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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Mortgage closing missing necessary disclosures and according to XXXX XXXX XXXX, policy listed and paid for through closing but not purchased nor was Settlement Agent of XXXX XXXX XXXX or authorized agent provided. Closing docs provided to XXXX XXXX. Recorded docs of conveyance never seen nor received. XXXX XXXX stated to myself and Previously to CFPB that they weren't aware nor Servicing this loan. I filed claim with XXXX XXXX and finally was contacted by XXXX XXXX department canceling loan however dept hasn't been cleared to date. Received email from attorney that recission was received and accepted by XXXX. Initially began canceling in XXXX continuing to escalate since. Everything must be resolved within 20days according to cancelation laws. Missing TIL, TITLE insurance policy, purchase agreement, 2copies of right to cancel, Good Faith Estimate, etc... I signed cancelation however, this isn't new information for CFPB. 
This continues to negatively impact my credit and score due to debt being on Chase XXXX XXXX credit card and different information being provided to each bureau for many accounts

Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found mistakes on my credit report related to 15 USC 16c-2. Unauthorized hard inquiries are listed, harming my credit, and should be removed.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : I am requesting you review your data on file for me and make sure it is accurate according to the Fair Credit Reporting Act and Metro 2 compliance standards. I am challenging any inaccuracies in my credit report and requesting that they be corrected immediately. I also require that any inquiries within my credit profile have a permissible purpose and be accurately sourced.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After a thorough review of my credit report, I noticed some billing mistakes. The listed late payments do not align with my consistent payment history. Please address these errors and update my account 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
In XX/XX/year> my husband was in a car accident that totaled our car. He was out of work for 7 months, during that time he was not paid from work, we entered a program with NFCU to pay a lower payment for a year to keep our account open. We made all the payments on time and completed program. This was on all the cards we have for myself household. ( Both in my husbands and my name ) after this tough time, they discriminated against me and decided to close all of my accounts after I fulfilled my obligation without fail. Now I had this horrible time and sacrificed to make the payments only to lose the card I was working to keep. Its really shameful that they would treat their members in this manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX is a violation of several FRCA laws This is my third attempt to get this resolved. XXXX has changed and updated payment history which has fluctuated multiple times but still show inaccuracies. 

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX  Account Number : # XXXX 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 15 USC 1681i ( 5 ), they are

supposed to modify accounts that aren't reporting correctly. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I have all Documents from XXXX XXXX XXXX XXXX XXXX XXXX Insurance & Medicare : to Protect me any : Emergency : on my last paycheck from work : XXXX XXXX XXXX XXXX XXXX Collect my Premium & Medicare also : I pay and I'm have to proof : I pay on ( XX/XX/year> ) and my Emergency, was on ( XXXX ) Then I call to my Insurance what happen, to Pay for the XXXX XXXX,, They say my medicare need to pay his part >>>> and Medicare Say my first insurance need to pay first ... so, the XXXX send me to Collection.. and i have no money to PAY ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
On XX/XX/year> ; I made a purchase of {$660.00} with a company called " XXXX '' using my Barclaycard Master 's Card to make the purchase. This company goes by the name of " XXXX XXXX '' in public. I originally found them on XXXX because they were advertising their services to people like me who are interested in making money through the XXXXXXXX XXXX. They claim that they can pass a XXXX XXXX XXXX  challenge for you and that " you will get a payout or your money back guaranteed. '' Yes, they passed the prop firm challenge for me as advertised with the prop firm of THEIR CHOOSING. They automatically chose a prop firm called " XXXX XXXX '' to pass the challenge with. XXXX then paid XXXX XXXX {$500.00} for the attempt at passing their prop firm challenge. They passed their challenge and XXXX XXXX quickly reimbursed XXXX the {$500.00} back for their winnings. ( See how this money just came right back to them. ) I was then allowed to trade on their platform. I quickly made about {$5000.00} in profits with XXXX XXXX after 21 days of trading with them myself. However, they never paid me the {$5000.00} that I had made in trading profits. Long story short ... XXXX is a SCAM COMPANY who is in league with XXXX XXXX to make quick profits from people and never give them their money back no matter how much I ask for it unfortunately. Please help me recover my {$660.00} back from Barclays Mastercard because I've already asked for a refund from the XXXX  company ( or " XXXX XXXX '' as they are publicly called ) and they won't refund me the money they owe me. The Barclaycard Disputing Department has already been through the disputing process and couldn't find enough " evidence '' to support my claims. ( Although they never even asked for additional evidence from me at all. Which they definitely should have done to begin with. ) Please help me get the justice I deserve from these nasty thieves and robbers! Thanks a million!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$9700.00XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3900.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts on the following companies were 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 ( 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.

They have 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 2024-12-07 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account # XXXX ( Late Payment ) Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ( enter late payment date XX/XX/XXXX ) ( enter late payment date XX/XX/XXXX ) ( enter late payment date XX/XX/XXXX ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Cc : CFPB FTC 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On the date of XX/XX/XXXX i received a copy of my current Equifax credit report and noticed outdated information. The following account : XXXX XXXX XXXX is aged over 8 years and still reporting on my credit at which is a clear violation of my rights. The stated account reflects a last payment date of XX/XX/XXXX. Also I have noticed that Equifax continued to add late payments to this account long after the said account was charged off. Please stop violating my rights and remove this account from my credit file.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed inaccuracies on my credit report under 15 USC 16c-2. The listed inquiries were not authorized by me and are negatively affecting my credit. Please remove all unauthorized hard inquiries.

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 status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While reviewing my credit report, I came across a number of billing errors. The late payments noted are not consistent with my history of timely payments. Please resolve these discrepancies and update my account accordingly.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED TN CHILD SUP 23534 BALANCED {$2300.00} ( Original Creditor XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C.

1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within XXXX business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX Accounts in XXXX : XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Incorrect Personal Information : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Unit XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX Unauthorized 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  This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C.

1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX Accounts in XXXX : XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Incorrect Personal Information : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX Unit XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX Unauthorized 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 This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief