vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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 TransUnion 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.

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

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Ran into difficult making loan payments. Called Wells Fargo before becoming delinquent. Was told they could not help. XXXX representative told us since we were current there's nothing they could do. I advised did not want to get behind and hurt credit. Wanted to offset problem. Eventually ended up trying to go through a modification with a third party company. To no avail. Ended up doing a short sale on property.

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 2024-08-19 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: NY

Complaint narrative:
My accounts 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/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.

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!

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 2024-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: CA

Complaint narrative:
Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XXXX XXXXXXXX XXXX  Original Amount Owed {$7600.00} Amount {$7600.00} Status Date XXXX XXXX XXXX Status UNPAID Balance Date XXXX XXXX XXXX  Account Designator Code XXXX  Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/scrub>XXXX XXXX XXXX  Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I was never contracted with this company or bind it. This needs to be removed, deleted and updated on Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your help with this incorrect account that is showing up on my credit report. This issue has been damaging to my reputation, and I require your assistance. Your mishandling of my credit report has left me devastated because your inaccurate reporting has harmed my reputation. These errors must be addressed so that I can live peacefully with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, TransUnion, permanently block and remove these accounts appearing on my consumer credit report FILE NUMBER : XXXX that are a result of identity theft and fraud within 4 business days of receiving this complaint.

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 2024-08-19 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: CO

Complaint narrative:
I sent XXXX certified letters advising i have unauthorized inquiries and fraudulent inquiries and they refuse to respond or remove inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: GA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are not mine, and I have no ties to the listed creditors.

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 2024-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, woke up to a shock to find my credit score had plummeted XXXX points due to an account closure of my {$1800.00} Forever 21 Comenity Bank credit card account which I did not request. I have always maintained my account and even had a zero balance. I received a credit increase in XX/XX/scrub>XXXX XXXX due to my diligence. I am unable to call Comenity as my call is dropped as soon as I enter my SSN. I called the new parent company Bread Financials fraud department and was told about the recent account migrations and multiple subsequent card closures of Comenity legacy accounts. I was also told my account had been inactive. I asked why I wasnt somehow notified it might be closed as is required under the CARD act and she did not know. She did call Comenity with me on the line and attempted to research this. I know that the consumer has a right to know of impending account closures for inactivity or for company charges. I have worked hard to raise my credit for this to happen. I want my account reinstated but its impossible to speak to anyone directly at Comenity Bank/Bread Financial .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
XXXX. XX/XX/XXXX " Forbearance Approval Letter '' - " As of XX/XX/XXXX, weve received your completed Application For Success. Youve qualified for a 3 month forbearance plan that gives you time to resolve your hardship. '' " We'll be contacting you 30 days prior to the end of the forbearance period to discuss your next steps. We will also provide information on alternatives that may be available to you at the end of the forbearance plan term, such as a reinstatement or a repayment plan. '' XXXX. XX/XX/XXXX " XXXX XXXX XXXX '' w/ monthly statement - " You will continue to receive your monthly billing statement while you are in an active workout plan. Your billing statement will reflect your regular mortgage payment ; however, your workout approval letter contains the current terms of the plan. '' " XXXX XXXX XXXX : {$0.00}. '' XXXX. XX/XX/XXXX - " XXXX XXXX XXXX '' w/ monthly statement - Same. 
XXXX. XX/XX/XXXX - " XXXX XXXX XXXX '' w/ monthly statement - Again, same. 
XXXX. XX/XX/XXXX XXXX XXXX - " We recently notified you that you were approved for a mortgage assistance program to get back on track with your payments. However, the offer has been withdrawn as of XX/XX/XXXX since you did not accept this workout. If you are behind on payments, its important that you understand that we may begin or continue the foreclosure process unless your loan is current ( or will be reinstated by other means ). '' XXXX. XX/XX/XXXX - Called Rocket Mortgage - I was shocked to learn that on XXXX XXXX, XXXX, our family home will be sold. I was told then for the first time that I had never " accepted '' the workout plan. When I expressed that I did, I was simply told that it was too late. That application was already closed out and I would have to reapply. I answered her questions over the phone, but apparently that did nothing. 
XXXX. XX/XX/XXXX - I attempted again to access my account on the Rocket Mortage website, but I have been locked out from accessing anything, including any ability to access the application process to try and save our home. I was able to make contact with an online chat agent, but I was told that it will be XXXX hours before I maybe will be able to access my account. I feel Rocket Mortgage wants me to lose my home for their own benefit. It's gut wrenching that I can do literally nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
In XXXX of XXXX  I was notified by XXXX XXXX that there was an account in my name that needed attention. I suddenly had a account from some company in Texas for over {$1600.00} in collections. I have had my identity stolen in the past and made poor finical choices so I had filled for bankruptcy and use credit karma to keep track of everything. 
As soon as I found this account, I called the company to find out more information. I started the steps online to report the identity theft, I have placed a freeze all al my credits around as well as marked my account as fraudulent activity is taking place. 
I was directed by just energy that I would need to make a police report and get them that. So I started that process. Once obtained, I then sent a message asking where to send this information. 
No collection agency has reached out as I don't think they have my information, and I will not reach out. 
Just energy asked me to complete this step and sumbit it to them in addition to the other documentation I babe submitted. 
I have also attached the police report obtained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
I am filing a complaint to bring to your attention that TransUnion is unlawfully reporting a fraudulent inquiry on my credit report. This inquiry is the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) from appearing on my consumer credit report as result of identity theft and fraud within 4 business.

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 2024-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want my account to be reinserted. I need that account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I made all payments on time in full. I have twice called Lightstream and asked them to send the title to me. They have said they will send it electronically to Ohio. They have yet to do so. I don't have it and the XXXX XXXXXXXX XXXX XXXX XXXX does not have it. I can not register my car here without it. 

The first time I called, which was when I was initially trying to register the car here in Ohio XXXX years ago, I was told it would be sent. It wasn't. After the car was paid off I waiting a couple of months and called to ask where the title was and was told it would be sent electronically to the state of Ohio. It wasn't. I then called what would actually be for the third time and asked again for it to be sent. The rep on the phone said she didn't know why it hadn't been sent but that she would do so. It has now been almost TWO YEARS and I still don't have my title to my paid off car.

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 2024-08-19 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, my IRS tax refund of {$970.00} was erroneously deposited into a Truist Bank account ( Routing # XXXX, Acct # XXXX ) that is not mine. 

I discovered the error on XX/XX/year> and contacted both the IRS and Truist Bank. XXXX advised they're unable to assist, stating I am not the account owner. I opened a claim with the IRS which took them from XXXX to now to reply and suggest that recovering these funds XXXX require a civil lawsuit due to Truist 's inability to return the money.

Truist Bank 's actions may violate consumer protection laws, including Regulation E, by accepting a deposit intended for one individual into another person 's account and subsequently refusing to return the funds. While I am not a Truist customer, the bank accepted a deposit in my name into another customer 's account.

I am requesting the BBB 's assistance in resolving this matter before pursuing further legal action. The funds rightfully belong to me, and I believe Truist has a responsibility to rectify this error.

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