vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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 TRANSUNION 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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 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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My PayPal credit card ending in XXXX has 2 authorized users and both are not being reported to the credit bureaus. The account is missing entirely. The account is being reported on my credit report. I need this clarified as to why both users are not being reported despite being added in XXXX XXXX XXXX 

Separately, I spoke with one of the rudest managers today ( XX/XX/XXXX ) who provided misinformation and did not help to file a concern until we got into an argument. The concern will take 30 days by physical mail, and I do not feel comfortable with her escalation being correct. Her name is XXXX, she said she could not give an employee ID number. She started by saying her reps gave correct information ( when they did not ) and went into a whole conversation that was unrelated to my issue ( stating that this was an issue for the credit bureaus, not PayPal, that the authorized users were on my account ( which has nothing to do with my issue ), and stating that PayPal does not report dormant accounts ( which, again, has nothing to do with my issue as the last report went out in XX/XX/XXXX ) ). She was very rude, speaking over me, did not admit to her mistakes, was extremely defensive, and said that she does not handle credit bureau reporting ( as if that helps me at all, trying to divert blame as it's not her department and it's clearly not mine ). Please provide the complaint number for her.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I XXXX XXXX am submitting this dispute on my own behalf. I am demanding the removal of the negative information lexis nexus is reporting on my consumer report of a bankruptcy. The bankruptcy court does not share information with consumer reporting agencies therefore they are not a furnisher. In Lexis Nexus response on XX/XX/year> a rep stated the court is a furnisher when in fact they do not report information to the CRAs. Lexis Nexus is reporting this information without permissible purposes which is a violation of 15 usc 1681b. Under the Fair Credit Reporting act i am a protected consumer and Lexis Nexis has a duty to comply with all parts of the law with respect to my right to privacy as congress intended. Lexis Nexis is an elaborate mechanism who assumed the responsibility as a consumer reporting agency and is not a government entity and NEVER had consent to purchase and sell any of my personal information. I am requesting the method of verification used to obtain the information and proof the court reported this information to them. If Lexis Nexus is not able to provide documents stating the court shared this information with them it needs to be removed immediately. The information reported by Lexis Nexus causes adverse actions against consumers such as being denied housing effecting ones livelihood, securing employment and ones right to credit. Lexis Nexus is civilly liable for any adverse action that has occurred up to this date and failure to remove the information will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX I called and asked the loan company XXXX XXXX servicing what I could do to lower my mortgage payments since it went up significantly because of my taxes. They told me that the only thing I could do was pay off my entire escrow shortage at once. 
I asked why the escrow got analyzed early in XXXX, but they could not give me an answer. 

On XX/XX/XXXX at XXXX I called the loan company again and spoke with another representative. This representative told me that I could request my escrow shortage to be paid over 24 months instead of 12 months. 
I asked why the escrow got analyzed early in XXXX, but they could not give me an answer. 

On XX/XX/XXXX at XXXX I called the loan company to request the escrow shortage to be paid over 24 months. I asked the new representative what was the maximum months I could request and she told me 48 months. Therefore, I requested 48 months. I should have been told that by the previous phone representatives on XX/XX/XXXX. 

I checked my payments online to see that my mortgage payment has decreased, but not significantly. Therefore, I called them to see the request for 48 months was applied. They told me that I was denied the 48 months and granted the 24 months. 
I asked them why I was not granted the 48 months, but was not give a straight answer. 
I asked them to give me a documented answer on why I was denied, but I was not given an answer. 
They said it could of been the loan company " Loancare '' that they service, as to why I was denied. I asked for Loancare 's number and they said that they do not have it. 

They also said it was possible because I have a FHA loan, but they was not sure so, they gave me the number to FHA HUD for more information ( XXXX ), but they could not provide me with an escrow related answer. 

In short, I do not know why my escrow was analyzed early or why I was denied the 48 month shortage time to cover and I was not able to get any solid answers from them. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite my repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has had a severe impact on my life, causing significant stress and XXXX. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
I write a letter to TransUnion and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with their Agency for the purpose of filing a complaint with their agency.

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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: KY

Complaint narrative:
XXXX day I tried to login to my Laurel Road account online and it said it had been locked. So i had called to see why and to try to fix it. They said I would have to create a whole new account and that the funds would be transferred over. I tried to do that and it didn't allow me to do so. I currently have XXXX  of dollars sitting in that account and can't do anything about it according to them. It's been since XX/XX/XXXX I have been unable to access this account and my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
My XXXX check was released to the bank and they accepted it on my behalf I spent XXXX hours yesterday on the phone about XXXX hours today on the phone and they tell me it's going to take a couple days for them to find where my money 's at I gave him a tracking number and a still just telling me to wait I'll just have to wait. Talk to the treasury department and they said they definitely know that the bank received the money and accepted it. That's an XXXX XXXX check that I count on and haven't had access to since last Friday like I said. I was also told when they do find it they won't call me to let me know I have to guess pretty much when they found it or if they found it and call them this isn't the first problem I've had with this Bank but this is the worst so far. The check amount would be {$620.00}. tracking number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was deposited XX/XX/year>. Thank you hopefully you can help me out have a nice day take care

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NJ

Complaint narrative:
This afternoon, I was shocked to find inaccurate accounts on my credit report, and Im completely baffled as to why this is happening. I check my credit report regularly, but this time I was blindsided by discrepancies that seemed to come out of nowhere. I even refreshed my browser, hoping it was just a mistake, but the errors persisted. The fact that the inaccurate accounts didnt disappear when I refreshed the page is really alarming. Given this issue, Im asking that the documents Ive submitted be thoroughly reviewed so I can put this worry to rest.

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 2024-09-04 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: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This XXXX include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: DC

Complaint narrative:
" I am writing to dispute two accounts on my credit report under the name AMERICAN COLLECTIONS ENT. These accounts appear to have been charged twice, and I am completely unaware of their origin. I have no knowledge of owing any debt to this creditor, and I am concerned that these entries might be the result of an error or potential fraud. It is unclear how two separate accounts were created, both of which I do not recognize or authorize. 

I request that you thoroughly investigate these accounts and provide me with detailed information about how they were established and any associated charges. If these accounts can not be verified as accurate and legitimately belonging to me, I kindly ask that they be removed from my credit report immediately. This situation is causing undue stress, and I trust that you will address this matter promptly to ensure my credit report reflects accurate information. Thank you for your attention to this issue. ''

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MN

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Alleged Violation of 15 USC 1692g - Validation of Debt. I am asserting that a debt collection attempt made by XXXX XXXX XXXX, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. Despite being approached by XXXX XXXX XXXX, regarding an alleged debt, l lacked prior knowledge of its existence and was not afforded the opportunity to contest it. Per 15 USC 1692g, debt collectors are obligated to furnish consumers with a written notice within XXXX days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand XXXX XXXX XXXX, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

Attached is proof of request of validation of debt via certified mail sent on XX/XX/year> by myself and received by XXXX & XXXX on XX/XX/year>. As of today XX/XX/year>, 30 days to validate debt has passed and I have not yet received any validation. If validation has been sent, please furnish a certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
Obtained a prepaid debit card through a cashback website ( XXXX ). They issued a card through XXXX XXXX XXXX  When requested, I received this email below. Unfortunately, I didn't realize the expiration date was 6 months from the issue date. I contacted them and said per terms, the funds are forfeited after 6 months. 

Hello XXXX, Congratulations! Your USD XXXX XXXX XXXX card is just a click away. 

Simply click the link below to access a virtual card and use it to shop online immediately. 

Access Your Card Youve exchanged your payable cashback into a prepaid card using a service that we provide in partnership with Prepaid Digital Solutions. The link will take you to their website, where you can access and manage your cards. 


Save this email! 

Click the button again to view your card balance, access your transaction history or return to your card details. 


If the link does not redirect you, please follow these steps : 1. Visit XXXX 2. Enter your prepaid digital token : XXXX For assistance, click the contact us button on our homepage Use your card anywhere XXXX XXXX  cards are accepted around the world. Card is issued by XXXX XXXX XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX. Please note, access to your payment expires on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
Per my last complaint sent through the CFPB we are homeless and our home located at XXXX XXXX XXXX XXXX, XXXX Ga XXXX had excessive fraud our names were forged and over 20 loans were taken out on the home, The XXXX XXXX XXXX XXXX XXXX and other judges were involved with XXXX XXXX XXXX. and stole our home and allowed persons from XXXX to just take the home. There was no Perfection of Service. This part was even fraudulent. 

WE WANT IMMEDIATE CLARIFICATION REGARDING THE FOLLOWING : XXXX, WHO WAS THE DEBT HOLDER DURING THE LIFE OF THE FRAUD LOAN? 
XXXX WHO WAS THE TRUSTEE OF THE ACCOUNT FROM WHICH THE LOANS WERE TAKEN FROM? 

XXXXXXXX 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