vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
Inquiries on my credit report that I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-11-06 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: TX

Complaint narrative:
Inquiries on my credit report that I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: FL

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 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 2024-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
XXXX XXXX  I tried opening a Robinhood account and had an issue to login there after. Unfortunately that login issue was never resolved, and my account was never used or closed. I am requesting to close the account and provide an evidence, which RobinHood is unable to support. They are closing the ticket with no resolution after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: MN

Complaint narrative:
Last year in XXXX, I received notification that my acct was short in the escrow for my property taxes. I told United Wholesale Mortgage that I would pay the XXXX dollars instead of my monthly payment going up over XXXX a month. I sent the check, wrote escrow on the check. They cashed my check. XXXX 's statement came, and it was for the higher amount. I called them, they said I haven't paid the escrow. I told them I sure did. You cashed my check as well. They had to do some checking, and promised to call me back. They called me back a couple days later saying they found the check and it was applied. XXXX statement came, and it said I never paid my XXXX payment. I called back, and found out because I didn't pay the escrow, they declined my payment. I told them, I did pay it, you lost it. The representative I talked to said that this never should have happened. And she was going to do some more checking, and call me back. I never heard back. I called them in XXXX and asked what was happening and they acted like they didn't know what I was talking about about. Just saying I was a month behind and I needed to pay it. By then, I didn't have the XXXX payment because of XXXX and other surprise bills. I asked since this was your fault, and you should never have rejected my payment, if you could put that XXXX installment at the end of our mortgage to clear this up. They said no. I have been fighting with them since. And recently UWH has started charging late fees. I now have over XXXX in late fees. Because of their mistakes.. I have never denied that I owe the payment. I am just asking them to fix their mistake. I recently spoke to a " manager '' very rude to me, stating this will never happen, but you can try writing a letter to the presidents office. The denied also stating it doesn't matter what the representatives say. They don't matter. Again all I am asking for, is the late fees removed, and the payment put to the end of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: VA

Complaint narrative:
This information has been reported without my consent and is damaging to my financial standing.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have called this credit bureau several times asking them to send me a copy of my credit report and to this date I have not gotten one. I tried accessing my credit report online but without success. I do have online accounts with this credit bureau and when I try to sign into my accounts I am having difficulty accessing my credit report. 

So, kindly and please send me a copy of my credit report please.

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 2024-11-06 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 account with XXXXXXXX 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 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. 

XXXXXXXX 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 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 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I have an account with citizens Bank that was opened XXXX XXXX. 
My payments were set on automatic draft. I changed bank cards and updated my new method of payment, only to receive notification that I'm delinquent. Not understanding why, I reached out to Citizens Bank about the error. I was told by an agent that citizen Bank will send a request over to the credit bureau to remove the late payment. Citizen Bank has not honored their word to correct the error. I pay my bills every month on time. This issue is causing me to receive higher interest rates due to the error. I would like for this issue to be rectified swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NJ

Complaint narrative:
I disputed my personal information with TransUnion on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthiness. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ 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 2024-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: KS

Complaint narrative:
For the last 14 months Upgrade.com has been the by-XXXX XXXX of a title ( auto ) loan made to me by the XXXX XXXX XXXX XXXX XXXX 
Since XX/XX/XXXX I have made ( 4 ) phone calls and ( 6 ) emails ( as below ) in an attempt to have them correctly send my title information held by your bank and Upgrade to the XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX failed FOUR TIMES to do this correctly over five months- with two documented times they just googled an address, did not follow instructions, and sent it another address or so they claimed.

Three weeks I go I had my local bank help me buy my loan back from XXXX and pay off your XXXX XXXX. 

They have YET to send me MY auto Title to register my car in my new state despite I have paid off my loan. 

It is my hopes you can cut out the middleman or by proxy lender and get them to SEND ME MY TITLE. 

I would like to be able to drive my car legally after six months of waiting for XXXX, stupid customer service team to complete a simple task that should be part of their daily routine as an auto loan servicer by XXXX. 

Please respond as soon as possible via email. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
I am a victim of trafficking, and the information listed below, which appears on my credit report, is the result of that trafficking. I am requesting that you block this information from my credit report under Section 605C of the Fair Credit Reporting Act.

Accounts to be Blocked : 1. XXXX XXXX XXXX Account Number : XXXX Status : Closed High Balance : {$1100.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$500.00} Remarks : Account Previously in Dispute - Now Resolved XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, Delinquent High Balance : {$22000.00} Remarks : Past Due Date/30 Days Past Due XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$11000.00} Remarks : Unpaid Balance Reported as Loss XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, 30 Days Past Due High Balance : {$2600.00} Remarks : Account 30 Days Past Due XXXX. Extra Account Number : XXXX Status : Closed, 90 Days Past Due High Balance : {$440.00} Remarks : Account Closed at Credit Grantors Request XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Status : Closed High Balance : {$600.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX Account Number : XXXX Status : Closed High Balance : {$720.00} Remarks : Closed or Paid Account/Zero Balance Please block this information from my credit report within four business days, as required by law. I request confirmation of the actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
My credit report lists multiple accounts I dont believe I authorized. Please block and remove these fraudulent entries without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: FL

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 explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
I discovered billing errors on my credit report, with late payments that dont reflect my usual payment behavior. Id appreciate your help in updating my account accordingly.

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 2024-11-06 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: AZ

Complaint narrative:
After a review of my credit report I noticed fraudulent accounts on my report, please remove these reports from my account as it is prohibiting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Fraudulent charges- $ XXXX lost. It was transacted out of my account XX/XX/year> - {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: Westlake Services, LLC
State: LA

Complaint narrative:
I was never informed by WESTLAKE FINANCIAL about not needing to put a down payment down upon purchase, because it's covered under 15 US CODE 1605. Also they refused to mail me a [ BILL STATEMENT ]. I am a VETERAN OF THE UNITED STATES, and I will be treated with the utter most RESPECT AND TRANSPARENCY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: Experian Information Solutions Inc.
State: IL

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 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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I transferred {$5000.00} out of my XXXX account to my checking account. The funds were available on XX/XX/year>. I hadnt used this account in a while and no longer had a debit account. I requested one be mailed to me. They said Id have a digital debit card in the meantime. However, when I went to use that digital card, the bank app showed it was temporarily unavailable. 
On XX/XX/year>, the digital card Was available and I used it to transfer {$1600.00} to XXXX XXXX so I could have access to cash. Also on XX/XX/year>, I got an email from the bank saying my account had been closed and I should Call A phone number they provided me. I called that number to inquire about what happened and they said they closed my account Because I was not in compliance with internal policy and that I should read about that on their website. They also told me they would not refund the money that was in my checking account, which should be {$3400.00}. I asked why and they said that was their policy. I am lost and they wont give me any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-06 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: AL

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 response to consumer: Closed with non-monetary relief