort of courtesy credit or partial compensation for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
According to US Code 1681b Permissable Purpose, the law states that you are not to furnish a credit report on a consumer without permissible purpose. The exclusion section of 1681 also states the term credit report does not include information solely as to transactions such as payments and payment history. You have invaded my privacy multiple times and I plan to seek legal action. The accounts XXXX, XXXX XXXX and XXXX should be removed immediately. I have accessed paper work and will file a new lawsuit if no action is taken. XXXX has removed a XXXX XXXX account from my report. It should not eve showing on any other 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 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
on XX/XX/XXXX tmx finance also known as title max had my car towed out my driveway due to missing a payment. i caught the man in the act and he was very belligerent and abusive he slammed my daughters XXXX  in the car when she as trying to retrieve her daughters car seat they told us to shut our XXXX XXXX  i tried calling title-max and they refused to take my payment over the phone. XXXX miuntes after they took my car i was able to make a XXXX in person at the local office this amount was not the amount the corporate office told us it was it was a XXXX XXXXXXXX more then we were told they never sent any type of notice they never called me to let me know i was late, the tow company they use dragged my XXXX XXXXXXXX XXXX by the back of the car causing my stabilizer bar to break on my rear axle. they tore up my driveway to the house that i rent. which my landlord is now holding me responsible to fix. XXXX hours later and many phone calls title-max could not tell me where my car was they kept telling me it never made it to their holding facility finally on XX/XX/XXXX i got a hold of someone at the corporate office and they told me where my car was and set the appointment to get it the lady i spoke to on XXXX XXXX told me the tow company took it upon themselves along with the local title-max office in XXXX Tennessee XXXX to XXXX XXXX car, The lady that i seen to get my car on XX/XX/XXXX at XXXX at the XXXX car auction located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tennessee XXXX said the tow company was not supposed to hold my car as long as they did. i was able to report my car stolen on XXXX XXXX due to the tow company not doing their job correctly i lost wages and almost lost my job they refused to give me my personal property which some of it belonged to the company which i work for they are charging almost 300 % interest on a flex loan they have broken the breach of peace law in Tennessee and now they refuse to tell me the name of the tow company that took my car so that we can file charges for the abuse me and my daughter have went through. plus they broke my car and they need to pay for it to be fixed. titlemax and tmx finance refuse to give me the name and contact number for their DDO so i can get the name of the company. i have spoke to a lawyer and i fully intend to sue tmx finance however the local office needs to be shut down because they do not communicate at all with people who hold any type of loans. i spoke to many people who have all types of loans with them and they say the same thing they do not try to help in anyway they are rude and honestly they are all crooks this comqapny has a bad reputation and i wish i would have known that before i even applied for a flex loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I requested that Paypal transfer {$1500.00} from my account to my personal checking account at XXXXXXXX XXXX  They claim that the money transferred on XX/XX/XXXX. However, it has not posted to my account. Paypal claims to have run a trace and has given me an ACH trace number. However, my bank has no record of that number. 

My bank has suggested that I have Paypal dispute the transfer. However, Paypal is refusing to do so. 

I find myself stuck in a loop where Paypal insists they sent the money yet my bank has no record of receiving it. I think the problem is Paypal 's refusal to take the step of disputing the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX

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 2024-08-19 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: MD

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report that have resulted from aggravated identity theft. The items in question include [ XXXX XXXX XXXX XXXXXXXX ] that I did not authorize and do not belong to me. 

Under 15 U.S.C. 1681c-2, I am requesting the immediate blocking of these fraudulent accounts. This section of the Fair Credit Reporting Act ( FCRA ) mandates the removal of any information resulting from identity theft upon the filing of an identity theft report.

I am concerned about the integrity of your agency in handling my personal information and adhering to the law. I expect full compliance with the FCRA, and I am apprehensive that my personal information might be mishandled or even sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I purchased an item from this company in mid XXXX XXXX XXXX and immediately returned it ( my house could not accommodate the restrictions of this item ). I was informed that they received the item and that they would refund my account. When I received the subsequent bill for my account, the refund was missing. So I called customer service ( mid XXXXXXXX XXXX XXXX ) and explained that my account was not credited. Thats when I learned that they had established a new credit account and that was where the refund was sitting. I explained that I had no understanding that my refund would be held by the company. No where was that explained to me. So I corrected that the amount should have been put in the account of purchase. It was explained that subsequent purchases are being paid with this new account, and then I requested the remaining finds either be returned to me or the account of purchase. I was told this is not possible. Why is this allowed to be called a refund when I can not access it? And why are they allowed to hold money that belongs to me? The amount of money is several hundred dollars and this is close to if not actual theft of my property. I would like something to be done about this practice, which at the very least is abuse of customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CO

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sec 604 ( a ) ( 3 ) ( F ) CRA violations. Please remove inaccurate information from report to include address updates and unwarranted credit inquires.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sec 604 ( a ) ( 3 ) ( F ) CRA violations. Please remove inaccurate information from report to include address updates and unwarranted credit inquires.

Company response to consumer: Closed with explanation