vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be re-investigated. 



I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from 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 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: CA

Complaint narrative:
I inherited my mother 's home in XXXX XXXX, which included the mortgage she had with US Bank ( It's US Bank mortgage account XXXX ). I notified US Bank of my mother 's death in XXXX and US Bank made me the successor on the mortgage. I made all the payments of principal, interest and escrow until XX/XX/XXXX of XXXX, when I paid off my deceased mother 's mortgage entirely and twice told US Bank to issue the escrow refund check in MY name and not my deceased mother 's. 10 days or so later, I received a check for my escrow made payable to my deceased mother. I called the bank and told them to reissue the check in my name. Nothing happened. I called the bank again remade the same request, was told the check would be reissued in my name and again nothing happened. Today I called the bank and told them to reissue the check and was told they could not reissue the check until 30 days passed. This is obviously an illegal tactic for the bank to hold onto it's mortgagor 's money for as long as possible. It's US Bank mortgage 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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ensuring timely payments on this account has always been my priority, avoiding any instances of overdue payments. I'm unclear about the reasons behind the reported late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On my credit report it is saying I haven't paid for my vehicle since XXXXXXXX XXXX XXXX when it was repossessed for losing employment due to covid. Now my subframe is rotted off my car and is no longer safe to drive so I am paying for a vehicle I can't even use. Can't get another loan or into another vehicle because my payments are 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 explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong info about how they're reported, the amount, and the dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the XXXX XXXX XXXX and attached the XXXX XXXX XXXX  affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Payment was made via the phone service in XXXX. Payment was not processed by company. Payment was made for both XXXX and XXXX when company did NOT process payment made. A complimentary removal of the delinquent payment was not granted and the company ( Service Finance ) found themselves not responsible. I have email correspondence that was never responded to and a manager named XXXX who said they refuse to email back and that all credit matters need to be dealt with through a bureau. I have several requests into the bureaus that were responded to by service financial, they stated their information was still correct. And made little effort to help with this issue as a customer of service finance. They refused to grant a courtesy removal of the delinquent payment which should have never been late anyway as they failed to process the payment.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
RE : Adverse Action Dear XXXX  XXXX XXXX, I, the consumer and natural person, was denied credit by First National Bank of Omaha 's when I applied for a personal loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and 15 u.s.c 1692k.

You are subject to criminally liability for violating I have proof that i was discriminated against by First National Bank of Omaha 's due to the response, I received and was subsequently denied credit. Regardless of the reason for being denied, I assert my right to fair access to credit. Withholding my access to my securities is a form of securities fraud. This action violates both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 



Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of First National Bank of Omaha 's If First National Bank of Omaha 's fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make First National Bank of Omaha 's criminally and civilly liable for all actual ( {$10000.00} ; per violation ). 

Thank you, XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

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 2024-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX  Date Open : XX/XX/2021 Balance : {$2500.00} Account number : XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 602 A States I have 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XXXX Date Open : XX/XX/year> Balance : {$2500.00} Account number : XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 602 A States I have 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.

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 2024-04-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX Date Open : XX/XX/year> Balance : {$2500.00} Account number : XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 602 A States I have 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.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I consistently make sure payments on this account are punctual, preventing any overdue occurrences. I'm uncertain about the causes for the noted late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
Remove these inquiries, please. I have no knowledge of this, and the company conducted them without my consent.

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 2024-04-23 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:
FCRA 605B seems to say we need to delete any wrong accounts from my credit report. Could you check the papers? Some accounts listed have wrong details about how they're reported, the amount, and the 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 2024-04-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - XXXX - Please delete this item immediately. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX  XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-23 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: PA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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 credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2024, we were charged the amount of {$1600.00} to our checking account via our debit card. Neither my wife nor I initially recognized this charge, and so we each made reports to Chase Bank about it on XX/XX/XXXX and XXXX, not having consulted each other. As a result, Chase opened 2 separate claims for the same charge ( something they later explained to me on a customer service call that they should not have been able to do ). On XX/XX/2024, the charge was processed and we were charged {$1600.00}. On XX/XX/XXXX, the claim reversal went through and we were credited back that amount. Approximately a week later, however, the charge was found to be authorized, and so one of the claims was closed and the charge went through, and on XX/XX/XXXX we were again charged {$1600.00}. 

At this point we still had one claim open, and so I called Chase Bank on or around XX/XX/XXXX to attempt to close this second claim. We were told that the claim that was still open was the one that had credited us the money, and the claim that had closed was the one that had charged us, and as a result closing the other claim would result in us being charged a second time, but that they would credit this money back to us within 5 business days so that we do not pay twice. The second charge went through on XX/XX/XXXX, and we were again charged {$1600.00}. 

Three weeks later we still have received no credit and have been charged twice. Upon calling Chase this morning I was kept on hold for over an hour before being told that the charge would be reversed again in 5 business days. I asked for verification of that in writing in case the funds once again did not materialize, and the representative disconnected the call without any confirmation. I called back shortly thereafter, and was kept on hold for an additional hour while they went through the same process as the previous representative, but again could not provide me with any information about whether the money would be returned to us.

Attached in the documents are the four notices we received regarding our claims, as well as confirmation of the order for the purchase in question.

Company response to consumer: Closed with explanation