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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOUTHSTATE BANK CORPORATION
State: IA

Complaint narrative:
Early this year I contacted XXXX XXXX XXXX  indicating I was not notified of a change in escrow and subsequent past due payment, as a result of Escrow Changes. The payment was short the recalculated escrow amount. Please see the attached communication that was provided to the the Bank. 

I was just made aware of another escrow shortfall due to a change in escrow analysis. The response from lender is attached, and is a satisfactory solution. 

Attached is a view of the online banking system, which does not indicate any shortfall in payment.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Spirit Airlines credit card. I linked and verified an external checking account to autopay this credit card. The bank info was listed in their system as verified. BofA never requested additional information, so I assumed the account was set up for autopay and didn't have to worry about it. Turns out, unlike every other credit card I have, there were several more steps involved to actually activate the autopay feature. At the same time, Bank of America emails were no longer going to my inbox, and I didn't realize I had delinquent payment of approximately {$100.00}. A couple months later, that balance has ballooned to over {$400.00} and I have a negative delinquency on my credit report.

When I called them and asked them to fix, they refused. This is patently unfair : BofA makes it much harder to link an external account because they want to coerce us into a personal checking account at BofA. In addition, why don't they better manage their emails so that XXXX XXXX ( a very common platform ) doesn't assign their emails to the junk folder.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 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: JPMORGAN CHASE & CO.

Complaint narrative:
I ordered a XXXX XXXX from XXXX on XX/XX/XXXX, with an expected delivery date of XX/XX/XXXX. After receiving an email notification that my package had been delivered, I found no trace of it at my residence. I contacted XXXX to report the missing item. They initiated an investigation and initially offered to refund the purchase but later claimed that the product had indeed been delivered, sending me a photograph of an envelope-sized package on a publicly accessible road as proof.

This package, not containing the XXXX XXXX I ordered, was no actual evidence of delivery. After consulting with neighbors and family members, it was confirmed that no one had seen the item. I communicated these findings to XXXX, emphasizing that the photo did not show my actual purchase and expressed concerns about the delivery location 's security. 

Despite this, XXXX insisted the item was delivered and directed me to request a chargeback through my credit card provider, Chase. I followed this advice, and initially, it seemed resolved until Chase reversed the chargeback, withdrawing the amount from my account again, citing the same inadequate photo as evidence of delivery.

I have since repeatedly contacted both XXXX and Chase to resolve this matter. XXXX has not provided further assistance or proof that the envelope contained the XXXX XXXX. Meanwhile, Chase has asked me to submit additional documentation to support my case, which is challenging as it is impossible to provide evidence for an event ( the delivery of the actual product ) that never occurred.

I am now left without the product and the money I paid, with both XXXX and Chase providing no further assistance. I seek intervention to address this mismanagement of my consumer rights and request a fair resolution to my chargeback dispute.

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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$56000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX  {$240.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$24.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-12-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$56000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX  {$240.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$24.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$56000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-12-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for these credit cards or auto loan, and I called XXXX XXXX on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently look at a copy of my credit report and noticed several inaccuracies on my credit report, these inaccuracies are hurting my credit.I am writing to formally dispute inaccurate address information on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX new york XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX new york These addresses are incorrect and should be removed immediately. I believe this may be a result of a clerical error or incorrect reporting by a third party. Please update my credit file to reflect the accurate information below : correct adress : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX In accordance with the FCRA ( 15 U.S.C. 1681i ), I request that you investigate these inaccuracies and delete the incorrect addresses from my 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 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 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: TN

Complaint narrative:
I have previously requested all 3 bureaus to verify this account. Afterwards I received an updated copy that still show inaccurate information. There showing closed charge off with balances/ 90 days late and a current status. I ask that this be investigated and removed according to the law. I also notified an unlawful inclusion to my credit file in HIPA laws have been violated. 
XXXX XXXX XXXX earlier shied on my report as a XXXX debt with a XXXX office showing. After an update its now showing deleted from 2 credit bureaus but Experian remained with description of a XXXX line. My concern is how did a debt collector receive my personal information and why was it allowed to be shared into my credit profile. Please investigate and delete all unlawful and inaccurate information from all 3 Credit Bureas XXXX, XXXX and Experian. I thank you for your time and listening to my concerns.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have previously requested all 3 bureaus to verify this account. Afterwards I received an updated copy that still show inaccurate information. There showing closed charge off with balances/ 90 days late and a current status. I ask that this be investigated and removed according to the law. I also notified an unlawful inclusion to my credit file in HIPA laws have been violated. 
XXXX XXXX XXXX earlier shied on my report as a Medical debt with a XXXX office showing. After an update its now showing deleted from 2 credit bureaus but XXXX remained with description of a XXXX line. My concern is how did a debt collector receive my personal information and why was it allowed to be shared into my credit profile. Please investigate and delete all unlawful and inaccurate information from all 3 Credit Bureas TransUnion, XXXX and XXXX. I thank you for your time and listening to my concerns.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have previously requested all 3 bureaus to verify this account. Afterwards I received an updated copy that still show inaccurate information. There showing closed charge off with balances/ 90 days late and a current status. I ask that this be investigated and removed according to the law. I also notified an unlawful inclusion to my credit file in HIPA laws have been violated. 
XXXX XXXX XXXX earlier shied on my report as a Medical debt with a XXXX office showing. After an update its now showing deleted from 2 credit bureaus but XXXX remained with description of a XXXX line. My concern is how did a debt collector receive my personal information and why was it allowed to be shared into my credit profile. Please investigate and delete all unlawful and inaccurate information from all 3 Credit Bureas XXXX, Equifax and XXXX. I thank you for your time and listening to my concerns.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION 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! 


Update 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 non-monetary relief