vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: MD

Complaint narrative:
Upon reviewing my consumer reports, I discovered multiple late payment entries associated with my account that were inaccurately reported. As you are aware, Consumer Reporting Agencies bear a significant responsibility to ensure that all consumer information is reported with maximum accuracy. It is essential that the information reflected on my credit profile is both accurate and truthful. 

Specifically, I have never been late with any payments for my XXXX XXXX account ( Account # XXXX ). I respectfully request a thorough investigation into these erroneous late payment entries and demand that you provide verifiable proof, including statements, that demonstrate these payments were indeed late. To assist in this process, I can provide supporting documentation, including bank statements, payment notifications, timestamps from the XXXX payment app, and screenshots. 

Additionally, it is important to note that there have been substantial testimonies and reviews from numerous XXXX customers who have experienced similar issues regarding premature reporting of late payments. These reports indicate a pattern of errors where late payment flags are applied prematurely, negatively impacting credit scores. This further highlights the possibility of an internal issue with XXXX XXXX reporting practices, which needs immediate investigation. 

If sufficient proof can not be provided to substantiate these late payments, I demand the immediate removal of the derogatory marks and request that the account status be corrected to reflect " on time, never late, '' as this accurately represents the history of my payments. 

I have previously submitted multiple requests to the credit bureaus to address this issue, but to no avail. I am now seeking your assistance to rectify this error and ensure that my credit profile accurately reflects my payment history. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: MD

Complaint narrative:
Upon reviewing my consumer reports, I discovered multiple late payment entries associated with my account that were inaccurately reported. As you are aware, Consumer Reporting Agencies bear a significant responsibility to ensure that all consumer information is reported with maximum accuracy. It is essential that the information reflected on my credit profile is both accurate and truthful. 

Specifically, I have never been late with any payments for my XXXX XXXX account ( Account # XXXX ). I respectfully request a thorough investigation into these erroneous late payment entries and demand that you provide verifiable proof, including statements, that demonstrate these payments were indeed late. To assist in this process, I can provide supporting documentation, including bank statements, payment notifications, timestamps from the XXXX payment app, and screenshots. 

Additionally, it is important to note that there have been substantial testimonies and reviews from numerous XXXX customers who have experienced similar issues regarding premature reporting of late payments. These reports indicate a pattern of errors where late payment flags are applied prematurely, negatively impacting credit scores. This further highlights the possibility of an internal issue with XXXX XXXX reporting practices, which needs immediate investigation. 

If sufficient proof can not be provided to substantiate these late payments, I demand the immediate removal of the derogatory marks and request that the account status be corrected to reflect " on time, never late, '' as this accurately represents the history of my payments. 

I have previously submitted multiple requests to the credit bureaus to address this issue, but to no avail. I am now seeking your assistance to rectify this error and ensure that my credit profile accurately reflects my payment history. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX FROM CONSUMER CREDIT REPORTS NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
Subject : Complaint Regarding Unfair and Punitive Practices by XXXX Dear [ Consumer Protection Bureau ], I am writing to file a formal complaint against XXXX, the finance company for XXXX, for engaging in practices that have caused significant and ongoing harm to my credit and financial standing. These actions appear to be punitive, unfair, and potentially in violation of consumer auto loan laws. 

In XX/XX/year>, XXXX charged off my auto loan and repossessed the vehicle. Despite declaring the loan as a charge-off, they have continued to report the payments as late, which has severely defamed my credit profile and caused my credit score to plummet. This reporting has persisted for over three years, effectively destroying my ability to secure new financing. 

The following issues highlight the unfairness of XXXX actions : Improper Reporting of Late Payments Post-Charge-Off : After charging off the loan, XXXX continues to report payments as late, even though the debt was declared a charge-off. This practice is punitive and misleading, as a charge-off typically signifies that the creditor has written off the debt as uncollectible. 
Repossession of the Vehicle : XXXX  repossessed the vehicle, further indicating that the debt was no longer active. Despite this, they continue to report late payments, compounding the harm to my credit. 
Corporate Credit Write-Off : XXXX likely obtained a corporate credit write-off for the charged-off loan, yet they continue to penalize me by reporting late payments, creating a scenario of triple jeopardy. 
Prolonged Damage to Creditworthiness : For over three years, XXXX  actions have unjustly destroyed my credit score, making it nearly impossible for me to obtain new financing or rebuild my financial stability. 
These practices appear to violate principles of fairness and transparency in consumer lending and credit reporting. Additionally, they may conflict with regulations governing the proper handling of charged-off debts, repossessions, and credit reporting.

I respectfully request that the Consumer Protection Bureau investigate XXXX practices and take appropriate action to ensure compliance with consumer protection laws. I also request that XXXX be required to cease reporting late payments on the charged-off loan, correct my credit report, and provide restitution for the financial harm caused by their actions. 

Thank you for your attention to this matter. Please feel free to contact me at [ your contact information ] if additional information or documentation is required.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The loan was opened with another car, the doors locked, and dealership came and switched with a loaner car. Then I was made to take the XXXX instead of the XXXX XXXX I did not have the proof of the original vehicle, but the dealership placed a claim to my insurance for the vehicle. This whole contract was completely fraudulent I have paid to balance off and I just want the record of this account removed from my report immediately from all 3 Bureaus, XXXX Report and XXXX This car was a lemon I was not able to get help with repairs and I was told the warranty was no good, XXXX XXXX is a great company, but the business practices of the dealership was VERY unethical and I am sure with a complete investigation that can be found I have attached the vehicle information that was originally on the loan and I drove off in the vehicle, the first car was in better condition and I would have been able to have a better opportunity for success on my loan account.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The loan was opened with another car, the doors locked, and dealership came and switched with a loaner car. Then I was made to take the XXXX instead of the XXXX XXXX I did not have the proof of the original vehicle, but the dealership placed a claim to my insurance for the vehicle. This whole contract was completely fraudulent I have paid to balance off and I just want the record of this account removed from my report immediately from all 3 Bureaus, XXXX XXXX  and XXXX This car was a lemon I was not able to get help with repairs and I was told the warranty was no good, XXXX XXXX is a great company, but the business practices of the dealership was VERY unethical and I am sure with a complete investigation that can be found I have attached the vehicle information that was originally on the loan and I drove off in the vehicle, the first car was in better condition and I would have been able to have a better opportunity for success on my loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The loan was opened with another car, the doors locked, and dealership came and switched with a loaner car. Then I was made to take the XXXX instead of the XXXX XXXX I did not have the proof of the original vehicle, but the dealership placed a claim to my insurance for the vehicle. This whole contract was completely fraudulent I have paid to balance off and I just want the record of this account removed from my report immediately from all 3 Bureaus, XXXX XXXX  and XXXX This car was a lemon I was not able to get help with repairs and I was told the warranty was no good, XXXX XXXX is a great company, but the business practices of the dealership was VERY unethical and I am sure with a complete investigation that can be found I have attached the vehicle information that was originally on the loan and I drove off in the vehicle, the first car was in better condition and I would have been able to have a better opportunity for success on my loan account.

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 2024-12-07 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Request Alleged Debt Dear XXXX XXXX, I, XXXX XXXX, am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action. 
As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt. 
2. You are instructed to stop all communication with me immediately. ( that includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days to avoid arbitration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
PayPal limited my account on XX/XX/XXXX. They requested more information which I provided. They followed up today XXXX and closed my account but have kept my {$170.00} in my PayPal balance AND {$540.00} in my PayPal checking account my only option to withdraw is to my PayPal balance which is being kept by PayPal. They have kept over {$700.00} of my money.

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 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified multiple inquiries that I did not authorize. The details of the unauthorized inquiries are as follows : XXXX. XXXX XXXX on XX/XX/year> XXXX. XXXX XXXX XXXX on XX/XX/year> I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 

Attached please find documentation of proof of identity and proof of address as well as unauthorized inquiries. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 

Thank you for your prompt attention to this issue. I look forward to your response.

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 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have nearly PAID OFF a XXXX fixed rate MORTGAGE for a property that I purchased in XXXX. My mortgage is currently serviced by MR COOPER. 

I am XXXX AHEAD of the mortgage payment schedule. It was very important to me to pay off the mortgage EARLY as I am now a XXXX XXXX and this is the only property that I own, and I this is the home where I live. I am the only owner of the property. 

In XX/XX/XXXX, I logged on to the Mr Cooper website to make a payment, and the MONTHLY PAYMENT schedule listed the AMOUNT DUE as {$1300.00}. My account overview lists the INTEREST BEARING PRINCIPAL BALANCE as {$1200.00}, less than the monthly loan amount set by Mr Cooper. 

When I tried to make a payment for XX/XX/XXXX, the website instructed me to make the payment for LESS THAN {$1100.00}. I made a " partial payment '' of {$1000.00}. on XXXX. Mr Cooper HAS NOT APPLIED this payment to my mortgage balance, so my principal balance remains the same, and Mr Cooper has not subtracted the partial payment I made of {$1000.00} from my principal balance. 

Furthermore, I was charged a LATE PAYMENT fee of {$24.00}. 

I have repeatedly called Mr Cooper to try to rectify this accounting error, but have only encountered artificial intelligence. Do any HUMAN BEINGS work at Mr Cooper? 

Additionally, I am getting automated phone messages from Mr Cooper telling me that my mortgage payments are overdue ( I am XXXX ahead of schedule! ) and that they are a debt collector. 

A XXXX billing from Mr Cooper has added on an additional month 's payment due, now RAISING the amount they are billing me to {$2500.00}. Their records indicate that my INTEREST BEARING PRINCIPAL BALANCE is still {$1200.00}, as they have not yet applied the partial payment of {$1000.00}. I made on XX/XX/XXXX. 

XXXX. I need Mr Cooper to apply the {$1000.00} payment I made on XXXX, subtracting it from the principal balance. 
XXXX. I refuse to pay a " late payment fee '' of {$24.00}. 
XXXX. I refuse to pay Mr Cooper for amounts beyond the principal balance! 

THANK YOU! 
I appreciate your efforts!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( XXXX ) XXXX XXXX presume that no proof ofmthe alleged debt. nor therefore any such debt in fact therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( XXXX ) XXXX XXXX presume that no proof ofmthe alleged debt. nor therefore any such debt in fact therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) 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

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 2024-12-07 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:
i am filing this because i believe my personal information was compromised in the XXXX  XXXX XXXX XXXX, which has resulted in unauthorized accounts being opened in my name. According to there ocial XXXX XXXX XXXX website, XXXX I was directly impacted by this breach, during which sensitive personal information such as Social Security numbers, date of birth and other identifying details were exposed. The exposure Off my data during this breach had allowed unauthorized individuals to fraudulently open accounts without my knowledge or consent. This has caused significant harm to my credit and financial well-being.

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