vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: IL

Complaint narrative:
XXXX XXXX  retrieved my credit profile to assess my chance of approval for a loan. Equifax reports that my credit score is XXXX, yet provided XXXX XXXX  a score of XXXX. When speaking to a representative at Equifax 's branch, it was acknowledged that my credit profile reflects a much higher score than what Equifax provided to the bank. When checking their online reporting as suggested by the representative, the score reports much higher than what was provided to XXXX XXXX. This discrepancy caused a denial of funds and major inconvenience for not only myself, but my business. I have previously challenged the accuracy of Equifax 's verification regarding other accounts and now have serious doubts that this was ever done. I request that Equifax be held accountable and challenge the accuracy of verification this company does regarding negative items reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-07-03 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: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX {$910.00} was transferred to a person that I didn't know and not part any contact by me. I file a dispute as soon I notice the transfer and inform my account customer service provider that I didn't approve of the transaction. I received an email by my account and they told me they didn't see an error and couldn't be refunded. I stated to them I go through XXXX XXXX  when sending funds to pay for bills and I don't use their service for that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We initiated a claim through Bank of America explaining that there had been an unauthorized charge for {$17000.00} by a merchant familiar to us but, in this case, that the transaction may not have been authorized by myself. They initiated a claim infestation saying that I could send in my documentation but provided no additional information on how to do this. I have been trying to settle this charge for a long time and have been without the funds which are considerable to me. The Bank answered 11 days later ( with no provisional credit provided ) that they wouldn't pay the claim because they thought the merchant was familiar to me. I had already told them on the outset that the merchant was familiar but that this wasn't the issue. I complained and they " reopened '' the case. I sent in my documents but they then said that they would take XXXX more days to investigate this and since the case was closed and then reopened they were under no obligation to provide me with expedition or with a temporary credit or any such relief while they proceeded.

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 2024-07-03 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: PA

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX : #, XXXX, XXXX XXXX XXXX XXXX  XXXX, Portfolio Recovery : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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:
I AM VICITM OF IDENTITY THEFT. I FOUND FRAUDULENT INFORMATION BEING REPORTED TO MY CREDIT REPORT. THE ACCOUNT XXXX XXXX REPORTING A BALANCE OF {$350.00} OPENED XXXX XXXX, THE ACCOUNT XXXXXXXX XXXX  REPORTING A BALANCE OF {$5400.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX A REPORTING A BALANCE OF {$2100.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX XXXX REPORTING A BALANCE OF {$410.00} OPENED XXXX XXXX AS ALL SHOWN ON MY CREDIT REPORT IS NOT MINE AND WAS NEVER OPENED BY XXXX XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE TO CORRECT 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 2024-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
I missed the second payment due, XXXX harassed, until they shut vehicle down and took it with all belongings still inside. Never received letter to resale, or told when asked balance to get vehicle. Within a month called had money to get vehicle back was told it had already been auctioned off. Never received court date, didnt receive letter that wages where going to be garnished until after wages had already been taken. Also I signed contract with XXXX XXXX XXXX didnt know anything about third party until after XXXX months calling XXXX XXXX  back to make payments and given the number. Its unfair to garnish my wages in XXXX for a vehicle purchased XX/XX/XXXX, 10 years and counting for a car, also paid money down for, and was taking due to XXXX late payment, and within a month sold leaving dependent defenseless and torched to pay for nothing in return, didnt have vehicle XXXX XXXX months. When sold the vehicle, it was never explained or told, that someone can rob a person in such way. XXXX was for XXXX it was sold again within 3 months. This is crazy a low income, mom of XXXX, inflation is high and a company took there vehicle back within the first payment month. At this point garnishment needs to be paid back plus pain and suffering. The main concern is the debt they are saying owed is exempt under state or federal law. 

In the state of Georgia, written contracts have a statute of limitations of XXXX years from the time the debt was due payable, but from the time of default. From your forms sent to me XX/XX/XXXX is when balance went in default. 

You are garnishing wages for a time-barred debt. Also for a contract that you breached, at the bottom of contract its states send a notice at-least 10 days of sale, and I had called in got payment owed, got money up within a month no letter, called and was told vehicle was already auctioned, then asked about my items that where in vehicle. Also my {$2500.00} down payment does not appear to account for anything instead it was added to the amount owed other than subtracted, so where did it go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage provider recently got changed to Mr.Cooper and the monthly payment is same as it would be with in escrow but Mr.Cooper hasnt been paying the insurance. About XXXX $ monthly. my insurance company has even sent the documents and mailed documents mr.cooper requested. But they are still not paying the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a medical collection that has been closed and Experian did not remove it from my credit.

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 2024-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-03 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:
XXXX XXXX Reported : XXXX. XXXX, XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mo ) Account status Closed and No Infromation Account Balance {$590.00} XXXX Reported : XXXX. XXXX, XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Account previously in dispute - Now resolved by data furnisher Original Creditor Name XXXX XXXX Account Balance {$2800.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Original Creditor Name XXXX XXXX Closed and No Information Account Balance {$160.00} I ask them to reinvestigate my accounts I got my investigation back and I noticed they didn't update it or modify my information. 
From Experian, XXXX, XXXX. Violation of Credit law 15 U.S. Code 1681i ( 5 ).

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 2024-07-03 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: TX

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

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

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was scammed by another member of the same bank XXXX XXXX I was led to believe I was renting an apartment and then when the person was paid thru my chime account to her chime account she blocked me. I have continuously contacted chime to try n fix this n they keep denying my request. I have reported this scam to the FBI n the ftc n I told chime this n they do nothing. They are allowing scams to be ran thru there bank. They refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: WI

Complaint narrative:
fraudulent accounts on my credit 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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need my claim number Claim number XXXX to be reopen or re investigation or investigation again or turn into a new dispute and investigation again or give me a one time credit for {$470.00} because I disagree with the decision and I can't dispute it with XXXX and they won't help me get my money back or dispute it for me they told me to contact my bank and dispute it with them etc.My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking 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 2024-07-03 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: PA

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

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

I demand the late payment reported 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 non-monetary relief
Consumer complaint received 2024-07-03 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: PA

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