vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: OH

Complaint narrative:
On 05/09/2024 I mailed a first-class letter to TransUnion LLC Consumer Dispute Center Stating I had found the following items to be in error reporting on my credit report, requesting they be removed under Consumer Laws that were relevant to my situation. They did not respond to me with any positive news. They sent me a letter saying " We applaud your recent efforts to take charge of your credit. We want you to know were on your side and were here to help support you on your path toward credit XXXX. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. The letter goes on to say that I could count on them to achieve my credit goal, which is ridiculous because they have continued to ignore all my request. They asked me to go into the Transunion website to dispute anything I needed. A letter I believe was sent to waste my time. I had attached a Bill with my name and current address, A

Driver 's License even a copy of my Social Security card. All in color. Legible and Clear.

A Balance for a XXXX XXXX XXXX XXXX  Account opened in XXXX Still reporting unpaid- XXXX Incorrectly Reporting late payments XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX I also have also Sent Certified Letters to Transunion as well XXXX. 
No Response was sent me to as I requested. 
I sent another set of certified letters to Transunion on XX/XX/XXXX and have not received any type of update on any one of the Errors I have tried bringing to their attention. I have spent hours of my time both on trying to correct the Errors Reporting and the misuse of my credit report. I have spent money on sending letters to them both first-class mail as well as certified mail. I feel I am getting taken advantage of. It's become extremely stressful and time consuming. I truly hope I can get someone to help.

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 2024-07-02 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: FL

Complaint narrative:
According to FCRA 605B, you must remove any false accounts from my credit report. Could you verify the documents? Some accounts are misreported, with incorrect figures and dates.

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 2024-07-02 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: PRONTO FINANCE INC.
State: IL

Complaint narrative:
PRONTO FIN XXXX Balance Owed : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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 submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$970.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXX XXXXXXXX Balance Owed : {$17000.00XXXX XXXXXXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} Medical XXXX Balance Owed : {$520.00} Medical XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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 submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXXXXXX Balance Owed : $ XXXX. late closed XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXXXXXX Balance Owed : {$520.00} Medical XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit report has inaccurate reporting with these Bank of America accounts. I have notified Bank of America but they refuse to comply and uphold their responsibilities as a furnisher of information.

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 2024-07-02 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: FL

Complaint narrative:
This company is reporting 3 late payments in this closed account. 

XXXX XXXX XXXX Account Number : XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. 

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.

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 2024-07-02 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
This company is reporting 3 late payments in this closed account. 

XXXX XXXX XXXX Account Number : XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. 

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CAPITAL ONE XXXX Balance Owed : {$180.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
It is very clear now that M & T Bank was trying to commit fraud against me and my co buyer.. According Georgia UCC Indexing System from XX/XX/XXXX to XX/XX/XXXX the state of Georgia has no records of any mortgage debt or any other.. please check attachment.

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 2024-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WV

Complaint narrative:
I file this fourth CFPB complaint to request that the Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan on my XXXX credit report be removed. I have filed three complaints against MOHELA with the CFPB regarding this issue to no avail. MOHELA has repeatedly assured me that the issue will be rectified. Those assurances ring hollow. I have attached my XXXX credit report, dated XX/XX/year>, which reflects the information MOHELA furnished XXXX as of XX/XX/year>. Please see page seven of the report. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX . Again, MOHELA has repeatedly assured me that a request would be submitted to XXXX to remove the comment, but I have yet to see any progress. The comment still remains! This is entirely unacceptable. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. I would like this comment removed from my XXXX credit report. My ID is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX 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 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 XXXX XXXX XXXX, DEPT OF EDXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I made an online purchase of {$220.00} for several items in XXXX. I returned them to the store prior to the due date XX/XX/XXXX of my credit card and within a few weeks of purchase. My previous balance was XXXX. I was told Macy 's sells for other vendors on their site and they call it market place in fine print on line with no other details. I should owe XXXX dollars but the clerk said because it is their market place, they ( Macy 's ) would have to mail it back and it could take up to 3 weeks for my credit ( s ) in full. I inquired about my account with a due date in a few days. Basically, I have to pay the Macy 's bill which I do not owe a penny because I returned the {$220.00} in full prior to my due date and within the time limit of XXXX interest. I was told once all of this takes place I would have to call Macy 's, and keep checking back, to have a customer service agent take care of fees. I was forced to pay Macy 's a minimum payment of {$29.00}, I have {$5.00} in interest and a balance of {$38.00} because it's not all mailed back. I am held hostage to a payment I do not owe, my credit tarnished if I do not pay and subject to the mail being on time, and interest fees and then finally calling again to get my refund which could take forever. If Macy 's has an agreement with a Vendor it is between them and not me. I feel Macy 's extorted money from me needlessly and should have provided me with the return credit as do all other stores. I have asked customer service to resolve, sent a message in chat and called with XXXX progress. This is a formal complaint. They have no business hanging my good name and credit over me because Macy 's is a " wan na be '' XXXX. There is no reason for me to waste my time going through the aggravation of getting fees removed when I owe absolutely no money. Bad Business. Bad Practice. Please assist in resolving this extortion policy

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 monetary relief
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I bank with SoFi this was my first time using XXXX with SoFi bank. They say that I violated the terms and conditions. I was unaware that I was not able to receive a deposit for cleaning a home via XXXX. They accept the funds. I tried to go back and take them out and they refused me and put my money on hold. I have a {$2300.00} mortgage also with XXXX children I am XXXX  and I pay cash for my XXXX. All this took place on XX/XX/year> my family and I also pay for food with this money. Im begging for help. I asked to speak with a manager, and they refuse me to speak with a manager. I really do not know what to do next I have called several several times thinking maybe the result will change. They will not even give me a date of when my check will be mailed out since theyre forcing my account close.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XXXX XXXX at XXXX XXXX  I received an email stating my account is closed. I immediately called customer service to request information. I was told due to security reasons they could not provide me with information but to check their policies for account cancellations. I asked about the funds in my account one representative stated 10 business days and two other representatives stated I would not receive my funds. The account had a balance of {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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:
I am writing to formally dispute unauthorized inquiries on my credit report. I have recently reviewed my credit report, and I have identified several inquiries that I did not authorize. These inquiries are affecting my credit score negatively and were not initiated by me. 

Please find the details of the unauthorized inquiries below : Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> I kindly request that you investigate these inquiries and remove them from my credit report promptly.

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