vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
An account called XXXX bank credit card was deleted from my credit report due to identity theft. Yesterday I was informed by a credit monitoring app that I placed on my credit report that a derogatory account was added back to my credit report. I checked and realized that a XXXX credit card was added to my account as been delinquent. Now I am not aware of this account and the credit bureau didn't follow the right procedure in having this account added back to my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically in Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify consumers if they reinsert any previously deleted information into their credit report. The key points of this provision are : Consumer Notification Requirement : If a credit bureau decides to reinsert previously deleted information, it must notify the consumer within five business days. This notification should inform the consumer of the reinsertion, provide the name and address of the source of the information, and describe how the consumer can dispute it if necessary.

Requirement to Certify Accuracy : The information can only be reinserted if the furnisher ( e.g., the creditor ) certifies that the information is accurate and complete.

Right to Dispute and Permanent Deletion : If the credit bureau does not follow this process, this can be a violation of the consumer 's rights under the FCRA. If they fail to notify the consumer of a reinsertion, the consumer may be entitled to request a permanent deletion of that item from their credit report, as failing to notify them is a breach of FCRA compliance. 
Due to this violation I am requesting the permanent deletion of the XXXX account from my credit report immediately

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM REQUESTING TO PERMANANTLY OPT OUT AND FREEZE MY REPORT. I AM A VICTIM OF XXXX XXXX AND VICTIM DATA BREACH BY THIS COMPANY. ALSO A VICTIM OF IDENTITY THEFT. I HAVE UNAUTHORIZED INQUIRIES AND ADDRESSES PLEASE FREEZE THIS REPORT AND BLOCK THESE.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I would like to know how much longer I should wait for a credit verification from XXXX XXXX XXXX XXXX XXXX ago to be deleted from my records. I do not have a single late payment on my credit and that is greatly affecting my scores! thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MS

Complaint narrative:
Filed a dispute and Chime is not adhering to regulation e. 

All of the information that they are supposed to provide are not provided and they also misstated what I said in my dispute. Therefore the dispute was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NJ

Complaint narrative:
On or about XX/XX/24 and XX/XX/24 a dispute for charges in the amount of {$40.00} was submitted for merchant billing ( XXXX ). The dispute was denied on multiple occassions. 

Customer sought remedy with merchant ( XXXX ) wherein a settlement was agreed upon in the amount of {$85.00} which was to include : a {$26.00} credit to remain in the XXXX account for upcoming bill ; and {$40.00} for disputed transaction ; and remaining funds as a XXXX time courtesy for the inconvenience which would be returned to the Wisely account with XXXX hours per the conversation with supervising agents. 

On XX/XX/XXXX as per the agreement, a refund confirmation of {$3.00} and a separate confirmation of {$55.00} from XXXX was recieved by customer. Only {$3.00} was recieved into the account. The remaining {$55.00} was not. 

Soon after, Wisely decided to then honor the dispute months after denieing resolution providing a {$40.00} credit which is believed to have been taken from the funds provided from XXXX. It is believed thatvWisely took credit for those funds provided by XXXX in the amount of {$40.00} and failed in addition to make available the remaining funds. Both processes if in fact accurate are illegal and a breach of trust.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed and account that was not reporting accurately I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX 2024 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capitol One fraudulently made a " Hard Inquiry '' on my credit report on XX/XX/year> without seemingly doing any due diligence about it. 
Re : XXXX ID XXXX Capital One XXXX : XXXX While they acknowledged their mistake, they did not provide any information about what happened. As directed in a letter on XX/XX/XXXX, I mailed a notarized request for more information about this to Capitol One. The company never responded to that request and moreover allowed someone to fraudulently open a checking account in my name a few weeks later. In any case, I would like the information I requested about the hard inquiry in May that Capitol One seems unwilling to provide. While the company claims they " have fully addressed my concerns, '' they have not done so.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Im concerned about having no negative effects on my credit yet trans union moves me from exceptional credit rating to very goodwith nothing to list as a reason

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
This card has a {$700.00} credit limit.

It has an extremely high interest rate due to its claim to help rebuild credit.

They have not allowed use of my card for 2+ weeks despite holding {$580.00} payment for 3+ weeks.

They asked me to FAX my ID to them and then hung up on me. Twice.

Further, I would like written proof of their reporting of my payments to credit bureaus.

I am not sure that is happening, either.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

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 2024-11-07 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: NY

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
freedom mortgage is company for 3 years ive been turning in 14 to be exact loan mitagation packets 3 years ago i called was putting house up for sale they said dont we want to help keep you in you house.since then theres been nothing but lies 14 times i turned in packets and every time same problem pay state ments out of date or missing pay statements i even had a lawyer tell me they havent seen a packet so organized and in order.well so much for that i was told to do it over when lawyer would not help i let them go.now two years this XXXX i have not had a kitchen because a small fire stove and cabinets damaged and needed paint.well for a year and 7 months they said painters itn number from irs was wrong till the va got involved and then they said it was a mistake, oh and insurance paid XXXX XXXX to get house fixed but because i was behind freedom would control money.well painter i would hire said XXXX XXXX to paint whole house but inside of closets now after two years paint wasnt XXXX.more where freedom mortgage said there not aloud to raise there price.well we got house painted and waited for the inspector to come so we could get rest of kitchen fixed well there inspector took wrong pictures and had to come back well i called him to find out what was going on where i was cussed out.now also last packet turned in for mitagation after va got involved they said everything was good and by 30 days id hear from them well they never got in touch with me, they have done nothing but lie and deny any help i know they are breaking laws and i know you have fined freedom mortgage i was want to be treated fairly

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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.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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

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

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

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

Company 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collections Inc
State: AL

Complaint narrative:
This debt collector refuses to show a debt validation, and proof of debt owed with my signature. I never agreed upon a third party contract or anything with my information. I dont recall knowing about this debt or how it came about. 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. Theyre abusing my rights and refusing to validate my debt. Their investigation still havent proved anything and they didnt show any documentation on the debt.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In 2023, I purchased an automobile from XXXX XXXX XXXX, and they distributed and others having access to my credit file running multiple inquires on XX/XX/year> from the same transaction. 

The transactions were made by XXXX  XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX XXXX on XX/XX/year>.

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