vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good day, please see supporting documents for my dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
My conventional XXXX XXXX XXXX was refinanced through loanDepot in XX/XX/XXXX. This property was purchased by me in XXXX of XXXX and financed through a conventional XXXX XXXX XXXX. Between then and the present, I have not missed any payments or become behind on the loan. I am also current on property insurance and property taxes. When I first purchased the property in XXXX, I put down a 20 % downpayment in order to save the cost of XXXX XXXX XXXXXXXX, deal with the hassle of escrow, and have control over my finances, with the mortagor only being a part of that. My philosophy has not changed between when I purchased the property, refinanced, and present day. I never had any of the following issues with the original mortgage, nor their servicing -- despite the servicer being changed. In fact, my insurance with XXXX is still the same policy from the day of purchase to refinance to today. 

Enter XXXX when I refinanced my property with loanDepot. loanDepot is also the current servicer, and who this complaint is aimed at. For the second time, loanDepot has, without my knowledge or consent, opened accounts in my name -- months prior to my knowledge. These accounts were opened to accure large fees months before they went into effect. These fees are for an escrow account, which I have never had, nor have any reason to have, so loanDepot can purchase property insurance on my behalf, at roughly XXXX the cost of the insurance that I already have, that meets the requirements, both federally and internal to loanDepot. The reason these accounts were opened, according to a phone representative on XX/XX/XXXX, is simply that loanDepot presumes homeowner 's insurance is not in place unless proven otherwise, despite them having the policy information. To be clear, my homeowners policy has been with XXXX since day XXXX of ownership and has been renewed, with loanDepot as the named insured. With all of that being said, my payment on XX/XX/XXXX and forward will be roughly 50 % more if these concerns are not taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
This payoff was paid and received on XXXX XXXX! The company has the check in their possession and not correcting my account. The vehicle was traded in for safety reasons because it has computer problems. I have proof that they received the check and a copy of the check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had an account with XXXX and this account was closed years ago. I did not have access to email or the account and they continue to charge me fees. When I've called about a dozen times they put me on hold for hours and then ultimately hang up on me. The charges were made after the account was closed, because the charges were made so long ago the agents are not allowed to remove the charges, they continue to charge late fees even though the account is not in use and closed. at this point there are thousands of dollars in fees and I'm not sure how to stop. The customer support is in XXXX and there is no person to speak with in the US. Not only are they charging me fees for transactions never maid, they are reporting to the credit bureaus that I'm late on my payments affecting 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 monetary relief
Consumer complaint received 2024-06-24 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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE balance of XXXX LOAN .This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 



Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all XXXX reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
To start this let me say, I am a homeless veteran and I am on a very small fixed income. So I dont have a lot of money. I was placing an order on the XXXX app. The total was like {$18.00}. It didnt go through because I forgot to unlock my cash app card. So I unlocked it and tried it again. Then all of a sudden my cash app was charged {$44.00} and on top of that, the order wasnt even showing up on the XXXX app anymore. So I went to the XXXX and they told me it got canceled. Long story short they didnt give me my food. And the {$44.00} charge actually posted. So I disputed it with cash app. They denied the dispute. 8 times. I made a XXXX about it. And cash app actually commented on it please dm us and our team can take care of this for you They sent me through the exact same process I already went through 8 times before and guess what? They denied it again. They literally got my hopes up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: IN

Complaint narrative:
Money was taken from my Account due to a payment to a Credit card and then activated a new one in the same day subsequently the Credit card super-imposed itself into my Account which threw off all my transactions and caused my Account to lag for more then a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity/Victoria 's Secret account # XXXX was reported as late, there were no late payments on this closed account. Please make sure XXXX XXXX credit report reflects no late payments. Please update their credit report and have it reflected that Comenity/Victoria 's Secret account # XXXX is in good standing and was never late. This needs to be reflected in XXXX XXXX credit report. We hope this resolves the ongoing issues with this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On Wednesday XX/XX/XXXX I had a preapproval pop up in my Chase account while paying my bill that I was preapproved for a Chase Sapphire Reserve with a {$30000.00} limit and a welcome bonus of XXXX points with a {$4000.00} spend threshold within the first three months of account opening. I applied for the card, was accepted, and received my card in the mail later that week and began to work toward my monthly spend. The following week, I called into confirm the sign up bonus terms and conditions as I could find no notice of it anywhere in the welcome package or the online account portal. I contacted the customer service department on the number on the back of the card on XX/XX/XXXX at XXXX. The initial agent told me that I was not eligible for a sign up bonus and I had agreed to this via a pop up in the application process. I informed her that no such pop up happened, and there was reason why I would have continued with the application if it had, as the sign up bonus was the whole reason for the card. I also informed her there was no reason why I should have been declined ( as I had never received a sign up bonus from Chase for any reason ever, and had never had any of the Sapphire family of cards. She indicated there was nothing she could do and offered to escalate my issue to the marketing department. I asked for a more immediate escalation, specifically her supervisor. After 25 minutes on hold I was directed to a supervisor that said there was nothing she could do, she could not escalate the account issue, and there was nothing that could be done. I again expressed my displeasure and asked what my options were and if they could provide me with any proof that the pop up had occurred and that I had agreed to it. She could not and provided me an address where I could send a letter if I so chose to file a higher need with corporate. This is supposed to be a premier card with for premier customers and I was lied to and basically had {$750.00} of rewards bait and switched.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
My account with XXXX XXXX XXXXXXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported to be removed. 

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 XXXX days before the payment due date. 


XXXX XXXX XXXXXXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I looked at my credit report back on XX/XX/year> and noticed some things were not accurate. I sent a letter to TRANSUNION on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results on XX/XX/year> ( electronically ) and noticed they did not fix anything. This resulted in TRANSUNION breaking Federal Law. 

According to 15 USC 1681e ( b ) it states that ( 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 who the report relates. 

So I then asked them to provide me a description of the investigation ( Tracking # XXXX ) according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure - A reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. TRANSUNION failed to complete this action. Due to this, TRANSUNION is breaking the described laws. 

TRANSUNION has violated the following : According to 15USC 1681i ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 ; According to 15 USC 1681s-2- ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-06-24 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: NC

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. 
My request to correct this information keeps getting disregarded and my credit score is unfairly affected

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 2024-06-24 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: AZ

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion 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 non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Northstar Legal Group LLC
State: MN

Complaint narrative:
I was told I could apply for a low interest loan, after talking to a person I was notified by Northstar Legal Group that a debt consolidation was what I needed to do, a notary public was sent to me to sign papers. I was told I had to pay {$300.00} a month, I was told they would handle everything. They said in 2 to 3 years I would be debt free. 
Now I am being sued by XXXX  XXXX XXXX, XXXX XXXX  is now in a collection agency and none of my cards have been paid down. I have paid Northstar Legal group {$3300.00} and nothing has been done. Now I found out that XXXX XXXX has sued them for swindling over {$100.00} XXXX from families struggling with debt. I would like my money back so I can pay my credit cards. please help me. I'm now going to have to try to get a loan with damaged credit!

Company response to consumer: Untimely response
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX ExperianXXXX XXXXXXXX XXXX XXXX Re : Dispute of Charge-Off on Account # XXXX Dear ExperianXXXX XXXX XXXXXXXX XXXX XXXX I am writing to formally dispute the charge-off reported by XXXX XXXXXXXXXXXX XXXX on my credit report . This dispute is made pursuant to the Fair Debt Collection Practices Act ( 12 CFR 1006.34 ( b ) ( 5 ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ). 

Upon reviewing my credit report, I found that XXXX XXXX XXXX has inaccurately reported a charge-off on my account with the account number [ XXXX ]. I assert that this charge-off is erroneous for the following reasons : 1. **Lack of Proper Validation ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** : According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide a clear and accurate validation of debt. XXXX XXXX XXXX has failed to provide sufficient documentation validating this debt and its amount as accurately owed.

2. **Inaccurate Reporting and Lack of Verification ( 15 USC 1681 ) ** : Under 15 USC 1681, the Fair Credit Reporting Act requires that information provided to credit bureaus be accurate and verifiable. I have not received any verification or documentation from XXXX XXXX XXXX substantiating the charge-off status of this account. Without proper verification, this charge-off should not be reflected on my credit report. 

Given these points, I request the following actions : - **Immediate Removal of the Charge-Off** : Remove the charge-off related to XXXX XXXXXXXX XXXX from my credit report to reflect accurate and verified information. 
- **Verification Documentation** : Provide all documentation used to verify and validate this debt, including any correspondence from XXXX XXXX XXXX substantiating the claim. 

I appreciate your prompt attention to this matter and expect a resolution within the 30 days required by law. Please inform me of the results of your investigation in writing. 

Thank you for your cooperation. 

Sincerely, 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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a debt of XXXX $ from XXXX while I was still a minor. I turned XXXX XXXX. I just want to get this disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX PayPal SYNCB/PPMC Account number XXXX was never late in XXXX and XXXX of 2023. Please make sure the credit report reflects no late payments on XXXX and XX/XX/year>. Please update their credit report and have it reflected that PayPal SYNCB/PPMC Account number XXXX is in good standing and was never late. This needs to be reflected in their credit report. We hope this resolves the error.

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