vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
I ran a free credit report to make sure I would qualify to purchase my first home and was stressed and displaced to see so many inaccurate things on my credit report from all three credit bureaus. I've been in an emotional wreck after finding out that such companies that I never heard of nor did I do business with were reporting fraudulent negative items on my credit. I have requested that purchase agreements and contracts be sent to me to show full ownership of such accounts for my own viewing to see if such accounts actually belonged to me. Only I can verified if an account belongs to me! According to 15 U.S.C 1681 Law, there should not be damages on my credit report as it is a deformation of my character. This has left me in a financial burden as I am unable to apply for my first home loan. I owe no debt to these companies, they are violating my consumer right to privacy, and I didn't give no permission to report anything using my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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:
I ran a free credit report to make sure I would qualify to purchase my first home and was stressed and displaced to see so many inaccurate things on my credit report from all three credit bureaus. I've been in an emotional wreck after finding out that such companies that I never heard of nor did I do business with were reporting fraudulent negative items on my credit. I have requested that purchase agreements and contracts be sent to me to show full ownership of such accounts for my own viewing to see if such accounts actually belonged to me. Only I can verified if an account belongs to me! According to 15 U.S.C 1681 Law, there should not be damages on my credit report as it is a deformation of my character. This has left me in a financial burden as I am unable to apply for my first home loan. I owe no debt to these companies, they are violating my consumer right to privacy, and I didn't give no permission to report anything using my personal information.

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 2024-06-18 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-06-18 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: PA

Complaint narrative:
Good morning, I have 2 missed payments shown on my credit report for my XXXX XXXX XXXX. I thought I had paid it, but if I was truly late, is there any way to remove those two impacts on my credit report?

I am trying to rent my own apartment, and it's my credit history that is jeopardizing that for me. I really hope that you all can help me with this situation. 

Thank you so much! 

Payments missed : XX/XX/XXXX and XX/XX/XXXX. 

I am currently in good standing with my auto loan. I pay before the due date and have a stable great job where I am now able to pay down my loans. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ) XXXX This will honestly help me so much! 

Thank you tons!!

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 2024-06-18 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: IL

Complaint narrative:
I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: AL

Complaint narrative:
In XXXX to XXXX of 2024, I filed a disputes with Transunion and XXXX Credit reporting agencies about the unverified collection account of XXXX XXXXXXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. 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 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Someone opened an account in my name on XX/XX/year> for {$690.00}. with Sunrise Credit Service. I've never even heard of this company, let alone been into there place of business. I've had to lock my credit accounts because of this. I tried to dispute it, but they keeping right on calling " stating I responsible for this account, which as I stated above I never opened up in the first place. The account number in question is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
ACCOUNT WAS OPEN IN MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have sent numerous requests and provided information that proves we did not benefit from the fraudulent charges on our Chase credit card. I emailed more backup on XX/XX/24 after receiving a call back from my first CFPB complaint and have called repeatedly all to no avail. I faxed more information today XX/XX/24. We have been trying to get this resolved since XX/XX/24 and have had the charges taken off and then put back on twice. Our statement is due today and we do not want to be charged interest if we refuse to pay this onerous, fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MO

Complaint narrative:
My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX 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 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX XXXX, JPMCB AUTO FINANCE and XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XX/XX/year> JPMCB AUTO FINANCE XX/XX/year> XXXX XXXX  XX/XX/year> 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: Open Dealer Exchange, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
HYUNDAI MOTOR FINANCE has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/2023 2023

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 2024-06-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX to XXXX of 2024, I filed a disputes with XXXX and Equifax Credit reporting agencies about the unverified collection account of XXXX  XXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
I am a victim of identity theft where an XXXXXXXX XXXX XXXX was opened without my consent nor knowledge. I have submitted an FTC report and a police report regarding this matter. According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, any information resulting from identity theft, including fraudulently opened accounts, must be promptly blocked from appearing on my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint against M & T XXXX XXXX for False Claims in Violation of 18 U.S.C.section 1001. Failure to fulfill its obligations required by Secretary of XXXX XXXX Theft of real property. Submission of false misleading & forged documents and records to State & Federal authorities. Violation of FDCPA rules and regulations. Submitted false & misleading Loss Mitigation claims with XXXX XXXX Submission of false & misleading documents and records for the purchase & sell of said property. Violated 12 CFR section 226.39 ( a ) ( 1 ). Violated 15 U.S.C.section 1641 ( f ) ( 1 ) filing false foreclosure documents & records on said property. Violated 24 CFR section 203.604, 24 CFR section 203.605, 24 CFR section 203.606. Falsely representing itself as Lender & Proprietor of the subject FHA insured obligation & fulfill its duties by Federal Laws. Under 24 U.S.C. section 203.604, 203.605 & 203.606. Submitted forged & falsified notarized Assignment of Mortgage. Falsely presenting as Mortgage assignee & Original Lender as assignor. Falsified original Mortgage note with forged & counterfeit documentations ( I have a duplicate of Original Note, agreement and/or contract ). Public Records look nothing like duplicate provided from Original Lender. Submitted false & misleading information to XXXX claimed have acquired Mortgage in XXXX. M & T Bank/Mortgage Corporation has never provided any proof, contract, or agreement on how they become involved with this Mortgage. M & T Bank/Mortgage Corporation again claimed that they acquired the Mortgage in XXXX ( No record ). XXXX  records shows M & T as Servicer. M & T doesn't show up on FHA spreadsheet until XXXX. In XXXX M & T entered a Loan Modification with Buyer that was never reported to XXXX. The Original Lender was acquired by XXXX XXXX  in XXXX. M & T did not secure the Assignment of Mortgage until XXXX. M & T used deceptive means in signing off on Assignment of Mortgage & Promissory Note. They used an XXXX XXXX  employee who falsely represented herself as an Original Lender 's employee, in actuality she is an XXXX employee who sign the Assignment of Mortgage & Promissory Note as Original Lender 's Mortgage rep. Last I filed a few FOIA requests. M & T ignored my request. Provided alternative information instead of what was requested.

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 2024-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: NV

Complaint narrative:
We're in collections with our timeshare that we're in the process of canceling. At XXXX, they claimed that they were not obligated to validate the debt even though we asked XXXX  in writing within the time allotted by law. 

They need to stand aside so we can continue to work with XXXX to cancel our contract. The debt is disputed. There's nothing to argue. They're just being unreasonable and breaking the law.

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 2024-06-18 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: MO

Complaint narrative:
My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX 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 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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