vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 


Account Name : XXXX XXXX XXXX XXXX Has different account numbers, Incorrectly reported as late, incorrect date of last payment, different payment histories and multiple creditors with different names and addresses This item must be deleted from my report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
I have attached documents with highlighted inaccuracies to validate my dispute. 

Sincerely yours,

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 


Account Name : XXXX XXXX XXXX XXXX Has different account numbers, Incorrectly reported as late, incorrect date of last payment, different payment histories and multiple creditors with different names and addresses This item must be deleted from my report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
I have attached documents with highlighted inaccuracies to validate my dispute. 

Sincerely yours,

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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.

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!

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 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the alleged debt of {$910.00} that Pro Collect Inc. has attempted to collect from me. I believe this debt is invalid and improperly charged. I have not received any written notice detailing the nature of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

This charge originated from my lease with XXXX XXXX. I was entitled to one month of rent waived as part of the agreement, which was explicitly stated to me when I moved in as a student. Despite my attempts to resolve this matter directly with XXXX XXXX, including sending an email disputing the charge, they failed to respond and unjustly forwarded the account to your agency. 

As I do not owe this debt, I am requesting the following : Validation of the Debt : Please provide all documentation, including a detailed statement of the debt, the original agreement, and any other relevant records that substantiate this claim. 
Report the Debt as Disputed : Until this matter is resolved, I demand that this debt be reported to credit bureaus as disputed, as required by law. 
Cease Collection Efforts Until Validation : Under the FDCPA, you must cease all collection efforts until you provide the requested validation documents. 
I am XXXX XXXX with limited financial resources and should not be held accountable for a debt that I do not owe.

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 2024-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a valid claim that my personal information was impacted by the Data Breach. I was contacted by the administrator for the XXXX payment from the lawsuit. That was paid to me. However I have not received the initial payment nor was I contacted about it to receive it. I've reached out to the administrator about it and was silenced with no response. After I was told UN- CLEARLY that I WOULD NOT RECEIVE IT. SO I EMAILED BACK TO PLEASE CLARIFY THE RESPONSE AND NOW NO RESPONSE FOR DAYS. 
Clearly they were able to contact me for the XXXX payment of {$22.00}. 
But the harm done to me by this breach was very harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a charge off reported on my credit that I have never recieved a 1099 form for. Also, according to the IRS any cancelled debt ( charge off ) is gross/ordinary income and income is not supposed to be reported on my credit. This renders the charge off report as inaccurate. I was contacted numerous times through email, phone and text throughout all times of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: FL

Complaint narrative:
Attempt to Opt-Out of company Corelogic/Credco database due to being a victim of Identity Theft to the following data breaches below ; 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 XXXXXXXX, have compromised all of my data being shared from Corelogics/Credco, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  According to 12 CFR 1002.9-1022 and Section 701 ( d ) ( 6 ) ( 15 U.S.C. 1681-1691 ( d ) ( 6 ) regulations C-B, multiple accounts appear as inaccurate information on my credit reporting profile e.g. medical records, late payments, charge-offs, collections, repossessions, debt collecting agencies, credit bureaus, name, address, phone, and hard/soft inquiries.

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 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PRIORITY PLUS FINANCIAL LLC
State: NH

Complaint narrative:
I'm receiving Economic Relief for Affected new Hampshire Families mailing that appear to be official government mailing. The outside of the envelope cites title 18 Sec 1708 US Code and {$20000.00} fine or 8 years imprisonment or both for any person who interferes with or obstructs delivery of this letter or otherwise violates 18 USC 1702 et-seq.

No where on the outside of the envelope does it disclose that it is a private organization. Envelope is design to look like a mailer that came from Treasury or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
The account had sum fraudulent charges which i reported i was told to order a new card i did they debited XXXXXXXX XXXX from my account to pay for the card then said my card wasnt approved and my card cost was undesputeable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
The original loan of {$5000.00} was paid in full and I've attached proof. The original company XXXX  XXXX was paid and demand letters are now arriving from Sequium Asset Solutions , LLC for XXXX XXXX  on behalf of XXXX  XXXX. 

In XX/XX/year> and XX/XX/year>, I have provided proof to this company but they continue to send the demand letters threatening collection action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have a CitiBank XXXX XXXX Credit Card. I previously had autopay set up with my XXXX savings account ending in XXXX. In XX/XX/year>, I opened a new account with WealthFront ( also XXXX XXXXXXXX XXXX XXXX ) which ends in XXXX. On XX/XX/year>, I linked my XXXX account to CitiBank as a method of payment ( see attached email ). On XX/XX/year>, I was charged a {$30.00} returned check fee when CitiBank attempted to charge my XXXX savings account for the last statement balance of {$270.00}. XXXX notified me that it was rejected as insufficient funds. As soon as I opened the email notifying me of this, I opened my CitiBank account and paid the full balance of {$410.00} through my XXXX account. See the attached CitiBank statement ending on XX/XX/year>, for proof of these transactions. I was not previously charged any fees in the multiple statement periods between when I added my XXXX account on XX/XX/XXXX and this fee on XX/XX/XXXX. I contacted CitiBank on XX/XX/year> to ask that they waive the {$30.00} fee, but they declined to do so. 

I have always paid all my bills on-time and I have referred this Citi card XXXX many of my friends, even when there is no referral bonus, because I enjoy being a Citi cardholder and previously had great experiences with my card. I paid more ( {$410.00} ) than the balance due for XXXX ( {$270.00} ) as soon as I found out about this issue. This is the first time I have ever been charged a returned check fee. I would like to respectfully ask that Citi waives the {$30.00} fee given this reasonable mistake and possible glitches in their payment system. Thank you.

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 monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX a mobile deposit was made to Citibank for XXXX. I have called every day since to find out when funds would be available as this has NEVER happened before!!. 
Today is XX/XX/XXXX and they said they do not have a date for when my funds will be released. 
No XXXX! This institution has caused financial stress and my family that worked so hard for our money will not be able to purchase XXXX dinner. 

How is this legal? 
Its my money, the check is not fake, its not hand signed it a printed check from a well established local company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I opened the account last month and because my SSI check wouldn't be sepsis until the XXXX they closed my account. They didn't even give the governed time to transfer my check to the new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I requested a payoff quote and received the amount along with instructions for paying off the mortgage. Following the instructions, I wired the specified amount, but the wire transfer was rejected and reversed back to my account. 

Afterward, I tried contacting their customer support, but their virtual assistant kept disconnecting the call, insisting that all services could be completed online or via a live chat agent. When I connected with a live chat agent, they directed me to email their research department. 

The research department responded with technical explanations, apologized for the inconvenience, but failed to provide a clear reason why the payoff amount wasnt accepted. As an alternative, I attempted to pay additional principal through their website, but the platform only allowed payments up to 95 % of the mortgage amount. I paid 95 % of the amount, but this payment was also rejected and placed into " unapplied funds. '' When I reached out to their live chat agent again for clarification, I still didnt receive a satisfactory explanation regarding the issue or the rejected payments. 

I can provide the proof of these allegations if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, XXXX OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, XXXX OF LAST ACTIVITY, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Account Name : CXXXX XXXXXXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX Nhas failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am certain I pay on time, so the late payments reported dont make sense. USC 1666b requires correcting such errors to reflect " paid as agreed. ''

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