vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: Mid-Atlantic Finance Co., Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX 15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TX

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 2024-05-20 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.

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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
**Subject : Demand for Deletion of Inaccurate Bankruptcy Entry** Dear Sir/Madam, I am writing to demand the immediate deletion of an inaccurate bankruptcy entry from my credit report. The details of the erroneous bankruptcy entry are as follows : XXXX XXXX XXXX XXXX Information : | Bureau | Type | Status | Date Filed/Reported | Reference # | Closing Date | Asset Amount | Court | Liability | Exempt Amount | Remarks | | -- -- -- -- | -- -- -- | -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -| -- -- -- -- -- -- | -- -- -- -- -- -- -- -| -- -- -- -- -| | TransUnion | XXXX  XXXX Bankruptcy | Discharged | XX/XX/2015 | XXXX | XX/XX/2015 | {$0.00} | U.S. Bankruptcy Court | {$0.00} | {$0.00} | - XXXX XXXX XXXX XXXX Reasons for Demand : 1. **Identity Error** : The listed bankruptcy does not belong to me. I have never filed for bankruptcy, nor have I been involved in any bankruptcy proceedings.

2. **Violation of Fair Credit Reporting Act ( FCRA ) ** : The inclusion of this inaccurate bankruptcy entry violates several provisions of the FCRA , including Sections 611, 623, and 605, which require credit reporting agencies to ensure the accuracy of the information they report. XXXX XXXX XXXX  Requested Actions : 1. **Immediate Deletion** : I demand the immediate deletion of the erroneous bankruptcy entry from all three credit bureaus : TransUnion, XXXX, and XXXX. 

2. **Notification** : Please provide written confirmation once the deletion has been completed. 

XXXX XXXX XXXX Legal Basis for Demand : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates the accuracy and fairness of information reported by credit bureaus. Inaccurate bankruptcy entries violate the FCRA 's provisions, including Sections 611, 623, and 605.

I have enclosed copies of my credit reports highlighting the inaccurate bankruptcy entry, along with any supporting documentation affirming my claim that the bankruptcy does not pertain to me. 

Thank you for your prompt attention to this matter. I expect a swift resolution and written confirmation of the deletion of the inaccurate bankruptcy entry from my credit reports. 

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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received a XXXX XXXX XXXX award which helps to pay a large portion of my XXXX XXXX. In Fall of XXXX, the XXXX XXXX made a payment of {$3700.00} on XX/XX/XXXX which did not reach my account. The XXXX financial team made their investigation and found that the check payment to =Discover was offset by the XXXX XXXX to Discover 's outstanding tax garnishment. The actual payment amount received on my account after the offset was {$24.00}. After XXXX  months of back and forth, Discover eventually credited my account retroactively. The same thing happened again in XXXX of this year. The XXXX made a payment of {$3700.00} on XX/XX/XXXX which has not been credited to my account. Despite many requests from me to start an investigation on their end, they keep all of the ownership for data collection on me. For example, they refuse to contact Treasury to confirm the information on their end and have me obtain the check information, account number, routing number and date of payment from the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC
State: CO

Complaint narrative:
The first problem has been ongoing for about a year Mercury credit card simply kept losing my payments. 
The real complaint is that Mercury is now using Extortion to force everyone to ONLY get a online statement and if I don't agree via their email they will immediately cancel my account. Keep in mind that I've ALWAYS paid my bill in full and on time yet they are allowed to threaten me, have my XXXX XXXX lowered all because they refuse to spend any money on processing payments made via the mail. This is plain wrong and by threatening us they make it pure extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject XXXX Dispute of Incorrect Late Payments on Mortgage Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from TransUnion and XXXX for my mortgage account ( Account # XXXX XXXX XXXX. These entries are not accurate and negatively impact my credit score and financial standingXXXX XXXXDetails of the disputed information XXXX XXXX XXXX XXXXAccount Number** : XXXX XXXX XXXXAccount TypXXXX : Mortgage - XXXXAccount StatusXXXX  : Open - XXXXMonthly PaymentXXXX : {$2900.00} - XXXXDate OpenedXXXX : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - XXXXBalanceXXXX  : {$450000.00} XXXX XXXXPast DueXXXX  : {$6500.00} - XXXXPayment StatusXXXX : Late 60 Days - XXXXLast ReportedXXXX XXXX XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - XXXXDate of Last PaymentXXXX : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXDiscrepancies in Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion : XXXX XXXX XXXXLate PaymentsXXXX : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLate Payments** : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 
XXXX XXXX XXXX XXXXAction Requested XXXX XXXX  1. **Investigation and CorrectionXXXX : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and XXXX update my credit report to reflect accurate payment history.

2. XXXXNotificationXXXX  : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from TransUnion and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. Equity Advantage Holdings, Inc.
State: CT

Complaint narrative:
There are two entities involved in our transaction. XXXX XXXX XXXX who is note holder and XXXX XXXX XXXX that actually pulls the payment from our account. XXXX XXXX XXXX provided us with an amortization schedule when we signed up for the service and forwards the payments to XXXX XXXX. XXXX XXXX has made some adjustments to our account but it still does not match the amortization schedule originally provided by XXXX XXXX XXXX. XXXX XXXX XXXX shows our mortgage being paid in full as of XX/XX/XXXX and XXXX XXXX shows it being paid off in XXXX of XXXX. XXXX XXXX XXXX has not answered any of our complaints. In addition, the payments are debited from our account every two weeks but are forwarded to XXXX XXXX XXXX a month. XXXX XXXX is getting the float on our money that is suppose to be used to help accelerate our mortgage. They have mislead us on what the service they would provide would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Late payments are being reported after the account was closed. This is a fcra violation and you can be fined up to {$1000.00}. Update immediately. 

Account XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
INQUIRIES I DID NOT INITIATE : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject XXXX Dispute of Incorrect Personal Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate personal information reported by TransUnion and XXXX on my credit reports. The information in question is misreported and must be corrected as it impacts my creditworthiness and personal records. 

Below are the specific details of the incorrect information : - **TransUnion** - 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to have accurate information reported in their credit files . Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

My correct personal information is as follows : 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 I request the CFPB to investigate this matter and ensure that TransUnion and XXXX update my credit report with the correct personal information.

Please find attached copies of my identification documents and credit reports highlighting the discrepancies. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: MI

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting XXXX XXXX accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I tried moving funds XXXX XXXX XXXX XXXX from my Goldman Sachs Marcus XXXX to my XXXX XXXX XXXX and I received an email notification from XXXX XXXX or XXXX days later saying that they could not complete my transaction because my bank account was frozen. I checked with Goldman Sachs by calling, spoke with XXXX different people, and they all refused to tell me the reason due to " security reasons ''. The most that they would tell me is that it was likely due to either incorrect account informationXXXX XXXX activity, or XXXX more reason that I do not remember. I do not think any apply to me and have been using the account for a year with no problems. They said they will either send the money to a linked external account or send me a check, but they did not give me a time to expect it. Now I can not access my funds for some undetermined amount of time and haven't been able to for the last week since I originally tried making the transfer to XXXX. They said that they have the right to close my account at any time for any reason, which I understand since it was in the agreement that I signed upon opening the account, but they are not being forthcoming with information and didn't even send me any notification that this was going on ; I only found out because XXXX told me that my bank account was locked, which led me to call Goldman Sachs. 

If I try to move the funds in the app directly, then it gives me a vague error instructing me contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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