vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX XXXX, XXXX, 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 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 non-monetary relief
Consumer complaint received 2024-07-23 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: MD

Complaint narrative:
I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income.

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

XXXX XXXX and XXXX XXXX XXXX, in concert with Transunion Consumer Solution, are violating the FCRA.

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 2024-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income.

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

XXXX XXXX and XXXX XXXX XXXX, in concert with XXXX XXXX XXXX, are violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income.

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

XXXX XXXX and Santander Consumer USA, in concert with XXXX XXXX XXXX, are violating the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2024-07-23 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: NV

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 explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have a high yield savings account with this company and have had it for over a year. I tried to initiate a transfer from that account to one my my checking accounts at another bank ( the same account from which I transfer money to the savings account ). The transfer was reversed and I received no notice of this. When I messaged an agent last week to ask why the transfer did not go through, I was told that it takes 3 business days and to wait until Monday. On Monday the transfer still hasnt gone through and after calling I was told the transfer was reversed the very next day after I initiated it and there was a hold on my account- so the person who told me to wait until Monday wasted my time and was incorrect.

I spent nearly 2 hours of my day trying to understand why my transfer was reversed and was never given an answer. I was told that the number the institution has on file ( which was the same number I was using to call them ) couldnt authenticate my identity- this is despite giving name my correct name, date of birth, security word, and prior address. I was told someone would call me back to authenticate me but no one did. So I called again and went through the same process again. The last thing I was told was that they would not help me over the phone as I had been told they would and someone from the security department would contact me. My funds are being held and have been held for over a week and no one has told me why. No one calls me back when they say they will ( or at all ) and I am afraid I will not have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NY

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

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-23 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CA

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

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus inquiries. 


These are the inquiries that are fraudulent on my credit report : 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 XXXXXX/XX/XXXX A copy of an FTC report listing the INQUIRIES opened in my name is enclosed. My consumer XXXX credit report now contains a fake address as a result of these INQUIRIES. A copy of your consumer XXXX credit report, which includes the aforementioned bogus INQUIRIES. The aforementioned INQUIRIES, as reported, are unfamiliar to me. The INQUIRIES listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Inquiries listed above are all the product of fraud and 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
On XXXX, I paid, IN FULL, a loan in the amount of {$1300.00}. The principal was {$1300.00} + interest XXXX for the total of XXXX. I received an email from EdFinancial with a confirmation # and the amount paid. I checked my account on XX/XX/XXXX and it says that I still owe over {$600.00} on this loan. I have been trying since XX/XX/year> to get this resolved. I spoke to XXXX on XX/XX/XXXX, XXXX on XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX told me that I needed to send proof of payment. So I sent them the confirmation email that they had sent to me along with a copy of my bank statement which shows the money left my bank account and went to EdFinancial. Each one assured me that this issue would be fixed. Unfortunately, they tell me that I can not reach someone in the finance department and I have to go through XXXX of them. The balance for this loan should be XXXX. I have XXXX other loans that I would like to pay off but I need this issue fixed first. Then I am afraid the other XXXX won't be handled correctly either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: AL

Complaint narrative:
I was a a temporary Forbearance. I received your last response to my compliant online. I never got a letter in the mail. During the time I was in forbearance, approximately XXXX payments were on hold, I was paying until that time, then the approximate XXXX month hold. 

When the loan started back up, you started over with a new XXXX years mortgage. I don't think that should be correct. Why did the loan start over to a brand new XXXX  year mortgage when I had been paying on the loan? I think I paid about XXXX payments before the forbearance. Why did the loan not start back over from that point instead restarting at XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Acra Intermediate Holdings, LLC
State: IL

Complaint narrative:
On XX/XX/2024, I requested copies of appraisal and all supporting documentation to include XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX and as of XX/XX/XXXX, there has been no compliance with this request and no response to multiple emails and voicemails left for the mortgage processor. XXXX XXXX at Acra lending. The time limit to obtain this information is Wednesday, XX/XX/XXXX at XXXX  or I lose my XXXX money of {$12000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation