vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX # XXXX {$50.00} XXXX XXXX  # XXXX {$8500.00} XXXX XXXX XXXX  XXXX {$8500.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXXXXXX {$520.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2025-02-03 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: VA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

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 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MEMBER FIRST MORTGAGE, LLC
State: GA

Complaint narrative:
After my loan assumption was complete, I called in the beginning of XX/XX/XXXX and spoke with someone at members first mortgage and let them know my XXXX insurance policy was not going to be renewed and to not pay it anymore that I would have a new provider before my policy expiration on XX/XX/XXXX. When I called mid XXXX to give the new provider information, I spoke with someone named XXXX in the escrow department who informed me the third-party payment processor that you all use for insurance payments already gave a {$4100.00} check to XXXX. He also let me know how many mistakes are made, how cancellation notices and non renewal notices are missed and how payments are made months in advance. XXXX confirmed a non-renewal notice with sent out to the mortgage company and they confirmed it was received in XX/XX/XXXX. 
When I call XXXX about returning the check they tell me they dont have a payment but when they have it because there is no longer an active policy, they are going to issue the check back to my XXXX because he was the primary policyholder. 
I have called and emailed for weeks. I talked to XXXX XXXXXXXX XXXX ago and never heard anything back from her.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Withheld Payments and Account Termination To Whom It May Concern, We, at XXXX XXXX XXXX XXXX, are a XXXX XXXX XXXX XXXX serving the XXXX XXXX community. On XX/XX/year>, we enrolled in Chase Bank Merchant Services to process credit card payments. We began using the service on XX/XX/year>, and conducted transactions totaling {$67000.00}. 
However, we have identified that XXXX payment batches have not been deposited into our account : XX/XX/year> : {$11000.00} XX/XX/year> : {$1400.00} XX/XX/year> : {$10000.00} This amounts to a total of {$23000.00} that has not been deposited into our account. 
On XX/XX/year>, at XXXX XXXX, we received an email notifying us of the termination of our merchant account. The email stated that Chase would withhold sales transaction proceeds starting from the date of the notice. However, when I contacted Chase Merchant Services, I was informed that an investigation was initiated on XX/XX/year>, and that any payments after this date would be held for XXXX XXXX. I was also told that the reason for this hold could not be disclosed. 
This abusive withholding of funds is detrimental to our ability to continue providing necessary XXXX XXXX to our XXXX, as well as meeting our obligations to our vendors. 
On XX/XX/year>, I reached out to Chase Merchant Services once again. I explained that their earlier statement was misleading, as one of the withheld payment batches occurred prior to XX/XX/year>. I was then told that any payment not deposited into our account would be held. 
We also discovered that Chase failed to email us a signed copy of the merchant agreement and when we tried to upload from XXXX email confirmation, we receive an error message that information not available. 

Below are the details of our Chase Merchant account : Account Number : XXXX Case Number : XXXX Amount on Hold for XXXX XXXX : {$23000.00} A copy of the termination email is also attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
I believe that the credit reporting practices involving my personal information may have violated the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the collection and dissemination of consumer credit information. As per the provisions of the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6802, I did not authorize the release, sharing, or use of my financial information by your institution or any affiliated entities. Under 15 U.S.C. 1681b, you are prohibited from obtaining and furnishing my personal credit information without my express written consent. I hereby affirm that I have never provided written consent for any party, including your agency, to obtain, access, or furnish my credit information. Delete any erroneous or unverified entries in my credit file that are a result of non-compliance with the requirements under 15 U.S.C. 1681b.

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 2025-02-03 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: NC

Complaint narrative:
I called XXXX XXXX XXXX regarding when my account would be reported late to the XXXX they told me if I didn't make my payment by XXXX of XXXX by XXXX it would report as XXXX XXXX late. 

However I check my credit it was already reported late on my credit I wasn't able to refinance my car due too XXXX XXXX incorrect information showing on my credit report which XXXX didn't adherence to FCRA by report inaccurate information to the XXXX THAT cause a decline for reporting negative information

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 2025-02-03 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : 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 explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/year> I noticed an unapproved inquiry on my credit report. XXXX has run my credit without my permission. I called the company to try to get this resolved. The company then asked for personal information I did not feel comfortable giving because of the issue I am going through now. My FTC report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AZ

Complaint narrative:
Complaint Against Bank of America Withholding Funds After Account Closure I have been a Bank of America customer for XXXX XXXX, receiving my direct deposit from work and using this account to pay rent, food, and essential living expenses. I have never engaged in any illegal or suspicious activity. 

Timeline of Events : XX/XX/year> : My debit card was suddenly declined with no warning. 
I called Bank of America, and they informed me that my account was being closed with no explanation. 
They initially said I would receive a check for my {$600.00} balance in XXXX, which is completely unreasonable. 
After I protested, they said I would receive my money in XXXX XXXX XXXX instead. 
They also agreed to let me go into a branch to withdraw my cash. 
XX/XX/XXXX XX/XX/year> : I have called Bank of America every single day since XX/XX/XXXX. 
Every time, I was told my money would be available soon, but no clear explanation was given for the delay. 
XX/XX/year> : The initial XXXX timeframe has passed, and now they are saying it will take another XXXX XXXX XXXX 
Despite their agreement, I have not been able to withdraw my funds at a branch as promised. 
Impact of This Delay : I have no money for food or gas to get to work. 
My rent is due, and I am at risk of XXXX because my funds are being wrongfully withheld. 
Bank of America keeps moving the goalpost, preventing me from accessing my own money and causing extreme financial hardship. 
Resolution Requested : Immediate release of my {$600.00} balanceeither by check, electronic transfer, or withdrawal at a branch as originally agreed. 
A formal written explanation of why my account was closed and why they are withholding my funds. 
Accountability for misleading me about the timeline and failing to honor their promise to allow a branch withdrawal. 
Bank of Americas actions are causing severe financial distress, and I request urgent intervention from the CFPB to ensure they release my money without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
They do not consider my request or evidence even when Ive been cleared once, how many times do I have to keep going through this its becoming insanity and for this ( {$110.00} ) random amount appeared on my credit report not knowing what this is referring to as I have already a XXXX account and have been talking with the executive board members and one of them apologized gave a letter after giving my support for investigating this matter as I keep frequently random accounts opening or new addresses being made, etc yet Im still not getting the help I need and asked for dozens of times. Im being led down a path where its affecting me tremendously and causing a a distraction from work, school and getting a better position. I would like to prosecute the credit bureaus and any not legitimate accounts that continues to keep reporting negatively about me on my credit report especially when its not mine. I should not have to be going through this and keep providing evidence again, again and again. I disputed this when it came to my attention roughly XX/XX/XXXX, and again in XXXX. Ive had missing mail, opened mail, stolen SSN and IDs bank accounts and cards, XXXX countless of times because of my XXXX not abiding XXXX request on fixing my garage. All paper notifications I get I keep and will use this information to help determine whos at fault and seek reputable damages and any compensations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-03 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-03 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: MO

Complaint narrative:
I have not supplied proof under XX/XX/XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-03 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: MO

Complaint narrative:
I have not supplied proof under XX/XX/XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief