vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2024-08-28 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: IL

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: WI

Complaint narrative:
I applied for a solar panel loan through a company called XXXX XXXX. They use a finance company called Solar Mosaic LLC and an installing company called XXXX XXXX. The loan I thought was never to be opened until the end of the project. Turns out a partial payment was included in the contract that I must have missed. There was {$17000.00} released to the installing company. The loan is now open and on mine and my daughter 's ( XXXX XXXX XXXX ) credit reports. We were supposed to get a loan certificate according to what I have recently read that we never got stating amount of this loan and when it started. We only found out about this released loan when we did an annual credit check. We have spoken to XXXX XXXX and they state they can not close the lone until I pay for a Smart Home system that they supposedly paid {$3000.00} for in my name for use later with the panels. This system if I ordered it online from XXXX the company that provided it, would cost {$790.00} at most. Mosaic has been told this however, they state if XXXX XXXX does not contact them and agree to close this loan it is a true and accurate loan. XXXX has not completed the panels at all, instead we had delay after delay that was never explained and therefore my sales Represenitive stated we should change installers and canceled with XXXX. Again no one is canceling the loan, and I have no solar panels on my roof. I need help please, someone got money for no work and a loan sits open on my credit. I also see that this contract is so confusing that I did not realize I would be paying $ XXXX for the solar panels which I think is truly an outrageous cost. I believe I have been take advantage of due to being XXXX and having difficulty understanding this contract at the time. It took me quite a bit of time and my daughter reading the contract to me aloud to realize what I have gotten myself into. This process was started XX/XX/XXXX and the loan became active XX/XX/XXXX but it took till XX/XX/XXXX to realize this loan was on my credit. I do not know what to do at this time and mine and my daughter 's credit reports are taking a huge hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, 15 USC 1681 section 602, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure my private information is not shared, as backed by 15 USC 6801, which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic information. XXXX ( XXXX ) is a financial institution by definition under this title

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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally address the unlawful closure of my Visa XXXX card, which I have recently discovered. This action, taken without proper notice or justification, is not only a breach of our agreement but also a violation of federal regulations, specifically those under Regulation Z.

As previously communicated, my account is subject to an ongoing billing error dispute, and I have exercised my rights under 12 CFR 1026.13 ( d ) ( 1 ). This regulation clearly prohibits you from treating any portion of the disputed amount as delinquent while the dispute remains unresolved. Closing my account while it is under dispute is an adverse action that directly violates this regulation, as it penalizes me for withholding payment on a disputed amount. 

Under 12 CFR 1026.13 ( d ) ( 3 ), you are prohibited from restricting, limiting, or closing my account in retaliation for exercising my rights to dispute billing errors. The closure of my account, without resolution of the dispute or proper legal basis, constitutes a retaliatory action and is therefore unlawful. This action has caused significant financial harm, disrupted my access to credit, and further exacerbated the ongoing dispute.

Federal regulations, including the Truth in Lending Act ( TILA ), require that I be provided with adequate notice before any adverse action, such as account closure, is taken. This notice must include the specific reasons for the action and the steps I can take to remedy the situation. I have not received any such notice, nor have I been given the opportunity to address the purported reasons for the account closure, making this action unlawful. 

The unlawful closure of my account may result in inaccurate information being reported to credit reporting agencies, potentially leading to violations of the California Consumer Credit Reporting Agencies Act ( CCRAA ). If any negative information related to this closure is reported, it will further compound the harm caused by your actions and may subject Chase Bank to additional legal liability.

Closing my account without just cause or due process is a breach of the Cardmember Agreement, as well as a violation of the implied covenant of good faith and fair dealing inherent in all contracts. This breach undermines the trust and confidence that forms the foundation of our relationship and exposes Chase Bank to potential legal action for damages. 

Failure to promptly address and rectify these issues will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and potentially pursue legal action to seek redress for the damages caused by Chase Bank 's unlawful actions. I expect your prompt attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 2024-08-28 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: WI

Complaint narrative:
On or about XX/XX/XXXX, I received a denied letter for approval of refinancing my auto loan with XXXX XXXX XXXX XXXX, I applied for on or about XX/XX/XXXX, at which time XXXX  XXXX approved me. The XXXX XXXX representative told me over the phone verification of my payoff and issuance of check to my credit union, the auto lienholder, is the last step. I decided to keep the loan with my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and : XXXX. I do have proof of auto refinance loan approval from XXXX XXXX XXXX XXXX. 
XXXX. The denied approval, contrary to the approval, and hard inquiry negatively impacted my credit score lowering it. 
XXXX. I believe the time period is unacceptable to receive a denied approval letter on XX/XX/XXXX, from XX/XX/XXXX, the date ( over 30 days ) I applied for the auto refinancing loan. 
XXXX. I submitted my claim first with CFPB, because XXXX XXXX XXXX XXXX does not have online complaint reporting, only mailing or faxing that I find unacceptable as well as shown below : Dispute with XXXX  XXXX Please include the following information in the dispute letter you send to us : Please send your dispute and supporting materials directly to us : Auto loan-related issues : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX recommend downloading and completing our Auto Loan Credit Bureau XXXX XXXX and XXXX XXXX XXXX relevant information that explains your situation. Return the completed form to the XXXX XXXX XXXX for XXXX loan-related issues. 

If you believe you XXXX be a victim of fraud, including identity the, please call us at XXXX. 

Return the completed enclosed form and supporting documents by fax to XXXX, ATTN : Credit Bureau XXXX, or by mail to : ATTN : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you have questions or need more information, call us at XXXX. Were available Monday to FridaXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX XXXX I appreciate your help with looking into this situation. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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 am reaching out for your assistance regarding this incorrect account on my credit report. This matter has damaged my reputation, and I need your help. The improper handling of my credit report has left me devastated, and your inaccurate reporting has destroyed my reputation. Please correct these errors so I can have peace of mind with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
Account number XXXX XXXX reflects the account is 30 days past due for XXXX. This is incorrect information. The account is not currently past due for XXXX because we are on day XXXX in XXXX. ACCORDING TO THE FAIR CREDIT REPORTING ACT once the account is 30 days late the creditor can report it to the credit bureaus. The XXXX payment is not 30 days late and is, therefore, being reported incorrectly. This account needs to be removed from my credit report! The monthly payment is only {$210.00} and the account shows a past due amount of {$420.00}. The information is incorrect. Below is how it is reflected in the credit report : Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Status Open. {$420.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$420.00} Highest balance {$6000.00} Monthly payment {$210.00} Last payment date XX/XX/XXXX Payment summary ( see how the account is marked as past due 30 days for XXXX ) XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XXXX - - XXXX - - XXXX - XXXX - In addition, XXXX XXXX XXXX continually reports their account incorrectly. I want this account removed from my report! It is reflecting the account past due for XXXX and the month of XXXX has not ended. In addition, they are reporting twice the amount of the monthly payment as past due. The monthly payment is {$840.00}. They are reporting incorrectly! 

The information is incorrect and I want it removed.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account number XXXX XXXX reflects the account is 30 days past due for XXXX. This is incorrect information. The account is not currently past due for XXXX because we are on day XXXX in XXXX. ACCORDING TO THE FAIR CREDIT REPORTING ACT once the account is 30 days late the creditor can report it to the credit bureaus. The XXXX payment is not 30 days late and is, therefore, being reported incorrectly. This account needs to be removed from my credit report! The monthly payment is only {$210.00} and the account shows a past due amount of {$420.00}. The information is incorrect. Below is how it is reflected in the credit report : Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Status Open. {$420.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$420.00} Highest balance {$6000.00} Monthly payment {$210.00} Last payment date XX/XX/XXXX Payment summary ( see how the account is marked as past due 30 days for XXXX ) XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XXXX - - XXXX - - XXXX - XXXX - In addition, XXXX XXXX XXXX continually reports their account incorrectly. I want this account removed from my report! It is reflecting the account past due for XXXX and the month of XXXX has not ended. In addition, they are reporting twice the amount of the monthly payment as past due. The monthly payment is {$840.00}. They are reporting incorrectly! 

The information is incorrect and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DID NOT GIVE PERMISSIBLE PURPOSE TO THESE PEOPLE TO PULL MY CREDIT REPORT. REMOVE THESE INQUIRES : 1. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They have reported me XXXX XXXX Code XXXX - Timing of payments XXXX XXXX Notes XXXX | next ( a ) TIME TO MAKE PAYMENTS A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
ng XXXX days late and that is incorrect

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 2024-08-28 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: IL

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

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