vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its mu understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances across different credit bureaus highlights non-compliance with 15 USC 1681e ( b ) XXXX report : XXXX XXXX Account # XXXX, High Balance {$3300.00}, Date Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : XX/XX/XXXX, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last XXXX, Payment Amount : {$0.00} Experian report : XXXX XXXX Account # XXXX, High Balance {$0.00}, Date Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last Payment : {$88.00} as of XX/XX/XXXX XXXX report : XXXX  - Account # XXXX, High Balance {$290.00}, XXXX Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last XXXX, Payment Amount : {$0.00}

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX ( XXXX ), and I have 4 loans with XXXX XXXX XXXX. XX/XX/2024 loan payments were all made on XX/XX/XXXX XXXX then at the end of the month on XX/XX/XXXX Sunday I received a letter from this loan company infoming me that loan # XXXX ws past due. This letter was dated XX/XX/2024, and it took over 10 days to arrive and nobody called me nor emailed me before this letter. It was Sunday and I called XXXX next day on Monday and paid the full payment of {$1500.00} plus the late charge of {$77.00}. I didn't no why this particular payment did not go through, thought the info in the portal was not changed. I was assured that this would not negatively impact my credit score becaused it was paid within the same month of XXXX. 

My credit score was at around XXXX then, an today I noticed my credit score drop XXXX points to around XXXX due to " serious delinquent in payments ''. This was the only late payment incident and I would like to dispute such delinquent payments claim and get them removed from my credit report. 

thank you very much for your great help 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX ( XXXX ), and I have 4 loans with XXXX XXXX XXXX. XX/XX/year> loan payments were all made on XX/XX/XXXX XXXX then at the end of the month on XX/XX/XXXX Sunday I received a letter from this loan company infoming me that loan # XXXX ws past due. This letter was dated XX/XX/year>, and it took over 10 days to arrive and nobody called me nor emailed me before this letter. It was Sunday and I called XXXX next day on Monday and paid the full payment of {$1500.00} plus the late charge of {$77.00}. I didn't no why this particular payment did not go through, thought the info in the portal was not changed. I was assured that this would not negatively impact my credit score becaused it was paid within the same month of XXXX. 

My credit score was at around XXXX then, an today I noticed my credit score drop XXXX points to around XXXX due to " serious delinquent in payments ''. This was the only late payment incident and I would like to dispute such delinquent payments claim and get them removed from my credit report. 

thank you very much for your great help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX ( XXXX ), and I have 4 loans with XXXX XXXX XXXX. XX/XX/year> loan payments were all made on XX/XX/XXXX XXXX then at the end of the month on XX/XX/XXXX Sunday I received a letter from this loan company infoming me that loan # XXXX ws past due. This letter was dated XX/XX/year>, and it took over 10 days to arrive and nobody called me nor emailed me before this letter. It was Sunday and I called XXXX next day on Monday and paid the full payment of {$1500.00} plus the late charge of {$77.00}. I didn't no why this particular payment did not go through, thought the info in the portal was not changed. I was assured that this would not negatively impact my credit score becaused it was paid within the same month of XXXX. 

My credit score was at around XXXX then, an today I noticed my credit score drop XXXX points to around XXXX due to " serious delinquent in payments ''. This was the only late payment incident and I would like to dispute such delinquent payments claim and get them removed from my credit report. 

thank you very much for your great help 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 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!

Update 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. I am a victim of a data breach, and these accounts were added without my knowledge or authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00}

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Better Mortgage, Inc.
State: KY

Complaint narrative:
I refinanced my mortgage with XXXX in XXXX. Shortly after the loan closed they transferred the ownership of the loan to XXXX XXXX who then took over managing the loan. In XXXX of XXXX we paid the loan off. After waiting several months for the lien release I began contacting XXXX XXXX as we hadn't received anything. XXXX XXXX finally responded after a complaint was filed on this site and come to find out, they are unable to release the lien as it was never transferred to XXXX XXXX so XXXX still shows as the lien holder on the deed. The county clerks office advised that the letter showing the mortgage was transferred to XXXX XXXX would not satisfy the requirements and documents would need to be provided by XXXX showing that the lien can be released. Obviously both XXXX an XXXX XXXX are done with you once your mortgage has been paid off and getting in touch with anyone from either company has been a major hassle. I finally was able to get in touch with a lady named XXXX from XXXX ( ph number called from was XXXX ) back in XXXX and was told they were researching it. It is now XXXX and has been over a year since the mortgage was paid in full and we still have a lien. This process has caused great stress, lots of time on the phone, and still have no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Over the last XXXX weeks I have disputed charges to my account which I did not make and are unauthorized. I have provided Venmo with a FTC Identity Theft report as well as proof that my information has been leaked in XXXX separate data leaks. Despite this, Venmo is providing false information to deny my claim. Disputes with XXXX Eats and XXXX ( XXXX ) have been denied stating that deposits were made just prior to the charge and that this activity matches previously authorized account activity. It does not match ANY previous activity nor were there any deposits made to my account prior to these charges. These charges were made XX/XX/XXXX and the closest credit into the account is XX/XX/XXXX. I do not have an XXXX Eats account to have even ordered from XXXX Eats. Additionally, there are XXXX XXXX rideshare charges which are also being denied. However when I contacted XXXX regarding the charges, they informed me someone by the name of XXXX was added to my account. This activity is also unauthorized as I don't know anyone named XXXX rideshare dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$12.00}, {$25.00}, and {$28.00} respectively. There are several other unauthorized charges however these are the ones I currently have information on. I will update with the other charges when I locate the " denied dispute '' email Venmo claims it sent me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to Experian regarding some errors that I found that are on my credit report. I have reached out multiple times for them to fix them since XX/XX/XXXX. They have sent me corresponding letters since XX/XX/XXXX requesting additional documents. I have sent the required additional documents that were needed. I have been getting corresponding letters each month since XX/XX/XXXX requesting the same additional required documents. Every corresponding letter that was sent to me since XX/XX/XXXX I have responded to each letter with sending the additional required documents. I have attached receipts of when I sent the additional requested documents and I also attached additional documents to support my case In accordance with the Fair Credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. XXXX XXXX XXXX section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and I request that the accounts and inquiries listed below be blocked and deleted from my credit report in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$7000.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$4500.00} XXXX. XXXX XXXX XXXX XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6500.00} Inquiries to Be Investigated and Removed : XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/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 non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had went to create an order on my XXXX XXXX account to purchase a television. I did not order delivery because I didn't think I'd need it. But when I read the weight of the tv I knew I'd need to get delivery because I'm XXXX. 

I reordered the TV with delivery and the person told me my first charge would be removed on my credit card. It was not. 

I asked the the XXXX representative when I called to file a dispute if both of these charges were refunds. They confirmed they were. So I canceled my dispute. 

When the charge didn't go away and it wasn't a refund I had to pay {$1400.00} extra for my tv ( double the price ) and was told I could not refile the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just reviewed my credit report and found multiple inquiries from your company that I dont recognize. I didnt approve these, and theyre now affecting my credit score, which is really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
This is all under my chime account XXXX  someone charged my card {$390.00} on XX/XX/year> XXXX someone charge my card {$25.00} on XX/XX/year> XXXX someone charged my card XXXX on XX/XX/year> XXXX  com subcr someone charged my card {$9.00} on XX/XX/year>

Company response to consumer: Closed with explanation