vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: NV

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX  ( Original Creditor XXXX XXXX  XXXX XXXX XXXX  XXXX Account XXXX XXXX Account Name : Credit Coll ( Original Creditor XXXX XXXX ) Account # XXXX Account XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consume 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 ) According to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 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 2024-08-26 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: TN

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.

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 2024-08-26 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: UT

Complaint narrative:
My husband and I used XXXX to book a vacation through XXXX. We had numerous issues and ended up reporting this charge as fraud after confiding in our bank. We spoke to someone in the fraud department at XXXX XXXX XXXX XXXX and ended up discussing the details. She told me that we most likely would not receive the full amount but she would try her best. 

We initially paid the full amount on XX/XX/2023 for XXXX. The XXXX loan was completely paid off. Then in XXXX, after trying to work with XXXX for 2 months, and not getting anywhere, we reported this charge to our bank. Who then on XX/XX/XXXX, put the full {$6700.00} back onto our account after working with XXXX. We were told that this was our money and that XXXX could not request the money back since this is how much they decided to refund us. 

Fast forward to XXXX, I received a phone call from a collection 's agency stating that we owed XXXX money and it wasn't paid, so now we are in collections. I told the collection 's agency our situation and they stated they would send this case back to XXXX  to review. I have not received ONE phone call from XXXX asking for payment for my loan. I am confused why it was sent to collections in the first place since this scenario was cleared with XXXX and XXXX XXXX XXXX XXXX. 

My husband and I went to apply for a business loan for our small family-owned business today and were denied since this claim has now negatively affected my credit. I need this cleared up with the credit bureau ASAP. 

XXXX is now requesting evidence of fraud when this was discussed with XXXX XXXX in XXXX of 2023. Why would XXXX disperse the money back to us without checking into the situation first? XXXX sent our bank the money to pay us back. See the amounts attached with dates. It has been a year and this should have been resolved and never been an issue. 

I have used XXXX  for many large purchases and have paid them off in FULL and I do not appreciate the lack of communication on XXXX  's end. 

My husband and I are now in collections with another agency, TrueAccord Corp, who we have sent the SAME information and dispute letter from XXXX XXXX. We thought this was resolved and now this is really affecting our credit for our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I own a condominium in XXXX, Florida. 
I have a mortgage with Mr. Cooper, loan XXXX. 
I have to maintain flood insurance. The condominium complex, XXXX XXXX XXXX maintains and updates insurance every year. 
Recently, Mr. Cooper requested a copy of the updated flood insurance. 
I submitted documents via email XXXX times. I also had the insurance company directly submit requested information. 

I called Mr. Cooper literally over XXXX XXXX times and was never able to connect with a human representative. Mr. Cooper makes it impossible for a customer reach out to a human agent. 

My insurance agent also attempted to connect with a human representative at Mr. Cooper unsuccessfully. 

This is not the first time I have had difficulty

with Mr. Cooper. I suspect this type of business practice is unethical and may not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
There was a hard inquiry on my credit report that I did not recognize. I called the number to the bank from my credit report and none of my information matched any of their applicants information. I did notice the hard inquiry is only on my XXXX report as of right now. On their website, there is an inquiry for XXXX XXXX which is a past name of mine, which I have not used since 2008. The bank could not give me any information but did say there was a similar name and they would report the application as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: SC

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.

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 2024-08-26 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for GM Financial and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : GM Financial and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Background : On XX/XX/year>, I requested the following information from GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, GM Financial, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from GM Financial to XXXX XXXX XXXX XXXX XXXX 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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 account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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

I demand the late payment reported in 60 days 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.

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 8

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 2024-08-26 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit and purchase a home for me and 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 non-monetary relief
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit and purchase a home for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
so I bank with FNBO banking with a credit card from XXXXXXXX i got a late fee with them which was XXXX dollars I thought there was a bill signed by biden that will cap on late fees to XXXX dollars why are they allowed to still charge me more than XXXX dollars please help

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 2024-08-26 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: GA

Complaint narrative:
I am extremely confused about the inaccuracies reflecting on my report. I feel down and I could no longer continue with my daily routine because my credit score has negatively affected my emotions and mental well-being

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 2024-08-26 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: GA

Complaint narrative:
My account with 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 60 days 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. 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 8

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Credit reporting agencies punish consumers both directly and indirectly by lowering credit scores which will potentially impact rates on credit line and and thus the interest and rates consumers end up paying for being fiscally responsible by doing things like, paying off credit cards regularly, not undertaking unnecessary loans, or having enough credit cards. This is an unfair practice which should not be allowed.

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 2024-08-26 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:
Recently I checked my consumer report and noticed items to be inaccurate on my report. 
15 U.S. Code 1681e - Compliance procedure ( b ) ACCURACY OF REPORT 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, 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.

Taken directly from out of the IRS 2021 publication.

The IRS clearly defined a charge off as gross or ordinary income.

INCOME DOES NOT GET REPORTED ON THE COMSUMER REPORT.

Which in fact makes your reporting of this account inaccurate.

By, definition the IRS Cleary says a cancelled or charge off is income. Reporting this account as a debt is inaccurate.

Which in fact your reporting of this account inaccurate!

The IRS clearly says a cancelled debt or charge off is income. 
The reporting of this account as a debt is inaccurate. 
The above paragraph was taken directly from out of the IRS 2021 publication. 
Delete this inaccuracy from my consumer report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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:
Recently I checked my consumer report and noticed items to be inaccurate on my report. 
15 U.S. Code 1681e - Compliance procedure ( b ) ACCURACY OF REPORT 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, 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.

Taken directly from out of the IRS 2021 publication.

The IRS clearly defined a charge off as gross or ordinary income.

INCOME DOES NOT GET REPORTED ON THE COMSUMER REPORT.

Which in fact makes your reporting of this account inaccurate.

By, definition the IRS Cleary says a cancelled or charge off is income. Reporting this account as a debt is inaccurate.

Which in fact your reporting of this account inaccurate!

The IRS clearly says a cancelled debt or charge off is income.

The reporting of this account as a debt is inaccurate.

The above paragraph was taken directly from out of the IRS 2021 publication.

Delete this inaccuracy from my consumer report immediately.

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