vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to file a complaint against TransUnion for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking XXXX XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
Despite my clear and thorough request, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, XXXX certified mail proof of delivery, along with TransUnions response as evidence.

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 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
They are harassing with the amount of phone calls. Called 2-3 times a day, including weekends and past acceptable hours. Call from rerouted landline numbers, almost always different. They called me over 170 times in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> I do not recognize this inquiry

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE

Complaint narrative:
On XX/XX/year> XXXX from XXXX called my employer in Alabama and had them contact me in the field negatively dispensing personal business to sour my standing with my employer. Then called again on XX/XX/year> on my company owned cell phone and again XXXX stated he was from pre-legal and threatened to continue calling my employer not personal contact information sources. I told him to send any further communications through the mail. He also stated it was a recorded line raised his voice making threats then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: SC

Complaint narrative:
HUNTER WARFIELD IS IN VIOLATION OF MY CONSUMER RIGHTS. THIS COMPANY HAS VIOLATED THE ORDER TO CEASE AND DESIST FROM CONTACTING ME BY PHONE AND VIA EMAIL. HUNTER WARFIELD HAS VIOLATED THE ORDER TO CEASE AND DESIST. HUNTER WARFIELD HAS VIOLATED : 15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT AGGRAVATED IDENTITY THEFT - 18 USC 1028 A 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT 42 U.S. Code 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 15 U.S. Code 1681 Section 602 A Section 2 15 U.S. Code 1602 - Rules and constructions 15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies VIOLATION OF ORDER TO CEASE AND DESIST 18 USC 1028 A - AGGRAVATED IDENTITY THEFT I DID NOT CONSENT TO GIVE MY NUMBER TO ANY COMPANY. THIS ACT WILL NOT LEAD INTO LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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 2024-07-30 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: CA

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed 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 explanation
Consumer complaint received 2024-07-30 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: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I moved on US government orders and opened a bank account with XXXX XXXX XXXX, which is an affiliate of XXXX XXXX XXXX XXXX with headquarters in XXXX XXXX, TX. I properly linked my Chase account with the XXXX XXXX bank through the external deposit verification process. I was able to transfer funds initially. I tried to transfer funds again but my account was locked and XXXX. I was able to unlock it through calling Chase and explaining the situation. They said it should be fine. I linked the XXXX accounts again through the verification process, but again it was denied and my Chase account was blocked. I called again to unlock it and also ask how to ensure transfers go through, as I live in a mostly cash economy. XXXX the supervisor said there was no way to make these transfers and I should pay to wire funds. This is a XXXX XXXX  and my name is on the account, and now my funds are being held XXXX ; and to access these funds and make transfers, I have to pay expensive fees over the next many years of my assignment here. I asked over and over what I can do to confirm to Chase that I own this bank account, but there is no process, and my account would now continue to be locked if I kept trying. 

Requesting CFPB to look into these unfair transaction fees and practices to use my own funds. I have been using XXXX transfers for many many years. Seems to be discriminatory against military accounts especially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XXXX different occasion and now a third tine I have requested this collection agency LVNV Funding ( c/o Resurgent Capital Services ) to provide me with an original signed contract and payment history from the original creditor as well as a signed contract from the original creditor allowing this company to pursue collections on this debt. This creditor is reflecting on my credit reports for & XXXX which I do not owe to LVNV Funding Opened XX/XX/year> and has been reporting for XXXX years without any validation provided to me per my request. Hence, this request clamaint request. To date, this creditor has not provided me the details requested to validate my owing this debt to them ( LVNV Funding ) or their right to collect on this debt via a signed contract from the original merchant and/or creditor. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NJ

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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 2024-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
I would like to know if Basco Credit is the company that owns my deed of trust now as they profess to buy it from XXXX XXXX XXXX XX/XX/XXXX I have not been paying my second loan since XXXX XXXX XXXX  was purchased by XXXX XXXX XXXX XXXX in XXXX I do not know if my loan were charged off already by XXXX XXXX XXXX  and lender has failed to communicate with us for 15 years and XXXX not be in compliance with disclosure requirements I do not see the connection of XXXX XXXX who sold this note to XXXX which was owned by XXXX before in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO allowed a random person to create checks. No information on the check was correct except for the account number. The wrote XXXX checks for a total of {$49000.00}. BMO never notified me, but they cashed all checks and drained my account. Now they tell me it could take 90 days to recover my funds.

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 monetary relief
Consumer complaint received 2024-07-30 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
An inquiry from Ally Financial appeared on my credit report due to an assessment conducted by XXXX XXXX XXXX when I was purchasing a vehicle. They ran the report to determine which company could offer a car loan, even though I ultimately financed my car through XXXX XXXX XXXX and did not require XXXX XXXXXXXX services. I subsequently reached out to Ally Financial, requesting that they remove this unnecessary inquiry from my credit report. Despite my efforts, I have not received any response from them regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-07-30 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: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am unable to hear and use XXXX XXXX XXXXXXXX ( XXXX ). I lived in XXXX for three months and before leaving for the XXXX, I made sure to pay all my bills using my credit cards and online banking. However, when I attempted to pay my bills, my home seemed may not have had a strong Wi-Fi connection. As a result, I thought the online bank transactions went through and closed my laptop in XX/XX/year>. I did not receive any XXXX  reminders or calls from USBank, possibly due to weak internet or network issues in XXXX. As I was busy with my university internship work as an advocate for an organization in XXXX, I didn't check my personal email regularly. When I finally had time to check my email at the end of XXXX, I was shocked to find out that my credit limits had been drastically reduced from {$4000.00} to {$600.00}. I contacted the company and was informed that it was due to missed payments. I explained my situation and how I had always been loyal to USBank and had never missed a payment in the past 30 months. However, the bank was firm and refused to reconsider. I was very upset by their decision, especially considering my loyalty to them over the years. I returned XXXX on XX/XX/year>.

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 monetary relief
Consumer complaint received 2024-07-30 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and Equifax data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief