vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion and XXXX for failing to furnish what XXXX XXXX XXXX XXXX has furnished to them to report. Transunion reports the purging date to be XX/XX/XXXXXXXX  and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from XXXX XXXX on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. XXXX XXXX received my letter on XX/XX/XXXX. Both TransUnion and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe TransUnion or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand TransUnion and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. TransUnion and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by TransUnion and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. XXXX XXXX has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because TransUnion and XXXX are reporting two different purging dates is solely TransUnions and XXXX  default and they refuse to fix this on going issue. TransUnion and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. TransUnion and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.

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 2023-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
a week ago ( XX/XX/2023 ) a XXXX salesperson came to my house and i politely declined at the door but was basically forced in to letting her in to give me a demo. i told her i had to go to XXXX and she told me " i'll be done before XXXX closes '' she was at my home for FIVE hours. i told her i wasn't interested because i couldnt afford it due to me being a XXXX XXXX XXXX taking care of my XXXX XXXX XXXX brother. she insisted and would not take no for an answer, i was scared for me safety as she was in my home and then called her boss into my home as well. she told me her boss could get me a lower down payment of {$21.00} and brought him into to quote me and give me paper work. i continuously said no but i eventually gave in because she told me i had 30 days to cancel and return and she was growing more impatient and agitated. my mom was XXXX they ran my credit and i told her i was planning on canceling. i call today and they tell me i only had 3 DAYS to cancel my contract. its been a week. i cant afford {$79.00} a month, i dont have a job and if i dont pay them my credit score is XXXX she scammed and manipulate me into not only taking out a line of credit but getting this stupid vacuum! i really cant afford this and no one is helping or answering the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PCR Group
State: NY

Complaint narrative:
I am victim of identity theft and these accounts : Adjustment Account for {$18000.00} is fraudulent. Cfpb, this not the same complaint for XXXX. This formal complaint regrading identity theft has official my police report attached for the issue at hand regrading my identity being stolen. I never had this account and this is identity theft and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2023 of {$95.00} to XXXX was not handled properly by Chase. Merchant agrees with me, but Chase in an XX/XX/XXXX letter tells me charge was proper, but see annexed letter from merchant. Amount was to be credited. Letter from merchant XXXX is annexed yet Chase continues to bill me. Ugh- please help. Annexed is letter from merchant. Please tell morons at Chase to fix this and reverse any unwarranted charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
Account was opened on or about XX/XX/XXXX. Under the promotion I was supposed to receive {$100.00} by XX/XX/XXXX. The {$100.00} was never credited to my account despite meeting the promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have supplied a paid in full letter from XXXX XXXX to all 3 credit reporting companies, all 3 came back and reported I still have a XXXX balance and will not correct my reports.. They continue to report late payments for XXXX, XXXX, XXXX Even though I paid balance off on XX/XX/2023 as shown in XXXX XXXX letter..

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have put about XXXX checks in this account. Every check I deposit has been placed on and extended amount of hold time. Every-time I place a check in this bank it flagged. I feel like I'm been targeted because of my name and discrimination. My father passed way myself and siblings where giving money as a beneficiary. My siblings checks cleared with no issues or additional holds. For some reason chase keeps flagging my account. I give them no reason to flag my account. I have never wrote a bad check or have a check bounced that I deposited. I an being targeted. Now I am unable to pay my fathers funeral because they out additional 5 day hold on my account. They don't help when you call all they say they can not disclose why my account is flagged. I am being targeted! I will like to sue for discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Verisk Analytics Inc
State: UT

Complaint narrative:
I have begun the process of working with the XXXXXXXX XXXX listed on your 2022 consumer credit reporting agencies list and publication. I am trying to work with XXXX XXXX by XXXX. I asked for 2 things from them. First, I asked for a report. They want me to literally fill out all of my personal information and email it to them before theyll provide me with a report. That seems preditorial and insecure and would put me at greater risk. I also asked them to put a freeze in place to not sell my data or allow others to query it to which they said that they don't have to comply with that part of the FCRA law. 

Can you help with next steps here? I dont feel like Im able to get anything with getting my report or putting a freeze in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have an Amazon Credit Card which is managed by Synchrony Bank. The bank is using a predatory late fee mark on my account even when I still paying the account and even when Im paying {$160.00} / {$80.00} twice a month. When I make the payments those payments are instantly debited, however, synchrony takes time to post to whoever dates they please, and probably for that reason the predatory late fees are on my account. 

I tried to speak and explain to XXXX XXXX XXXX and XXXX XXXX, a representative from the company and what he did was close the chat and refused to help me and look for other better solutions without the predatory fees, but in the end, this is what they do to steal money, charge late fees to keep the account up and the customer never end up paying the whole account for that reason.

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 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RightPath Servicing has fraudulently claimed that my hazard insurance on my primary residence had expired, when it did not. I provided RightPath proof of insurance on numerous occasions. RightPath threatened to purchase hazard insurance on my behalf and assess me for the cost although I have repeatedly provided proof of hazard insurance. 
In XXXX of 2022 I was made aware of insurance purchased on my behalf and that I am being charged for this insurance. The insurance RightPath purchased was not hazard insurance, but condo insurance or a HO6 policy. RightPath deceptively claimed I needed to purchase hazard insurance, not HO6 insurance.

RightPath continues to assess me for this insurance although I have purchased my own HO6 insurance at more than half the cost I am being charged by RightPath.

RightPath has also misappropriated my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 seven 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 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: WV

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/XXXX Fay Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I bought a property at XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Unfortunately, when I sold the property in XXXX of XXXX the mortgage servicer refused to provide an updated payoff statement after several attempts. Once it was received they added additional fees and threatened to foreclose on the property if I didn't pay the extra charges. 

I have no choice but to pay them to avoid additional damage to my lively hood however, I do not want this to go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft and I would like the items 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 non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was displaced during Hurricane Ian and reached out to Discover for help as I lost my home, phone and computer so they shut off my automatic payments that I had in for 20 years straight and allowed me to skip two payments and when the next payment was due it was missed as the automatic payments were turned off ( by Discover ) and I was living in temporary housing so I did not get any mail to alert me that my payment was late and when I got back to into my home I was able to log into my account to see that another payment was missed which they never contacted me about and I immediately went back online to set up automatic payments and they refuse to remove the negative late payments off my account when I was living in a declared disaster area and didnt have normal access to manage my accounts and called them looking for help and now my credit score has dropped XXXX points by just being late on 2 payments but I was never late for over 20 years straight!

Company response to consumer: Closed with explanation