vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: AL

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

Transunion 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 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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OK

Complaint narrative:
I have a checking and a high yield savings ( HYS ) account with credit karma ( operated through XXXX XXXX ). They notified me my password changed on XX/XX/year>. I told them that it wasn't me. On XX/XX/year> I was notified my phone number changed. I told them that it wasnt me. I changed the information back to mine while I called Credit Karma. I was on the phone with them for 1 hour and 41 minutes ( mostly on hold ). I told credit karma while I was on the phone that I need to lock the account ( prior to any fraudulent charges ). They said they were unable to do so and kept transferring me to another special team. During that time, money was being transferred from my HYS account to my checking account and withdrawn via a virtual debit card that the thief had somehow created ( I have never requested a virtual debit card ). At the initial notification of money being transferred between my accounts, I re-transferred it back to my HYS account. The thief continued to transfer the money from HYS to Spend and I from Spend to HYS until he/she beat me to it because I was busy getting authenticated with customer service. I lost {$12000.00} while on the phone trying to lock the account. The thief pulled the {$12000.00} out of my account in six separate transactions ( {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, {$2800.00} XXXX, {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} ATM withdrawal, {$2900.00} XXXX, {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX ). It took approximately 1 hour and 11 minutes for them to finally lock the accounts. After which, I was transferred to the dispute department and they filed the six transactions as disputes. I then asked to move my money to a safer bank account and they said they were unable to do so. They said I will have to wait 90 days and to be watching out for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-09-09 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Better Mortgage, Inc.
State: IN

Complaint narrative:
Before closing on my deal, I was offered an incentive that allowed me to refinance my house for free within a XXXX period. Unfortunately, after closing, my loan was sold to a different lender. Now better mortgage are in denial of this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2024-09-09 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: CA

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 seven 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
Consumer complaint received 2024-09-09 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>, XX/XX/year> for XXXX XXXX XXXX ; XX/XX/year> and XX/XX/year> for XXXX  XXXX  XXXX ; and XX/XX/year> for XXXX XXXX XXXX. I have attached a copy of the identity theft police report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>, XX/XX/year> for XXXX XXXX XXXX ; XX/XX/year> and XX/XX/year> for The Tennessee XXXX ; and XX/XX/year> for Citibank Best Buy. I have attached a copy of the identity theft police report to this complaint.

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 2024-09-09 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: CA

Complaint narrative:
As I was checking out my credit profile I came across some inquiries that didn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to address a problem with my credit scores, and the credit report agencies that report those scores. the biggest problem is my FICO. 
Transunion, XXXX, and XXXX FICO scores are also affected.

Believed Negative Credit Profiling I understand that credit scores can vary widely by company and race. This is factual. 
For example, in XXXX, the average FICO score for XXXX in XXXX  communities was XXXX, compared to XXXX for XXXX communities and XXXX for XXXX communities. 
CREDIT CARD DEBT BY RACE XXXX % carries a balance among cardholders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX While I carry less than XXXX % of {$50000.00} PLUS- in credit card availability, with an XXXX XXXX XXXX XXXX XXXX card at my disposal in my company name, and documented on-time payments for SEVERAL YEARS, the credit agencies ( FICO BEING THE MAIN ) have my credit score remaining in the mid to upper XXXX. 
This I suspect is negative credit profiling based on my race. 
If I spend less than $ XXXX of my available XXXX in credit card availability, with an income of over $ XXXX per year, why are my numbers held so low? Most debt except for my automobiles is paid in full at the end of each month, similar to a net XXXX account. When my numbers rise, at best they rise marginally.

THE BOTTOM LINE Average credit scores in the U.S. differ by race, age, and other factors. At least part of that concerns the factors that go into computing credit scores and how those factors are weighted, which tend to benefit some groups more than others. It appears that my credit score is suffering because of one or more of those factors! 
Attached are snapshots of my statement/payment profiles for various open accounts. 
I ask that the CFPB investigate this matter to maintain fair credit reporting. 
Thank you in advance. 
Sincerely, 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 explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to address a problem with my credit scores, and the credit report agencies that report those scores. the biggest problem is my FICO. 
XXXX, Experian, and XXXX FICO scores are also affected.

Believed Negative Credit Profiling I understand that credit scores can vary widely by company and race. This is factual. 
For example, in XXXX  the average FICO score for XXXX in XXXX communities was XXXX, compared to XXXX for white communities and XXXX for XXXX communities. 
CREDIT CARD DEBT BY RACE XXXX % carries a balance among cardholders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLUS- in credit card availability, with an XXXX XXXXXXXX XXXX XXXX XXXX card at my disposal in my company name, and documented on-time payments for SEVERAL YEARS, the credit agencies ( FICO BEING THE MAIN ) have my credit score remaining in the mid to upper XXXX. 
This I suspect is negative credit profiling based on my race. 
If I spend less than $ XXXX of my available XXXX in credit card availability, with an income of over $ XXXX per year, why are my numbers held so low? Most debt except for my automobiles is paid in full at the end of each month, similar to a XXXX XXXX  account. When my numbers rise, at best they rise marginally. 
THE BOTTOM LINE Average credit scores in the U.S. differ by race, age, and other factors. At least part of that concerns the factors that go into computing credit scores and how those factors are weighted, which tend to benefit some groups more than others. It appears that my credit score is suffering because of one or more of those factors! 
Attached are snapshots of my statement/payment profiles for various open accounts. 
I ask that the CFPB investigate this matter to maintain fair credit reporting. 
Thank you in advance. 
Sincerely, 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 explanation
Consumer complaint received 2024-09-09 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: KY

Complaint narrative:
ACCOUNT : XXXX XXXX XXXX XXXX 

THIS ACCOUNT WAS A CHARGED OFF NA DTHEY SALE THIS DEBT TO A DEBT COLLECTOR, AS LAWS REQUIERES THEY HAS TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT BECAUSE WAS SALED TO ANOTHER LENDER, THEY KEEP IT, THIS IS A VIOLATION OF 15 USC 1681i-5. THIS DEBT WAS PAID IN FULL HERE I WILL ATTACHED A REAFIRMATION LETTER FROM LENDER

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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: MI

Complaint narrative:
Received debt collection letter from Media Collections Inc. 
XXXX Joseph , Mann & Creed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX Claiming I owe XXXX XXXX {$2400.00}. The issue is that I have no current agreement, contract or policy in place with XXXX. They have effectively sent an " invoice '' without representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: PA

Complaint narrative:
I was absolutely stunned when I discovered incorrect accounts on my credit report this evening, and I cant figure out why theyre there. I check my report regularly, and this time I was shocked to see errors that appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but the errors remained. Im asking that the documents I submitted be thoroughly reviewed so I can have peace of mind and not worry about this happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Dear Consumer Financial Bureau, I am writing to formally report an unjust deactivation of my Venmo account. Venmo has cited that the reason for my account deactivation is due to the number of disputes I have filed. However, I find this reasoning flawed, as each dispute I filed followed the proper process and required submission of valid documentation. Furthermore, these disputes were reviewed by Venmo 's Account Specialist team, as per their established protocol. 

Filing disputes is not a violation of Venmos User Agreement or its Payment Protection Program. The process requires valid documentation and a thorough investigation, and disputes lacking sufficient evidence are denied. I am confused as to how simply exercising my right to file legitimate disputesespecially when buyer issues are often unavoidablecan be considered a violation.

The merchant I had ongoing issues with continued to cause problems over several months, and it would be unreasonable to expect me to ignore these legitimate issues. Venmos actions seem to imply that I should have let these issues persist, and now they have deactivated my account as a result. I believe this decision was made by their automated systems without considering the context or the validity of the disputes I filed. 

I would appreciate your assistance in having my account reinstated, as I believe this deactivation is not only unjust but goes against Venmos own policies regarding disputes and buyer protection. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
We had a XXXX XXXX, credit card we used because we were offered XXXX for XXXX, and XXXX  % off.we used it for a purchase of an appliance.then me and my husband paid it off and then we closed it and how other purchases were fraudulently, made is beyond us? we have called sent this company a police report as well as the credit card and the collection agency, repeatedly reporting this as a negative on my bureau.i have always paid my bills on time never have I been late on anything.you are more then willing to look at my credit bureaus we have XXXX mortgages just please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
I am not associated with the listed creditors, and I did not initiate these inquiries.

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