vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-29 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. : XXXX XXXX {$3100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. : XXXX XXXX {$3100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 XXXXXX/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 2024-11-29 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: CA

Complaint narrative:
My ) XXXX  ) XXXX XXXX XXXX XXXX, account has been reported as a charged off account and as a LINE OF CREDIT. I never had a line of credit with XXXX XXXX as it fluctuated based on purchases. I had difficulty paying through their app and customer support was impossible. 

When true accords became involved they reassured me that once I paid all would be removed from my credit and I could resinstste my account. 

XXXX argued that was not true and instructed me to contact XXXX XXXX. It became a a back and forth to find a resolution. 

I am now getting emails from XXXX  telling me my monthly statement is ready but have not done business and have a closed account with XXXX  for nearly 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: UT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am a XXXX XXXX  from Louisiana and I was request SCRA benefits from KP state Louisiana. I requested information from Affirm customer representative twice, who informed me that she would have to elevate it to another department. Its been almost 3 months and I havent received any information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year> I tried obtain a copy of my Equifax credit report to review before applying for a home loan to purchase a house, only to discover that my file was unable to be accessed do to an error in the spelling of my home address which was the FAULT of Equifax. It has now been a month since I notified Equifax that nor I or any creditors can obtain my report which has since caused me to lose out on the purchase of a house. 

As of today, XX/XX/year>XXXX  when I attempted to pull my Equifax report, there now appears to show NO personal or credit information at all, which causing some serious financial problems for me and my family because of Equifax 's error, this has now put me not only in a financial hardship but the lose of any future chances to buy a home for my family!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
THIS COMPLAINT IS ABOUT FALSIFIED APPLICATIONS SUBMITTED IN MY NAME. Two applications were initiated online using my personal information. The first application was completed end of XXXX - early XXXX. The second application occurred XX/XX/XXXX. 

I receive emails confirmation receipts including application status/results. I called this company post first application and explained my information is being ABUSED online. In addition- they permanently remove me from their systems. Obviously this has not been done and I am taking this complaint up a notch. 

Public information is too much information because theives, scammers and imposter 's have horrible intentions to ruin identities. I have locks on my credit profile, block scam emails, and avoid spam calls. Any and all companies should verify all consumers before approving any loan product! Scammers are applying for loans and utilities in my name. I don't have control over my own identity anymore due to data collection companies selling me online. 

I should be able to give consent before any information is being released and sold. But due to these scammers they are applying everywhere and giving consent to loan shop hop all over the internet with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NJ

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item i am asking you to verify as accurate : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is about the 4th time this has occurred I overdraft the account and then had my employer to sent XXXX to cover XXXX dollars and he did then called the Friday and Saturday I called and spoke with the banks asking why didn't they fix the fees they stated that when the XXXX was placed in the account I had XXXX available then mad the charges charging me XXXX fees of XXXX dollars each. Yet that's not true and when I told them that how is that possible when they send the alert via text indicating the overdraft then I requesting the payment. So how can it be the way they indicated it to be I beg them to fix the fess they put one fee in then took it back off to get a another fee they keep doing this that it's so sad.XXXX of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
This is a follow-up complaint filed to ensure TransUnion complies with its obligations under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block fraudulent, inaccurate, and unverifiable information from my credit report within XXXX business days of receiving a valid dispute. I submitted my initial complaint on XX/XX/2024, providing all required documentation, including an FTC Identity Theft Affidavit and supporting evidence. As of today, XX/XX/2024, TransUnion has failed to comply within the statutory timeframe. 

The following accounts violate FCRA standards for accuracy, completeness, and verifiability : XXXX. XXXX XXXX  Inconsistent Reporting Across Bureaus : Listed as Open with XXXX, Closed with XXXX, and Collection with TransUnion. 
Contradictory Charge-Off Balances : Reported as {$370.00} without a Date of First Delinquency ( DOFD ), violating FCRA 605 ( c ). 
Inconsistent High Credit : High credit amounts differ across bureaus, making the account unverifiable. 

XXXX. XXXX  Contradictory Reporting : Listed as Collection with TransUnion but Closed with XXXX. 
Missing DOFD and Payment History : Key reporting dates are missing, violating FCRA 605 ( c ).

Unverifiable Account Details : No resolution or classification details are provided, making the account unverifiable. 

XXXX. XXXX XXXX XXXX XXXX XXXX : Essential delinquency dates are not provided, violating FCRA 605 ( c ). 
Unverifiable Creditor Classification : The creditor is listed as Unknown, violating FCRA accuracy standards. 
Contradictory Statuses : Reported as Charged-Off but with active past-due balances, creating inconsistencies. 

Violations of the FCRA These accounts violate multiple provisions of the FCRA, including but not limited to : XXXX. FCRA 1681e ( b ) : Failure to ensure maximum accuracy in credit reporting. 
XXXX. FCRA 605 ( a ) : Prohibition of unverifiable and outdated information. 
XXXX. FCRA 605 ( c ) : Mandate to report the Date of First Delinquency ( DOFD ) accurately. 
XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Obligation to block fraudulent and unverifiable accounts within XXXX business days. 
XXXX. FCRA 609 ( a ) ( 1 ) : My right to access all information used in credit reporting. 
XXXX. FCRA 611 ( a ) : Requirement to conduct a thorough reinvestigation of disputed information.

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 2024-11-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-29 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: IL

Complaint narrative:
This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I sold my home and closed the sale on XX/XX/year>. The title company paid Mr. Cooper the balance of my loan in full on XX/XX/year> via a wire. As of yet, XX/XX/year>, I still have not received my escrow funds. 

Three weeks after the loan was paid off, I still hadn't received my escrow funds of {$4800.00}. Since I had plans to travel out of the United States for an extended trip abroad, I called Mr. Cooper and gave them the address of my sister 's house in XXXX, which is where I would reside during my trip. They took the address information and said they would issue the check 20 days after the loan was paid off. 

On XX/XX/year>, I contacted Mr. Cooper via message chat regarding the whereabouts of my escrow monies as I still hadn't received a check at the updated address provided. It was then I learned they had not updated the address. They said they issued to the check to the address of the home I had just sold. Needless to say, I didn't receive mail at a house I no longer live in/own, nor a country I won't be back in for another week. Furthermore, that is not the address I provided to them to send the check. 

The representative said they could issue a wire if I e-mailed a voided check or a deposit form. It was during this conversation that I learned about Mr. Cooper overcharging me on interest for a pay-off date of XX/XX/XXXX instead of XX/XX/XXXX. I also learned that Mr. Cooper charged a {$25.00} fee for the loan payoff because it was requested via e-mail not postal mail. In light of real estate fraud, it's disgusting a company would charge an expedited fee to deliver a pay-off statement via e-mail to the title company, which is more secure than paper via the US postal service XXXX 

On XX/XX/year>, per the request of Mr. Cooper, I sent a copy of a deposit form to my checking account for a wire transfer of my escrow funds. 

On XX/XX/year> I received an e-mail from a Mr. Cooper representative stating he would need a voided check in order to process the request. 

On XX/XX/year>, I sent a copy of a voided check to Mr. Cooper. 

As of Friday, XX/XX/year> I have still not received my escrow funds. 

I have a transcript of the chat conversation from XX/XX/year> and the e-mails from XX/XX/XXXX and XX/XX/XXXX. I also have the loan payoff showing the escrow amount owed to me, the expedited fees they charged to e-mail the loan pay-off and the interest overage I paid. I am happy to provide any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I was permanently suspended from Zelle for no absolute reason. I was a loyal customer of Zelle, never had any issues nor was told the reason for my ban. I am banned under the phone number XXXX. Please fix this, I am a single father trying to make ends meet and the only app I trust is Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-29 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2024-11-29 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-11-29 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: IL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-11-29 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 have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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