vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-09-03 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The inaccuracies on my report has been weighing on me heavily that I no longer find the purpose to XXXX XXXX XXXX. My family suggests that I rely on XXXX to ease my overthinking, but I can not afford anything due to my downgrading credit scores- and its because of these accounts. It would mean a lot for you to remove these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Wells Fargo has downgraded my account from Premium to Everyday checking. I didnt want this change but I dont have a choice now I get charged for things I never got charged for the last nineteen years. I called several people and was offered an upgrade to Premier I just need XXXX XXXX dollars in my accounts. So in order to get a XXXX dollar cashiers check for free like it has been for the last ninteen years I just need XXXXXXXX XXXX? They dont seem to care about losing my business, what a disappointing situation.

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 2024-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Our issue began in XXXX when we accepted Chase BAnk 's offer to suspend mortgage payments. THen when it was over the loan modification process was an absolute nightmare and incredibly predatory. Also, along side all this they are stealing and overcharging our esrow account and inflating the " shortages ''. They will not help you in person in the bank we have gone as high up as a VP at a branch location and she promised to help us but never heard from her again. I have spent XXXX 's of hours and frustration being passed around to different departments blaming the other. 
They claimed to not receive documentation from us and then did an accelerated foreclosure and then recinded that and offered a worse terms modification- they also put us in a XXXX loan and when logged into the dashboard it says XXXX  year. I have proof of all the payments made on time during the modification trial period and beyond. They took all those payments and cant account for them. This alone is over {$10000.00} with of payments. 
It is painfully predatory how they are treating us and we can not be the only ones. I imagine many others are suffering too. We don't have the means to hire attorneys or forensics investigators and all Chase does is make " adjustments '' to paper work and history in their favor and use the escrows to hide what they are doing. They increase our payments way beyond the increase of our taxes and insurance. Also, they will not allow us to remove escrows because that was the predatory term for the modification. 
THey will not let us communicate directly with fannie mae or XXXX XXXX and say that is who our loan is with and blame them. ITs a run around and they intentionally know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
While I was dealing with unfortunate veteran XXXX issues, I placed my house in a loan forbearance with LoanDepot. When the issue was resolved, I put my home out of forbearance to start normal payments and repaying what was owed while the home was in a reference. 

However, LoanDepot solicited a trial period payment plan ; how it was explained to me by Loan Depot on XX/XX/year>, was that the acceptance of the trial period plan would trigger a loan modification request that would change my loan term, payment, and interest rate beyond what was the owed balance. This was not stated in the paperwork for the new terms. Luckily, through asking more questions, the LoanDepot representative revealed that additional information would inherently change the entire terms of the loan, not just a repayment of the balance. I find this dishonest in their paperwork and not in line with the Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp.
State: KY

Complaint narrative:
I bought a XXXX XXXX XXXX with SouthEast Toyota Finance. I had a XXXX XXXX and was out of work and openly communicated this with them once I was physically able ( Around XX/XX/XXXX ). I informed them I was out of work do to a XXXX XXXX and would be moving for a better XXXX XXXXXXXX as well as a better career. I informed them my first check would be XXXX, XXXX, XXXX and that I would start making payments to get caught up then. They said in exact words " Yes ma'am you are all sorted out! Thank you for being open with your communication and we hope you get to feeling better soon! '' They however failed to honor the verbal payment arrangement that had been made. They repossessed my car from my new residence within 2 days of me arriving to the location. When I informed them the entire reason they knew about the move was my calling and notifying them they then denied any evidence of this phone call on record. They have since taken my car and denied me my legal right to reinstate my loan even though this is my first and only ever repossession and I was open in communication. The company has been negligent in updated documentation such as address changes, phone calls and occupational changes. They were not even ensuring I was getting my statements and have been sending them to an old address after I called and updated my address back in XXXX. This being said they have been unprofessional, unfair and incredibly deceptive. Them taking my car has led to me having to pay for XXXX in order to not miss work as well as having to call them multiple times a day for weeks in order for them to try and treat me fairly to no avail. My car payment was not even {$4000.00} past due and they are requesting {$36000.00} within 48 hours for me to get my car back. At this point this is not just negligence ; but also threatening and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: PA

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 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.

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 explanation
Consumer complaint received 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion has yet to contact me and Its been over 30 days since I sent them a letter Transunion has committed fraud a collection from a company XXXX XXXX XXXX XXXX from XXXX was updated to XXXX to add more time instead of Transunion deleting the incorrect collection that was placed on my report without my knowledge or consent They have engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I demand you to remove this account from my credit report asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

Transunion also deleted XXXX XXXX from my report and added it back

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I have tried to open CD or Savings accounts with 3 different institutions, one of which I have had banking relationship with for over 4 years. I was denied opened new accounts, these are not credit accounts, but CD or SAVINGS. Each time they said I was denied as a result of information provided by ChexSystems. 

Chexsystems will only tell me they are not responsible for the banks decisions.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: TX

Complaint narrative:
**Subject : ** Inaccurate Information on Credit Report and Lack of Updates from Credit Karma **To Whom It May Concern : ** I am writing to file a formal complaint against Credit Karma regarding the inaccurate information being reported on my consumer report and their failure to update it with the latest information from XXXX. 

I have noticed discrepancies in the information presented on my Credit Karma report compared to the official reports from XXXX. Specifically, my Credit Karma report shows collections thats been removed years now, incorrect payment history, and other inaccuracies that do not reflect my current credit situation. This account hasnt been updated since XX/XX/year>. I have contacted Credit Karma multiple times to address these issues and requested that they update their report to match the latest data provided by XXXX. Despite my efforts, these inaccuracies persist, and no updates have been made. 

The outdated and incorrect information on my Credit Karma report has negatively impacted my ability to obtain credit and has caused unnecessary stress and inconvenience. As a consumer, I rely on these reports to manage my financial health, and it is unacceptable that Credit Karma is not providing accurate and up-to-date information. 

I am requesting that the CFPB take immediate action to ensure that Credit Karma updates my report with the correct information from XXXX and that they adhere to their obligations to provide accurate consumer reports. 

Thank you for your attention to matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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