vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported, I filed a complain with you guys about this already, this is the 3rd time and filing a complain about this same account and you said the information you have is valid which is not true. this account has been paid off and i have attached a screenshot of the last payment made totally the total amount owed on XX/XX/year> and on XX/XX/year>. Account Name : XXXX XXXX Account numberXXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00} find screenshot on this below show payments of the balance {$3700.00} on XX/XX/year> I have attached a screenshot of email from company confirming this loan has been paid in full. this screenshot also contains loan payment confirmation reference number.

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 2024-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported, I filed a complain with you guys about this already, this is the 3rd time and filing a complain about this same account and you said the information you have is valid which is not true. this account has been paid off and i have attached a screenshot of the last payment made totally the total amount owed on XX/XX/year> and on XX/XX/year>. Account Name : XXXX XXXX Account XXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00} find screenshot on this below show payments of the balance {$3700.00} on XX/XX/year> I have attached a screenshot of email from company confirming this loan has been paid in full. this screenshot also contains loan payment confirmation reference number.

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 2024-06-10 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On Tuesday, XX/XX/year>, I received an email from Chase Bank with an alert advising that my account had fraudulent activity and they were closing my account. When I called the phone number listed in the email ( attached ), XXXX, I was told that there was no fraud on the account, however, they had made a decision to close out my account. The rep I spoke to did not know the reason but stated that it was the banks decision and that they could close out an account at any time, for no reason. They advised that I review the small print on the information I received when I opened the account. 

Now, I dont have a problem with them closing out my account, however, the shut off all access to my monies and my debit card. They did not open a new account or provide a new debit card as they said, they no longer wanted to do business with me. That is fine, but give me my money. My rent was due to come out of that account and I could not buy groceries for my XXXX children. I was told that I would receive a check in the mail in 10 to 15 days. That is totally unacceptable. 

I then went to my local Chase located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. The teller looked at my account and said she saw no fraud and could not determine why the account was closed. She then called the back office to see if they could see a reason, and they could not. She then told them that because they were processing and preparing to return me my money that she was unable to do anything. I had {$1100.00} in one account and {$8.00} in the second account. 

I could not pay my rent or buy groceries. This is unacceptable. If they wanted to close out my account, they should have given me enough time to open an account with another bank so that I could have my paycheck redirected. My paycheck is directly deposited to my bank account. I also have bills that are debited from my account. They have caused me a lot of trouble. Because of their actions not only was I not able to receive my money from the local Chase Bank, I also could not receive my paycheck in a timely manner. My dad had to pay my rent. 

I understand they can shut down an account for fraud, however, there was no fraud. Also, the practice with regard to fraud is that a bank will give you a new account and new cards. This was not done. These actions should not be allowed to happen. 

I think that there should be some penalty or action taken against a company that is allowed to do this to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: IL

Complaint narrative:
I am writing to dispute an inaccurate account reporting on my credit report. That is persistently affecting my creditworthiness. I believe this account is inaccurately reported, and its continuous presence is unfairly damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
The present bank, Regions Bank, who currently charge me the mortgage payments on the house. It is charging me an unreasonable amount that does not correspond me to pay. 
Regions is not respecting my rights as a consumer and it is acting in bad faith and taking an unfair attitude with me as a customer and consumer. 
The bank is taking advantage of his power charging amounts that it shouldnt do. Since XX/XX/year> I have been requesting ( by phone calls and written messages through my account ) to remove me and being effective the cancellation of The Private Mortgage Insurance ( PMI ) from my house since I meet all the criteria ( and I can prove it by sending all the documents that support my request ) but they denied stating different excuses that make no sense and logic. 
They are not respecting and complying a law that is The Homeowners Protection. This bank is causing me frustration and I ask you for your help to stop and intercede with this banks action who is acting with a deceptive practices and behaving abusively towards the consumers rights. 
Extra Info : On XX/XX/year> they were requesting to pay them {$200.00} to make the appraisal which I made effective.

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 2024-06-10 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: IL

Complaint narrative:
I am writing to dispute unauthorized inquiries listed on my credit report. 

Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to dispute off the following accounts on my credit report. 


EXPERIAN : 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 XXXXXX/XX/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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENTS : XXXX XXXX XXXX XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: PA

Complaint narrative:
My account with XXXX 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 last XX/XX/2023 and XX/XX/2023 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 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! 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 non-monetary relief
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered several hard inquiries that I did not authorize or initiate. These inquiries have negatively impacted my credit score and financial standing, and I request your assistance in rectifying this matter. 

Hard inquiries and the date reported on Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please include this address, I never lived there : XXXX XXXX XXXX, GA XXXX Hard inquiries and the date reported on XXXX : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard inquiries and the date reported on XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Despite my efforts to address this issue directly with the credit reporting agencies, the unauthorized hard inquiries remain on my credit report, causing ongoing distress and concern. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy of the information they report. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized hard inquiries from my credit report. Additionally, I request that the offending parties be held accountable for any violations of consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries, as well as any supporting documentation I have available. Please let me know if you require any further information to proceed with your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
I am disputing inquiries that are being reported on all three of my credit reports. TransUnion, XXXX and XXXX. I did not authorize nor am I aware of any of the inquiries from the following companies. 

Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXXXXXX XXXX XXXX XXXX  SOFT INQUIRIES DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Soft Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  Soft Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  Soft Inquiry 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 2024-06-10 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: TX

Complaint narrative:
I am disputing inquiries that are being reported on all three of my credit reports. XXXX, Experian and XXXX. I did not authorize nor am I aware of any of the inquiries from the following companies. 

Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXXXXXX XXXX XXXX XXXX SOFT INQUIRIES DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Soft Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Soft Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Soft Inquiry 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: FL

Complaint narrative:
Subject : Complaint Regarding Disputed Debt Collection Practices by Viking Client Services and XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint against Viking Client Services and XXXX XXXX XXXX regarding an erroneous debt collection claim that violates the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : - Amount : XXXX - Debt Collector : Viking Client Services -Date of Incident : No details were mentioned in the letter from Viking Client Services XXXX But the claim was regarding a rental vehicle. 
- Creditor : XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX, I contacted XXXX customer care and was informed by a representative that I did not owe any outstanding debt. I returned the vehicle in perfect condition on the past few occasions when I rented a vehicle through XXXX, and no additional charges were mentioned at the time of return ( receipts of payments attached ). 

Despite this, Viking Client Services has contacted me, claiming that I owe XXXX a debt. This claim is incorrect and may result from a clerical error or miscommunication between the entities involved. Furthermore, I have not received any communication from XXXX XXXX XXXX regarding any outstanding payment, which leads me to believe that the debt is not legitimate. 

Additionally, the letter from Viking Client Services does not provide any details about the charge, such as the nature of the alleged debt or any specific transaction details. This lack of information further complicates my ability to verify the claim 's validity. I have requested verification of the debt from Viking Client Services but have not received adequate proof to substantiate their claims. 

I am concerned that this erroneous debt collection attempt is not only causing undue stress but may also potentially harm my credit rating. I believe these actions violate the FDCPA and request the CFPB 's assistance in investigating and resolving this matter.

I kindly request that the CFPB take the following actions : 1. Investigate the debt collection practices of Viking Client Services concerning this matter. 
XXXX. Ensure that XXXX XXXX XXXX corrects any inaccuracies in their records related to my account. 
XXXX. Ensure that any negative information about this disputed debt is removed from my credit report. 

Thank you for your attention to this important issue. I appreciate your assistance in resolving this matter promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
Collection account below was paid with deletion upon payment. This was on a recorded line. This would be a violation of my rights. See attached paid email receipt. 

Account number : XXXX

Company response to consumer: Closed with non-monetary relief