vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: PA

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 2024-09-19 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:
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX is reporting this information as a charge off Every month. 
A balance is being reported and a charge off can not have a balance reporting. 
The amount has been reported as a loss for each breauru. 
Equifax is reporting this as being payed as agreed this information is indeed incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
I recently checked my credit report on XX/XX/year>. I've noticed TransUnion is reporting a Collection/Charge-off account with Fair Collection and Outsourcing. This XXXX account # XXXX is currently reporting open account status. I have sent certified letters directly to Fair Collection and Outsourcing ( See Attached Documents ). Requesting that they send me the original contract or documentations providing me with payment history. Along documentations that has my signed signature on it. 
My XXXX attempt was XX/XX/year> was when I sent a certified letter. To the creditor Fair Collection and later received a confirmation signature. That they did in fact received my letter requesting proof of original documentations. 
I mailed another certified letter off to TransUnion. It was also confirmed with a signature. That they too received my letter requesting original documentations. 

I have yet to receive any original documentations, know proof of patience history, not even any form of documentations producing my signature. 
This account is currently reporting opened. 

This account is reporting inaccurate, unverified incorrect information, incorrect payment status information. Which is a clear violation of USC 1681 e ( b ). They have also violated 15 USC 1681 s-2 ( a ) & ( b ), 15 USC 1681i ( A ) ( i ) & ( ii ). According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I ask that XXXX Collections and Outsourcing be removed from my TransUnion credit profile. After numerous attempts of requesting original contract documentations from the collection agency. That they have fail to provide or priduce any documentations.

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 2024-09-19 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: MI

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 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 2024-09-19 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date of Charge Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to 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 2024-09-19 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-09-19 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am patients at XXXX XXXX XXXX XXXX XXXX XXXX I last last visited their office and made a charge with my Sams ( Synchrony XXXX XXXX XXXX XXXX XXXX. To provide some context to this situation, my husband was recently reconciling the credit card account for business purposes when he discovered an unusual charge dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I immediately called XXXX XXXX XXXX and was told it was not their charge and that they did not have an office in XXXX XXXX 

Concerned that an employee of XXXX XXXX may be recording and selling customer credit card details, I called the credit card company on XXXX XXXX to investigate the charge through their online how can I dispute a charge '' process. When I called their customer service staff according to the instructions of their online process, they asked some questions about the disputed charge and then summarily informed that they had cancelled the account without even mentioning this in advance. 

This has now become a huge problem because our online access to historical purchases has disappeared and autopay instructions have to be reinitiated once we receive new cards. ( Not an easy process. ) This is disheartening as I was truly not very concerned about the {$11.00} but simply wanted to make sure that XXXX XXXX XXXX knew if someone in their company was doing something illegal. Unfortunately, my good intentions became somewhat of a disaster for me. 

So far, the credit card card company refuse to... 
- Say when replacement cards have/will be sent. 
- Provide a copy of their company SOP on their policy to automatically cancel an account without pre-advice when a customer disputes a charge. 
- Provide a copy of the telephone conversation transcript.

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 2024-09-19 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2024-09-19 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: 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-19 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IA

Complaint narrative:
I have had a previous issue with this company in regards to the amount of {$5500.00} being taken out of all of my account without my knowledge or my permission that incident happened on XX/XX/XXXX of 2024 after many phone calls with chime customer support and also filing complaints with the CFPB complaint id # XXXX and with the BBB the matter was resolved. On XX/XX/2024 I received an email which I have provided in the documents stating that a credit in the amount of {$5500.00} has been issued to my account. Upon looking at my account a total of XXXX of the XXXX transactions have been credited back to my account totaling {$230.00}. Since the date of XX/XX/2024 I have been in contact with the chime dispute department nine times asking for reasons that the entire amount has not been refunded.i have received answers such as they are having computer problems and i need to call back at a later date. I have also been told that the original i dispute filed with the company about not receiving the full amount of my credit has be escalated 4 times included i have submitted pictures of the email and also the daily history of my account including the money that was credited to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I was trying to communicate with Mr. Cooper who recently became the new servicer of my loan that a payment was made on XX/XX/XXXX towards the XX/XX/XXXX due date to the old servicer XXXX XXXX Bank. I made a payment on XX/XX/XXXX intended to go towards the XX/XX/XXXX due date. The Mr. Cooper account applied it to the XX/XX/XXXX due date. After trying to contact them multiple times via chat ( and having their live chat fail with no way to rejoin or see the log ), I sent an email with the previous statement to XXXX. They responded that the issue was addressed via live chat ( it wasn't ) and reiterated the next due date is XX/XX/XXXX. 

I attempted to call Mr. Cooper, which resulted in a call system with an automated assistant. The assistant refused at every level and every option the ability to speak with a live agent, making it literally impossible to contact the company. This issue that is created entirely by third party companies has now wasted hours of my time because of the poor practices and processes setup by Mr. Cooper. Their software system works well for things that are standard, but anything that actually requires communication is intentionally blocked by their design.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-09-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB Transunion 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 non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
turned in a 60 day notice, they stated I did not, listed as eviction charged me for damages that were reported on the move in check list False charges of damaged items that were not damaged, charge for replacing items that they had just put in the home brand new I.E a stove and blinds, Mirro replacement for bathroom, I knew that we were leaving so I put in maintenance request for old / damaged items so they would have a record of newly installed items

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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Credit Card Company altered my phone number without my consent, prompting me to call them. I believe this was a tactic to encourage me to contact them so they can tell me I owe them i know i have a bill they dont have to use sneaky things like that i lost my and couldnt pay i plan on paying but for them to change my account info like that is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I leased a car from American car center XXXX XXXXXXXX XXXX the company went bankrupt and XXXX down and sold contracts to westlake portfolio without me knowing any information and not knowing who to contact they reposssed my vehicle when I was caught up on payments without me knowing stating that I have to pay the balance in full before I get the vehicle back.i have no knowledge of this and its stuck on my report a XXXX loan that Ive been paying on before American car center went out of buisness and XXXX down

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 2024-09-19 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$5900.00} XXXX XXXX : {$0.00} XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry 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
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief