vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to formally request a removal of any eviction record associated with my name which I believe is inaccurate or unjustified. 
XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ) I have the right to dispute any inaccuracies in my consumer report I believe this eviction is erroneous for reasons I never lived at apartment in question. I request you investigate matters and remove any and all records associated with my name from your records and data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-27 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: AK

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-27 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have the Chase Sapphire Reserve credit card and this morning a new promotional offer appeared offering {$100.00} cash back if a travel purchase greater than {$500.00} was made through Chase XXXX so I added the promotion to my account. The promotion has since disappeared entirely from the website. Many others are also complaining of this promotion having since been disappeared from their portal after booking travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
On XX/XX/year> I made my minimum payment they trying to tell me my bank account closed that I have used 3 month prior now there charging me a XXXX. XXXX  late charge. On XX/XX/XXXX I called and spoke to a person by the name of XXXX  she said payment posted and not to worry. Today I call and they put me straight into collections. This is avant credit card company and I think they are taking money out my account. I told them wasn't paying no more until my balance is fixed. They won't send me statements so I have no clue where all of my balance came from and now my credit is XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was a XXXX  XXXX customer. I became a XXXX XXXX customer for it's excellent software that helped me budget and plan my finances. XXXX  XXXX was sold to BBVA, whose software was okay but lost many features that made me a customer XXXX  XXXX. That same year, BBVA was sold to mega bank PNC. 

PNC 's software is aggressively difficult to use, getting anything done is a slog through a nest of ads, misdirections and counter-intuitive dark patterns. 

Now I haven't been allowed to log into their banking site for a week. 

I did not ask to be a customer of this bank, and now I can not even access my bank account. 

The fact that PNC was allowed to get as big as it did is a testament to the open corruption of this country -- I really am curious how much the bribe to XXXX XXXX XXXX ( I guess we call it a " gratuity '' these days ) from XXXX XXXX was. 

If bribes ( " gratuities '' ) weren't now legal in this country I would say there should be an investigation between XXXX XXXX and XXXX, but the collaboration, conflict of interest and corruption are flagrant and open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NC

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.A.Rogers, Inc.
State: NY

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
There are 8 overdraft fees on my account that are predatory and inaccurate. They need to be refundeded.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, back on XX/XX/XXXX or XX/XX/XXXX. I was restricted access to all my financial accounts by Navy Federal Credit Union. After reaching out to them they had concerns about possible fraud activity on my accounts as I had applied for a new CC and personal loan. I answered all of their questions. I also submitted via email 2 separate times a letter stating I requested these loans and opened these accounts. It's not been a week. I have had 0 communication. XXXX tried calling them multiple times informing them I have no money. I have prescriptions I'm out of. I cant buy food. I can't pay my bills. I have my retirement money being DD next week I can't access. They have treated me as if I'm some kind of criminal and have been rude on multiple interactions and escalations. I need help! Please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-27 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had an account that reporting inaccuracy information, the Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. for the account : XXXX XXXX XXXXXXXX Please investigate and provide Proof. If proof can't be provided I demand remove these account from my report they are hurting my ability to obtain credit. thank you so much.

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 2024-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
PHH ( XXXXXXXX XXXX XXXX XXXXXXXX ) acquired my loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I recently requested my private mortgage insurance be cancelled and received letter dated XX/XX/year> which noted 80 % LTV requirement. I paid PHH {$190.00} for the appraisal which is attached. I then received PMI Denial letter dated XX/XX/year> which noted 75 % LTV requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: MI

Complaint narrative:
My account with TransUnion 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 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 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 procedure
s 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.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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 2024-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
Received multiple spam calls starting on XX/XX/XXXX through XX/XX/XXXX with 10 phone calls out of 26 being before XXXX XXXX  with the earliest being at XXXX XXXX. On Thursday XXXX XXXX I confirmed my address and asked for confirmation of my debt but as of XX/XX/XXXX I still do not have a confirmation letter. On XX/XX/XXXX I received a phone call at XXXX XXXX  and told the collectors that it is illegal to contact me at that time and requested to be contacted between normal business hours of XXXX yet I still received another phone call at XXXX XXXX  that same day. On a different phone call with the phone operators they insinuated that I was XXXX and didn't know how debt collection worked because I was only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Square alleged that I owed them {$400.00} on a disputed transaction with a customer of thiers. I disputed these charges because I was paid through Square by the cusotmers credit card with signature. This was for services rendered on vehicle maintenance that was athorized by the customer 1 month prior to Sqaure coming back to me. This was clearly fraudulent actions comitted by the customer trying to pull one over on Square and myself. I disputed this with Square and they ignored the issue and cited witht the customer. This is fraud beign commited by both the customer and Sqaure, who has now sold my information to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: IL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2024-09-27 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: NC

Complaint narrative:
I sent over an identity theft documentation and Transunion said my request is missing essential personal identifying information. File # XXXX Transunion also said I did not provide account specific information, such as the name of the creditor. They also said the description of my identity theft was too vague. Because of that I'm resubmitting with everything they requested. XXXX  XXXX by way of identity theft has given my information to Transunion, XXXX, XXXX and other unknown third parties without authorization. XXXX XX/XX/XXXX I signed a ( retail installment contract ) which created a blank endorsement without my knowledge. XXXX XXXX XXXX XXXX claimed they loaned me money. XXXX XXXX XXXX XXXX has to show me accounting/ ledger to have a valid claim. XXXX XXXX needs to provide the original contract as well. If not, this is considered identity theft which is whats going on. XXXX XXXX is using bait-and-switch techniques to secure funds. XXXX XXXX is using my name to secure funds that I do not owe and damaging my credit report. This is identity theft. 
XXXX XXXX XXXX XXXX also placed me as a co-signer when I am the principal on this account. Why did they do this? This is not a mistake when XXXX XXXX has a copy of each contract. I am not the co-signer on this account. If I dont cooperate with XXXX XXXX they damage my credit profile and my mothers XXXX  XXXX credit report. The fraud occurred on XX/XX/XXXX account number XXXX XXXX XXXX and XX/XX/XXXX for account XXXX ( XXXX XXXX ). XXXX XXXX has no standing within these accounts unless they can produce the proper paperwork. Im asking XXXX XXXX XXXX XXXX  to send a certified copy of the ledger signed under the penalty of perjury showing I owe them an alleged debt. I sent XXXX XXXX correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dated for remedy. XXXX XXXX XXXX XXXX did not provide the ledger. Once again I requested the accounting to prove this loan to be true, nothing. XXXX XXXX has failed to provide me with proper documentation showing me the ledger that they loaned me money. According to **15 USC 1602g ( see below ). XXXX XXXX is using my name to coerce payment, damage my reputation through credit reporting, without my authorization. I sent documentation to capital one stating I want full disclosure on this account. XXXX XXXX sent the retail installment contract without full disclosure. XXXX has no proof that I owe any debt to them. As a result of that, XXXX XXXX is using my identity to cause harm through damaging my credit report like I mentioned above. XXXX XXXX does not have my consent to send my information to any third party.

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