vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: AZ

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 2025-01-03 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-02 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: NY

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning an accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in Englehardt v. Gravens ( Mo ) 281 SW 715, 719, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 
XXXX XXXX XXXX XXXX XXXX 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
New card was sent in XX/XX/year>XXXX  someone stole my brand new card dont know how they was able to use it. They went to the meijer located on XXXX XXXX and XXXX in XXXX, Michigan. They maxed the card out. After attempting to figure out how the card was activated they sent a replacement card. Citi bank was no longer accepting the payment because they no longer was the creditor of the account. Called the company and was told they couldnt verify my account information with social security numbers, first and last names or address. My personal information was compromised and didnt get a response from them but to make payments for insecure accounts.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2025-01-03 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: TX

Complaint narrative:
Hello, I am reaching out to request an investigation into these accounts, as their accuracy on my credit report seems questionable. These accounts had been removed before but were reinstated without my knowledge. I was neither informed of this reinstatement nor received any correspondence about it via mail.

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 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We have had our mortgage on our current home since XXXX ( refinanced in XXXX ). Our mortgage was recently purchased by Truist, we had made two payments no issues but as I was going to pay the 3rd payment I noticed a line item for Premium/PMI that hadn't been there previously. We have never had PMI on our mortgage before and we specifically set up our initial loan to avoid this. When I called Truist to ask about the issue, they initially told me to contact our previous mortgage company but we had never paid PMI with them so I was confused why they said that. When I pressed them more they said they added it due to home to loan ratio but I was fairly sure that isn't something they can just add after the fact. We didn't get any written info about this change before it happened either so I have no idea why it would be added. I am going to write them an email to try and get it removed but I wanted to get on top of all angles so I can avoid unnecessary extra payments that would have a detrimental effect on our finances.

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 2025-01-03 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: IL

Complaint narrative:
I am seeking an investigation into these accounts due to concerns about their accuracy on my credit report. Although they were removed earlier, they have been added back without my awareness. I did not receive any notification or correspondence regarding this reinstatement.

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 2025-01-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Citi credit card since XXXX, and actively used it from XXXX to XXXX. However, this card and its usage history is not reported to my credit report ( I checked all 3 major credit bureaus ). Missing this card in my credit report results in a very short credit history ( only 5 month as I moved back to the US for work in XXXX ), which make it impossible to secure my bank mortgage during my property purchase. If this card usage can be correctly reported by Citi, my credit history should be able to trace back to XXXX ( 10+ years so far ). 

I visited Citi financial centers several time. The personal banker can find my old account in their system, but it seems that old account doesn't have my SSN. We guess that is the reason why it was not correctly reported. However, personal banker in Citi financial center can do nothing to correct it. He can only offer me the Citi Credit customer service hotline number. I spent days calling this customer service, and still can not get the problem solved. Each one I talked with transferred me to someone else, but not sure who can solve my specific issue ( it seems not common ). Too much time has been wasted, but there is still no clue. 

For reference, I keep emails of this Citi Credit Card, including monthly bill statements, confirmation of my monthly payment, and others. These could be submitted for reference

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 2025-01-03 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: MI

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 explanation
Consumer complaint received 2025-01-03 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: MI

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 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 2025-01-03 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: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was reported on my credit report. As of XXXX the balance is {$470.00}. On XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX  ) was also reported on my credit report with a balance of {$610.00}. On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) reported on my credit report with a balance of {$3700.00}. On XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was also reported on my credit report with a balance of {$830.00}. I have made multiple claims about these incorrect 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 explanation
Consumer complaint received 2025-01-03 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: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was reported on my credit report. As of XXXX the balance is {$470.00}. On XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX  ) was also reported on my credit report with a balance of {$610.00}. On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) reported on my credit report with a balance of {$3700.00}. On XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) was also reported on my credit report with a balance of {$830.00}. I have made multiple claims about these incorrect reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
My account 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.

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 2025-01-02 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 was never late! I have had exceptional payment history 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


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


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


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 explanation
Consumer complaint received 2025-01-02 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: WA

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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Attention : Credit reporting agency, TransUnionDate : XXXX To Whom It May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account XXXX XXXX XXXX, Account number : XXXX, incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks, My full Name is : XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX SSN : 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 2025-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
In early XXXX of XXXX I scheduled a payment of {$1400.00} with payment date XX/XX/XXXX via USAA Federal Savings Bank XXXX XXXX XXXX to a biller XXXX to pay my XXXX XXXX XXXX XXXX account balance in full. This has been my monthly practice for years. USAA Bank online status reports that a payment via check was sent on XX/XX/XXXX. This was the first time in years that USAA sent a check vs all prior XXXX payments to XXXX XXXX which had been successful electronic payments. The payment was never received by the XXXX XXXX resulting in XXXX charging me interest in the amount of {$17.00}. 
Consistent with the published USAA TERMS AND CONDITIONS OF THE USAA PAY BILLS SERVICE, and in particular the paragraph titled " The Service Guarantee '' I requested reimbursement of {$17.00} from USAA Bank for the interest charged by XXXX XXXX for non-receipt of the payment of {$1400.00} scheduled through USAA Bank against my USAA checking account. 
On XX/XX/XXXX I opened USAA case number XXXX via telephone call, then as instructed by USAA Bank customer service faxed documents seeking reimbursement to USAA 's subcontractor XXXX ( fax XXXX ) following the directions of USAA customer service. I also uploaded a copy of the faxed documents electronically to USAA Bank. 
On XX/XX/XXXX having received no response to my initial written request, I opened up subsequent USAA case number XXXX via telephone call, then again as instructed by USAA Bank customer service faxed documents seeking reimbursement to USAA 's subcontractor XXXX ( fax XXXX ) following the directions of USAA customer service. At the suggestion of USAA customer service, I also placed a no-cost stop payment on the check USAA apparently XXXX on XX/XX/XXXX. I also uploaded a copy of the faxed documents electronically to USAA Bank. 
As of XX/XX/XXXX I have not received any response or action from USAA Federal Savings Bank. 
I am asking for CFPB assistance in obtaining my reimbursement of {$17.00} from USAA Bank in accordance with the published USAA Terms and Conditions of The USAA PAY BILLS SERVICE 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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On the afternoon of XX/XX/year>, I used my smartphone and JPMorgan Chases mobile app to deposit my weekly paycheck. Contrary to every prior week, when the first {$500.00} was made available immediately and the balance made available the next day, {$0.00} was made available immediately, and a few minutes later, I received an e-mail that the funds would not be available until XXXX days later. 

I called the bank less than an hour later, and the representative could not explain to me why the hold was placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
Subject : Request for Action Due to 2017 Data Breach I am writing to formally address the violation of my federal rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as a result of the XXXX  credit data breach that exposed my personal information. 

On [ insert date of breach notification, if known ], I received notification that my sensitive data, including my name, Social Security number, and other personal information, was compromised. This breach has caused me significant concern regarding identity theft and the security of my personal information. 

Under the Fair Credit Reporting Act, I am entitled to certain rights to protect my information and ensure its accuracy. I am requesting that you take the following actions : remove all negative report off my account ending in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AR

Complaint narrative:
After filing a dispute and them filing giving me an update after XXXX days of the dispute I was told that I was the one that made the transaction when I wasnt the XXXX address that they are going off of isnt mines and also have proof that I dont use XXXX XXXX

Company response to consumer: Closed with explanation