vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: OH

Complaint narrative:
Following up on these illegal accounts and inquiries. These accounts were illegal obtained in my name and my information was stolen and shared via a Breach. Illegal credit cards and other things were obtained illegally in my name. Please remove this off my report. 

XX/XX/XXXX I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX  Date Opened XX/XX/XXXX {$2400.00} XXXX XXXX Date Opened XX/XX/XXXX {$3100.00} XXXX XXXX Date Opened XX/XX/XXXX {$2600.00} inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/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 2024-09-13 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: FL

Complaint narrative:
I am writing to you regarding the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is reported as a charge-off on my credit report. After reviewing the information related to this account, I believe it is being reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 
The debt has been reported as a charge-off, indicating that the creditor deemed it unrecoverable and wrote it off as a loss. Under IRS regulations, specifically Section 6050P of the Internal Revenue Code, the creditor should have issued a Form 1099-C ( Cancellation of Debt ) to report this cancellation to the IRS, which has not been done. The failure to issue this notice and the continued presence of this debt on my credit report as active constitutes inaccurate and incomplete reporting. 
Additionally, under the FCRA, credit bureaus are required to report only accurate and verifiable information. If the creditor has determined that the debt is no longer recoverable, as indicated by the charge-off, it should not continue to be reported as an outstanding or active debt on my credit report. 
I request that you support the credit bureau Agency investigate this matter immediately and remove the incorrect account from my credit report. If XXXX XXXX XXXX XXXX XXXX XXXX can not provide clear evidence that this debt remains valid, including justification for not issuing a 1099-C form, you must correct and delete this 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 2024-09-13 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: NH

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-13 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: FL

Complaint narrative:
Id theft victim. The following accounts do not belong to me 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

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The List of accounts which are bankruptcies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference numberXXXX Record type Bankruptcy XXXX  XXXXdismissed Court US BKPT CT XXXX XXXXXXXX US BKPT CT XXXX XXXXXXXX Important dates Original filing date XX/XX/XXXX Latest status date XXXX XXXX, XXXX Additional details Reference numberXXXX Record type Bankruptcy XXXX  XXXXdischarged Court US BKPT CT XXXX XXXX  I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Transaction post date : XX/XX/year> Date disputed : XX/XX/year> Date the dispute closed : XX/XX/year> Amount : {$450.00} I filled a dispute for an auto Mechanic fraudulent charge. The mechanic arrived hours late, never provided the service he was hired for, instead he was trying to scam me into paying thousands of dollars to replace a part that was perfectly operable. I refused and he just charged my card without my knowledge. 
In response to my dispute, the merchant provided a document of which he signed it himself, he also edited the document with completely fabricated information. Chase XXXX credit card accepted the merchants fabricated document and closed the dispute in his favor. 
I contacted chase united many times. Every call, I received a different and misleading information on how to reopen this dispute. I sent them documents, uploaded documents on their website, and I even went to one of their branches, the branch uploaded and faxed the documents to the dispute department. 
Calling them to confirm they received the paperwork, the answers are - the documents are not showing on your account, it takes time, we dont know if the fax was received, we cant see what you uploaded, theres no one that can confirm receipt of your documents, BUT they keep informing me that I only have one day left to submit those documents! The last call I made, a representative named XXXX actually told me that there is no option to dispute this charge, and told me next time dont order a service over the phone! 
For my request to speak to a supervisor, I received a reply that a supervisor will call me back in 2-4 business days. Of course after the time limit they stated I have left to reopen this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


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 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 non-monetary relief
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN 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 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The List of account which is a bankruptcy below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Date Reference Number Status Court Liability Exempt Amount Asset Amount XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-09-13 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: Freedom Mortgage Company
State: WA

Complaint narrative:
On XX/XX/XXXX I received a letter my mortgage had been transfer to a new company Freedom Mortgage. The letter included how to set up your account. New account number and amounted owed. The amount owed on the letter was XXXX. I set up an account on-line. When I went to make payment I couldn't log on didn't recognize my SS #. So I mailed the check on XX/XX/XXXX. On XX/XX/XXXX I received my new senior tax exemption from the county. I called the mortgage company talked to XXXX she said to mail it and gave me the address. I mailed the tax on XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX to see if it was received. No they haven't gotten it. So then she transferred me to XXXX and she gave me the fax number and said they would run an XXXX analysis when received. I faxed it received a confirmation sheet back saying it went. On XX/XX/XXXX I received a statement saying I owed XXXX for XXXX. I already paid what the first letter said the check was cashed on XX/XX/XXXX. 
I called XXXX XXXX regarding the taxes. They said in XXXX they refunded the taxes of XXXX and XXXX to XXXX of XXXX ( old mortgage company ). I called them they sent the money to XXXX on XX/XX/XXXX. On XX/XX/XXXX I called an talked to XXXX. She said they didn't received anything. I told her they paid the taxes which was XXXX. She said taxes was never so low. I told her I had an senior exemption. She put in research request and a XXXX anaylsis. They still say I owe XXXX. Called today still not straightened out. They put the XXXX in the XXXX but not the XXXX. I think they are trying to keep that money. I don't understand what they are doing. Please help 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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I am experiencing with Navy Federal Credit Union ( NFCU ) regarding their frequent and unsolicited credit limit increases on my credit card account, which is in good standing. 

While I understand that some financial institutions periodically adjust credit limits based on account activity, the frequency with which Navy Federal has increased my credit limit has become a concern. Despite my responsible credit management and the account being in good standing, these increases occur without any request or notification, putting me in a difficult position when it comes to managing my credit utilization and overall financial planning.

I believe the onus should be on Navy Federal to provide transparency and justification for such frequent changes, as they impact both my credit score and my ability to manage credit responsibly. The lack of clear communication surrounding these increases also raises concerns about the alignment of Navy Federals policies with fair lending and credit practices. 

I respectfully request the Consumer Financial Protection Bureau to review this matter, as I believe customers should have more control over their credit limits and be informed in advance of any changes that could affect their financial standing. I would appreciate any guidance or assistance you can provide in resolving this situation. 

Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I received a text message from what was identified as a debt collector from CrossCountry Mortgage ( my loan service company ). This was on XX/XX/year> and after I received a confirmation that my mortgage payment was processed. When I contacted the customer service chat, all they said was that it takes 24-48 hours for the system to update and sorry about that. 

Payment is not marked as late until after the XXXX of each month per their terms. 

So it wasnt a real debt collector. They just put that in the text to scare me. My payment history for the entirety of my credit history ( about 25 years ) is nearly perfect. I do NOT appreciate having a scare tactic used to get my money, especially when I already paid. This feels like a violation of what a debt collector is allowed to be and who can use the label. 

Attached is the screenshot of the message I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Even making the slightest suggestion that I need the services of an attorney to coerce Wells Fargo ( XXXX ) to identify the creditor ( s ) who allegedly made a {$65.00} charge to my Wells Fargo credit card, shows how absurd and the extremes Wells Fargo will go to in order to hide its errors ( please see the attachments ). 
Wells Fargo will spend endless man-hours to hide its mistakes by creating irrelevant documentation and intentional misdirection to avoid the few seconds it would take to review their computerized file in order to give me ( their customer ) the name, transaction date and reference number of the creditor ( s ) who made the {$65.00} charge ( if such a charge really exists ). By now, I have every reason to assume Wells Fargo purposely committed fraud and would hope the FTC would conduct an investigation ; I may not be the only customer. 
Lets be reasonable, who will hire an attorney to get a simple explanation for a {$65.00} charge? I am not questioning that I owe any legitimate charge, I am simply asking for that creditors identification and for what was allegedly purchased that totaled {$65.00} ( how many ways of communication must I use to get Wells Fargo to comprehend my repetitious demand over the last 5 months ). And Wells Fargo expects customers to hire attorneys for that rudimentary expectation/legal requirement/ basic customer service ; the public should be warned. 
Despite their claims of a thorough investigation and multiple levels of review, Wells Fargo still can not explain the {$65.00} charge and in fact, avoids addressing it altogether ( as though its a proven fact that they can build penalty fees upon ).

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