vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: AZ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. 
For following accounts 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 2024-09-23 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Phone : XXXX Dear TransUnion, I am writing about an account on my recent credit report. 14 days ago I had disputed fraudulent accounts on my credit report. On my updated credit report I see that I have a collection account from XXXX XXXX XXXX. This account is a fraudulent account I never had any debt with this company or credit XXXX bank. I ask the company to provide me documents but they never did. I had contact my lawyer about this wrongful doing to my consumer report and plan on taking legal action against this company. I been having hardship because of this fraudulent account on my report. My request is to remove the collection account from my credit report under the FCRA law fraudulent accounts have to be deleted from my consumers report and that I'm not liable for any fraudulent debt. This account has impacted me in my daily life. 


Account Name : XXXX XXXX XXXX Account number : XXXX Date open : XX/XX/year> Balance : {$640.00}

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 explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-09-23 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-09-23 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: NY

Complaint narrative:
My credit report shows XXXX XXXX Potentially Negative Date Opened XX/XX/XXXX Balance {$41000.00} Status Account charged off. {$47000.00} written off. {$41000.00} past due as of XX/XX/XXXX. 
Do you see information you believe to be inaccurate? 

This is incorrect, this credit card belongs to an LLC and not me personally and should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Affirm to inform them that I would be late making my payment due on the XXXX of the month and requested that they temporarily change the due date to XX/XX/XXXX to avoid any overdue payment consequences. They said no but assured me that if I paid on the requested date of XX/XX/XXXX my account would remain in good standing. On the XXXX I made the payment to Affirm as agreed and Affirm took an additional payment of {$200.00} ; this effectively prevented my ability to pay other bills from the checking account which I made the payment to Affirm from. Affirm informed me that their policy would allow them to make a refund of an overpayment within XXXX business days of the initial payment, and after XXXX days no refund will be possible. '' When I talked to Affirm again on the XXXX and XXXX to confirm the refund would be made, I was told : " Yes our policy will allow us to make a refund within XXXX business days, however, it may take up to XXXX business days to process your payment. '' When I asked what this meant in relation to their XXXX-day policy. The answer given was ambiguous to the effect that I wasn't given a definitive answer. In the meantime, my other payment due on the XXXX of XXXX was now, and still is delinquent and Affirm still remain insensitive to the problem they have created by taking an unauthorized payment from my account. With hardship, I have arranged to make the payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XX/XX/XXXX- Applied for the XXXX XXXX, XXXX forbearance when I lost my job. 
XXXX XXXX - Employed, called XXXX to stop forbearance plan. 
XX/XX/XXXX - Forbearance paperwork processed for XXXX year of mortgage payments, XXXX XXXX XXXX 
XX/XX/XXXX - XXXX making mortgage payments. 
XX/XX/XXXX- Told an investor buyout was occurring with my loan, nothing could be done per XXXX XXXX. 
XX/XX/XXXX - Called XXXX spoke with XXXX, she submitted request to stop forbearance plan. 
XX/XX/XXXX- receive letter from XXXX in receipt of my request to stop forbearance plan. 
XX/XX/XXXX- Begin working with a lender to sell house, was told the loan was modified and a second lien of {$150000.00} will be due. This partial claim far exceeds the XXXX year of payments discussed and agreed to with XXXX representatives ( approx $ XXXX ). 
XX/XX/XXXX - Called the XXXX XXXXXXXX XXXX XXXX, they see the second XXXX and agree the math does not make sense. Direct me to call XXXX to request a payment ledger and full audit of account. 
XX/XX/XXXX- XXXX XXXX for a payment ledger and submitted a fax to request audit. 
XX/XX/XXXX- Receive the ledger, XXXX large sums are swept in XX/XX/XXXX - XXXX  months after my call to XXXX to request the forbearance removed from my account. 
XX/XX/XXXX - Contacted the XXXX, they said they agree the math is wrong but XXXX decides the math, provides that number to the XXXX  and the XXXX paid the amount. They directed me to file a complaint with the CFPB- the amount for the partial claim far exceed the approximate {$46000.00} which would have been XXXX  months of payments. XXXX has yet to explain why there is a partial claim for {$150000.00} when the paperwork clearly states no late fees or penalties will be added. 
XX/XX/XXXX- receive a letter that XXXX has sold my loan to XXXX XXXX starting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: IL

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 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 2024-09-23 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: SC

Complaint narrative:
I recently checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

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 2024-09-23 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: NY

Complaint narrative:
My accounts 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 to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

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!

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 2024-09-23 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Auto Loan Accounts Reported on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of auto loan accounts that appear on my credit report. These accounts do not belong to me and have been erroneously included in my credit file. The specific details of the disputed accounts are as follows : Creditor/Lender Name : XXXX XXXX Amount Reported : {$21000.00} Creditor/Lender Name : XXXX XXXX Amount Reported : {$7100.00} Creditor/Lender Name : XXXX Amount Reported : {$10000.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information contained in my credit report, and the credit reporting agency is legally obligated to conduct a thorough and timely reinvestigation of the disputed information within 30 days of receiving this dispute notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they include in consumer reports.

Given that these auto loan accounts do not belong to me, I demand that you initiate an immediate reinvestigation, contact the original creditor ( s ) for verification, and take corrective action by removing these inaccurate entries from my credit report. I have attached copies of relevant documents, including a copy of my credit report with the disputed information highlighted and a copy of my government-issued identification, to assist you in accurately identifying my account.

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the information, you are required to promptly delete or correct the disputed items. I also request that you provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with the FCRA 's obligations may result in legal action to enforce my rights and seek any applicable remedies under federal law.

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the correction of my credit report. 

Sincerely, 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 2024-09-23 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: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
RE : Adverse Action Dear SYNCHRONY BANK, I, the consumer and natural person, was denied credit by SYNCHRONY BANK when I applied for a BUSINESS CREDIT CARD WITH SAMS CLUB Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by SYNCHRONY BANK due to the response I received. 
SYNCHRONY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK If SYNCHRONY BANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make SYNCHRONY BANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2024-09-23 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: SLM CORPORATION
State: MD

Complaint narrative:
I XXXX XXXX did not submit credit inquiries to the following organizations : The below are listed on my credit reports as HARD inquiries. Please remove. 

XXXX XXXX XXXX  - request Date XXXX XXXX- Request date XXXX US Dept of Education XXXXRequest dateXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : Request dateXXXX & XX/XX/XXXXXXXX Sallie Mae - Request date XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Request date XXXX XXXX XXXX XXXX XXXX Request date XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I XXXX XXXX did not submit credit inquiries to the following organizations : The below are listed on my credit reports as HARD inquiries. Please remove. 

XXXX XXXX XXXX  - request Date XXXX XXXX- Request date XXXX US Dept of Education -Request dateXXXX XX/XX/XXXX XXXX XX/XX/XXXX Captiol One : Request date-XXXX & XX/XX/XXXX XXXX XXXX - Request date XXXX XXXX XXXX  XXXX XXXX XXXX Request date XXXX XXXX XXXX XXXX XXXX Request date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XXXX XXXX XXXX I noticed transactions on my chime checking account that I didn't authorize I immediately called chime to report it and opened a dispute within 24 hours the claim got denied I reopened it under a rebuttal the total being {$1600.00} that got denied I reopened the rebutle and that once again got denied. I feel at this time chime had now allowed multiple transactions including {$2000.00} at the end of XXXX XXXX to happen for a total of {$3600.00} which is unacceptable and I want my money back

Company response to consumer: Closed with explanation