vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
The inquiries i have listed should be removed, this can't be a factual record I do have file the FTC report which i attached in the complaint this info should be removed in 24 hours otherwise i may take this thing to the court, this not something i going to take light, please help me with this, Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights Here are the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.

BankruptcyXX/XX/XXXX 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
BankruptcyXX/XX/XXXX Case Number : XXXX Please remove it from my credit repor

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 2024-11-16 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: NJ

Complaint narrative:
This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX ) Account # ( 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 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
In XX/XX/year> I fell and broke my leg and I was in XXXX for 2 months. When I came home from XXXX I fell again and broke my other leg.I could not walk and I am still having problems due to being XXXX XXXX XXXXWhile I was at the XXXX the second time I got XXXX, In addition I have had a XXXX which my XXXX XXXX is gone now. My daughter moved in with me and she cares for me full time now because I get around by myself.I had my daughter reach out to VA Haf and we were approved in XX/XX/year>. In XX/XX/year> they called us and said they had ran out of funds. Unfortunately, I did not have the funds to bring the loan current. Working with Fay Servicing has been a nightmare. I have a hud counselor who has helped us on a few things but can not get a modification. We sumitted documents on the XXXX of XXXX and they continue to state they have not recived them which is a lie because we have proof of the email acknowledgement emails that the did receive them.They are using the 37 day rule not to help. I have never dealt with such uncaring indivuals like this.What dishonest people and besides it was 31 days prior.Poor excuse. If you want to have better relationships with your customers and a better rating on the government agencies maybe you should try to help instead of continuously hurting people..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: IL

Complaint narrative:
On XX/XX/2024 my wages began being garnished by XXXX XXXX XXXX. I owed {$970.00} for a debt on my Military Star Card. Over the next few months my checks were garnished to satisfy the debt, however, there reached a point in which I began over paying the debt. 

- XX/XX/2024, I first made contact to XXXX to inquire about why I was still paying the debt. They replied that none of my payments were applied to my account. I called XXXX who has been sending XXXX the checks, and confirmed with them on the phone that they absolutely have been cashing the checks. 

XXXX XXXX XXXX makes contact with XXXX supervisor who then provided two emails to send proof of the checks a request XXXX made. XXXX sent over the copies, but XXXX claimed they could not open them. XXXX sent me the checks to send to XXXX. 

XXXX XXXX XXXX XXXXXXXX confirms the receipt of the checks and that they have located the checks, however, now they claiming they need my employer to reach out to them. At this point XXXX has all they need, and confirmed they have what they need to apply my checks to the account to stop the garnishment, but they are slow walking this. 

-Now they want my payroll to call XXXX XXXX for employment verification to stop a garnishment that has been overpaid. 

-I believe they are aggressively feeding off people who do not have the means to hire an attorney and after a certain time just want to stop the garnishment so they just pay it over the phone using a debit card so now they get additional money from the cashed checks they claim they cant find, but they now get more money from a debited account. I think they have found the perfect loophole to pay themselves and pray off of people that are not fortunate to do much about it. They are stealing from me at this point and they are fraudulently claiming my employer needs to reach out to them to stop the garnishment after finding the checks.

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 2024-11-16 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: PA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Information of complaints : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card with XXXX XXXX and XXXX XXXX XXXX. There is a fraudulent account with XXXX XXXX XXXX XXXXXXXX with a deposit bank account. There is fraudulent activity with an account with XXXX. The accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-16 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: NJ

Complaint narrative:
This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX ) Account # ( 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 2024-11-15 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: FL

Complaint narrative:
I was stunned to discover inaccurate accounts on my credit report tonight, and I have no idea how they got there. I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the errors persisted. This issue has left me deeply concerned, and Im urging a thorough review of the documents Ive provided so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I noticed this problem on my credit report in XXXX. Please remove it from my report as soon as possible. Iam a victim of identity theft and these accounts are not mine CAPITAL ONE CLOSED : XXXX XXXX BALANCE : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This is the first time actually making a large withdrawal with my Citibank debit card. And my card was immediately locked. I called customer service and was transferred several times to awed and was told that there was an automated block on my card. I asked for a supervisor and then was lied to that the block would be released on its own within the first 24 hours if not tomorrow morning at the latest. Have no way to access my funds. I do not live near a Citibank branch. The closest one is all the way in XXXX and I live in Michigan. I would just want my money out of the account and I would like to close it immediately after I finish with them, customer service was horrible, representative treat me as if I was bothering them when they were withholding my money and not giving me any information on how to take it out. I had to use XXXX to take money out of my account to pay my bills and XXXX also to remove money from my bank account.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report shows inquiries I didnt authorize. Please correct this by removing them.

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 2024-11-16 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: AZ

Complaint narrative:
On XXXX a credit card for the amount of {$3000.00}, on XXXX a car loan for the amount of {$30000.00} and on XXXX another car loan for the amount of {$98000.00} was opened in my name without my knowledge or consent. I have reached out to all consumers and all 3 credit bureau insisting that they handle these fraudulent accounts respectfully. I have mailed all parties all the documents including police reports and FTC reports to hep wit this matter. XXXX and XXXX has since received all documents and removed these fraudulent accounts respectfully. TransUnion responded back to me claiming that the consumers verified these fraudulent accounts which is a violation of my right under federal law 15USC1692c ( c ) I also spoke with a supervisor at TransUnion Special Handling Department by the name of XXXX XXXX which he responded that I need to contact consumer again and there was nothing he can do after who explained to me that all my paperwork was valid including police report. so I totally feel like I am being Biased towards me because I informed him that my rights was being violated and I was gon na file a complaint which made him claim that he was gon na put the dispute back in.. he refused to handle this matter professionally and I would like for someone to take over this matter respectfully.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX of XXXX at XXXX I called to XXXX XXXX to request the opening of a 3rd line in my account. XXXX XXXX XXXX from Customer Service helped me to open the account but he never informed about any inquiry to my credit report. After ending the phone call I noticed a hard inquiry in my credit report and called again to ask about it. They informed that they never do hard inquiries and that I they were supposed to do a soft inquiry instead of a hard inquiry. Since then, I have been trying to claim that XXXX XXXX send a letter to Transunion in order for the unauthorized hard inquiry be removed from my personal credit report. 

In addition, I am disputing that there is incorrect information ( Bankruptcy information ) in my credit report from TransUnion and XXXX. Please find attached 2 separate letters that I already mailed and uploaded to the corresponding credit reporting bureaus.

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 2024-11-15 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: VA

Complaint narrative:
I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The XXXX  XXXX that was filed is incorrect and the Dates is incorrect, I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # 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 2024-11-16 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: WA

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized credit inquiries from my credit report. These inquiries were made without my knowledge or authorization following a data breach that compromised my personal information. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent inquiries blocked and permanently removed from my credit file. 
Unauthorized Inquiries XXXXXXXX XXXX Date : XX/XX/year> XXXX. XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Accounts on my report due to fraud are negatively affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: WI

Complaint narrative:
REF : Blackhawk Case number XXXX I purchased nine prepaid Visa  debit cards on XX/XX/year> at XXXX with a value of {$200.00} each. These cards are issued by XXXX and distributed and serviced by Blackhawk Network California Inc. 

I registered the cards online in the provided manner in order to make online purchases. On XX/XX/year> I then attempted to make online purchases with multiple of the cards, and each time the purchase was declined. On XX/XX/year> I contacted the customer service phone number on the card, XXXX. The agent informed me that the cards were locked " for my own safety '' as part of routine fraud prevention. The agent refused to unlock the cards and told me he could mail me replacement cards in 7-10 days or provide virtual cards via email in 24-48 hours. I requested virtual cards and we went through a lengthy process to complete the request. 

I did not receive the promised virtual cards within 48 hours, so on XX/XX/year> I again contacted the customer service phone number. At this time I was told that no such request for virtual cards had been made. I was furthermore told this was not possible, then the agent changed his mind and entered the request. 

On XX/XX/year> I did receive the virtual cards, so still outside 48 hours of the 2nd phone call about virtual cards. However, I am unable to access the virtual cards as the given weblink yields an error " We apologize. We have identified an error on our side. Please contact customer service at XXXX. '' On XX/XX/year> I contacted the latest phone number. At first the agent blamed IT issues the provider was having. Then he told me I needed to try different combinations of browsers and devices. I tried those while on the line and still could not access the cards. He then said he was entering a request for escalation. I informed him that I expected a resolution within 24 hours, which he agreed to. 

On XX/XX/year> I received an email that they were still working on a resolution, or could mail me physical replacement cards in 7-10 business days. I politely replied that this was a ridiculous request given I started with physical cards which Blackhawk elected to lock and that they could either deliver working virtual cards that day as promised, or overnight me physical cards to arrive within 24 hours.

Blackhawk network did not respond to this email within 24 hours. 

On XX/XX/year>, I received an email from Blackhawk network stating that the virtual cards " should work '' and to try again, with the same instructions as before about what browsers to use. I had already done this but decided to try again and got the same result, " We apologize. We have identified an error on our side. Please contact customer service at XXXX. '' Blackhawk Network is holding hostage {$1800.00} of my funds ( nine cards with a value of {$200.00} each ) and has been obstinate about fixing this issue.

Company response to consumer: Closed with explanation