vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: GA

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 2024-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
We already paid this bill, please contact the provider the payment was made electrically out of my savings account. Reference Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently sent a letter to XXXX letting them know I reached out to the 3 data furnishers on my consumer report to revoke and cease all communication. XXXX has not removed these data furnishers and it's violation of 15 U.S. Code 1692c - Communication in connection with debt collection. In accordance with FCRA- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Hence from subsection ( B ) : Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Therefore these data furnishers do not have my permission nor my consent to even communicate through XXXX as it states '' a debt collector can't communicated through third parties with permission from a judge or " my '' consent. I have revoked and ceased all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
A post was made on my friend 's XXXX by a scammer I messaged him and the impersonater said to send a down-payment so I sent XXXX by zelle on XX/XX/year> the next day I'm notified his account had been hacked money was sent to XXXX via zelle Spoke to XXXX they disputed with zelle ... zelle responds that I am responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
I need to point out that this issue is not just an oversight. My credit report contains errors that are seriously affecting me, and its been causing a lot of stress. These inaccuracies are impacting my life in ways that are hard to describe, especially during these challenging times. I have attached an FTC report for you to check these accounts with a serious approach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account with XXXX was a result of Identity Theft/ Fraud. I was a co-authorized user on this account # XXXX. The account charges that were reult of fraud and charges were ran up on the card. Police report filed with XXXX police Department XXXX, Texas police report # XXXX for Identity Theft/Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XXXX XX/XX/year> I attempted to make a purchase using the Apple Card ( serviced by Goldman Sachs ). The purchase was declined. I reviewed the information, attempted the purchase again with the same result declined. Check my Apple Card account -- the first transaction shows " pending '', the second transaction declined due to insufficient funds caused by the first transaction. Again, my transaction through the Apple Store was not completed. I contacted Apple and Goldman Sachs the same date of the attempted purchases. Goldman Sachs representatives were unwilling to help and said " it would eventually fall off ''. Apple reps attempted to help but the matter falls into Goldman Sachs purview. On XXXX XX/XX/year> I reached back out to Apple who on my behalf reached out to Goldman Sachs to confirm, there was no order placed. Goldman Sachs repeated the answer I received the evening prior. When I asked for the transaction ID and merchant ID a Goldman Sachs representative provided false information, which I later confirmed with Apple and a different Goldman Sachs representative. Additionally, Apple 's consumer rights policy states customers will not be charged until their order ships or the customer receives correspondence stating their item is ready for pickup. Goldman Sachs violated this policy. I asked the Goldman Sachs representatives what the followup actions are if I had reported the charge as unauthorized. They indicated I would be credited the amount, and the activity would be investigated. I inquired what was the difference between the two situations. They were unable to give me a response and again claimed there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: WA

Complaint narrative:
My account with Equifax 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.

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.

Equifax 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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/year> me and my fianc went to chase back in XXXX XXXX XXXX the put it in my account and they said we have to wait 10 days for it to cash in my account. So we waited them 10 days. I seen it in my account on XX/XX/XXXX, it was in my account. So I went to the bank and I was going to cash out some money and the banker told me that my account was frozen and I couldnt touch it. It couldnt do anything. I went on XX/XX/XXXX to do that and I had asked them why it was frozen and why I couldnt touch any of my money Had called the fraud prevention people at the branch and he said because they needed to verify the third-party so I was working to do that. I got the attorney to verify it and my fianc to verify himself, even though he did that when we went to go cash the check to put it in my bank account. They called him because they said that that was what they needed to do to verify him by his phone number they called because he didnt speak XXXX, he speak XXXX. They hung up on him and Ive been to the branch three times then on Tuesday, XX/XX/XXXX I was in the branch from XXXX to until XXXX And they they had told us everything was verified and everything was OK and that we had to wait 3 to 5 business days for the check to be deposited in my new account that we had to make and on Thursday, XX/XX/XXXX, I get a text message around XXXX oclock that they said that my account is in transaction of being closed the new one that we had made on Tuesday and that fragile activity going on and I go into the branch today Friday, XX/XX/XXXX at XXXX XXXX  we were on the phone with the fraud prevention people until XXXX and they said that everything that happened on Tuesday was a lie that the check was never verified and its not going to be released and that the check has been cashed through Chase and that they said that the money is just floating around until they can verify it when everything is been verified with the third-party person and the owner of the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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:
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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
I notice on my Credit reports starting XX/XX/XXXX to present XX/XX/XXXX that the two Bankruptcy are on my credit report. According to the United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. 

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure that my personal information is not disclosed without my consent, as supported by 15 USC 6801, which mandates that financial institutions must protect the privacy and security of their customers ' nonpublic personal information. 

Equifax and XXXX, as consumer reporting agencies, are required to follow these guidelines. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reports may only be provided under the written instructions of the consumer involved. Since Equifax, XXXX, and any financial institutions supplying information to these agencies do not have my consentwritten or otherwiseto share my information, all forms of consent I may have previously given are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of nonpublic personal information disclosure to nonaffiliated third parties. I have not been provided with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information older than seven years, which means the reporting of this account without my consent is unlawful.

Per 15 U.S. Code 1681s-2 ( a ) ( 1 ), no one should furnish information to a consumer reporting agency if they know or should reasonably know that it is inaccurate. Consumer reporting agencies, such as Equifax, XXXX, XXXX and XXXX, are required under 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of section 1681c and ensure reports are only used for authorized purposes. 

Since Equifax and XXXX have not adhered to these requirements, I am exercising my right to opt out of their reporting services, as allowed by 12 CFR 1016.7.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
I notice on my Credit reports starting XX/XX/XXXX to present XX/XX/XXXX that the two Bankruptcy are on my credit report. According to the United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. 

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure that my personal information is not disclosed without my consent, as supported by 15 USC 6801, which mandates that financial institutions must protect the privacy and security of their customers ' nonpublic personal information. 

XXXX and Experian, as consumer reporting agencies, are required to follow these guidelines. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reports may only be provided under the written instructions of the consumer involved. Since XXXX, Experian, and any financial institutions supplying information to these agencies do not have my consentwritten or otherwiseto share my information, all forms of consent I may have previously given are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of nonpublic personal information disclosure to nonaffiliated third parties. I have not been provided with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information older than seven years, which means the reporting of this account without my consent is unlawful.

Per 15 U.S. Code 1681s-2 ( a ) ( 1 ), no one should furnish information to a consumer reporting agency if they know or should reasonably know that it is inaccurate. Consumer reporting agencies, such as XXXX, XXXX, XXXX and Experian, are required under 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of section 1681c and ensure reports are only used for authorized purposes. 

Since XXXX and Experian have not adhered to these requirements, I am exercising my right to opt out of their reporting services, as allowed by 12 CFR 1016.7.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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 account with 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 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 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 2024-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
As of XXXX my credit report shows that I have a balance of {$160000.00} across XXXX student loans, but MohelaXXXX  says I have a balance of {$80000.00} across XXXX student loans. Upon googling, I have seen that other borrowers are having the same issue with credit reports showing duplicate accounts due to the transition at Mohela. This is honestly reprehensible. As a borrower of federal loans, I have no say in who my servicer is. I have tried to resolve the issue directly with Mohela with no luck. I am a first-time home buyer actively applying to mortgages to be able to close on my first home. This is a really really really unfortunate situation to be in, and I had nothing to do with this mistake. Please help me ASAP clear this duplication from my credit report so that I can obtain a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: OH

Complaint narrative:
These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this ILLEGAL/FRAUDULENT account back to my XXXX report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXXXXXX XXXX  Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries 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