vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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:
The XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.

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 2024-07-29 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 XXXX 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 in 60 days to be removed.

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. 


XXXX 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!

Delete the late payments from my consumer reports 8

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 2024-07-29 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: TX

Complaint narrative:
I received emails from a company called XXXX XXXX but I do not know who they are and they are sending me emails to withdraw funds out f my account. This is fraud, I do not know who they are

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My XXXX  and I have had an auto loan for the past 4 years with XXXX  without any issues happy customers had an online access and have made payments and never late up until XX/XX/2024 that my XXXX  had a XXXX  XXXX. We decided to open a spending/ checking and savings account for myself, husband and daughter who would deposit funds for us to help us out as well. It was no issue. In XX/XX/2024 I paid our auto loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX no issues. I also XXXX  XXXX XXXX  to our XXXX account no problem. On our joint account which only has about XXXX XXXXXXXX my husband zelled XXXX $ to XXXX of our neices XXXX XXXX XXXX Then the nightmare begun. They locked our accounts which by the way the auto loan and spending/checking and savings were all linked. I called to unlock/unblock the accounts and have access and more than 6 times it was always an issue even if I answered all Identity questions correctly. Now the issue is they still have to investigate thought again i answered all ID questions. We are so disappointed because we are retired, we thought we could have a small amount of funds in the spending and checking as well as savings that our daughter was so gracious to help us with and be able to make the car payments from one linked account to the other. The fraud department representatives thought i understand are doing their jobs they spoke to me as if i was a criminal. The hung up on me. I explained our auto loan will be late we need to access and i quote : she said that was not her concern : all representatives treated me harshly, cruel made me cry at XXXX XXXX XXXX. To that end I want to close our spending / checking and savings and have access to our funds and withdraw them so how. We will stay with our auto loan because that is whom financed us and we have never had an issue. Please help us we are desperate retired folks. Kindest Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: PA

Complaint narrative:
I discovered inaccurate accounts on my credit report tonight and am unsure of the reason. Upon my routine check, I found discrepancies that hadn't appeared before. Refreshing my browser didn't resolve the issue, as the errors persisted. Therefore, I ask that the documents I've submitted be examined carefully to alleviate my concerns permanently.

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 2024-07-29 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX Chase Bank erroneously withdrew {$1000.00} from my business bank account. I went into the XXXX XXXX branch and sat with XXXX, a branch banker, for XXXX minutes as he worked with XXXX to correct this error. It was painful to watch. XXXX then told me that I would receive a credit back to my business account by Friday XX/XX/XXXX for {$1000.00} as XXXX recognized and corrected the error. 

On XX/XX/XXXX Chase Bank erroneously withdrew an additional {$51000.00} from my business account, putting my business account into a negative balance. I went into the XXXX XXXX branch and sat with XXXX, the XXXX XXXX XXXX, for XXXX minutes as she worked with XXXX to try to correct this error. It was painful to watch. XXXX told me that the best XXXX could do was open up another complaint and possibly have a resolution within XXXX business days. 

I have added XXXX, the XXXX. XXXX XXXX at the XXXX XXXX XXXX branch to this email. 

The XXXX bankers whom I have met, including XXXX, XXXX, and XXXX, are doing the best that they can in a system that is mind boggling. 

I can not run a small business with a negative balance in my business account. I have no faith in XXXX 's ability to manage my business finances, yet can not change banks until this issue is resolved. I want {$52000.00} put back into my business account immediately. In the coming week, I need to make purchases and receive tuition payments for my private preschool. I want to know what steps are being taken to investigate this level of continued incompetence and disregard for the day to day needs of small business owners and XXXX 's corporate inability to correct obvious errors made by XXXX. 



XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

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 2024-07-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within XXXX XXXX, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have made multiple attempts to rectify this matter first i sent them a debt validation letter and they sent me statements. Statements are not sufficient evidence of a debt Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334. Anyone can create statements to falsely stimulate the idea in a consumer that they owe an alleged debt. Next they refuse to honor my cease and desist which violated federal law and means they are now harassing and abusing me. What's included in a cease and desist is permanent deletion from consumer reports because consumer reports are in fact a medium of communication per the definition of communication under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
moved into apartment homes in 2017 on a 6-month lease. Moved out mid XXXX after surviving a terrible hurricane Harvey, with lease ending in XXXX this was best to serve better conditions with a newborn baby, office was notified and keys were turned in. office states we left the apartment a mess which is the reason we choose to move the apartment was old and roach infested with very old outdated appliances, to try to charge us for the condition of the apartment when we moved in is unfair. before all this transpired this was not communicated with me nor my husband such large amount {$1900.00} was due, we did not learn of this until it hit our credit and even then when asking for proof and records of damage they could not provide this info to us. Once they sold the debt to a collecting agency this agency called and harassed me three to 6 times a day weekends included, when asking could i have more info or an amount they transferred me to an agent who was rude and very distasteful to the human kind. she is truly the reason I no longer will call and try to settle this debt just to have it removed off of my credit. The new debt collection company reps are mean and not understanding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: LA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
We initiated in conversation with Mr. Cooper mortgage company to receive a partial release form at the end of XX/XX/year>. We received their documents information needed section at the beginning of XX/XX/year>. Mr Cooper mortage company transferred us to their Subordination office, which do not have a direct representative or contact we can call. The only contact we received was XXXX. We submitted all of the information needed for this to the email provided XX/XX/year>. For two weeks straight, we continued to receive an automatic email stating we were missing documents, which was incorrect. We've followed up on consistent communication daily during this time period and never received any further direction at all. It was not until XXXX in which I made several online complaints until someone actually could pick up the phone and call me. During this time period, I lost the contract of the sale for which I would be selling the property for because of the lack of communication from their office. No response is being done by their office in a timely manner. We have an email thread of over XXXX emails dating for over a month now, still no further guidance by Mr Cooper mortgage company to further assist in this process. Myself, Title company, and real estate agent all have no clear direction on this because we simply can not receive an answer from Mr Cooper mortgage company on the status of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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:
Several inquiries pop on my report I didnt do I enclosed list of fraudulent inquiries and ftc report uploaded for you to see

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was victim of an identity theft from my fathers daughters. He opens an account with XXXX with XXXXXXXX XXXX XXXX, the actual creditor is Portfolio Recovery Associates , LLC with a balance of {$2000.00}, this account was opened on XX/XX/XXXX. I left XXXX on XXXX of XXXX and I returned on XX/XX/XXXX. I was not aware of this matter since I was not here with my oldest daughter very sick, she has a XXXX XXXXXXXX and her health was very compromised at that time. 
Sincerely, my best regards.

Company response to consumer: Closed with explanation