vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This spans back to complaint XXXX was filed back on XX/XX/year> where I contacted the first debt collector that XXXX XXXX obviously hired. The only response I received from this was that XXXX was investigating the dispute, and would notify me by my preferred method of contact once the dispute had been resolved. Well I never heard anything from XXXX instead I get that they sold the debt to another collector by the name of TrueAccord. I have not contacted them yet but will tomorrow XX/XX/year>. I am very frustrated this debt is not mine I did not purchase anything from XXXX XXXX. But now the debt has went from XXXX with account number ending in XXXX to the new amount sent to TrueAccord with the amount of XXXX with the account number now ending in XXXX the debt was purchased under an address that we have lived there in almost a year. And this statement only has that address listed on it XXXX XXXX XXXX XXXX XXXX XXXX. I am not paying for a debt that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-16 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: IL

Complaint narrative:
I checked my credit report this afternoon and was shocked at why unauthorized inquiries are appearing there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report this afternoon and was shocked at why unauthorized inquiries are appearing there.

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 2024-07-16 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Credit Report Information Dear Sir/Madam , I am writing to formally dispute the inaccuracies in my credit report regarding my account with XXXX XXXX  XXXX as reported by XXXX, Experian, and XXXX. The discrepancies in my credit report are causing significant concern, and I request your immediate assistance in correcting these errors. 

The specific details of the account in question are as follows : Account Number : XXXX : XXXX Experian : XXXX XXXX : XXXX The discrepancies are as follows : Date of Last Activity : XXXX : XX/XX/2024 Experian : XX/XX/2024 XXXX : XX/XX/2024 Payment Status : XXXX : Paid or paying as agreed Experian : Current, was past due 30 days XXXX : Pays account as agreed Account Type : XXXX : Revolving account Experian : Charge Card XXXX : Revolving Dispute Status : XXXX : Account not disputed Experian : Dispute resolved consumer disagrees XXXX : Account not disputed These inconsistencies are misleading and adversely affect my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), under Code 1681a, Rules of Construction, credit reporting agencies are required to ensure the accuracy and integrity of information reported. I request a thorough investigation and correction of these errors to ensure compliance with these regulations. Please update my credit report to reflect accurate and consistent information across all three credit reporting agencies. 

Enclosed, you will find copies of my credit reports from XXXX, Experian, and XXXX highlighting the discrepancies. I kindly request that you review these documents and provide a resolution at the earliest possible. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and notify me of the actions taken to rectify these discrepancies. Should you require any further information, feel free to contact me. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-07-16 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-07-16 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: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
As previously disputed this XXXX account is still providing inaccuracy to XXXX credit agency. I will attach a copy of XXXX past dispute response and also a copy of the credit report and whats currently reporting. The company states that the account was 30 days past due in XXXX ( rrefer to attachment ) but they are reporting that XXXX was 30 days past due on the credit report. The information is incorrect and they confirmed in their past statement that this is incorrect. The Account is also reported open and was closed on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the inaccurate information as possible.

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 2024-07-16 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:
I have sent out several complaints about XXXX XXXX XXXX who are engaged in unfair, deceptive or abusive acts or practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ). They have repeatedly destroyed my credit score by falsely reporting me late just to turn around and make corrections to their fraudulent billing. My credit score has taken a big hit because of this which means I can not get approved for anything based on my score and there needs to be a stop to this. XXXX, Equifax and XXXX should not allow this company to keep making these recurring violations. I received a notification XX/XX/year> from XXXX that my Equifax lost an additional XXXX points because XXXX XXXX XXXX  has reported me 60 days late in the amount of {$1000.00} which is inaccurate, when they STOLE my car because it was not in repossession status. I haven't had the car, and they are still reporting me late on my credit report and have removed my account from the customer 's portal to even make any future payments. They're in complete violation of the FCRA by reporting inaccurate information on my report. My credit score is truly damaged because of them and after they made their corrections in the past, I still have not received the points that I lost due to their unfair deceptive and abusive acts and practices. This company would take your car note payment and apply part of it to the XXXX and then report you late for the entire car note plus late fees which they in fact owe me. XXXX XXXX XXXX continues to report inaccurate information with knowledge of errors. They reported me 30 days late XX/XX/year>, made corrections XX/XX/year>, then I noticed they removed my account from the online portal XX/XX/year> and " repossessed '' my car between XXXX XXXX. My car is not in repossession status. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

15 U.S.C. 1681s-2 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
I have sent out several complaints about XXXX XXXX XXXX  who are engaged in unfair, deceptive or abusive acts or practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ). They have repeatedly destroyed my credit score by falsely reporting me late just to turn around and make corrections to their fraudulent billing. My credit score has taken a big hit because of this which means I can not get approved for anything based on my score and there needs to be a stop to this. Experian, XXXX and XXXX should not allow this company to keep making these recurring violations. I received a notification XX/XX/year> from XXXX that my XXXX lost an additional XXXX points because XXXX XXXX XXXX  has reported me 60 days late in the amount of {$1000.00} which is inaccurate, when they STOLE my car because it was not in repossession status. I haven't had the car, and they are still reporting me late on my credit report and have removed my account from the customer 's portal to even make any future payments. They're in complete violation of the FCRA by reporting inaccurate information on my report. My credit score is truly damaged because of them and after they made their corrections in the past, I still have not received the points that I lost due to their unfair deceptive and abusive acts and practices. This company would take your car note payment and apply part of it to the XXXX and then report you late for the entire car note plus late fees which they in fact owe me. XXXX XXXX XXXX continues to report inaccurate information with knowledge of errors. They reported me 30 days late XX/XX/year>, made corrections XX/XX/year>, then I noticed they removed my account from the online portal XX/XX/year> and " repossessed '' my car between XXXX XXXX. My car is not in repossession status. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

15 U.S.C. 1681s-2 ( a ) ( 2 ).

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 2024-07-16 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate : XXXX XXXX Acct number : 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 2024-07-16 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: TX

Complaint narrative:
I checked my credit report and it's showing some inaccurate accounts that I have no idea about. Please check the documents I've sent as it's regarding this important 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
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a customer of Bank of America for almost 20 years. Today they closed all my business bank accounts checking and savings, personal bank accounts checking and savings, and all credit cards. I was not sent any warning or notification. I found out when I tried to use my card and then called into the bank. They only said the accounts are closed. I went into the bank in person and same result. They only said the accounts are closed, no other information about why or what the shut down procedure is. What about our HELOC. This is outrageous treatment of a law abiding customer.

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 2024-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am respectfully seeking your protection against the XXXX XXXX XXXX violating my banking rights, in disregard for the XXXX. guidelines. Thus, XXXX XXXX XXXX  discriminates against a senior citizen, like I, because I do not possess a mobile devise but am using a desk phone without a built-in camera. 
On XX/XX/year>, XXXX XXXX XXXX has opened my savings accounts and accepted my deposits. After getting hold of my funds, they decided to verify my identity by requesting that Id scan my state driver license with my mobile device. Since I do not possess a mobile device, I have explained this fact verbally and in writing to the Office of their CEO. But, as of today, my complaints remain ignored and unsolved. 
Furthermore, instead of offering me an alternate method for identity verification, the XXXX XXXX XXXX has abusively XXXX my Sign-In to the online account. Thus, I'm unable to access my deposits online. 
Moreover, such violation of my banking rights the XXXX XXXX XXXX is disguised as a simple glitch. Thus, for the last XXXX months, every single time I am trying to Sign-In to my online account, I keep getting the same deceitful message : " Looks like something went wrong, try again ''. 
I hope you could order the XXXX XXXX XXXX  to immediately enable my online Sign-in, so I could access my deposits at their XXXX XXXX XXXX 
Thanking you for your kind attention to this matter, I remain yours, Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MA

Complaint narrative:
I am seeking your support concerning this incorrect account reported on my credit report. This has negatively impacted my reputation, and I need 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 2024-07-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX. XXXXXX/XX/XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XX/XX/XXXXXXXX XXXX, XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXXXX/XX/XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX, XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Complaint Details : XXXX. Flood Insurance Policy Purchase : On XX/XX/XXXX, Chase Bank purchased a flood insurance policy that is double the cost of my homeowner policy, covering my home for {$150000.00}, which is less than the previously insured {$170000.00} and Chase 's own appraisal value of {$170000.00}. This action was taken almost XXXX weeks after I communicated my concerns via email, which Chase ignored. 

XXXX. Escrow Mismanagement : Chase Bank has been playing escrow games with me since taking over my mortgage, leading to increased costs and financial stress. Despite providing documentation and timely communication, Chase failed to act on my requests and transferred the policy without proper notice. 

XXXX. Breach of Fiduciary Duty : By not reinstating my original policy and forcing me into a more expensive, less beneficial policy, Chase has breached its fiduciary duty. This includes refusing to obtain the policy page from the insurer to make payment, despite my immediate response to their notice. 

XXXX. Lack of Communication and Transparency : Communication ceased after my request to reinstate the original policy. Chase failed to inform me of their actions, resulting in unexpected changes to my account and increased monthly payments from under {$850.00} to over {$1000.00}. 

XXXX. Financial Hardship : I have communicated my extreme financial hardship to Chase on multiple occasions. However, Chase has continued to increase my financial burden, pushing me further into insolvency instead of providing assistance. My mortgage payment increases have caused significant distress, particularly while dealing with personal family matters, including the death of my brother and the care of my fragile parents. 

XXXX. Negligence and Potential Racketeering : The process Chase has followed reeks of racketeering against borrowers. Expecting me to handle communication and get back to them rather than contacting my existing flood insurance directly defeats the purpose of escrow. It seems Chase may have a partnership with the flood insurance company they switched me to without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested the removal of these unauthorized inquiries from my credit report but I am still seeing those right now. Please check the documents I've sent regarding this.

Company response to consumer: Closed with non-monetary relief