vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I found some fake accounts on my credit report. Theyre impacting my ability to get credit. Can you remove them?

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 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Penny Mac Sold my information to a million Mortgage companies, after I chose not to refinance with them. The past two days I am being harassed by hundreds of calls, text and E-mails a day from random mortgage companies asking for me to refinance. I need these calls to stop, it is effecting my work and home life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NJ

Complaint narrative:
XXXX XXXX reported my account late for the month of XXXX. I spoke to the company in XXXX because I was having financial hardship at the time and asked for a sustainable solution on payment options. The company agreed to take out two specific amounts from my checking account on specific dates as automatic payments. They did not and in turn once I realized it - I made a payment to bring the account up to date. They marked my account as late when in fact it was the companys error for not taking the funds as agreed. I want this taken off of my credit report as a missed payment. I have a perfect payment history in the last few years and this is causing me issues with obtaining any new credit.

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 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Lac Courte Oreilles Financial Services II
State: IL

Complaint narrative:
I have been receiving constant communications from this lender ( Via Text ) on different occasions ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and most recently ( XX/XX/XXXX & TODAY -- see enclosed screenshots ). So, I applied online for a loan, and was IMMEDIATELY denied. I believe the reason why I was denied -- -due to the fact I filed a complaint against this SAME Company back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-15 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 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
Phoenix financial, XXXX keeps contacting me repeatedly about a medical bill I owe from XXXX XXXX in XXXX. The date of service was in 2028. The first time they called they said I owed {$110.00}, after that they claimed it was XXXX, and now they say it is XXXX. I have explained to them that I have medical insurance and I should never owe a bill for that amount. And I have also explained that the date of statute of limitations is up and asked them to quit calling. They call repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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. 

XXXXXXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-15 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute a negative item currently reporting on my TransUnion credit report. This negative account does not belong to me, and I believe it was fraudulently reported due to identity theft.

Pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be blocked from my credit report as the result of identity theft. FCRA Section 605C entitles me to have all information related to this fraudulent item blocked from my credit report once I provide proof that the debt is the result of identity theft. 

Disputed Account Details : Account Name : DEPT OF THE TREASURY Amount : {$1400.00} Date Reported : XXXX. XXXX, XXXX  Enclosures for Verification : Action Requested : Under FCRA Section 605C, I formally request that TransUnion immediately block this fraudulent account from my credit report and ensure that it is no longer reported by any data furnishers. Please conduct a thorough investigation and remove this account permanently from my file.

Additionally, I request that I be notified in writing once this item has been removed and receive a new copy of my credit report reflecting these changes.

I trust you will handle this matter with urgency and respect for my rights under the FCRA. Thank you for your prompt attention to this issue. 

Sincerely, 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 2024-08-15 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: NV

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 2024-08-15 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: GA

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
XXXX XXXX has reported to Credit Bureaus that I owe a debt but I've never done any business with this company and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App account compromise On XX/XX/year> at around XXXX Cash App allowed a fraudulent charge in the Amount of {$99.00} to go through from XXXX XXXX When I block this account months ago. Also there has been multiple fraudulent charge Attempting to charge my account. One recently attempted charge was from XXXX. This has been going on since last year. When they Attempted to make charges to XXXX XXXX XXXX XXXX XXXX. Or attempted to book a hotel room At the XXXX XXXX XXXX This complaint is to notify Cash App That I will seek legal action. Because I believe that my account has been compromised. Unless Cash App can come to a resolution. To solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
XXXX XXXX XXXX charge is closed with a XXXX interest program I paid off the balance XXXX $ its been a whole month the updated status in not reported and there charging me a late payment on my account XX/XX/year> wich I contacted them they said its nothing for them to do. I would like them to delete the payment cause they dont have consent to file late payment when account was closed by granter. I would like the late fees be removed due to the fact the balanced was paid offf. Before 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 explanation
Consumer complaint received 2024-08-15 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: CT

Complaint narrative:
XXXX XXXX XXXX  charge is closed with a XXXX interest program I paid off the balance XXXX $ its been a whole month the updated status in not reported and there charging me a late payment on my account XX/XX/year> wich I contacted them they said its nothing for them to do. I would like them to delete the payment cause they dont have consent to file late payment when account was closed by granter. I would like the late fees be removed due to the fact the balanced was paid offf. Before 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 explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. 
XXXX XXXX, ACCOUNT NUMBER : XXXX BALANCE : {$15000.00} I have no knowledge nor did i give authorization to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase insists they can not block this clearly fraudulent charge without canceling my card. Since I have a number of automatic payments and contributions on the card, that is an extreme inconvenience. I've tried for several months to get these charges reversed, and though Chase reverses them, they won't block the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
They went to the court in XXXX XXXX and sued me for it without my knowledge I was living out of state when this garnishment was filed in XXXX when they tried to serve me and ended up garnishing me when I came back to Mississippi. It caused me to have to know try to catch up on my bills. The garnishment happened in XX/XX/XXXX. I only got the garnishment information from my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Navy Federal Credit Union ( XXXX XXXX NFCU or financial institution ) instantly rejected a personal loan application, rejected review of the loan application twice, and upon resubmission of the loan application, rejected it again, 4 times in all. The NFCU subjected me to a XXXX  loan application process just to obtain a revolving credit option on my accounts, back-watered me into overdraft, availed only overdraft protection service, for fees, and denied access to another person opening an account if such person is associated with me in such a way as to qualify for membership alignment with the membership service requirements established by the National Credit Union Association ( NCUA ) .

Past Incidents This is not the first time that NFCU has denied me service, as prior to XXXX the NFCU denied me access to my accounts because I presented a XXXX  identification card instead of a State issued drivers license even though I am a XXXX XXXX. 

Detrimental Effects As a result of these denials of service, I am restricted in access to financial services to obtaining the very bear minimum the that the NFCU XXXX be required to provide, with no options for financial maneuverability, a necessary element in being banked, and I must seek being banked through other financial institutions. The chain reaction from such other institutions is to view me with suspicion of I attempt to do anymore than the minimum from them because I am a XXXX XXXX. 

Latest Incidents The NFCU denied the personal loan based on specious grounds including refusal to apply or even consider my Veterans Home Loan Guarantee, and because of, according the NFCU, the NUMBER OF MONTHS SINCE OLDEST INSTALLMENT CREDIT ACCOUNT WAS OPENED even though it is the NFCU and its employees themselves who refused to avail to me access to my account so that I could engage the very services they avail to the public. 

Related Actions While sitting in the bank to attempt to submit documents to review the loan application denied, I discovered that the NFCU has been sued before for XXXX discrimination on loan services, discriminating against XXXX, so this is an ongoing systemic issue with this particular financial institution. Obviously, NFCU has learned nothing from its previous and most recent litigation affairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
By calling the company about this account that is negatively affecting my credit, I committed to paying the agreement and they were also going to eliminate this negative account from my credit bureaus, the payment was made on XX/XX/year> and this account is still there It is reporting negatively and I am being affected.

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