vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of 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 2024-06-26 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: IL

Complaint narrative:
I am disputing and requesting an investigation into the wrongful reporting of these accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. According to FCRA 605B, we must report any incorrect accounts listed on a consumer 's 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 2024-06-25 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: SC

Complaint narrative:
realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Equifax is reporting late payments on multiple accounts XXXX XXXX XXXX Account XXXX Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Equifax written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Equifax violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-06-25 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: CA

Complaint narrative:
This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I had opened a new chase account using a promo for a {$300.00} new account bonus. It stated I needed direct deposits totaling {$500.00} or more made to this account within 90 days of coupon enrollment. Within the first month I had deposits over {$700.00} and again the second month. I have not received the bonus after having the account for well over 90 days. Customer service stated that a singular deposit needed to be over the amount. However, the language states " deposits '' totaling {$500.00}. Any other checking bonus I have encountered in the past has been deposits reaching a dollar limit and not singular higher than an amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that 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 which I don't convey to Portfolio Recovery 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

No consent is IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WESTERN ALLIANCE BANCORPORATION
State: TX

Complaint narrative:
I am making a complaint about Alliance Association Bank, which is regulated by the XXXX XXXX XXXX XXXX XXXX XXXX. 

My HOA in XXXX, Texas, recently sent me the following message : " Update XXXX Alliance Association Bank XXXX XXXX XXXX has recently been informed that Alliance Association Bank has implemented a {$2.00} transaction fee for submitting one-time payments using bank account information. To avoid this fee, please sign up for automatic ( recurring ) payments with Alliance Association Bank using a bank account or mail in a personal check. If you mail a check for payment please consider XXXX mail delivery times. Please note that credit card payments will still incur a 3 % processing fee and debit card payments will be charged a {$4.00} processing fee. XXXX receives no portion of the bank fees charged. '' I am writing to ask whether it is legal for a bank to charge a fee for using bank account information to accept payments. This is especially upsetting considering I have no choice but to use this bank for as long as I own my home. 

Please advise if there is legal recourse to this charge short of selling my home. 

I have already attempted to communicate with the XXXX XXXX XXXX  and they have sent me to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-25 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: SC

Complaint narrative:
As a consumer, Transunion has violated my federally protected consumer rights under the Fair Credit Reporting Act. Transunion is governed by the FCRA. After multiple requests to delete negative accounts, Transunion continues to violate my consumer rights. I did not give Transunion my written permission or instructions to furnish the below negative accounts on my consumer report. I have requested documentary proofs giving only Transunion ( and no other company ) my written permission or instructions to furnish the below negative accounts on my consumer report, which Transunion never provided to me. According to the Fair Credit Reporting Act, XXXX XXXX Code XXXX states that I have a right to privacy and confidentiality. XXXX XXXX XXXX XXXX also states that a consumer reporting agency can not furnish an account without my written permission and instructions. XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to report a serious issue of harassment by a company named XXXX XXXX, VELOCITY INVESTMENTS LLC, and XXXX XXXX. I have been a victim of identity theft, ( starting in XXXX of XXXX ) during which bank accounts, loans, and credit cards were fraudulently opened in my name without my knowledge. Upon discovering these unauthorized activities, I immediately reported the matter to the police and contacted all the relevant companies where these accounts were opened. All of the companies, except for XXXX, promptly closed the fraudulent accounts. I have videos, witness, harassing calls and text messages from a stalker who also broke into my apartment and damaged my property, including my computer from where he must have accessed my data. The delinquents changed my business email address, my email, they also wrote false checks, overdraft that account, I have close to 40 inches of paperwork from all of the crazy stuff they did. I never eat at XXXX, someone was still asking for loans late XXXX... they made a XXXX  drama size of all of this. They opened a savings account too, and applied to several credit card companies. 

Despite my repeated efforts over several months to resolve this matter with XXXX, they have refused to close the account in question. They have failed to provide any proof of making a deposit to any of my accounts or any relevant records. I have communicated extensively with XXXX and their affiliates, providing all necessary documentation, including police reports. However, XXXX continues to delay the resolution and seems intent on damaging my reputation. 

I request your urgent attention and intervention in this matter to ensure that this fraudulent account is closed and my name is cleared of any wrongdoing. XXXX is not acting in my best interest or is colluding with fraudulent creditors Thank you for your assistance

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 2024-06-25 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: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-26 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I XXXX XXXX call customer service at XXXX ask them to remove or close my XXXXXXXX XXXX XXXXy because they did with no problem. Then I call TransUnion to ask them the exact same thing. And every one of them gave me the wrong information as three wrong phones number. I just need my information on my credit report up dated and it's been up there for 8 years.

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 2024-06-25 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 federaly protected consumer rights to privacy and confidentiality under 15USC 1681. 

I told Experian to investigate this account XXXX XXXX XXXXXXXX, however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15USC 168i ( 5 ), they are supposed to modify accounts that are not reporting correctly 15USC 1681 s -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 2024-06-25 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: TX

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 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 2024-06-25 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA
State: GA

Complaint narrative:
Dear AESXXXX XXXX  XXXX I'm writing to you with a heavy heart, still reeling from the sudden loss of my beloved grandson, XXXX XXXX XXXX Just two months after we paid off his student loans in full, he was taken from us far too soon. As his co-signer, an arrangement between my grandson and myself was implemented as he was employed within his field of study. The plan was that he would assist in monthly re-pay installments if I agreed to re-finance my home mortgage to pay off his student loan debts in the amount of {$110000.00} in XX/XX/2023. It was a sacrifice we made with love and hope for his future, but little did we know that fate had other plans. As we navigate this devastating loss, I'm not just asking for a refund of the loan amount, but for your compassion and understanding. XXXXXXXX XXXX  passing has left our family in a state of grief and financial uncertainty. My husband and I are now XXXX and XXXX XXXX XXXX, respectively, and are struggling to make ends meet. The burden of recouping these losses would be crushing. I implore you to consider the extraordinary circumstances surrounding XXXXXXXX XXXX death and our situation as a family. We've already endured so much pain and sacrifice to ensure his education was paid off. Now, we're left with the weight of this unexpected loss and the financial strain that comes with it. I understand that AES/XXXX XXXX has guidelines in place for death discharges, I'm begging you to consider our story and the human impact of this tragedy. XXXX 's life was cut short, and his memory should be cherished, not weighed down by the financial burdens we're now facing. Please, I beg you, consider our request for a refund or any other possible alternatives that can alleviate our financial burden. I'm begging you, please consider our request with an open heart and mind. We've already lost so much - we've lost our beloved grandson, we've lost our peace of mind - and now we're facing financial uncertainty. I'm asking you to show us compassion, empathy, and understanding. Thank you for taking the time to read our story. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have the Venmo app. In XXXX they took out what they call withholding for the IRS for payments saying I operated as a business. The payments were taken out on XX/XX/XXXX of the amount {$560.00}. They said this was in regards to a payment my mom, XXXX XXXX made to me on XXXX XXXX, XXXX. This payment was for medecines, groceries and other items I picked up for her and brought to her over a 5 month period. She is elderly, and homebound. The second withholding VENMO took out was on XX/XX/XXXX in the amount of {$170.00}. Once again this was a payment from my mom for groceries and medecines picked up. The third withholding by VENMO on XX/XX/XXXX in the amount of {$17.00}. These total {$750.00}. VENMO stated they were required by the IRS to make these withholdings and that they already sent this money to the IRS. 
I then called the IRS and was informed that they do not have any money sent to them by VENMO in my name. They further stated that the tax laws that were supposed to go into effect for the 2023 year were put off until XXXX ( for the XXXX tax year ), So 1. VENMO should not legally have withheld onto my money 2. VENMO lied about sending this money to the IRS 3. Venmo is illegally holding onto {$750.00} of my money that was not payment for a business nor goods and services -- -it was my mom paying me back for groceries, medecines, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
No negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing non public personal information i.e.Late payments, charge offs, etc. can get a creditor 20 years for violating 18 USC 894. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation