vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
XXXX has {$1500.00} of my money held for no apparent reason. Ive verified myself on multiple occasions and it them holding my money has caused me some serious legal and life issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-25 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC
State: GA

Complaint narrative:
A payment of {$1900.00} was applied to my account on XX/XX/XXXX. This is my regular payment plus late fees for the month of XX/XX/2024. It was applied to my balance and made my account 73 days delinquent. I then proceeded to send payment for XX/XX/2024. After payment was sent, I noticed a misapplication reversal on my account which then in turned made XX/XX/2024 late, when it was just showing paid as of XX/XX/2024. I was told the payment was being held in a 'suspense ' account instead of being applied to my balance, and thus showing it 115 days late, when in reality it was sent and applied on XX/XX/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 2024-06-25 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: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
I have been trying to submit a payment to UWM since XX/XX/XXXX. I finally got it to go through XX/XX/XXXX. Not once did they tell me there were issues with payment or that the ACH was getting kicked back. After I got the payment to go through, they would not apply the payment to my loan. I had to call and ask where it was, it was taken from my checking but not on my loan. Then I noticed they applied incorrectly and charged me fees after they told the fees would be waived because they had records of me calling in to ask about why my payment hasn't gone through yet. I called last week and used their online chat today to try again to get my payment applied correctly, they said it is. But it is not. I am showing I am missing {$2700.00} from my additional principal only payment. It was withdrawn from my bank account. My next payment is next week and I have a feeling I will have to again and have them adjust this one too. I have record showing that I submitted my monthly payment and additional principal correctly, but it was applied as so. I don't know what to do if they won't correct it when I reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-25 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
XXXX Certainly! Here 's a more convincing version of your case for the CFPB : I am submitting a complaint regarding a dispute filed with Apple Card concerning a transaction with XXXX. I purchased a machine from XXXX, but the software consistently malfunctions despite numerous attempts to resolve the issue with them. Apple Card 's decision to side with XXXX was unjust, as they claimed I had agreed to the merchant 's unspecified terms and conditions. However, Apple 's decision lacked clarity and failed to specify which terms and conditions I supposedly agreed to, which were not adequately disclosed at the time of purchase. As a result, I am left with a defective machine that XXXX refuses to support, despite their advertised warranty of up to 2 years on their website. 

This situation has caused significant financial and operational disruption, and I believe Apple Card 's decision overlooks my rights as a consumer under fair dispute resolution practices. I have diligently attempted to resolve this matter directly with both Apple Card and XXXX to no avail, and I now seek the CFPB 's assistance in achieving a fair resolution to this dispute. 

Thank you for your attention to this matter. I am prepared to provide any necessary documentation and details to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear credit bureau, I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX  consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation

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 2024-06-25 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: PA

Complaint narrative:
I am writing to address the ongoing issue of inaccurate negative accounts on my credit report. Despite your previous response, I stand firm that these negative entries are all invalid. I demand a detailed explanation of all the steps and actions taken to investigate and validate these negative accounts on 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 2024-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I am getting harassing daily phone calls from Tower Loan a company I do not have any business with at all. I called them today asking them not to continue to harass me and some XXXX XXXX XXXX stated that he will in fact continue to call me daily looking for someone else that is not in my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: LEXISNEXIS
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I applied to a credit card but got denied because they couldnt see my equifax report. I called equifax so I can see my credit score and have them share it however they told me that they arent reporting without giving me the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I've had my Chime Checking account for years now with direct deposit from my former employer. I just changed jobs and set up the new direct deposit with my new employer. However, my bank refused to offer real time verification to XXXX, so my first check was issued as a paper check. I thought that a paper check for the first check was a thing of the past in the first place? Since Chime is 100 % online, my only choice was to do a mobile check deposit of my paper check. So far, no big deal, just a hassle, but now here comes the unacceptable part! They tell me they are placing a hold on my check for an entire week, XXXX business days! This is a business check through ADP! It's NOT going to bounce! It's not out of state or anything and it's from my new employer! I haven't been paid in almost a month now and I am penniless! I need my money now! I have child support to pay! I chatted with them through their app and they said it would be resolved over the weekend, which was an outright lie! So Monday came and went and I had them call me this time and even spoke to a supervisor. They had absolutely NO compassion and NO flexibility in their rules. It was like talking to a brick wall. Maybe I'm more demanding than most, but I think it is absolutely unacceptable in this day and age to have to wait XXXX business days to clear an in state paycheck from an employer who I am setting up direct deposit with!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite providing detailed accounts of the violations under FCRA 623 ( a ) ( b ) and 605 ( c ), which specify failures to mark disputed accounts and inaccurate reporting of last activity dates, respectively, none of the credit bureaus have responded within the mandated 30-day period. Additionally, the company in question has failed to validate a collection account, thus violating FDCPA 809 ( b ) according to FTC guidelines. Attached are copies of all correspondence sent. I request an immediate investigation and correction of these violations on my consumer report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: VA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
My husband received a phone call from Jefferson Capital regarding a credit card that I have in collections. He is not associated with the card or debt at all. They should have his phone number at all. I am not sure how they got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
This complaint is against TransUnion ( TU ). TU regularly calculates credit scores and I can find mine on XXXX XXXX online. Prior to XX/XX/2024 my TU credit score was XXXX points. On XX/XX/2024, TU lower my credit score to XXXX due to a new credit card balance of {$1600.00}. This balance represented only 0.1 % of my total credit available. Within a couple of weeks, I paid the {$1600.00} balance in full. On XX/XX/2024, TU increased my credit score to XXXX. This was a XXXX point increase. My question is I lost XXXX points on XX/XX/XXXX and only earned XXXX points on XX/XX/XXXX. I called TU and was told that TU has not obligation to explain to me why the credit score was XXXX. Matter of fact, they told me that TU does not have to provide any reasons to the credit holder for any changes TU makes to your credit score. 
It is my understanding that this US Government agency has given the authority for TU to capture credit information and calculate credit scores for people in the US.

My complaint is that the calculation of credit scores by TU may not follow any guidelines and in fact could be anything TU decides, especially since TU does not have to offer any explanations to the credit holder. 

TU is not treating me fairly. I want an inquiry into how TU has calculated my credit score along with all reasons for any decreases or increases such credit score.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-25 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: MD

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING 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 XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation