vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: MD

Complaint narrative:
I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.

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 2024-07-15 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: MD

Complaint narrative:
I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.

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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: KEYCORP
State: AK

Complaint narrative:
XX/XX/2024, XXXX Keybank called regarding a debt. In the message she also stated the time of XXXX. It is also on my call log for XXXX. They need to call at a more appropriate time. 

They also should call XXXX XXXX, who is managing my debt resettlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Spoke with SPS to receive mortgage modification for my 2nd mortgage modification was approved according to the conversation with customer service. I was told I would receive documents to sign and I would be sent documents overnight. Never received documents spoke with customer service and relationship manage gave bank information for them to draft the payment out of my account, they never took payment out of my account now my home is set for a foreclosure sale, I have done everything my mortgage servicer asked me to do during this modification process, please assist me. Sent request XX/XX/2024 to SPS and foreclosure attorney to validate debt, requested Note, Deed and all documents associated with this loan. It my research Tennessee Law says foreclosure sale is to be canceled until debt is validated upon request from me the homeowner. Documents are to be received by me. I did not receive Excelleration of debt notice from the mortgage servicer XXXX XXXX XXXX XXXX the foreclosure attorney. Resubmitted request for mortgage assistance again emailed documents to SPS. I am XXXX and dont want to lose my house to foreclosure. SPS has been difficult to work with, they are unwilling to assist me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Jefferson Capital System for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Jefferson Capital System failed to inform me of my right to dispute the debt and did not provide notice at least five days before furnishing information to my credit report. 

Today I checked my credit report and I discovered that Jefferson Capital System had furnished information regarding an alleged debt to my credit report. However, I was never notified of my right to dispute this debt, nor was I provided with any notice at least five days prior to the reporting, as required under the FDCPA. 

Under the FDCPA, debt collectors are required to provide written notice of the debt and inform consumers of their right to dispute the validity of the debt within 30 days. Additionally, they must send this notice within five days of their initial communication. Jefferson Capital System has clearly failed to meet these requirements, which constitutes a violation of my rights under the FDCPA. 

I am requesting that the CFPB take immediate action to investigate this matter and enforce compliance with the FDCPA. Specifically, I demand that the erroneous information furnished by Jefferson Capital System be deleted from my credit report promptly.

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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-15 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: NE

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: MD

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX 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 XXXX 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 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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have already reported this. I was scammed out of {$880.00}. American Express keeps closing and reopening the dispute. They responded to my previous CFPB complaint that it was mishandled and closed but then reopened it the exact same day. The scammer had provided merely an obviously falsified and absurd XXXX XXXX document that anyone could make. I have provided screen shots of everything I could, as well as clear descriptions of proof that their word document is false and that the shipping information was a lie. The product ( a XXXX XXXX XXXX XXXX XXXX ) was delivered to a locker NOT at my address weighing only XXXX. Their proof is a screen shot of XXXX maps with a pin in my address ( but also shows nearby businesses which clues into it being a XXXX maps screen shot that someone at American Express agreed on ). Their proof says it was shipped and delivered both at midnight on the same day ( which I have pointed out to American Express multiple times ). I have provided their email and phone number. I have submitted an IC3 report, a report with XXXX ( their site was taken down the exact same day it was delivered which I have also told American Express about ) I have submitted a previous CFPB report which was conveniently closed right before they reopened the dispute. At this point it is a detriment to health, the stress is ridiculous. I can not believe after nearly a decade with American Express, a business account, a savings account, and referring family, that this is honestly how they are treating this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was paying for a service I thought was legitimate. Because I didnt have all of the funds up front, I was paying it out in a payment plan. I didnt receive the service as it turned out to be a scam and I lost the {$1700.00} transactions I had made with chime. I filed a complaint of fraud/scam. I received an email receipt from chime saying they didnt see anything inappropriate with the transactions. I never received what I paid for and the merchant is no longer responding to me. That is fraud and I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I went to XXXX to purchase decorations for my graduation cap. Upon checking out, the young lady at the register asked me if I wanted to apply for XXXX card and if I was approved, the purchase would be free. That was the first mishap in their communication process because that purchase was not free, I just found out it was added to that credit card I got approved for. The young lady proceeded to tell me that I should receive my XXXX credit card in the mail within a week or XXXX. It is XX/XX/year> and the card was never sent to me. I received no credit card statement from XXXX. I received nothing at all. Today XX/XX/year>. I received an email saying my XXXX XXXX dropped XXXX points because of a late payment, I proceeded to see what that late payment was only to see that its XXXX reporting on my credit for nonpayment for something I didnt know about. I immediately called XXXX to see why theyre reporting on my credit for a late payment I was transferred to the dispute department where the lady advised me that I owed XXXX something dollars on that credit card, which include late fees. She removed the late fees and I had to pay {$54.00} to settle the account and I prompt them to close the account, Because they are very unprofessional in the way they carry out business. I need that incorrect information that they placed on my credit report to be removed because that was their fault. They sent no communication to me for me to be aware that there was a balance that needed to be paid, If that was a case it wouldve been paid a long time ago and I would not be in this predicament so I am asking for them to remove that inconsistency from my credit report. Because it is not fair for me to take the fall for something that was not done correctly on their end. They were so quick to report the account being 30 days late, but not quick enough to send me a statement or even the credit card that I shouldve received 3 months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 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: MoneyLion Inc.
State: CA

Complaint narrative:
I looked at my report and noticed things are incomplete and not accurate. according to the Fair Credit Report 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 these accounts ( XXXX XXXX XXXX ) ( Money Lion XXXX ) are not complete or accurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
The unfavorable rating on my account is a source of serious alarm. I'm gravely concerned about its impact on my creditworthiness. This negative mark has already resulted in the rejection of a recent loan application and higher interest rates on my existing credit accounts. The financial strain and emotional burden this adverse rating has imposed, and will continue to inflict until resolved, are substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Delete the accounts below

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 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Used Affirm card to purchase XXXX furniture ( which they suggested ). Furniture was on back order while credit card payments continued. Ultimately, furniture was damaged and returned. Reordered same furniture and was back order again and without my notification, the order was canceled. Now requesting refund from XXXX ( to the Affirm card ), but has been rejected twice now. 

So, I have paid XXXX  with the card and do not have a physical piece of furniture. Original purchase was in XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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 got my identity stolen in XXXX of XXXX I first realized when my wells fargo account password was changed and they XXXX themselves two transactions totaling {$700.00}. I filed a claim with wells fargo at that time and got the money back. a couple months later credit cards began arriving in the mail which i did not apply for. This has resulted in 5 total hard inquiries ( via experian ) on my credit report all of which are not from me and have negatively affected my credit. I would like these hard inquiries to be wiped and investigated for fraud/identity theft.

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 2024-07-15 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation