vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XXXX 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are XXXX accounts listed as derogatory accounts on my credit report with you every single XXXX of those accounts were listed in the bankruptcy XXXX XXXX filed in XX/XX/year> they should not be separate. I am told by my attorney from the XXXX XXXX. Also, I am told that due to XXXX, it has been over XXXX years since my XXXX XXXX, and I can request that it be removed from my credit report because the filing had to do with XXXX and not being able to work. You also have several of my addresses and phone numbers wrong. I have no idea about living in those places I never lived there and I never possessed those phone numbers. I feel like this is impacting my credit score immensely and I have worked very hard for the last XXXX years to rebuild my credit, your attention to these issues would be greatly appreciated. I dont wan na have to take further steps. Its hard enough trying to get things right and stay on top of them. You also have me listed as an a.k.a. XXXX XXXX that is a credit card that my name has been misspelled. It has nothing to do with me. I dont go by nor have I ever gone by XXXX XXXX please remove that.. Thank you. 
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 2024-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
I was scammed, the scammers were impersonating another company called XXXX. I was under the impression I was being hired to work for the company and would be processing reviews for restaurants. When I had to input my own funds on to the workbench, I applied for a loan and was approved by the bank. However, there wasn't much information or due diligence that was done by the bank to ask what the loan was for, to perhaps warn or give information on fraud or scammers of doing this type of scamming. When I spoke to a few other banks, I was told that this has been happening often and the banks have been warned of what the scammers are doing to try to obtain people 's funds. 
I was approved for the loan by the bank and the funds were deposited into my account. Shortly after receiving the funds, the funds were immediately taken out of my account and wired to a fraudulent account, which I was told was going to go to my workbench to do the reviews for the restaurant and then was told I would receive my funds back immediately. This did not happen, and my funds were gone and money was never recovered. Since this has happened, I no longer have the funds to pay the loan right back as planned too, after I was told by the company, how the process works. I have attached screen shots of the money being deposited in the account and quickly leaving and depleting my account. I am a schoolteacher, so I don't work during the summer and I don't make much money as it is, especially with the rising costs of inflation. I am not able to make this loan payment ( XXXX ) because I was not intending to not receive my money back that was placed on the workbench from what the company that hired me stated they would be doing. My credit is be effected in a negative way because of this and I am unable to make these payments. You can also see some conversations between myself and the company that impersonated themselves as the XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
LATE PAYMENT XX/XX/year> XXXX LATE PAYMENT COMPANY ( XXXX XXXX ) 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 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. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-07-25 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: MA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : ACCOUNT NAME AND NUMBER : XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. I request that the following actions be taken immediately : Investigation of the mentioned violations. Removal of the unauthorized accounts from my credit report. Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). Notification of the correction to any person who has received my credit report in the past six months. I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD XXXX LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH XXXX XXXX. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT NAME : XXXX XXXXXXXX ) ACCOUNT XXXX ), PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS. 



Dear CFPB Team, I am writing to inform you about an issue I have encountered with the credit bureaus. Recently, I sent a letter requesting the removal of an incorrect late payment from my credit reports. This late payment never occurred, and I believe it is an error that is negatively affecting my credit history. 
Unfortunately, despite sending this request to the relevant credit bureaus, I have not received any response from them. It has been XXXX days since I sent the letter, and I have yet to see any resolution. 
I am seeking the assistance of the CFPB to help resolve this matter. Enclosed with this communication, you will find a copy of the letter I sent to the credit bureaus and any other documentation relevant to this issue. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD XXXX LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH XXXX XXXX. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT NAME : XXXX XXXX ) ACCOUNT XXXX ), PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS. 



Dear CFPB Team, I am writing to inform you about an issue I have encountered with the credit bureaus. Recently, I sent a letter requesting the removal of an incorrect late payment from my credit reports. This late payment never occurred, and I believe it is an error that is negatively affecting my credit history. 
Unfortunately, despite sending this request to the relevant credit bureaus, I have not received any response from them. It has been XXXX days since I sent the letter, and I have yet to see any resolution. 
I am seeking the assistance of the CFPB to help resolve this matter. Enclosed with this communication, you will find a copy of the letter I sent to the credit bureaus and any other documentation relevant to this issue. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX made a payment to my credit card, accidentally paying the balance in full, {$16000.00}. 

To my surprise I immediately called credit card company to stop the payment, they told me it was too late and to wait till the 8th when it posted and cleared. 

This placed me in the most intense financial hardship as my account was overdrawn for over {$10000.00}. Within 2 days my overdraft protection kicked in and I waited. It was still difficult as I had bills to pay and only enough available credit to cover the payment. 
A few days went by and i noticed my chase card was a zero balance, paid in full. When the 8th came around I i immediately called chase to reverse the payment. 2 days later it was reversed and I paid my overdraft account and all was back to good. 

The next day i checked to ensure my min payment was made to chase credit card and my balance was restored only to find that i now owed over {$33000.00}. I immediately called and the agent made me feel good believing it was a Clerical mistake as someone also processed a reversal, i told her it was odd because i didnt get another deposit so where is that reversal money they have now charged me. 

2 days later im told by chase the payment team reviews and its correct. They continue to tell me my payment never cleared! It cleared alright! I was penniless for almost a week and overdraft protection charge of {$10000.00} that i had to pay back I have called many times and I am at a lost with no place to turn. I have demanded proof and yet to receive anything, my credit immediately dropped to poor and so did my husbands. This cant be happening! We just retired from th military after 20 years and have just began to open our business. This is messing with my livleyhood and we have no recourse. 

Please someone help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed a HARD INQUIRY on my credit report from Capital One on XXXX. I did NOT ask for nor approve any application with them. I have had XXXX cards before, but all were closed many years ago. 
I did nothing at the time, but paid close attention to my reports. 

On XXXX I received an APPROVED physical debit card from Chime.com in my mail that I never asked for. 
I called XXXX and reported this. They were helpful, closed the account, and suggested I file a report. 

I have submitted a fraud report to the XXXX bureaus on XXXX and they put an alert on my account. I signed up for premier plan from XXXX. 

I verbally had a few inconsistencies removed from my files. 

I am concerned it will happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. 

I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase Credit Card XXXX says I have a credit card and owe money on it. The have been with drawling money from my XXXX Account. I dont owe a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my 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 2024-07-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protecte privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX account number- XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
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 XXXX 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 2024-07-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protecte privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX account number- XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
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 XXXX 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 explanation