vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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:
XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 these ACCOUNTS : Public Record : XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, 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 # ( XXXX ) 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.

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 2024-08-02 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: MA

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 I am filing this complaint for falsely 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A letter was sent to the bankruptcy court to ask why this information was submitted to credit bureaus. They stated that it was not submitted by them. That information was sent to XXXX XXXX to ask why this information was sent to the credit bureaus. They stated that they did not provide the credit bureaus with this information. Credit bureau will not remove the bankruptcy from my credit 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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to formally complain about 2 lawsuits filed against me by Chase Bank over unpaid credit card debt. Despite my numerous attempts to address this debt, Chase Bank has made no effort to work with me to find a resolution at any time. 

Due to the circumstances of the COVID-19 pandemic, I experienced a significant loss of income which has severely impacted my ability to meet my financial obligations. This was communicated to Chase on multiple occasions. At every turn after a series of questions when assessing assistance I was eligible for they concluded " no assistance can be offered ''. I was once offered a settlement of 50 % of the balances only after the cards were cancelled by Chase, however Chase wanted one lumpsum payment immediately, and when I called back days later they said that offer was no longer on the table. Additionally, I have faced my own long Covid illness, further complicating my financial situation, so a lump sum payment is no use with medical debt. 

As a XXXX employee, I continued to work tirelessly to ensure public safety during the darkest days of the pandemic. The emotional and physical toll of these challenging times has been immense, and the added stress of these lawsuits are deeply concerning. As a XXXX employee I should not bear the brunt of the financial impact brought about by the pandemic. The setbacks I faced while being on the front lines, including working with Covid testing kits, should not be a reason to be sued. I prioritized the health and safety of the nation above my own, we were once called heroes, it certainly does not feel like how a hero is treated. 

Despite reaching out to Chase Bank on multiple occasions in attempts to reach a mutually beneficial resolution, I have received no cooperation. Instead, they have chosen to pursue legal action, which I believe unjust under the unprecedented circumstances. 

I kindly request your assistance in addressing this grave matter. I am seeking the dismissal of the 2 lawsuits filed by Chase Bank and an opportunity to resolve this debt through alternative means that take into account the hardships I have faced due to the pandemic and my ongoing health challenges. Specifically I am seeking the dismissal of the 2 lawsuits and Chase working with me on a reduced agreeable amount commensurate with not only my health issues but my commitment to the public health and safety of this nation. 

Your prompt attention to this matter would be greatly appreciated, and I am hopeful for a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently visited my doctor for a XXXX XXXX that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Experian report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The error is as follows, Also known as XXXX XXXX XXXX ( NOT ME ) ; ADDRESS : XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ( NOT MY ADDRESS ), AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX NOT MY ADDRESS ).

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Report Number XXXX I have found numerous things wrong with this account on my report. 
On page 5, account XXXX In Account Info section : Recent Payment information is missing. Terms information is missing. 

In the Payment History section : All information from the opening of the account to XX/XX/XXXX is missing and from XX/XX/XXXX to present is missing. Also, XX/XX/XXXX shows a late payment which is impossible because I was using auto-pay at that time. 

In the Balance Histories section : The PAID column is completely inaccurate. It shows a {$97.00} payment on XX/XX/XXXX, then shows a XXXX dollar payment on XX/XX/XXXX seven times which is confusing and inaccurate. Also, in XX/XX/XXXX, it says a XXXX dollar payment was made on XX/XX/XXXX which doesnt make sense at all and is inaccurate. Also, all of the payment information from the opening of the account through XX/XX/XXXX is missing completely. 

Please correct all of the information listed above or delete the account from my consumer report. 
Consumer report attached.

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 2024-08-02 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: FL

Complaint narrative:
My accounts with XXXX XXXX XXXXXXXX XXXX AND XXXXwas 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 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. 

XXXX XXXX XXXX XXXX AND 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 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 2024-08-02 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: FL

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXXXXXXwas 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 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. 

XXXX XXXX XXXX XXXX AND 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 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 explanation
Consumer complaint received 2024-08-02 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:
Good Evening, Today I Had To Request A Copy Of My Credit Report Because I Am In The Process Of Getting Ready To Purchase My First Home. After Receiving This Copy Of My Credit Report I Noticed A Few Account On There That I Never Opened, & Immediately Realized That My Identity Has Been Stolen. As You Can Imagine This Has Had A Serious Negative Impact On My Credit. Please Assist Me In Moving These Fraudulent Account On My Credit Report Expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX sent one invoice for the balance after insurance payment and I paid the balance through my XXXX account, which I have confirmation. 
A month later, Prince Parker, a debt-collector called me for the payment. I informed them that I already paid and requested to check with the debtor. After two weeks, the debt collector sends a notice for payment. 
I do not deserve this harassment from the debtor nor their debt collectors for a balance I already paid. First they need to Improve their accounting process before they play this dirty game of extortion.

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 2024-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Subject : Dispute of Unlawful Eviction Reporting and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the reporting of an eviction and the subsequent handling of this debt by Santander Consumer USA, the third-party debt collector. I request validation of this debt, as I was not properly informed of the debt nor provided with the necessary notification to dispute it. 
Inaccurate Information : - Reporting of eviction and debt collection Reason for Dispute : Lack of proper notification and validation of debt Not a Debt Collector : In Santander Consumer USA Inc., XXXX XXXX XXXX XXXX ( XXXX  ), the Supreme Court held that Santander was not a debt collector under the Fair Debt Collection Practices Acts ( FDCPAs ) second definition of debt collector under 15 U.S.C. 1692a ( 6 ). Applicable Consumer Laws : Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws, I am entitled to challenge the accuracy and legality of the information reported on my credit report. The relevant sections include : - 15 U.S.C. 1681g : Provides consumers the right to request and receive all the information that credit reporting agencies have on file. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires furnishers of information to provide accurate information and prohibits reporting information with knowledge of its inaccuracy. - 15 U.S.C. 1692g : Requires debt collectors to provide validation of debts upon request and prohibits deceptive practices. - 15 U.S.C. 1692e : Prohibits false or misleading representations by debt collectors. 
Legal Precedents and Lawsuits : There have been legal precedents and lawsuits that support my dispute. Notably : - Case : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : This case emphasized the obligation of debt collectors to validate debts upon request and to correct inaccuracies. - Case : XXXX XXXX XXXX XXXX XXXX : Addressed the improper reporting of non-validated debts on credit reports. 
Regarding XXXX XXXX XXXX XXXX and XXXX XXXX : - Case : Settled lawsuit ( Hypothetical Example ) : Previous tenants have successfully sued XXXX XXXX XXXX XXXX for not providing proper eviction notices and violating the FCRA. Regarding Santander Consumer USA : - Case : FTC v. Santander Consumer USA : This lawsuit addressed deceptive practices and improper debt collection methods, leading to stricter enforcement of validation and notification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNT : XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : 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 explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : 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 explanation