vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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:
XXXX XXXXXXXX XXXX had inaccurately reported XX/XX/year> as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed

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 2024-06-05 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:
XXXXXXXX XXXX XXXX had inaccurately reported XX/XX/year> as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed

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 2024-06-05 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: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for their failure to properly investigate and resolve disputed inquiries on my credit report. Despite my previous complaint, the following unauthorized credit inquiries remain on my report without proper verification or removal : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report and expect a thorough investigation from the credit reporting agency. TransUnion 's response was inadequate, advising me to contact the companies directly, which is their responsibility, not mine, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). These unauthorized hard inquiries are negatively impacting my credit score, violating my rights under the FCRA. I have already reached out to these companies, and they either did not respond or directed me back to TransUnion, claiming they could not locate my information in their systems. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that TransUnion conducts a comprehensive investigation into these disputed inquiries, removes the unauthorized inquiries if no verifiable permissible purpose can be provided, and provides written confirmation of the results and actions taken. Please ensure that this matter is treated with the urgency it deserves, and that TransUnion complies with their obligations under the FCRA. I expect a prompt resolution and detailed written confirmation of the outcome.

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 2024-06-05 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: MA

Complaint narrative:
I am a victim of identity theft. I recently just obtained a permanent address.

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 2024-06-05 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: MA

Complaint narrative:
I am a victim of identity theft. I recently just obtained a permanent address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a call from a supposed law firm claiming I had a lawsuit against me for owing over {$4000.00} to Bank of America for overdraft fees from XXXX. I never had a Bank of America account to my knowledge except perhaps when I was a teenager and that was in the XXXX. I've only had a XXXX account since XXXX and no other accounts. They gave me a case number : XXXX. When I called the number back they would not mention the name of the law firm and kept talking about the binding power of a " signature card '' - which I'm pretty sure hasn't been a thing for a really long time since everything went digital. The woman on the phone kept trying to scare me with court and claimed they sent me a notification 40 days ago by mail, which I never received. I have checked all of my credit reports and I have XXXX collections or anything open in public records. The first person that left a message said her name was XXXX XXXX ( how generic ) and her phone number is XXXX and the number she gave me for the " law firm '' is XXXX. When I told the lady ( who somehow knew my name by me just saying Someone called me about a lawsuit? Immediately fishy ) to fine just take me to court because I am not paying that, she hung up on me.

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 2024-06-05 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:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was going to login into my account but I could not gain access to it. I contacted support and they sent me an email saying my account is locked because of my suspicious activity. I XXXX XXXX on XXXX XXXX and I dont know what going on. This is the third time this has happened. All the transactions have the XXXX tag and/or XXXX XXXX, or miscellaneous bill payment tags.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
This company has been sending statements to my address for over 6 years for XXXX XXXX XXXX. I have called them and written to them multiple times asking them to stop. It has been over 6 years and they continue to send them to my address.

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 2024-06-05 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: TX

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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.

This is my six request I have sent and nothing was done.

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 2024-06-05 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: TX

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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.

This is my six request I have sent and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
My account with XXXX XXXX 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 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 on my account 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 XXXX  days before the payment due date. 


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 XXXX 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 2024-06-05 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: TX

Complaint narrative:
I am writing to you again regarding the fraudulent accounts that have appeared on my credit report without my authorization. These illegitimate entries are severely damaging my credit standing and ability to make major financial decisions for my family 's well-being. Despite previously contacting your organization about this serious identity theft issue, the improper accounts remain on my report. 

I am formally demanding that you remove and block these fraudulent items from my credit file within four days of receiving this notice. I have included copies of my social security card and driver 's license to verify my identity, per legal requirements. If you fail to promptly rectify this misleading reporting of my credit history, I will have no recourse but to pursue legal measures to resolve this matter and defend my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I assumed a loan from Freedom Mortgage for a property in XXXX  XXXX, XXXX Initally I set up online payments for escrow and reoccuring online payments for the mortgage. I was kicked out of the system and can not get any online access from now on. Freedom Mortgage is aware of the problem but informed me that there is nothing they can do. To pay my mortgage I must call them every month to make the payments over the phone. I can never access my own mortgage online, check my balance, make sure the insurance and taxes are paid, nothing. I also can not change Mortgage Companies so I'm stuck.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC
State: PA

Complaint narrative:
I am submitting the attached documents to dispute the XX/XX/year> late payment on my mortgage with Selene Finance LP. 

After sending several requests to update the late payment to XXXX or paid as requested, I am now disputing with a XXXX letter and a receipt from Selene Finance, which acknowledges the error and gives me credit for the late payment. 

Please Review Attachments Please note I have sent a letter to the Attorney General In PA and CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: PA

Complaint narrative:
I am submitting the attached documents to dispute the XX/XX/year> late payment on my mortgage with XXXX XXXX XXXX. 

After sending several requests to update the late payment to OK or paid as requested, I am now disputing with a XXXX letter and a receipt from XXXX XXXX, which acknowledges the error and gives me credit for the late payment. 

Please Review Attachments Please note I have sent a letter to the Attorney General In PA and CRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: PA

Complaint narrative:
I am submitting the attached documents to dispute the XX/XX/year> late payment on my mortgage with XXXX XXXX XXXX. 

After sending several requests to update the late payment to OK or paid as requested, I am now disputing with a XXXX letter and a receipt from XXXX XXXX, which acknowledges the error and gives me credit for the late payment. 

Please Review Attachments Please note I have sent a letter to the Attorney General In PA and CRA.

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 2024-06-05 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: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
In XXXX i noticed that i had an account that i didnt recognize, after some investigation i found out that my ex wife opened it without my knowledge. This is clear and cut identity theft and i have done everything they asked me to do but they still havent removed it from my credit

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Credit Control Services placed an account on my consumer credit file. I have sent multiple requests to validate this debt. The company has refused to validate the information they used to construe reports about me. They have responded by saying they are unable to investigate this and are demanding that I, the consumer, provide them with information to prove that I owe CCS money. This is absurd. I sent the validation request with a copy of the entry showing on both my XXXX and XXXX credit reports. They did not respond to my requests within the specified XXXX period after my initial communication, prolonging the resolution to this issue. I did send them a second request to validate with an invoice for this willful and negligent violation of my rights. They have responded, but continue to ignore the request for validation information as well as compensation for damage to my reputation and use of my information without authorization. I have sent a final request to them including an intent to sue. I am hoping we can come to a resolution before this action, but this company is leaving me no choice as the violations are repeated and willful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX   I received a copy of my credit report. I noticed that you are reporting this account incorrectly. The payment summary is not accurate at all. The following Dates are inaccurate, For the year XXXXXXXX EXPERIAN is reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore is inaccurate credit reporting. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completing

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