vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
Experian is not properly investigating and reporting falsely on my credit report 15 USC 1666B ( a ) ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) 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 explanation
Consumer complaint received 2024-06-14 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: Kriya Capital, LLC
State: CA

Complaint narrative:
My phone which was on payment plan with XXXX XXXX XXXX was damaged. I had been paying for a protection plan for the phone and submit a claim with their insurer. The insurer delivered a new phone and a pre-posted return box. I returned the broken phone. I then cancelled my service with XXXX XXXX XXXX in good standing, paid off the remaining balance on the new phone and ported out my number to XXXX XXXX Three months later, XXXX XXXX XXXX charged my credit card a " non-return fee '' according to their insurance policy. I checked the USPS tracking number and verified that the phone was returned, delivered, and signed for by their returns department. I contacted XXXX XXXX XXXX about this, but they informed me that since I ported out my number they could not locate my account. I disputed the charge with XXXX XXXX, provided all the documentation including showing that my account was paid in full and that the broken phone was returned. XXXX XXXX XXXX rejected the dispute, so I reopened the dispute with XXXX XXXXXXXX. XXXX & XXXX failed to provide proof that the charge was valid, so the charge back and credit to my account stayed. XXXX XXXX XXXX then hired a series of collections companies to attempt to make me pay for the fraudulent charge. Credence Resource Management put a derogatory collections account on my XXXX and XXXX credit reports. I started a dispute with XXXX and provided them with all the evidence proving that the charge was fraudulent and invalod. The outcome of the dispute with XXXX was that Credence Resource Management maintains that the account is past due. They did not offer any contrary evidence supporting the validity of the charge and did not perform an adequate job of investigating and correctly reporting my accounts. This negatively impacts my credit score and obtain credit and financing on favorable terms. The impact to my credit report was going from a score of approximately XXXX down to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
I have identified these items on my report that are related to identity theft. These items are not related to any transactions completed by me. These hard inquiries listed from : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: PA

Complaint narrative:
I recently reviewed my credit report and notice inaccuracies about accounts/information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: PA

Complaint narrative:
I recently reviewed my credit report and notice inaccuracies about accounts/information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: WA

Complaint narrative:
Found out through XXXX XXXX that a hard inquiry was made regarding a credit card that I never requested.

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 2024-06-14 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: PA

Complaint narrative:
On XX/XX/year>, I sent my License, police report, FTC report to Experian. I have fraudulent accounts on my consumer report from identity theft.

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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year> my debit card became unable to use. I called customer service and a representative stated due to a " bissneuss decision '' Bank Of America had chosen to end its relationship with me and close all accounts down with me. I had an XXXX dollar check depositing which was on hold status but it has since been released as of today there's XXXX. The check was backpay from XXXX for my daughter. I have rent scheduled on XXXX and an XXXX year old daughter no other funds. Bank of America is telling me they can't send me my money till the account fully closes on XX/XX/year> then I won't get it 7-10 bis. days after that. So I won't get any money from my account till XXXX. I have no money from now till I get paid on the XXXX. This isn't fair. It's cruel. I can't pay rent and I'm struggling to feed me and my daughter.

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 2024-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
XXXX XXXX dollar charges were made from my account. I immediately contacted the service and asked them to cancel these transactions but they have since refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been a customer for over XXXX years and this bank closed my account after I reported fraudulent charges they were charging me over the years. They never credited those charges. After they closed my account I have a money due bac however it's been months and they still haven't sent me a check for the amount they owe me. I have reached out to Office of Comptroller and they told me if this isn't resolved to reach back out to them. 

What they have been doing is illegal and I reach out to FTC and Office of Comptroller if this isn't resolved. I don't know how this bank that is regulated can get away with such fraudulent and illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: IN

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-06-14 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: IN

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-06-14 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: NY

Complaint narrative:
Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX of Bro Date of XXXX Unathorized inquiry XXXXXXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Dealer Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX XXXX  Account XXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX  Account XXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly XXXX 
Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this XXXX payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment XXXX is a violation. I Have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " to paid '' Under15 USC this late payment entry XXXX a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid time '' This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated XXXX  Account XXXX This Account needs to be valited XXXX XXXX Account XXXX This account needs to be validated XXXX Account 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 2024-06-15 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, and XX/XX/year> ) I'd like to ask you to investigate this account and update these payments to be paid on time immediately. Thank you for understanding and taking the time to take action.

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 2024-06-15 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, and XX/XX/year> ) I'd like to ask you to investigate this account and update these payments to be paid on time immediately. Thank you for understanding and taking the time to take action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: OR

Complaint narrative:
. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well.According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1692s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: IA

Complaint narrative:
According to XXXX regarding policy number XXXX, the policy was specifically in XXXX XXXX name as the primary account holder with me as an additional driver. XXXX XXXX made several payments in the amount of {$220.00}. They were made on these dates with confirmation numbers. XXXX XXXX for {$50.00}, confirmation XXXX. XX/XX/XXXX, {$50.00}, confirmation XXXX. On XX/XX/XXXX, {$44.00}, confirmation XXXX and XXXX XXXX for {$100.00} Confirmation number XX/XX/XXXX. The complaint with XXXX XXXX XXXX, is that this is not my account but my fathers and enclosed is the confirmation numbers to support. Their number is XXXX. My father and I spoke with them back on XX/XX/XXXX. XXXX is the original Creditor that indicated I owed them nothing and there was nothing in their database but they are reporting it to Equifax. This account has already been disputed and purged from my XXXX and XXXX XXXX reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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