vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-09-16 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX {$770.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX  XXXX XXXX  date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX  XXXX  Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-16 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXXXXXX {$770.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-16 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXX confirming the technical issue that led to the delay in processing.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-09-16 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: MA

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 2024-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime financial inc refuses to give me my money back!!! Im filing arbitration immediately!!!! They need to actually investigate!! I uploaded police report and evidence that the merchant responded saying there was an error!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: AZ

Complaint narrative:
These 29 accounts and 9 inquiries that are reporting negatively on my TRANSUNION credit report ( PLEASE SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )

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 2024-09-16 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this. They are several inquiries on my report that are inaccurate. For I did not apply for any credit from those reporting companies. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: LA

Complaint narrative:
I am a consumer as defined under the Fair Credit Reporting Act ( " FCRA '' ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). 
The companies violated my rights. 
XXXXXXXX XXXX - XXXX # XXXX XXXX XXXX -ACC # 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

I discovered that TransUnion, XXXX, XXXX, and XXXX has reported an account in collections on my consumer credit report. This account is inaccurately reflected and constitutes a violation of my rights under federal law. 

Violations of Federal Law : TransUnion is in violation of 15 U.S. Code 1681c ( a ) ( 2 ) ( A ), which states that the inclusion of adverse items of information more than seven years old in a consumer report is prohibited. The collection in question has exceeded this statutory limit.

Additionally, under 15 U.S. Code 1666 ( b ) ( a ), which governs billing errors, it is required that creditors and their reporting agents, such as credit bureaus, properly handle disputes regarding erroneous charges and ensure accurate reflection of account statuses. TransUnion, XXXX, and XXXX, failed to comply with this requirement. 
Furthermore, 15 U.S. Code 1692c ( c ) prohibits continued reporting or communication regarding a disputed debt without proper verification. The collection account was reported without proper validation of the debt. 

I hereby demand that TransUnion, XXXX, and XXXX immediately remove the illegal collection accounts from my consumer credit report in full compliance with the aforementioned legal statutes. 
I further request a written statement confirming the removal of this erroneous collection from my credit report and an updated credit report reflecting the corrected information. 
Failure to remove this account will result in further legal action to protect my rights under the FCRA and FDCPA.

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 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I wanted to try to pay {$100.00} towards the principal balance on my mortgage in addition to my monthly amount to experiment with the online principal paydown feature on the Newrez website. Unfortunately, this {$100.00} extra paydown triggered a complete month 's pre-payment of several thousand dollars ON TOP of the auto-scheduled, monthly mortgage payment that runs every month. 

When I saw two large withdrawals from my checking account on XXXX, I called Newrez to explain the issue and reverse the large withdrawal. Customer service could not support me and said to do it online. I called back to loan servicing and asked for a supervisor who then transferred me to debt servicing. Then, with XXXX XXXX on XXXX, I was promised that this XXXX would be reversed quickly in XXXX business days. A week went by and I called back on XX/XX/XXXX, XXXX XXXX from loan servicing said that a check was being processed and that it would be going in the mail soon. This isn't what a customer expected to hear. XXXX XXXX said that she would cancel the check and submit a request to another department to refund the extra payment to my checking account via direct ACH transfer the next day. I wait until Friday, XX/XX/XXXX and call back. XXXX XXXX could see the record of my asks in the debt servicing department and unfortunately, said that there was an input to have a check cut and mailed from XX/XX/XXXX. I expressed my concern about having other bills to pay and overdraft fees to avoid due to this Newrez mess. She said that she had escalated this to her supervisor even after I asked to be transferred online to the accounts payable team. I did not trust Newrez to do it without walking them through the electronic ACH reversal to my account while I was on the phone. Too bad this was not possible at Newrez. I was told to wait until Monday morning when the accounts payable team would receive the notice and execute the transfer. They have missed the deadline. I'm pulling funds out of emergency savings to get through the month. They need better customer support if they want to be a respected lender.

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 2024-09-16 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/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.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: MD

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

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 2024-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
PLEASE BE ADVISED ; I ACCEPTED THIS LOAN FROM PROSPER IN THE AMOUNT OF {$18000.00} AND ACCEPTED ALL TERMS WHICH INCLUDED A MONTHLY PAYMENT OF {$590.00} TO BE DEDUCTED FROM MY TD BANK ACCOUNT FOR 36 MONTHS VIA THEIR AUTO PAY OPTION. I SUCCESSFULLY MADE EVERY PAYMENT FOR THE ENTIRE 36 MONTHS IN FULL! SO CLEARLY I DID NOT MISS A PAYMENT. APPARENTLY PROSPER ADDED AN ADDITIONAL {$110.00} FOR AN ACCRUED INTEREST AMOUNT TO THIS LOAN WHICH THEY NEGLECTED TO DEDUCT VIA AUTO PAY JUST LIKE THEY DID FOR THE 36 PAYMENTS. THEY ALSO NEGLECTED TO SEND ME ANY NOTICE ABOUT THIS ADDITIONAL AMOUNT OF {$110.00} AS THEY ARE A PAPERLESS COMPANY. THEY ALLEGE CALLING ME 1 TIME BUT COULD NOT DISCUSS ANY DETAILS ABOUT THE CALL WHICH COULDVE BEEN A SOLICITATION FOR A NEW LOAN. PROSPER THEN REPORTS TO MY CREDIT BUREAU THAT I MISSED A PAYMENT WHICH IS A LIE! I MADE EVERY ONE OF THE 36 PAYMENTS FOR THIS LOAN. I PAID THE ADDITIONAL FEE AND FEEL THIS WAS A MISUNDERSTANDING AND NO FAULT OF MINE SO THE MISSED OR LATE REPORTING SHOULD BE REMOVED.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
My paycheck was deposited and now they are saying it is locked for suspicious activity. I told them several times that there is no suspicious activity it was me trying to access my account and they refused to unlock my account or give me specifics on the suspicious activity they are seeing.

Company response to consumer: Closed with explanation