vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Personal Information 1. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries 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  This inquiry was not authorized, please remove it from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
I was reviewing my consumer report and noticed these inaccuracies in it.

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 2024-07-02 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX checks were deposited into the wrong account. XXXX checks for XXXX were deposited into a XXXX XXXX account belonging to XXXX. XXXX checks for XXXX were deposited into a Chase account belonging to XXXX. Then on XX/XX/XXXX the checks were deducted from XXXX account and neither party has been refunded. Where is this money? It was a total of {$4600.00}. Checks written by me ( XXXX XXXX ) were accidentally deposited into a Chase account to the wrong person. Chase deducted the amount and has never given anyone the money. They said a check would be mailed to the person on the Chase account but they never were. Chase has been giving us the run around. I called on Thursday XX/XX/XXXX to file a claim. They took all my information and said to call back in XXXX hours to give me a reference number. When I called back on XX/XX/XXXX, they said they never received anything from us!! I asked where the money is and they told me XXXX XXXX needs to call to claim the funds. I called XXXX XXXX and they said they never heard of anything like this. That it was " fishy ''. Chase provided me with the following reference number XXXX. XXXX XXXX called from the XXXX, CA branch ( XXXX ) and she said she spoke to Chase and there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I SUBMITTED MY DISPUTE for Transaction Error Date : XX/XX/XXXX, XXXX THE POLICE WHO THEN REFERRED ME TO THE CALIFORNIA STATE BAR. 
however, the credit card responded with, " We now consider this matter resolved and have completed our investigation. " due to the dispute is beyond 90 days. '' Any amount placed in dispute will still elitist along with the credit agency will be notified. 

It is important to point out that, I am charged {$2000.00} and I never received any good or services. This is " Unjust Enrichment! ".

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 2024-07-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an existing HELOC with Truist. From the beginning of opening the HELOC I elected at the branch to have my interest only minimum payment be automatically deducted from my checking account also with Truist. Apparently this was never entered into my account and right from the start Truist showed late payments which I disputed multiple times on multiple calls totally well over a few hours on the phone. Please keep in mind EVERY time you call it literally take 3 - 4 transfers before actually getting to talk with someone. It really seems to me this is a tactic they employ to discourage trying to call them and resolve anything. I don't have hours on end at work to deal with this issue day after day. 

On our about XX/XX/year>, my income deposit just missed Truist trying to pull my minimum payment. The funds were deposited the following day. Instead of notifying me, Truist did nothing and I was never notified that they had a running 30 day late for months! It wasn't until I deposited {$50000.00} toward my HELOC that a couple months later when I went to transfer funds from my HELOC to my checking account that my HELOC was frozen. 

Once again I called Truist multiple times TRYING to figure out why my account was frozen and NO ONE could tell me, NOR did they inform me that they are showing I missed a payment months ago! After spending 2 - 3 hours on the phone with everything from their mortgage department to XXXX. I was told I would have to go into a branch for further help because they could not figure it out over the phone. 

I took more time off of work to go into my local XXXX, FL branch only to be told by XXXX XXXX ( Branch Manager ) that my HELOC was frozen due to a missed payment. When I voiced my frustration to XXXX XXXX, she said she could file " an appeal '' to have the freeze lifted. After multiple times trying to get back in touch with XXXX XXXX ( most of the time she is at another branch ) I was informed that I would have to re-apply, provide all the same documents I did for my Initial application. I explained to XXXX XXXX that was unacceptable especially since Truist bears some responsibility for not letting me know after countless conversations and never told my payment was 1 day late and never applied to the correct missed payment. 

XXXX XXXX said she can escalate my complaint to her supervisor ( XXXX XXXX ) who would reach out to me in 24 - 48 hours. That was several weeks ago and still nothing from XXXX XXXX or her supervisor that I called, text and emailed. NO response and my HELOC remain frozen! 

Thank you, 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 2024-07-02 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: IL

Complaint narrative:
My account with ( XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) to be removed.

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

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


( XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-02 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: TX

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.

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 2024-07-02 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: SC

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT INQUIRY DATES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/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 2024-07-02 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: SC

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT INQUIRY DATES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Heights Financial Services Subject : Request for Removal of Predatory Loan from Credit Report I am writing to formally request the removal of a predatory loan from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ). 
I was a customer of Heights Financial Services and have recently been notified that I am a litigant in a class action lawsuit against your company for predatory lending practices. As part of this lawsuit, it has come to my attention that the loan provided to me was issued under terms that violate the FCRA. 
Details of the loan are as follows : - Loan Number : Partial Account Number XXXX - Date of Loan : XX/XX/year> - Amount : {$5000.00} Given these circumstances, I am requesting the immediate removal of this loan from my credit report. This loan has adversely affected my credit score and financial standing, and its presence on my credit report is unjust. 
Please confirm in writing that you have received this request and that the loan will be removed from my credit report promptly. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies 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 explanation
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TX

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.

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 informationisinaccurate.

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 2024-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
The initial loan was taken out on XX/XX/XXXX. Starting on XX/XX/XXXX, I made a small payment of {$88.00}. I made another payment on XX/XX/XXXX of {$97.00}. I was doing this to try and keep up with the interest that is accruing due to it being an unsubsidized loan. Another payment was made on XX/XX/XXXX in the amount of {$200.00}. On XX/XX/XXXX, I made a payment of {$200.00}. On XX/XX/XXXX, I made a payment of {$200.00} and a final payment on XX/XX/XXXX for {$200.00}. I am currently in school, so payments are not required, but I don't want the debt to accumulate. In total, I have made {$980.00} in payments. When I log into my Mohela account, all I can see is the total principal balance and the amount of interest that has accrued. There is no line item showing any credits to my account. When I called on XX/XX/XXXX, I asked for an itemization of all my account activity. XXXX said I would receive that information in XXXX business days. That never happened. I called back on XX/XX/XXXX and spoke with XXXX. He said I would receive the itemized account information in XXXX days. After that call, I received XXXX emails with the subject line " Financial Activity for Loans '' on XX/XX/XXXX, stating that there was information in my account and that I should log in to view the information. When I logged in, nothing was there. When I called on XX/XX/XXXX, they stated that the XXXX emails were an error and I should be receiving the information via XXXX mail. I received XXXX more emails on XX/XX/XXXX with the same subject line. Every time I call, I spend more time on hold than speaking with a customer service representative and when I ask to speak with a supervisor, I am denied that request. I am fearful that some of my payments have not been credited to my account. I can see that my principal balance is lower than the amount I have received in disbursements to my university, but it does not add up to the amount I have paid. Meanwhile, interest is accruing. I am only asking for an itemization of my account, but have yet to receive this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
informed bank i did not want warr covage, dealer informed them also, they did not tk the XXXX off the loan

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