vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of ID theft and noticed several credit card accounts and auto loan account on my credit and I noticed some unauthorized accounts on my credit report. The following accounts are due to ID Theft. I have notified TransUnion several times with out results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2024-10-08 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: NC

Complaint narrative:
Im confident Ive always paid on time, so I dont understand why Im being reported as late for some months. According to USC 1666b, any billing mistake should be corrected and shown as paid as agreed.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im confident Ive always paid on time, so I dont understand why Im being reported as late for some months. According to USC 1666b, any billing mistake should be corrected and shown as paid as agreed.

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 2024-10-08 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
I have requested the full complete application on several occasions from this company. I want to see my had written signature and also Any identification that was used to state that this is my account. I sent 3 letters XXXX They have failed to provide any information that validates I signed my so future and provided a picture ID or social security card to get this credit card. They sold the account and now a third party is trying to collect on a debt that is written off and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
This has been going on for the past XXXX weeks originally XXXX XXXX this company has refused to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: MN

Complaint narrative:
Monday, XXXX XXXX XXXX we contacted NOVO Bank in regards to our account being frozen, after we were informed about the issue with our merchant/payment provider for our website notified us they were unable to deposit into our account. 

We asked why our account was frozen and were told " we can not tell you why and can not give you a timeline. Sorry for the inconvenience '' We then asked why they can't tell us that, and all we got was a copy/paste of the same exact response to the first question. 

We then asked if it was possible that we could just close the account and withdraw the funds that were in the account so we can bank elsewhere. NOVO then responded by NOT responding and closing the communication chain on us. 

This was done all via their chat option online, as they are not a physical bank and do not have a phone number listed anywhere that we could find to be able to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My XXXX XXXX XXXX  contract has been breached. XXXX XXXX -- a fully registered bank improperly transferred my mortgage to a debt collector that offers non of the banking and financial service products I expected when I entered into the agreement with them. 

XXXXXXXX XXXX has also breached multiple fiduciary and contractual obligations as I have previously stated in my correspondence to them and in the complaint filed with the CFPB. 

XXXX XXXX  retaliated against me in improperly transferring my mortgage as the transfer was immediately after I sent a demand letter to the XXXX XXXX XXXX. 

XXXX XXXX  also failed to provide me the 30 day notice requirement - filing the transfer with XXXX XXXX clerk the day after the notice letter was dated. I never received the notice letter in the mail and only after I requested documents ( multiple times over the courses of several years ) via email. 

I have experienced multiple incidents of harassment, preditory and retaliatory behavior in the course of my attempt to remedy the multiple contract breaches by XXXX XXXX. Please not the attached corrrespondence, inclusive of the detailed description of failure to disclose PMI matters, failure to provide promised forbearance remedies and resumption of my mortgage payments, failure to account for checks sent in good faith as I attempted to resolve this matter. 

Select Portfolios claims that they are unaware of the issues and have not received any of the information I sent to XXXX XXXX however correspondence from XXXXXXXX XXXX  dated XX/XX/XXXX indicates that they were provided with correspondence from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/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 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 XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-08 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: PA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Freedom, This is in regard to my account : XXXX which I have had 2 separate calls in XXXX with your agents to close the call. In both cases the agent confirmed that the account was closed. The agent said I would receive a letter that the account was closed on each call. Only the 2nd letter was received confirming closure. Additionally, the credit reporting agencies have subsequently received updates from you in XXXX reporting my account as still open, which is in conflict with the information confirmed by both of your agent. 

I have filed a complaint at Chase Freedom already based on the failure to close the account as reported with the credit bureaus, and have not received an update from that process with Chase Freedom. 

Please see attached police report with item in question listed by the XXXX police as fraudulent. 
" XXXX XX/XX/XXXX, " XXXXXXXX XXXX XXXXXXXX '' in the amount of {$130.00} '' The balance and related interest charge to this charge should be removed from my account immediately. 

Agents confirmed verbally in XX/XX/XXXX and XXXX on phone calls that the account was closed ( and should reflect as closed with the credit reporting agencies ). 

As a longstanding ( now previous ) customer of Chase Freedom, I am still shocked at the poor experience overall dealing with the fraudulent use of our account. Please review the entire set of calls dating back to early XXXX in regards to this case. A couple times, agents would ask the same question multiple times until they received the response they wanted vs. first response from the card holder. 

All attempts to remediate this fraudulent charge have been met with either automated or boilerplate responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX XXXX I ordered two box springs from XXXX XXXX for {$190.00}, the money was immediately taken from my account. On the day of supposedly delivery I never got my items even though I paid for it, I reach out to XXXX and inform them, they said wait. I waited nothing happened so I reached out to Chime to try and get a refund back they made me wait. I had to reach out to the XXXX XXXX XXXX and file a complaint against XXXX, Ive a email from XXXX stating XXXX never reached out to back out to them about my situation. I also ordered a hoodie online from XXXX clothing line, the hoodie was {$70.00} they took the money for that was on XXXX XXXX. I reach out to both the lender and Chime nothing happened. I never received my money for both transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: CT

Complaint narrative:
While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

I have attached an FTC Report. Please remove these inquiries from all credit bureaus.

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 2024-10-08 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: AL

Complaint narrative:
The past disputes were sent for these 2 accounts over 60 days ago that were unverified and not accurate in reporting. This is a violation of the FCRA and I DEMAND THAT THEY BE BLOCKED AND DELETED FOR NOT MEETING FCRA REQUIREMENTS. NO VERIFIED PROOF WAS SENT TO ME TO PROVE THAT THESE ACCOUNTS ARE TRUE AND ACCURATE. DELETE AND BLOCK THEM FROM MY CONSUMER REPORT IMMEDIATELY OR FURTHER LEGA ACTION WILL BE TAKEN.

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 2024-10-08 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX. I received a charge for XXXX for XXXX XXXX XXXX I called TD bank to dispute while transaction was pending. Representative mentioned they cant do anything until it post. Waited a day and called back. Placed a claim for transaction. 

Background : my card was expired XX/XX/30 I requested a new card. Never received it. My card was more likely intercepted in the mail. 

XXXX is not a normal transaction in my pattern of usage. if you check Ip address that card was used online. It will not match anything I own if thats even possible. I cant be responsible for this change. This is a nightmare. Complete Fraud and TD is not taking this crime seriously.

There were no other transactions around this date. Because I did not have the card in my possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-08 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the slience XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. no, nor therefore, any such that in fact exist. ( please remove this account before I see litigation for determination of character. ) XXXX XXXX XXXX balance {$140.00}.

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 2024-10-08 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: NJ

Complaint narrative:
I'm filing this complaint regarding late payments incorrectly reported on my credit record. After reviewing my records, I discovered these inaccurate entries. I sent letters addressing this issue over 30 days ago but have received no response or satisfactory validation.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm filing this complaint regarding late payments incorrectly reported on my credit record. After reviewing my records, I discovered these inaccurate entries. I sent letters addressing this issue over 30 days ago but have received no response or satisfactory validation.

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