vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My bank of America ( boa ) credit card was due on XXXX.which I paid through their online phone app.however, after I made the payment I got no confirmation that it was paid.waited a few hours and checked back; same thing.later in the day I called the customer service number to check and it said I still had a minimum payment due.so I paid XXXX which was more than the minimum due. The next day I checked my bank account and saw that they withdrew {$75.00} TWICE. Called them 4 times, which cost me about XXXX hrs. on hold and talking with people.Each time the assured me they would research it and refund it, which never happened.the last time I called them was XXXX and they said I would get it in XXXX business days.its now XXXX XXXX and still no refund.they neither refunded it to my bank account nor did they apply it to my credit card balance..they basically STOLE it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit report as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The information related to these accounts has been compromised, and I do not want these fraudulent entries to impact my credit history.

Below is a list of the accounts that should be blocked and deleted from my credit file : Accounts : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-17 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 was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update 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 2024-12-17 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally address a serious issue regarding, Possible Finance, which appears to have misrepresented financial activity under my name and committed negligence under applicable laws. This has resulted in negative reporting on my XXXX credit report, despite the balance being paid off. 

Details of Concern : - The company, listed as " Possible Finance, '' shows a balance of, {$100.00}, updated as of XX/XX/year>, which has been resolved and paid in full. 
- Despite the resolution, this balance remains on my credit report in a negative status. 
- The only information available for this company includes an invalid address ( XXXX, WA XXXX ) and a phone number ( XXXX ). Attempts to locate their full address through further searches ( XXXX and XXXX  ) have failed, raising concerns that the company may be fraudulent or cloned. 
- Each time I have mailed a formal dispute letter to request removal and resolution, my letter has been returned as, undeliverable, due to the invalid address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion, XXXX and XXXX for their failure to conduct a proper investigation and provide the required documents as required by law to properly verify the following inaccurate and misleading accounts their reporting on my credit report ; XXXX XXXX XXXX : Account/Reference Number : XXXX Debt Amount : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Debt Amount : {$1000.00} XXXX XXXX XXXX Solutions : Account/Reference XXXX XXXX XXXX XXXX Amount : {$320.00} XXXX XXXX Systems : Account/Reference Number : XXXX Debt XXXX XXXX {$4100.00} XXXX XXXX XXXX Number : XXXX Debt Amount : {$220.00} Under the FCRA, TransUnion, XXXX and XXXX is required to conduct a reasonable and independent investigation when a consumer disputes information on their credit report. The court in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), emphasized that credit reporting agencies must go beyond mere reliance on information provided by data furnishers. This means XXXX, XXXX and TransUnion must take affirmative steps to ensure the information is accurate and complete. 

To meet this obligation, XXXX, TransUnion and XXXX must obtain original source documentation from each Collection Company Mentioned herein, including but not limited to : The original contract or agreement bearing my signature that allegedly created the debt. 

The debt purchase agreement or chain of assignment showing each XXXX XXXX mentioned herein legal right to collect on the debt their independently reporting. 

Without proper verification of these critical documents, the accounts can not be deemed accurate or verifiable. The case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), establishes that a failure to obtain this documentation renders the account unverifiable and requires its removal from the consumer 's credit report. Therefore, if TransUnion, XXXX and XXXX can not obtain and review these documents as part of its investigation, the account must be deleted pursuant to the FCRA. 

TransUnion, XXXX and XXXX must fulfill their statutory duty under 15 U.S.C. 1681i by conducting an independent investigation and ensuring that each XXXX XXXX mentioned herein provides proper verification of the alleged debt. Please provide me with a written response detailing the outcome of your investigation, along with copies of any documentation you relied on to verify the accuracy of these accounts. I expect a response within the time frame required by the FCRA. If XXXX, TransUnion and XXXX can not provide such documentation, I respectfully request the immediate removal of these accounts 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 2024-12-17 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: FL

Complaint narrative:
I am filing this complaint against XXXX, Equifax and XXXX for their failure to conduct a proper investigation and provide the required documents as required by law to properly verify the following inaccurate and misleading accounts their reporting on my credit report ; XXXX XXXX XXXX : Account/Reference Number : XXXX Debt Amount : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Debt Amount : {$1000.00XXXX XXXX XXXX XXXX XXXX : Account/Reference XXXX XXXX XXXX XXXX Amount : {$320.00} XXXX XXXX Systems : Account/Reference Number : XXXX Debt XXXX XXXX {$4100.00} XXXX XXXX XXXX Number : XXXX Debt Amount : {$220.00} Under the FCRA, XXXX, Equifax and XXXX is required to conduct a reasonable and independent investigation when a consumer disputes information XXXX their credit report. The court in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), emphasized that credit reporting agencies must go beyond mere reliance on information provided by data furnishers. This means Equifax, XXXX and XXXX must take affirmative steps to ensure the information is accurate and complete. 

To meet this obligation, XXXX, XXXX and Equifax must obtain original source documentation from each Collection Company Mentioned herein, including but not limited to : The original contract or agreement bearing my signature that allegedly created the debt. 

The debt purchase agreement or chain of assignment showing each XXXX XXXX mentioned herein legal right to collect on the debt their independently reporting. 

Without proper verification of these critical documents, the accounts can not be deemed accurate or verifiable. The case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), establishes that a failure to obtain this documentation renders the account unverifiable and requires its removal from the consumer 's credit report. Therefore, if XXXX, Equifax and XXXX can not obtain and review these documents as part of its investigation, the account must be deleted pursuant to the FCRA. 

XXXX, Equifax and XXXX must fulfill their statutory duty under 15 U.S.C. 1681i by conducting an independent investigation and ensuring that each XXXX XXXX mentioned herein provides proper verification of the alleged debt. Please provide me with a written response detailing the outcome of your investigation, along with copies of any documentation you relied on to verify the accuracy of these accounts. I expect a response within the time frame required by the FCRA. If XXXX, XXXX and Equifax can not provide such documentation, I respectfully request the immediate removal of these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I checked my credit report this morning, I was shocked to find unauthorized inquiries that I can not explain. Ive never seen these discrepancies before, and despite refreshing my browser to rule out a technical glitch, the issue remained. This situation is deeply upsetting, and I need you to carefully verify the documents I provided to resolve this problem immediately and ease my concerns.

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 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
On two occasions in the past 2 months Berkshire bank sent me an email saying my load payment did not go through and they charged me a late fee. I have had this loan for almost two years. I had to phone them and show them my bank statement showing it went through. Finally they removed the late fee but it likely still went on my credit report as a late payment. Again this happened this XXXX, they had a processing error on their end sent me an email indicating that my payment did not go through. I called and they admitted this had happened in the past. They would not clarify whether it happened again this month. They wanted me to share much personal information on the phone, which I refused. I gave them the loan number and asked them to check on it. They did not get back to me. They clearly have mistakes on their end and it is unfair to take up hours of my time calling and checking bank statements. I have not yet had a chance to check my credit report but I did get an emails saying a new item was on the report, likely from their error and related nonpayment. Please get them to stop making these and to remove any late payments from my credit report, as well as late charges.

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 2024-12-17 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: OH

Complaint narrative:
I have obtained a copy of my credit report and am writing to dispute the following information listed on my credit report with [ TRANSUNION, XXXX ] : Disputed Information : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This information is inaccurate because there re no records indicating I applied for any products nor proved for any products with any of these companies. 

Pursuant to 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and promptly correct any errors on my credit report. I have also filed a dispute regarding this information with the credit reporting agency.

Please provide me with a written confirmation of your investigation and any necessary corrections within [ 15 ] days. 

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 2024-12-17 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: MD

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-12-17 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: MD

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-12-17 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: MI

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX This vehicle has had a recall or service issue that has needed to be addressed nearly every month. The additional time and cost, both psychological and monetary, of handling these issues has not resulted in restitution. Additionally, this vehicle is unsafe to drive - there is an active recall, active for over a year, that can result in the voltage terminals melting. I am not able to earn income through this vehicle leasing it through platforms like XXXX, because the battery voltage issue makes the vehicle unsafe to drive. I have no choice but to use the vehicle, but as mentioned and acknowledged by XXXX, it is unsafe to drive. This vehicle was delivered nearly a year late from production date, and I have had numerous issues that have had to be repaired - door welding, warped columns, and audio buffer issues that have resulted in the vehicle making unsafe, disorienting sounds. The screen has turned off during driving making the operating of the vehicle dangerous and unpredictable. All the issues that the vehicle has needed to be serviced for, as well as related recalls, and operating bugs, can be provided by XXXX XXXX XXXX. The vehicle has only been serviced at XXXX facilities. The VIN is XXXX. This complaint is both to XXXX XXXX XXXX, for failure to deliver a completed vehicle, and to Chase Auto, for failing to delay the payment schedule based on vehicle inoperatability.

Company response to consumer: Closed with explanation