vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.

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 2024-06-21 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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:
In accordance with 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. 

Account Name XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 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 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
I am writing to formally demand correction and compensation for the incorrect and unverified late payment reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Incorrect Late Payment Reporting : My consumer report inaccurately shows late payments on three accounts, for which I was never late. These accounts include : Account XXXX : late payment reported in XX/XX/year>. 

. 




Failure to Conduct Proper Investigation : Despite previous disputes, you have failed to provide proof of investigation or verification of these accounts, as required by 15 U.S.C. 1681i ( a ). The consumer reporting agencies have a responsibility to report consumer information with maximum accuracy as mandated by 15 U.S.C. 1681e ( b ). 


I have included screenshots within this complaint showing the inaccuracies. Please investigate these accounts and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these entries be corrected to reflect " paid as agreed on time. '' Due to these inaccuracies and your failure to conduct proper investigations, I have suffered significant financial and emotional distress. Therefore, I am demanding compensation as follows : Financial Damages : {$15000.00} Emotional Distress : {$7500.00} Other Costs ( legal fees, higher interest rates, etc. ) : {$2500.00} Total Compensation : {$25000.00} Please correct these inaccuracies and remit payment of {$25000.00} within 30 days of this letter to avoid further legal action. Additionally, provide written confirmation of the corrections and documentation of your investigation. 

I trust this matter will be given immediate attention to resolve it amicably. 

Sincerely, 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 2024-06-21 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: MA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I completed a request to transfer {$270.00} to an individual that bank with XXXX. 
Zelle withdrew the funds but never made the deposit. They are holding the funds. I have no idea why. I requested that they the return my money to my bank and I was told it could take 1 to 3 business days. I don't know why they suspended the transaction. You can't talk with them. They create a substantial hardship for me. Why can they take money in minutes but can't refund in minutes. They are dishonest about their services and how that handled their transactions. It's been 3 days and I still don't have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: VA

Complaint narrative:
I requested dates and transaction history from the servicer and received no response. This timeline below is approximate. 

Basically, LoanCare paid my mortgage insurance premium check to the wrong address and by the time they made the payment to the correct address, my policy was canceled XX/XX/year> and the insurer refused to reinstate that existing policy. 

The new policy is much more expensive than my prior policy so I am financially harmed the first place ( I received a refund check from the insurer without explanation )

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with ( XXXX/DEPT OF ED, ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXXutopay. 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. 


XXXX XXXX/DEPT OF ED, ) 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 2024-06-21 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: MO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In the scenario you've described, it seems that there are serious issues with inaccurate reporting by the consumer reporting agencies. Here 's a revised version of the response that brings up the relevant USC codes, failure to provide proof on previous disputes, and includes an invoice for damages with a demand for payment within 30 days : Subject : Formal Complaint Regarding Inaccurate Reporting and Violations of Consumer Rights Dear [ Consumer Reporting Agency ], I am writing to address the ongoing inaccuracies in my credit reports and the violations of my consumer rights by your agency. Upon reviewing my consumer reports, I have identified multiple accounts that are inaccurately listed as charged off, namely accounts numbered XXXX, XXXX, and XXXX. This inaccurate reporting is in direct violation of several provisions outlined in the United States Code ( USC ).

Specifically, your agency 's actions are in violation of the following USC codes : 1. USC 15 1681 - Fair Credit Reporting Act ( FCRA ) : This federal law mandates that consumer reporting agencies maintain accurate and fair credit reporting practices.

2. USC 15 1692 - Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits abusive, deceptive, and unfair debt collection practices by debt collectors.

3. USC 26 6050P - Requirement to File Form 1
099-C : This section outlines the requirements for creditors to file Form 1099-C in cases of canceled debts.

Despite my previous disputes and requests for proof of the accuracy of the reported information, your agency has failed to provide the necessary documentation. This failure to comply with the FCRA and FDCPA is unacceptable and further compounds the inaccuracies in my credit reports.

Moreover, I have suffered significant damages as a result of these inaccurate reports, including but not limited to lost opportunities, increased interest rates, and mental distress. Therefore, I am attaching an invoice detailing the damages incurred, totaling [ Amount ] USD.

Per the provisions of the FCRA and FDCPA, I demand that your agency rectifies these inaccuracies and provides me with a corrected credit report within 30 days of receipt of this complaint. Additionally, I expect full payment of the damages outlined in the attached invoice within the same timeframe.

Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the aforementioned USC codes. I trust that your agency will take this matter seriously and act promptly to resolve these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
In the scenario you've described, it seems that there are serious issues with inaccurate reporting by the consumer reporting agencies. Here 's a revised version of the response that brings up the relevant XXXX XXXX, failure to provide proof on previous disputes, and includes an invoice for damages with a demand for payment within 30 days : Subject : Formal Complaint Regarding Inaccurate Reporting and Violations of Consumer Rights Dear [ Consumer Reporting Agency ], I am writing to address the ongoing inaccuracies in my credit reports and the violations of my consumer rights by your agency. Upon reviewing my consumer reports, I have identified multiple accounts that are inaccurately listed as charged off, namely accounts numbered XXXX, XXXX, and XXXX. This inaccurate reporting is in direct violation of several provisions outlined in the United States Code ( USC ).

Specifically, your agency 's actions are in violation of the following USC codes : 1. USC 15 1681 - Fair Credit Reporting Act ( FCRA ) : This federal law mandates that consumer reporting agencies maintain accurate and fair credit reporting practices. 

2. USC 15 1692 - Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits abusive, deceptive, and unfair debt collection practices by debt collectors. 

3. USC 26 6050P - Requirement to File Form 1099-C : This section outlines the requirements for creditors to file Form 1099-C in cases of canceled debts.

Despite my previous disputes and requests for proof of the accuracy of the reported information, your agency has failed to provide the necessary documentation. This failure to comply with the FCRA and FDCPA is unacceptable and further compounds the inaccuracies in my credit reports.

Moreover, I have suffered significant damages as a result of these inaccurate reports, including but not limited to lost opportunities, increased interest rates, and mental distress. Therefore, I am attaching an invoice detailing the damages incurred, totaling [ Amount ] USD.

Per the provisions of the FCRA and FDCPA, I demand that your agency rectifies these inaccuracies and provides me with a corrected credit report within 30 days of receipt of this complaint. Additionally, I expect full payment of the damages outlined in the attached invoice within the same timeframe.

Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the aforementioned USC codes. I trust that your agency will take this matter seriously and act promptly to resolve these issues. 

Sincerely, 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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
Hello, There were many fradulent transactions on my account and I have not recieved an update on my bank status. There were many transactions all towards an individual named " XXXX XXXX XXXX '' of who I do not know nor do I approve of.

There are two transactions of XXXX, XXXX, ( XX/XX/XXXX ) then XXXX XXXX, XXXX, XXXX and XXXX ( XX/XX/XXXX ). I just cheked my account statement and I am apalled to see these fradulent transfers that I have not initiated. 

What is concerning is that these were sent to another Revolut account ( same bank ) yet there was no security or notifications given to me that this was done.

This is a big security problem and I lost almost XXXX without my knowledge. I am lodging a complaint since I have not been updated or given this money back as I have not authorized these transfers. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-06-21 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with ( XXXX XXXX, XXXX XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. 


( XXXX XXXX, XXXX XXXX, XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In 2007, I was given a company payroll check in the amount of {$460.00} from my employer. I deposited this check into my account in good faith. According to the agent with the XXXX this negative information is on my TransUnion credit report and in the XXXX too. I called XXXXXXXX XXXX and they have no record of this check.

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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
On XXXX XXXX, XXXX XXXX was asked to send a check in the amount of {$6000.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was to be a Qualified Charitable Distribution as part of Required Minimum Distribution of the Inherited IRA Account. 

That check was never received by the XXXX. On XXXX XXXX, XXXX was again contacted and told to stop that check, issue & send a new one to the XXXX. 

The XXXX XXXX check was never received, and though XXXX was contacted in XXXX to ask further action, they never did anything. 

On XX/XX/XXXX, I contacted XXXX and asked them to send the {$6000.00} to a different address, that of the XXXX 's XXXX by next-day air so that they payment could be tracked. They asked for an uploaded document with signature containing the address, etc. This was done immediately. 

Since then, I've contacted XXXX many times to find out the status of the request. Today, XX/XX/XXXX, I was told that the XXXX XXXX check was cashed. I indicated to them that this was fraudulent, that the XXXX has never received it. I asked them to fin the cancelled check, see who signed for it and the bank that cashed it so that the fraudulent activity could be followed-up. 

I am still waiting for an answer. This whole process has lasted over 5 months, and caused me to make numerous calls and spend many man-hours. Many of my calls to their customer service have been dropped.

Company response to consumer: Closed with explanation