vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a complaint regarding my account with Capital One, which was blocked following a XXXX transfer of {$1400.00}. I was asked to provide personal information about the sender, which I was unable to do. Despite my efforts to confirm the legitimacy of the transaction with my own information, Capital One decided to block the account for a review. After some time, I requested the account to be closed, and Capital One assured me that the funds would be issued via a check. However, the timeline for this was not specified, and I have not received the funds. 

After my initial complaint to the CFPB, Capital One responded differently to me and to the CFPB. In their email to me ( dated XX/XX/year> ), they stated that the review was completed, and the account would be closed, with the balance sent to my linked checking account or via check to my mailing address. However, in their official response to the CFPB ( dated XX/XX/year> ), they claimed the review was ongoing and that the restriction on my account remained. 

This inconsistency raises significant concerns about the transparency and handling of my case. I am seeking clarity on the actual status of my account and the release of my funds, which Capital One previously promised. Additionally, I request the CFPBs assistance in ensuring that the company resolves this matter promptly and provides accurate information to both me and the XXXX. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Venmo closed my account and they are refusing to release my funds on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Freedom Mortgage filed a 120 day late payment on XX/XX/12. 

I was in a forbearance that went on far beyond XX/XX/12 through an extension. 

I called freedom mortgage about this late payment filed on my credit report and they falsely stated they never filed this late payment on my credit score.

I can not rectify this mistake because freedom mortgage keeps denying they have made this claim against my credit score. 

I was in forbearance and this late payment is a false report that needs to be removed.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several closed accounts on my XXXX credit bureaus and I would like them to be 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several closed accounts on my XXXX credit bureaus and I would like them to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NC

Complaint narrative:
I am writing to formally request the removal of inaccurate and inconsistent information reported on my credit report, specifically concerning an account listed as " XXXX XXXX, '' Account XXXX : XXXX, with a balance of {$2600.00}. 

On XX/XX/year>, XXXX conducted a thorough investigation of this account and removed it from my credit report. The investigation results were as follows : INVESTIGATION RESULTS- DELETED : " The disputed item ( XXXX ) was removed from your credit report. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite this, Equifax sent me a report on XX/XX/year>, stating that the information had been verified as accurate and correctly reported. Furthermore, XXXX continues to list this account on my report. 

This inconsistency between the bureaus is causing irreparable harm to my credit score, and I am requesting that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, and remove this item from my credit report. 

In accordance with the FCRA, Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D, I am also requesting the names and business addresses of each individual with whom you verified the aforementioned account so that I may follow up on this matter. 

Please provide me with an updated copy of my credit report after your reinvestigation, as required by law. 

I appreciate your prompt attention to this matter and look forward to your immediate action to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
Cease-and-Desist Letter for TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Inaccurate XXXX and FCRA Violations Dear Sir/Madam, This letter serves as a formal cease-and-desist XXXX XXXX XXXX XXXX XXXX XXXX inaccurate information on my credit report under the name XXXX XXXX. Despite active litigation filed against both of your companies ( PACER Case Numbers : XXXX XXXX XXXX XXXX XXXX XXXX  you have failed to correct inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). 
The accounts in question include, but are not limited to : XXXX XXXX XXXX, these accounts are and litigation. 
Your repeated violations of the FCRA are unacceptable, and your negligence continues to cause harm to my financial well-being. 
I hereby demand that you : Cease and desist from reporting any inaccurate information about these accounts on my credit report. 
Permanently remove these accounts from my credit file. 
Failure to comply with this request will result in additional legal claims, including punitive damages for willful non-compliance. 
Please confirm in writing that you have complied with my request within XXXX days of receipt of this letter. 
Sincerely, XXXX XXXX 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 2024-11-20 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 all payments were placed on XXXX. 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 to be 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.

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! 


Update 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 2024-11-20 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: MN

Complaint narrative:
XXXX is reporting the DATE OPENED of XXXX loans as XX/XX/XXXX ( see TransUnion and XXXX XXXX attached ). The DATE OPENED however are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ( see attached information from XXXX ). 

XXXX is reporting the loans to the credit bureaus, however the last activity/payment is over XXXX XXXX XXXX and negative information should cease being reported per the FCRA. XXXX is in violation of the FCRA. This has resulted in an XXXX pt drop in my credit score and is harming me financially while I am submitting applications for a new home. 

I contacted XXXX by phone on XX/XX/XXXX to request that they correct the information and send an account history. They stated the information would be emailed within XXXX days. They however did not furnish the information requested nor cease reporting to the credit bureaus. 

I submitted disputes with TransUnion ( twice - see attached ) and TransUnion " verified as accurate '', however this is not possible as again, these loans were opened over XXXX years prior. I submitted a dispute with XXXX ( see attached ) however XXXX has not completed their dispute.

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 2024-11-20 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: MN

Complaint narrative:
XXXX is reporting the DATE OPENED of XXXX loans as XX/XX/XXXX ( see XXXX and Equifax XXXX attached ). The DATE OPENED however are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ( see attached information from XXXX ). 

XXXX is reporting the loans to the credit bureaus, however the last activity/payment is over XXXX XXXX XXXX and negative information should cease being reported per the FCRA. XXXX is in violation of the FCRA. This has resulted in an XXXX pt drop in my credit score and is harming me financially while I am submitting applications for a new home. 

I contacted XXXX by phone on XX/XX/XXXX to request that they correct the information and send an account history. They stated the information would be emailed within XXXX days. They however did not furnish the information requested nor cease reporting to the credit bureaus. 

I submitted disputes with XXXX ( twice - see attached ) and XXXX " verified as accurate '', however this is not possible as again, these loans were opened over XXXX years prior. I submitted a dispute with Equifax ( see attached ) however Equifax has not completed their dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I need a ''WRITTEN PAYMENT ARRAGENMENT AGREEMENT '' I will not conform to a verbal agreement. 

This is my second time submitting this complaint and requesting these docs and company still does not provide what I am asking for. 

Company promised a payment card and still have not received anything. 
Company have only sent ONE payment reminder on XXXX XXXXh. It is NOW XXXX XXXX  and I have not received a payment reminder for XXXX  payment.

Staff is very unprofessional and unqualified to work in customer service and deescalate a call. XXXX XXXX got into a back and forth battle with me and we were literally screaming at each other on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been complaining for over XXXX  years that my account balance was inaccurate as there was an increase from {$61000.00} to {$64000.00} for no reason. I have been requesting my statement of account since then and requested again on XX/XX/XXXX and finally got a response in XXXX. The statement showed reasons for the increase below that did not make any sense to me. 

XX/XX/XXXX {$2300.00} Capitalization XX/XX/XXXX {$98.00} Capitalization XX/XX/XXXX {$1200.00} Transfer I requested for a reconciliation of this on XX/XX/XXXX and got a response on XX/XX/XXXX that it would take XXXX business days to resolve. I sent an email requesting the resolution status on XX/XX/XXXX ( way after the promised resolution date ) and they sent another email on XX/XX/XXXX that they can no longer provide a specific timeframe for the resolution. 

Please note that I hate being indebted and I have been requesting for my statement and reconciliation of my account for over XXXX  years so I could resume paying for the XXXX loans. It is so sad and painful that I assumed there would be a freeze on my account during their investigations but this didn't happen and I have been dinged with about XXXX points on my credit score. 

I would appreciate it if you can assist with enforcing the correct balance and monthly payments with the borrower ( XXXX ) and get them to report the errors on their part to the credit bureaus so my credit score can be corrected

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been complaining for over XXXX years that my account balance was inaccurate as there was an increase from {$61000.00} to {$64000.00} for no reason. I have been requesting my statement of account since then and requested again on XX/XX/XXXX and finally got a response in XXXX. The statement showed reasons for the increase below that did not make any sense to me. 

XX/XX/XXXX {$2300.00} Capitalization XX/XX/XXXX {$98.00} Capitalization XX/XX/XXXX {$1200.00} Transfer I requested for a reconciliation of this on XX/XX/XXXX and got a response on XX/XX/XXXX that it would take XXXX business days to resolve. I sent an email requesting the resolution status on XX/XX/XXXX ( way after the promised resolution date ) and they sent another email on XX/XX/XXXX that they can no longer provide a specific timeframe for the resolution. 

Please note that I hate being indebted and I have been requesting for my statement and reconciliation of my account for over XXXX  years so I could resume paying for the student loans. It is so sad and painful that I assumed there would be a freeze on my account during their investigations but this didn't happen and I have been dinged with about XXXX points on my credit score. 

I would appreciate it if you can assist with enforcing the correct balance and monthly payments with the borrower ( XXXX ) and get them to report the errors on their part to the credit bureaus so my credit score can be corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been complaining for over XXXX years that my account balance was inaccurate as there was an increase from {$61000.00} to {$64000.00} for no reason. I have been requesting my statement of account since then and requested again on XX/XX/XXXX and finally got a response in XXXX. The statement showed reasons for the increase below that did not make any sense to me. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I requested for a reconciliation of this on XX/XX/XXXX and got a response on XX/XX/XXXX that it would take XXXX business days to resolve. I sent an email requesting the resolution status on XX/XX/XXXX ( way after the promised resolution date ) and they sent another email on XX/XX/XXXX that they can no longer provide a specific timeframe for the resolution. 

Please note that I hate being indebted and I have been requesting for my statement and reconciliation of my account for over XXXX years so I could resume paying for the student loans. It is so sad and painful that I assumed there would be a freeze on my account during their investigations but this didn't happen and I have been dinged with about XXXX points on my credit score. 

I would appreciate it if you can assist with enforcing the correct balance and monthly payments with the borrower ( XXXX ) and get them to report the errors on their part to the credit bureaus so my credit score can be corrected

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