vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance 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 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Hello, I am an XXXX XXXX XXXX XXXX member stationed in Louisiana. I contacted my mortgage company PHH Mortgage on XX/XX/year>. I sent them a letter through email explaining that I am an XXXX XXXX XXXX  member stationed in Louisiana and based on Louisiana XXXX  I should qualify for the Service Member Civil Release Act ( SCRA ) to lower my interest rate. I was denied this request. The representative told me The SCRA only applies to loans taken before enlistment. I explained that in Louisiana it can apply after as well. I have attached the letter sent to them and the response received. The Louisiana statue clearly states I can receive this benefit. The answer was still no. Can you assist with this? 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2024-11-27 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: Self Financial Inc.
State: NY

Complaint narrative:
I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. The Variance in reported balances, Date Opened, Account rating, Last Payment Date, Payment Status and Account Status across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) XXXX report : XXXX XXXX XXXX XXXX Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Credit Limit : {$100.00}, Account rating : Closed, Last Payment : XX/XX/XXXX XXXX report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$100.00}, Account rating : Paid, XXXX report : XXXX XXXX XXXX  XXXX Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : {$0.00}, Credit Limit : {$100.00}, Account rating : XXXX XXXX Last Payment : XX/XX/XXXX This account was Paid and Closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid/Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure XXXX accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a XXXX copy of my credit report mailed to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-27 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: WI

Complaint narrative:
My credit report indicates a line of credit was opened by XXXX XXXX on XX/XX/XXXX. There have been credits collected and paid from XX/XX/XXXX through XX/XX/XXXX, while I was making payments toward my debt out of a separate account. Once I instructed transfer of the credits to pay my debt, the transfers ceased to be completed. 
On XX/XX/XXXX I sent a certified letter requesting the confirmation statement for the security from my credit transaction. The registration statement should list the name of the registered owner. I suspect this is the person or company who has been receiving the benefits from my credit transaction. The registration of my financial asset to another would have been done without my knowledge or consent. I have not received the benefit of any credits from XXXX XXXX since the account was opened, and I have been unable to confirm with XXXX XXXX who they have been sending my credits to. 
On XX/XX/XXXX, I called customer service to try and file a complaint. My request was denied.

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 2024-11-27 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 2024-11-27 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: DE

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach and identity theft, the following unauthorized accounts and inquiries have been added to my credit report without my consent. 
Accounts to Be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$330.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$630.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$560.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. INSURANCE SELFREPORTED Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Inquiries to Be Blocked and Deleted : XXXX. SCREENING REPORTS XXXX Date : XX/XX/XXXX XXXX. COMENITYCAPITAL/IKEAVC Date : XX/XX/XXXX XXXX. CBNA Date : XX/XX/XXXX XXXX. REGIONALAC Date : XX/XX/XXXX XXXX. XXXX NIS Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXate : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX. RXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX P Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXate : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Was apply for a work from job XXXX XXXX on XXXX turn out to be a scam. This company sent me a Check for XXXX on XX/XX/year> to purchased software for the equipment which I never received. XXXX the check through my bank Truist on XX/XX/year>. The job ask me use my XXXX I said no or go to XXXX get gift cards to purchase the software went XXXX purchased the card. The next day my bank account was in the negative balance of {$1.00} XXXX try chatting back with the job they ask for a screenshot then stop communicating with me call the bank to report the problem they filed a claim then they denied the claim holding me responsible.

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 2024-11-27 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 credit report wrongly indicates late payments, which conflict with my typical history. Please address this issue.

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 2024-11-27 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: CA

Complaint narrative:
I was stunned to discover inaccurate accounts on my credit report this morning, and I have no explanation for how they got there. I check my report regularly, and this is the first time Ive seen such discrepancies. Even after refreshing my browser, hoping it was a glitch, the accounts remained. Im pleading for a detailed review of the documents Ive submitted so that this issue can be resolved permanently.

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 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
My loan agreement states I bought add ons which I didn't know of. It also has extremely high interest rate. I feel like I keep paying and I'm getting no where. They never give me a real pay off amount on my statement they say you can ask for a pay off amount at any time and my monthly statement does not tell me where my payment is being applied to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Complaint Regarding Auto Loan Handling, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX Dear Consumer Financial Protection Bureau, Hello, I'm submitting a complaint regarding the financing process for my XXXX XXXX XXXX XXXX Specifically, I am concerned about the lack of disclosure regarding gap insurance, which has left me in significant financial hardship after my vehicle was deemed a total loss by XXXX XXXX. 

Details of the Situation In XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX, which connected me with Chase Bank for the auto loan. Throughout the loan approval process, I was not informed of the availability or importance of gap insurance. 
On XX/XX/XXXX, my car was vandalized. The damages included deep scratches on the hood and side panels and red water-based paint poured over the vehicle. I submitted an insurance claim to XXXX XXXX immediately after the incident. 
The car was inspected at XXXX XXXX XXXX, where the initial repair estimate was {$7500.00}. However, further assessments revealed repair costs nearing {$34000.00} leading XXXX XXXX to deem the vehicle a total loss. 
XXXX XXXX determined that the value of the car was {$42000.00} and provided a settlement for that amount. However, this left an {$7600.00} gap between the insurance payout. I was left with no car and {$7600.00} still owed to Chase Bank, which I had to pay out of pocket. 
Steps I Have Taken to Resolve the Issue I informed XXXX XXXX and the claims XXXX that I wanted the car reassembled instead of totaled, but they refused, citing safety concerns. 
I contacted Chase Bank to discuss the situation and explore potential relief options for the remaining loan balance, but no assistance was offered. 
I reviewed all loan and financing documents but found no mention of gap insurance or any explanation of its importance during the approval process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
Inquiry Date XX/XX/XXXX - XXXX XXXX  unauthorized by XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  - unauthorized by XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX unauthorized by XXXX XXXX XXXX Inquiry date XXXX XXXX / XX/XX/XXXX - unauthorized by XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX by XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX By XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX - unauthorized by XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX unauthorized by XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX, XXXX - unauthorized by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
Inquiry Date XX/XX/XXXX - XXXXXXXX XXXX- unauthorized by XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  - unauthorized by XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX unauthorized by XXXX XXXX XXXX Inquiry date XXXX XXXX / XX/XX/XXXX - unauthorized by XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX - unauthorized by XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX -unauthorized By XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX - unauthorized by XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX unauthorized by XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX, XXXX - unauthorized by 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 2024-11-27 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:
My report shows late payments that contradict my usual payment patterns. Please resolve these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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