vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: CT

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 non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Tuesday, XX/XX/year> - Opened a Chase XXXX XXXX  with a {$300.00} signup bonus after making a direct deposit of {$500.00}. After opening my account successfully, XXXX setup direct deposit with my employer. 

Friday, XX/XX/year> : I received a Chase email saying that my new account was restricted and that I needed to call Chase. After that, I called and provided all verifying information. Following this, the agent informed me that my account should be restored in XXXX hours. 

On the XXXX - my pay check was deposited into the account - meeting the signup bonus. 

Saturday, XX/XX/year> : I received an electronic letter via the Chase XXXX stating that my account is restricted, that I needed to call Chase bank, and if I didn't that the account would be closed. I called that day, again, and provided all the info the agent asked. They stated my account should be restored. 

On XX/XX/XXXX - XXXX received the debt card - I called chase bank to confirm and activate the card with no issue. 

On XX/XX/XXXX - I login to see that my checking account is not displayed. I called Chase bank to inquire. After an hour of talking with agents and supervisors, I was advise that my account was closed due to lack of verification. The money that I deposited was gone, and I had no access to it to pay my bills, and Chase would not disburse the signup bonus they advertised.

Because Chase closed my account, chase is declining to provide any paper work, official electronic letters and notices I received because my account was closed and they say there's no way of getting the proof back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
I am deeply concerned regarding my recent experience with both Valon and their employee, XXXX XXXX XXXX, from a conversation on XXXXXX/XX/XXXX. I called to request my escrow payments be returned so that I might pay my insurance and taxes myself. I have concerns regarding Valon based up my previous experiences and elected to handle this. [ Please Note : I had been advised by a Valon Employee on XX/XX/XXXXXXXX  to cancel my autopayments to my old mortgage provider. This cost be a fee which Valon later refused to reimburse. They further claim to have never made such statements to me. Regardless, this is why I dont trust Valon to pay my insurance and property taxes. ] XXXX stated he could not do this [ release the escrow ] because my XX/XX/XXXX payment wasnt received until XX/XX/XXXX. Because it was late, it precludes me from this. However, I was told that the RESPA gave me a 60-day grace period [ Valon officially took my mortgage over on XX/XX/XXXX ]. How, then, can Valon penalize me for that payment? They received it within 60 days. 

I requested to speak with a manager. XXXX initially tried but could not find anyone. He said Id have to wait for a call back. I asked, begged, repeatedly to wait on the line with him. Ive requested calls back before and either not received them or been called at either off or work hours. He refused to wait on the line with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-10 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: FL

Complaint narrative:
I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under XXXX XXXX XXXX which is civil liability for willful noncompliance. 

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 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake portfolio has been harassing me since XX/XX/XXXX I was with Us auto sales since XXXX I payed my car off in XX/XX/XXXX Soon after paying car of the transferred my information to WESTLAKE PORTFOLIO I have proof of my car being paid of the have constantly called be about a balance owed which is constantly increasing everyday since the transfer XXXX unable to receive title to my XXXX XXXX WESTLAKE PORTFOLIO constantly threatening me with repossession after showing the proof the car was paid off they have a hold on my title and unfairly not releasing it. I dont owe westlake portfolio any thing they are bullies with unfair practices!!! I am asking the for the release of my title

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
" 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 non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Repeated calls and emails I dont know who the company is I have no contract with the company. 

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-10 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:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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 XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint against this debt collector for their failure to comply with federal laws regarding debt collection and reporting. They have not provided proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ) and have violated my rights as a consumer.

Key Issues 1. Failure to Provide a Debt Validation Notice : Under FDCPA 1692g ( a ), debt collectors are required to send a written debt validation notice within five days of their initial communication. This notice must include the amount of the debt, the name of the original creditor, and information on how to dispute the debt. The debt collector failed to provide me with this notice before reporting the alleged debt to credit reporting agencies, which is a violation of federal law.

2. Improper Reporting Prior to Validation : The debt collector reported the debt to credit bureaus before providing me the opportunity to dispute or verify its validity. This violates my rights under the FDCPA 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), as they must ensure the accuracy of the information before reporting.

3. Failure to Provide Proper Validation : Despite my requests, the debt collector has not provided sufficient documentation to validate their legal right to collect the debt. A simple bill, bank statement, or general account summary does not constitute valid proof of debt.

4. Lack of Evidence of Ownership : I am disputing their claim to this debt until they provide evidence of ownership, including : o A signed agreement or contract showing I agreed to the terms of the alleged debt.

o The Purchasing Agreement and Bill of Sale demonstrating the chain of ownership of the debt.

5. Estoppel by Silence : The debt collector has not adequately responded to my validation requests. Their silence on this matter should bar further collection attempts or reporting until sufficient evidence is provided.

6. Violation of Consumer Rights : Their actions also violate my rights under the FCRA 1681s-2 ( b ), which mandates the correction or removal of inaccurate or unverifiable information from credit reports.

Requested Information To validate the debt and their right to collect, I am requesting the following : 1. A copy of the original signed contract or promissory note.

2. The full Purchasing Agreement and Bill of Sale between the original creditor and their company.

3. A detailed payment history, including : o Dates and amounts of all payments made.

o The original balance and any additional fees, interest, or charges added.

4. Proof that they are licensed and authorized to collect debts in my state.

5. A copy of the debt validation notice that was required to be sent within five days of their initial communication with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An unauthorized wire for {$6100.00} was done on our checking account on XX/XX/year>. I was at Chase bank within XXXX minutes of receiving a scam phone call that came up as Chase Bank. I did not provide any personal information. 
When I got to local Chase bank, I was given the run around and was told they would file with their fraud department. After pushing things through escalations department, I received word that it was determined I initiated the wire and no funds would be returned. I also filed a police report. I do not understand why Chase would allow a wire to go through for the exact amount in my checking account. The bank manager called the number I had been called from and said it was a Chase number. The scammer attempted to also get {$15000.00} wire from savings account but Chase stopped that one since I was sitting at the bank when it happened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CA

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 2024-12-10 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.

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 response to consumer: Closed with non-monetary relief