vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
I am filing this complaint due to XXXX, Equifax and XXXX 's failure to honor my credit report update request, despite my numerous attempts to rectify incorrect information on my credit report. 

On XX/XX/XXXX, at XXXX AM XXXX, XXXX received my certified mail in XXXX, TX, XXXX, containing my dispute request. Despite this, XXXX has not made any changes or adjustments to my credit report. I have sent multiple follow-up mail attempts, but they have continuously failed to respond appropriately. 

On XX/XX/XXXX, I submitted a dispute to challenge the accuracy of specific information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i ( a ) ( 6 ) & 15 U.S. Code 1681i ( a ) ( 7 ), Experian is required to investigate and respond promptly. Instead, I received a generic stall letter, which did not address my concerns or show any real progress in investigating the disputed items. 

I have conducted research and discovered a CFPB report indicating that XXXX uses automated methods to send stall letters, likely in an attempt to push consumers towards using their online dispute systems. However, there is no law prohibiting me from utilizing today 's technology to analyze, create, and send disputes via mail. 

Despite my numerous attempts and the clear evidence provided, XXXX has not updated my credit report or addressed the specific disputes I raised. The inquiries I requested to be removed from my credit report include : 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 XXXXXXXX - XX/XX/XXXX XXXX 's refusal XXXX address my dispute and their continued use of stall tactics are unacceptable. I demand that XXXX immediately removes the aforementioned inquiries from my credit report and provides a detailed explanation for their failure to comply with the FCRA requirements. 

I have submitted my letters and stall letters sent with dates received. I am not getting any support from the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services
State: NC

Complaint narrative:
We contacted LendMark Financial to get payoff at the time the dashboard showed a balance of {$5000.00}. 

The customer service representative told us the payoff as of Friday XX/XX/XXXX Is {$5100.00}. So, on Friday XX/XX/XXXX I purchased a cashiers check in the amount Of {$5100.00} and we personally went to LendMark Financial XXXX, NC and paid off the vehicle on Friday XX/XX/XXXX. 

As of XX/XX/XXXX we still haven't received the title to our XXXX XXXX XXXX XXXX truck from LendMark Financial. 

We also contacted XXXX on XX/XX/XXXX Which we were told they haven't received a lien release from LendMark, and that it still shows LendMark Financial as the lienholder.

We paid off this account in full. LendMark needs to release the title. LendMark also told us if we payoff with a cashiers check it will speed up the electronic release of our title. Otherwise it could take ten days or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: OH

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt

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 2024-07-02 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: OH

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Id like to express my extreme dissatisfaction with the recent unauthorized illegal activity on my Credit Karma Money account. On or approximately XX/XX/24, I discovered that {$2000.00} was transferred from my account to XXXX, in the name of XXXX XXXX in XXXX XXXX CA, on XX/XX/24 without my knowledges or authorization. 
This situation is particularly concerning due to the complete lack of notification I would have received from Credit Karma Money regarding this transfer. It is crucial for a financial institution to inform its customers about any activity affecting their accounts, especially potentially unauthorized transfers. 
I contacted Credit Karma Money customer service department on almost everyday in regards to this matter since I discovered this unauthorized transfer happened, and spoke with a representative who claimed that a notification email was sent to me on XX/XX/24 informing me of the transfer. However, I can assure you that I never received such an email. My settings on Credit Karma app indicate that all of my notifications are on for both SMS and email for any changes ; nevertheless I have never received such email or sms notification. 
Furthermore, when I requested to see a copy of the alleged notification email or any record of its delivery, the representative refused to provide any proof. This lack of transparency is deeply troubling and raises serious concerns about the security measures in place for Credit Karma Money accounts. 
Due to the absence of a notification, I was unable to take any action to prevent this unauthorized transfer. I am requesting that Credit Karma Money investigate this incident thoroughly, including the missing notification and the unauthorized activity itself. 
I also demand a full refund of the missing {$2000.00}. This unauthorized transfer resulted directly from a security lapse on the part of Credit Karma Money. 
I have attached copies of the documentation regarding this incident. 
I expect a prompt and comprehensive response to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
XXXX has said to JP Morgan Chase back on XX/XX/2024 that they were authorized to return the money to my back which is XXXXXXXX XXXX XXXX XXXX in XXXX XXXX IA, till this day I have not received any money back. Ive tried to call the person in change of my case with JP Morgan Chase named XXXX XXXX XXXX and she never answers my phone calls. I dont understand if XXXX has authorized them to return me the money to my bank XXXXXXXX XXXX XXXX XXXX why havent they done so yet since the beginning of XXXX. Please help me this is over {$18.00} XXXX, that am still waiting to receive back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
AI Overview Learn more 15 U.S. Code 1666b, also known as TILA 163, is a consumer credit regulation that covers the timing of payments for credit card accounts under open end consumer credit plans. It states that creditors can not consider a payment late unless they have taken reasonable steps to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. Creditors must also post payments promptly to the obligor 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I held this credit account since XXXX  ... .it was one of the foundations of my credit history, it gave my Credit Score strength. Two Decades of credit history in addition to about {$20000.00} worth of available credit that I have used for balance transfers or large purchases. Over the past years I have been trying to pay down my revolving credit and ended up carrying a XXXX  balance for a duration that was seemingly unacceptable to Chase Bank. The company claimed they attempted to notify me in writing ; via a letter I have no recollection of receiving. Especially if their letter was plain looking or perhaps resembled junk-mail or a basic credit card offer... I throw those away constantly. I have no e-mail from them warning of eminent account closure ... ..I have no text message warning me of eminent account closure ... just their word they sent me a letter that I never saw. They use my e-Mail address to send me Marketing materials, but they can't send my e-mail a warning of eminent account closure!!!!!!! What kind of double standard is that!!!!! I have been harmed by this action ... my FICO credit score dropped by XXXX points upon the Closure of this 20 year account. Prior to this happening my credit score was in the XXXX... .now its in the XXXX .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING 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.

This company 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NJ

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 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 XXXX XXXX XXXX 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 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 2024-07-02 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: NJ

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX CARD SER, XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 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 XXXX XXXX XXXX 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows 60 Days past Due. I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is XXXX XXXX SERVICES

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 2024-07-02 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: FL

Complaint narrative:
FCRA 605B mandates that you eliminate any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts are wrong, with incorrect amounts and dates being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went into Wells Fargo bank to cash a check for {$1100.00} dollars on XX/XX/year>. Then on XX/XX/XXXX they withdrawled {$1100.00} from my checking account stating there was a glitch in there system and the check was never cashed. I got a copy of they cashed check to show them and they still blame it on a glitch.i could understand if I deposited the check into my account and then they withdraw it but they didnt. I have a canceled check in my hands but they still took my money out of my account. I dont see how you can pull money out of someones account when they never deposited anything. They are stealing XXXX dollars from me and wont give it back they keep blaming a error in their computer system.

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 2024-07-02 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: IL

Complaint narrative:
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX : {$810.00}

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 explanation
Consumer complaint received 2024-07-02 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
Under FCRA 605B, you are required to delete any incorrect accounts from my credit report. Please examine the documents, as some of the listed accounts have inaccuracies in the reported amounts and dates.

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