vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-10-16 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: MS

Complaint narrative:
I have identified errors on my credit report related to 15 USC 16c-2. The listed inquiries were not authorized and are negatively affecting my credit. Please remove all unauthorized hard inquiries. Thank you.

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 2024-10-16 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: CT

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I deposited the check for {$3500.00} as I usually do and usually works and goes through later on a day later, I got ta use my account transfers and withdrawals. Ive been XXXX. I talk to customer service they tried to connect me after the department thats doing. It but that department did not respond then they called me and said it should be all good to go on Friday five days later still not good and I called them again and each customer service is saying something different and it seems theyre confused whos handling it and yet I still do not know what is going on with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning and have no idea why they're there. I check my report regularly, and this time, discrepancies appeared out of the blue. I tried refreshing the page, hoping it was just a glitch, but the inquiries remained. I need this issue resolved immediately, and I expect the documents I've provided to be reviewed thoroughly so I don't have to stress over this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My lease is up at my apartment XX/XX/XXXX, I applied to rent a home, on XX/XX/XXXX I recieved a call from the company that they tried to run my credit report and Equifax had it blocked and they're getting an error message and provided me the number to contact them. I tried to go online, entered my information, unsuccessful, error code XXXX, I called them at XXXX, wasted 38mins of my time spoke with a rep, she tells me there's a block and a the discrepancy. After speaking with the representative, I found out that, I've been living in the same place for 7yrs, they NEVER updated my Report, haven't updated my report in years, they have an address ( my mother 's address ) that I haven't lived since XXXX, then she tells me that they blocked the account due to possible Fraud and NEVER attempted to notify me, then she tells me that they do not contact the consumer or notify them, they wait until the consumer calls them, but how is the consumer suppose to know if they DON'T even tell you or notify you of possible fraud and to tell me they don't, is unacceptable! Because of the tentative company never contacted me and told me, I would have never known what is going on, then she tells me they don't have my phone number, email address or address, so you mean to tell me you have a empty report??? Then she gives me the address she has, I asked again why no one notified of a block or possible fraud, her response again was they do not notify consumers. She then tells me I have to mail a copy of my social security card and drivers license and that one recieved it will take 7-10 business days to fix, ma'am I don't have 7-10 business days, that means I could lose out on the house for me and my family and Equifax IS NOT going to put me and my family in a home or give me the money I lost because they don't communicate. Equifax has a history of not updating information, leaving information that's not suppose to be there and re-adding things to your credit report that was removed and it's so funny how on XXXX  I filled a complaint, and I've been living in my apartment going on 7yrs and all of a sudden there's a block and they have no updated history. I asked for email address, phone numbers to someone in higher position and she lied and told me they don't have information. Everybody reports and answers to someone. I want my information fixed and Equifax needs to be investigated for not notifying consumers of possible fraud, not updating information like they should and not removing information like they should. They need to be SUED!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Payment for Air conditioning Service and Contractor for construction of the driveway in the amount of {$23000.00} on XX/XX/24 was paid though XXXX XXXX and deposited to XXXX XXXX  Then on XX/XX/24 I transferred the amount of {$14000.00} to a Chase Bank account for the Contractor and the original {$23000.00} to XXXX XXXX was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I called XXXX XXXX XXXX and XXXX they finally told me someone at the job got in trouble for it and sent me a paper saying the loan was completely paid off and full thanks for doing business with us if you want anymore loans from us contact or office, stopped taking payments out my account for a month then started back trying to take money out my account XXXX  days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TN

Complaint narrative:
For the past few months, I have requested that an XXXX XXXX XXXX  that does not belong to me be removed. Each time I sent the credit bureaus a request, the account still needed to be removed. XXXX eventually removed the account. For some reason or another, the account remains on Equifax and XXXX. The XXXX account is not mine, and I was initially an authorized user. The original owner removed me from the account, but the credit bureaus refused to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: U.S. BANCORP
State: NE

Complaint narrative:
They keep harassing me on debt I have no knowledge.

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 2024-10-16 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: FL

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and I have no idea why. I checked my report like I always do, but this time, there were unexpected discrepancies. I even refreshed the browser, thinking it might be a glitch, but the unauthorized inquiries remained. Im asking for the documents Ive sent to be thoroughly reviewed, so this issue can finally be put to rest, and I can stop worrying about it.

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 2024-10-16 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 account with was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

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 2024-10-16 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 account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

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 explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Charles Schwab sent me an account statement that shows a XXXX balance and " closing withdrawal '' of {$7.00}. That is false. I have no ability to cash checks. The bank still owes me {$7.00}. Send the money to this bankruptcy estate. XXXX XXXX XXXX I have no ability to cash checks, and I will not be opening another bank account or accepting usd ever again. I want my collateral back, and will be pressing criminal fraud charges against schwab as part of the bankruptcy settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This is the second go around with this company first claiming they are the XXXX XXXX XXXX XXXXXXXX, wanting to confirm my address. They claim they have process service for me about a debt. They gave me a " case number '' and asked me if I would like to be connected to " XXXX XXXX XXXX. '' I asked rather what is the Case Number for my county of residence they claimed it was from. They replied they did not file a case yet. I stated to them, then how can you have legal process? Clearly trying to scare me into the position of believing I was being sued. Violation of the Fair Debt Collection Act. 

I called the number the " National Process Service Center '' called me on and it was answered " XXXX XXXX XXXX, '' thus proving that the collection agency violated the Fair Debt Collection Act again by misrepresentation. At this time there was a message left for my wife for me, this time they were more careful insinuating pending legal action. 

I spoke with a represenative there, by the name of XXXX XXXX XXXX, who was nice at first, and stated the debt was from a card going back to XXXX I had when I was in financial trouble. I confirmed with him, " So the last payment I made was in XXXX  '' To which he responded in the affirmative. I then began to advise him that the debt was out of the New York State Statute of Limitations, which is 6 year at the time of the debt, is up. He began to say sarcastically.. XXXX XXXX XXXX XXXX XXXX XXXX ... and at that point I cut him off and ended the call. They try to invoke some clause which is not valid, at least in XXXX. 

The scary thing is, they wanted to " verify '' who I was and began to read off my telephone number, " is this your number? '' Yes. Then they read off my Social Security Number, " is that your Social Security Number? '' How does this verify my identity? They are freely giving my Social Security Number out to anyone who calls them and says they are me. 

These people are a danger to the uneducated and elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found account on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent account from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: GA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've contacted Equifax multiple times to gain access to my credit report which is currently locked. 
I've reset the password multiple times on multiple devices. 
I've called in multiple times to request help from an agent. 
Each time I reset the password from my computer, I receive an error that my request can't be completed and to call a toll free number. 
Each time I reset the password using a mobile link, I receive the same error message. 
Each time I reset the password using a link generated from an agent, I receive the same error message. 
Each agent that I've spoken to has indicated that they are " escalating '' the file to the technical support team which has not contacted me to solve the issue in several weeks.

Company response to consumer: Closed with explanation