vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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:
TransUnion has allowed inaccurate information regarding a charged-off debt to remain on my credit report for over two months, despite my previous dispute. This delay in correcting the error violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain accurate information. By failing to address and resolve the dispute within the required time frame, TransUnion is in violation of its obligations to provide accurate credit reporting. 

attached are : -letter pre arbitration -credit report -ftc 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 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I received a complaint from XXXX XXXX XXXX XXXX XXXX stating that I owed a debt from XXXX  from XXXX XXXXGenesis FS Card Services in the amount of XXXX this debt is not mine ; I have a XXXXXXXX XXXX XXXX that is open and not in default. I have had XXXXXXXX XXXX XXXX in the past and if I don't use it for an extended period of time they close the account for in activity. 

I checked my latest credit report and it doesnt reflect the complaint that has been sent threatening me with judgment and garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
All credit agencies have incorrect and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Hello, I have attempted many times to dispute late payments recorded on my credit reports for a mortgage and home that I am no longer connected with as a result of a divorce and quit claim deed filed with the courts back in XXXX. The PHH Mortgage Company, now called XXXX XXXX is very difficult to reach via phone and online requests that I have submitted resulted in no response. I have even provided a written letter to the company, my divorce documents, the quit claim deed and a contempt of court legal document with no response.

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XX/XX/year> requested hardship and never received paperwork. I have 2 credit lines under this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : Bankruptcy 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-11-26 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: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I am asking for your assistance regarding the incorrect account being listed on my credit report. This issue has hurt my reputation as a customer, and I need your help. These accounts are being reported inaccurately and negatively, and I want them 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. This account is erroneous and inaccurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the information on my credit file is accurate and verifiable. 

The account in question is as follows : Creditor Name : XXXX, XXXX XXXX  XXXX I have reviewed my records and confirmed that I never opened this account, nor did I authorize anyone else to open it on my behalf. I have also filed an identity theft report with the Federal Trade Commission ( FTC ), as this situation appears to be a result of fraudulent activity. Enclosed, you will find a copy of the FTC Identity Theft Report. 
In accordance with 15 U.S.C. 1681c-2 of the FCRA, I am requesting the immediate blocking and removal of this account from my credit report. As per this section, upon receiving proof of identity theft, credit reporting agencies are required to block the reporting of any fraudulent account within four business days.

Please investigate this matter promptly and provide me with written confirmation once the account has been deleted. If you determine that the account can not be deleted, I request a detailed explanation and the documentation used in your verification process, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

I look forward to your prompt resolution of this matter by deleting this account from my credit report. 

Thank you for your attention to this urgent matter.

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 2024-11-26 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: TX

Complaint narrative:
I am asking for your assistance regarding the incorrect account being listed on my credit report. This issue has hurt my reputation as a customer, and I need your help. These accounts are being reported inaccurately and negatively, and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I would like to start off with an embarrassing misstatement of fact on a previously filed report with CFPB.I submitted the following report I provided the company XXXX with considerable information regarding lifting a credit freeze they have on my credit report, and they are still insisting that I send them my passport and driver license over the mail. I am reluctant to do this especially given their record on lapses. I have a above 8 credit score according to my bank and XXXX has already caused rejection of two credit cards because of their freeze. Some time ago I cancelled my account with XXXX, and possibly this is retaliation or a means for me to reopen my account. Given their history and my experience, I do not want them as a credit agency if closing an account. 
The company that may report concerns is Equifax not XXXX. If possible, I would like to amend my complaint toward Equifax not XXXX. XXXX did respond to the complaint that you made in my behalf. As a follow through They lifted a freeze on my account in the manner that I would expect to Equifax to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : 1. Account Name : XXXX Date Listed : XXXXXXXX XXXX XXXX  Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I am writing to dispute the alleged debt reported by XXXX XXXX XXXX XXXX XXXX on my credit report with account number ending in [ XXXX ]. I challenge the ownership and validity of this debt, as it has been erroneously reported as a " charge-off '' without proper verification or validation. 

Background : Ownership Dispute : The account in question does not belong to me. I have never entered into any agreement with XXXX XXXX for this account, nor have I received any documentation to substantiate the legitimacy of this debt. 

Inaccurate Reporting : Despite my previous disputes, XXXX XXXX continues to report this alleged debt as accurate on my credit file. This reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that creditors only report verified and accurate information. 

Failure to Validate Debt : Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX is required to provide documentation to validate the debt upon request. To date, no such validation has been provided.

Charge-Off Status Misrepresentation : The account is reported as a " charge-off, '' which indicates the debt was written off as a loss. However, a charge-off does not absolve the obligation to validate the debt or accurately represent its ownership.

Concerns : Misrepresentation of Debt : Reporting a debt without proper ownership validation not only violates federal law but also causes unwarranted harm to my credit and financial standing.

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 2024-11-26 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-11-26 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CADENCE BANK
State: MS

Complaint narrative:
I opened a checking account with Cadence Bank, under the condition that the account would remain free if I maintained a {$250.00} balance. I kept {$250.00} in the account and didnt use it for months. 

Recently, I decided to close the account and discovered that Cadence Bank had been deducting fees without my knowledge. They charged an {$8.00} inactivity fee, which caused my balance to fall below {$250.00}. From that moment, they began charging XXXX XXXX monthly fees, and I was never notified of these charges no emails, no alerts. 

When I raised this issue while closing the account, the teller of the Cadence XXXX Branch requested the manager, XXXX, to waive the fees. The manager refused to resolve the issue, despite my clear explanation of the situation. 

This behavior feels unethical and exploitative. I request that all deducted fees be refunded immediately and that Cadence Bank reviews their customer notification process to avoid such incidents in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMCB Credit Card Company at XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX is reporting on my credit report in the amount of {$6500.00}. According to IRS regulations 6050 P accounts over {$600.00} that are written off charged off are required to issue a 1099 C. Income is not reported on credit reports. Please provide 1099 C so I can pay taxes to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
hi Regarding Bank of America. 

I received my first credit card statement in XXXX with a balance due of {$1100.00} with a due date of XX/XX/year> Payment was made in two portions, {$6.00} on XX/XX/year> and {$1100.00} on XX/XX/year>, both posted to my account prior to the due date. 

Next statement I received a finance charge of {$37.00} ( the breakdown on the statement was ( APR of 22.74 % with balance subject to interest rate of {$1900.00} for a finance charge of {$37.00} ) I called and they stated that the finance charge is because the payment was short by {$2.00} and therefore it triggered the finance charge based on my average daily balance. 

Problem # 1 - my credit card balance was {$1100.00}, how could they charge an interest rate on a balance of {$1900.00}???

Problem # 2 - I made a typo of paid {$2.00} less than what I was supposed to, how could they charge {$37.00} when they were only short {$2.00} ( which happens to be less than 1 % of the balance )???

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 2024-11-26 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: MO

Complaint narrative:
Delete/Remove Inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-11-26 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: LA

Complaint narrative:
Hard inquiries listed on my credit report were not authorized. Please correct this.

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 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
XX/XX/year>, I provided a copy of my tax bill to Shellpoint Mortgage, due to the company stating they did not have an update to copy. XX/XX/year>, I received a letter stating they could not pay for the same reason, not having a copy of the tax bill. The same day, I sent a copy via the provided email and copied my original loan officer. Weeks later and several phone calls later, one with my original loan officer from XXXX, no solution or taxes were paid. Due to working for the XXXX of XXXX, I can not owe any debt, so I paid the bill of {$2700.00} plus the late fee on XX/XX/year>. In addition, I did not want to continue to be delinquent on my property taxes. I contacted Shellpoint to make them aware and requested a refund of my escrow. In addition, I followed up with an email a few days later, XX/XX/year>. After several phone calls, I received a letter stating, I would not be able to draw down my escrow due to not having the loan for a full year. Once again, I called and discussed the reason for requesting a refund ( unpaid taxes in which I was forced to pay, though I had more than enough in my escrow to cover the bill ). As of today, I have close to {$9000.00} in my escrow account and would like a refund to cover my out-of-pocket expense and to pay future bills. Please note, XXXX also assisted by contacting their corporate office and was unable to solve the problem ; however, they are still working to assist with the refund request. Please assist with this concern, thank you.

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