vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: VA

Complaint narrative:
I am asking for your help regarding an inaccurate account that is listed on my credit report. This concern impacts my reputation as a customer, so I need your support to address it. I want these inaccurately reported accounts removed because they have a negative effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have contacted Equifax several times about my personal information to correct my address which I have actually talked to a live person who assured me the address was corrected and old addresses were removed and they are not correct or removed, also I asked for my employment info to be removed as have not worked at those companies for over 6 years. 

the address the have listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX the correct address should be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX these addresses should be removed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MN XXXX I am no longer employed at these companies XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I found what looks like an incorrect account that isnt mine.

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 2024-11-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a XXXX XXXX with US Bank. I have been attempting to pay off the car loan since XX/XX/24. They have kicked the information back for the pay off 3 times and then told me that the account I am paying the payments with is non existant. which is the account I have attempted to pay off the car loan with. When I asked them about the interested that they continued to charge me they basically told me that they don't care and I am just going to have to pay the interest. This is unethical and I wonder how many people US Bank is doing this too? As far as I am concerned, they owe me the interest that I have continued to pay after the first attempt to pay this car loan off. This is robbery! 

Please help! these people are awful!!! 

Thanks, 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to request your assistance in addressing an ongoing issue of inaccurate information reported on my credit report by the three major credit bureaus. Despite my efforts to resolve this matter directly with them, they continue to report a bankruptcy inaccurately, which I believe constitutes a violation of the Fair Credit Reporting Act. 

Recently, I contacted the bankruptcy court to inquire about the source of the information, as I suspected that the reporting was not based on any official communication. In response, the XXXX XXXX informed me that they do not provide any reporting to credit agencies. This confirmation indicates that the credit bureaus have been inaccurately reporting my bankruptcy status without verification, despite their claims that an investigation was conducted. It is apparent that the investigation they referenced was either insufficient or never actually occurred, leading me to believe that they have provided me with misleading information. 

Given this, I am requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit bureaus immediately remove the erroneous bankruptcy information from my credit report. This incorrect reporting is causing significant harm to my creditworthiness and has impacted my financial well-being. 

Thank you very much for your time and attention to this matter. I am hopeful that, with your help, we can resolve this issue promptly.

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 2024-11-08 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to request your assistance in addressing an ongoing issue of inaccurate information reported on my credit report by the three major credit bureaus. Despite my efforts to resolve this matter directly with them, they continue to report a bankruptcy inaccurately, which I believe constitutes a violation of the Fair Credit Reporting Act. 

Recently, I contacted the bankruptcy court to inquire about the source of the information, as I suspected that the reporting was not based on any official communication. In response, the XXXX XXXX informed me that they do not provide any reporting to credit agencies. This confirmation indicates that the credit bureaus have been inaccurately reporting my bankruptcy status without verification, despite their claims that an investigation was conducted. It is apparent that the investigation they referenced was either insufficient or never actually occurred, leading me to believe that they have provided me with misleading information. 

Given this, I am requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit bureaus immediately remove the erroneous bankruptcy information from my credit report. This incorrect reporting is causing significant harm to my creditworthiness and has impacted my financial well-being. 

Thank you very much for your time and attention to this matter. I am hopeful that, with your help, we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
A few months ago I noticed a discrepancy between my actual student loan balance with Mohela vs what was being reflected on my credit report. A difference of over {$32000.00}. Ive tried, since XXXX, to resolve this through the companies involved. Ive spent no less then XXXX hours on the phone with Mohela, who have assured me they are reporting the correct balance, and I have also filed a dispute with XXXX who recently notified me that they have resolved the dispute with absolutely no changes to my account. I am unable to reach an actual human at XXXX- no phone support options available to speak with anyone. 
XX/XX/XXXX : called Mohela waited over an hour to be connected to a rep. They opened a case, gave me a case number XXXX, and told me to check back in 30 days. 
XX/XX/XXXX : called Mohela waited over an hour to be connected - supposedly to a XXXX XXXXXXXX XXXX person. Even though I had already provided all details I was still told to forward everything via email to their Death Certification department! What? Really? I was informed they have no email address specifically for these credit issues? 
XX/XX/XXXX : waited almost 2 hours to be connected to a human. This time I was told it would be expedited case # XXXX and to check my credit report the first week of XXXX. In the interim- on XX/XX/XXXX - I submitted a dispute with XXXX, I was notified that it was settled and they are essentially referring me back to Mohela. THIS is unacceptable and in NO way fair credit reporting. This is not {$32.00} - this a huge difference in my credit : debt ratio and is impacting many facets of my life & financial well being. I am asking for help in this matter. I have done everything I can possibly do to help resolve this issue - to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX. # : XXXX This account does not meet XXXX XXXX compliance standards in XXXX or more of the following ways : Accuracy : The account XXXX contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 

Under XXXX5 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for addressing this matter promptly. 

Sincerely, 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
In accordance with The Fair Credit Reporting ActThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names and numbers : XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights : XXXX! 

I looked at my Equifax credit report on XX/XX/year> 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 generallf, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase account got locked due to some kind of security protection. I called the number indicated on the App to unlock it. They told me to go to a branch. Unfortunate I'm over seas so there is no Chase here, and I will not get to the US soon. I can't access my funds and even pay their own Chase XXXX Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 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 2024-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
NewRez purchased my mortgage from XXXX, it appears this took place XX/XX/XXXX. My first payment was withdrawn from my checking account as expected, albeit a few days delayed. Soon after I received notice that they didn't received proof of insurance. At the time, I called my insurance company and they faxed proof of insurance. A month or so later, received the same notice about proof of insurance. Called again, did a three way call with my insurance company and proof was provided but due to services on NewRez side, they forced insurance and set up an escrow account. One of their representatives told me that the insurance department was backlogged - that's not my problem. I called many times to resolve with poor service but finally talked to " XXXX '' on XX/XX/XXXX who said that she would take my account off automatic payments to avoid the high payment ( which included forced insurance ) but I would need to call back to make a manual payment over the phone. On XX/XX/XXXX I called NewRez and made a payment for the XX/XX/XXXX payment due. My checking account shows this was received and paid. Today I checked my online NewRez account and I couldn't set automatic payments back up because the XX/XX/XXXX payment was outstanding. When I called NewRez ( AGAIN! ) the service associate ( XXXX XXXX kept telling me that my payment didn't go through and I kept correctly him that it did go through, they just applied it for XXXX instead of XXXX. I asked for a supervisor and got their resolve team member, who said she would send a note to the payment office to update the payment. I have made many calls and continue to have payment - application problems. I'm VERY concerned that their errors will impact my 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