vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: OH

Complaint narrative:
Approximately 3 months ago I submitted a final payment to pay off my student loan balance. The payment was around XXXX. I submitted this payment to XXXX, the servicing company that took over XXXXXXXX XXXX XXXX. On my credit report, XXXX still shows that I have a loan balance of XXXX. This is incorrect and could impact my ability to get a loan in the future as it weighs into my debt to income ratio. I reached out to XXXX and they refused to do anything about it, stating that the loan could take years to fall off of my credit report. I am not asking for the loan to fall off of my report. I am asking that the balance be reported correctly.

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 2024-12-26 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: TX

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-26 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: TX

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-26 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: SC

Complaint narrative:
There are several discrepancies on the report that require correction. 
XXXX Report : * Duplicate Accounts : The report lists two XXXX XXXX credit cards. This is an error. There should only be one XXXX XXXX credit card listed on my report. 
* Inaccurate Account Status : The report lists the XXXX XXXX loan as both closed and open. Please correct this inconsistency.

* Charge-Off Status : All five accounts ( including the duplicate XXXX XXXX credit card ) are listed as charged off. While some of these accounts may be charged off, I have not received a 1099 form for any of them. Please investigate the accuracy of these charge-off statuses.

Transunion Report : * Number of Closed Accounts : The report lists five closed accounts. Please verify the accuracy of this number. 
* Charge-Off Status : All five accounts are listed as charged off. Similar to the XXXX report, I have not received a 1099 form for any of these accounts. Please investigate the accuracy of these charge-off statuses.

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 2024-12-26 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: SC

Complaint narrative:
There are several discrepancies on the report that require correction. 
XXXX Report : * Duplicate Accounts : The report lists two XXXX XXXX credit cards. This is an error. There should only be one XXXX XXXX credit card listed on my report. 
* Inaccurate Account Status : The report lists the XXXX XXXX loan as both closed and open. Please correct this inconsistency. 
* Charge-Off Status : All five accounts ( including the duplicate XXXX XXXX credit card ) are listed as charged off. While some of these accounts may be charged off, I have not received a 1099 form for any of them. Please investigate the accuracy of these charge-off statuses. 
XXXX Report : * Number of Closed Accounts : The report lists five closed accounts. Please verify the accuracy of this number.

* Charge-Off Status : All five accounts are listed as charged off. Similar to the XXXX report, I have not received a 1099 form for any of these accounts. Please investigate the accuracy of these charge-off statuses.

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 2024-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was in contact with chase banking on the XX/XX/XXXX with XXXX to make a scheduled payment on my account at XXXX to schedule a payment for XX/XX/XXXX. On XX/XX/XXXX the account had been closed without my notice and as I have answered and sent messages to their customer service team for assistance and have been refused and unanswered. I have called today ( XX/XX/XXXX ) with a pending payment with my XXXX XXXX XXXX of {$100.00} and can not access my chase account app to continue to make payments. I have made it known to multiple representatives that I am a student that had to prioritize education expenses of over {$10000.00} which was significantly more than the card to be paid off - they had brushed it off as I had made it clear on multiple phone calls that the card was not my biggest bill but also the smaller ones to be dealt with when my bigger bills were paid off. Between XXXX to XXXX I have been in communication with them and made it known to them that I am a student and have attempted to get different assistance options other than minimum payments to aid me in my situation and they have not offered such assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
In XXXX, we were forced to obtain a California FAIR plan insurance policy and wrap-around/difference in conditions policy for our home ( in XXXX XXXX CA XXXX ) through XXXX XXXX XXXX XXXX as we moved and had tenants rent the home. 

This fall, XXXX sent documentation and a bill for the policy to our mortgage lender - Freedom Mortgage. In XXXX, Freedom Mortgage paid this policy out of escrow for us. 

We received one letter from Freedom Mortgage circa XXXX XXXX in which Freedom Mortgage claimed they were having issues getting required information from XXXX and if they did not receive it, they would cancel our policy. One single notice in the mail. There is nothing in our online account 's documents page stating such.

On XX/XX/XXXX, my wife contacted XXXX, who reported Freedom Mortgage- who has been collecting escrow for the bill - did not pay them ( XXXX ), thus XXXX canceled the insurance policy. My wife then contacted Freedom Mortgage and spoke to a male representative who claimed that Freedom Mortgage has not paid difference in conditions policies via escrow since XXXX ( see above, false ). The representative also claimed multiple notices and phone calls to us had been made ; we received one notification, see above, and never received any phone calls. The representative could not provide records of such.

Why is Freedom Mortgage collecting escrow for bills it's not paying? Why did Freedom Mortgage not actually provide us notice like they claim they did? It's also convenient that Freedom Mortgage requires insurance on their mortgage policies, but then seemingly can't seem to pay them and constantly require us or our insurance agency contacting them to tell them how to do their job.

Our insurance agent has said to us on at least two occasions, that Freedom Mortgage has a reputation of being known to not pay bills. If this is the case, not to mention recent judgments against Freedom Morgage by CFPB, then why is Freedom Mortgage still allowed to conduct business in the US?

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Last year in XXXX, I had a business credit card with XXXX XXXX, that accumulated over {>= $1,000,000} points which was the equivalent to {$21000.00} in rewards. The bank confiscated all XXXX points and closed the account. After initiating an investigation XXXX reinstated my XXXX Million points and returned the {$21000.00} that was confiscated. Without any notice, and no outstanding debt owed to XXXX ( the account was current and had a {$0.00} balance ) XXXX reported a 60 day late payment to all credit bureau 's, which has severely impacted my credit. This is inaccurate reporting as there was never a late payment, no notices sent about any said late payment and they card was less than 6 months old and closed with a {$0.00} balance. 

I have spent numerous hours trying to speak to someone at XXXX XXXX  and no one is willing to give any information or their names or employee ID numbers. My credit went from XXXX to XXXX. 

Due to the inaccurate reporting of a late payment, and failure to provide any notice, I'm requesting the falsely made late payment mark be removed 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 explanation
Consumer complaint received 2024-12-26 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$14000.00} XXXX XXXX - XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$410.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Late Payment XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$1100.00} XXXX XXXX - XXXX - {$2700.00} XXXX XXXX XXXXXXXX - {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My account is a victim of fraud and funds taken out of my account. 

This started when a deposit was made in to my account for {$36000.00} on or about XX/XX/year>. I have tried multiple times to determine what type of deposit, ( online transfer, direct deposit, check, etc ) was made. Chase bank can not or will not tell me this information. 

Immediately funds were withdrawn from my account via coin base and other means. I called Chase and visited a branch to try to verify the funds were good and where they came from. I was told that the deposit was legitimate and valid. Some of the debits on this account were legitimate and made by me. 

The deposit was reversed on XX/XX/XXXX and left my account overdrawn in the amount of approximately {$13000.00}. I told the bankers both over the phone and in-person that this was fraud and I did not authorize this deposit, and that I tried numerous times to find out information about it. 

I was forced to open a new checking account with another bank. On XX/XX/XXXX, I was expecting a payroll direct deposit in my account in the amount of {$2100.00}. Chase told me that they did not receive this payment. On XX/XX/XXXX, the payroll deposit showed up in my account. 

I have been told multiple times over a week that the account will be or is being closed. I tried to withdraw the payroll deposit and told I could not. My employer was made aware of this and stated that they can not issue a reimbursement because the payroll deposit was not declined and accepted in to my account. 

I have made numerous calls and spoken to representatives of the bank and they were not or unwilling to help me resolve this situation, there is a hold and restrictions placed on this account. 

I need help getting my payroll deposit and any other funds associated with my name given back to me at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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