vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated. 


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. 

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! 


Update 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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for their job listing for an XXXX XXXX XXXX on their books. I completed a cover letter, short " interview '' through XXXX XXXX, a survey about my working style/etc., and received a legitimate looking email with an attached contract letter including the job description and hourly pay. I was in contact with a girl named XXXX, who filled me in on how the job would work and that they would be sending me a XXXX, printer, and time tracking software at the company 's expense. They sent me a check for me to deposit and so I did, and then they had the " vendor '' copy me in on an email with a fake invoice. I then wired the money ( {$4300.00} ) to the vendor on XX/XX/XXXX and I woke up Monday morning with an email from my bank notifying me that my account was overdrawn. I panicked and looked up the girl I thought I was speaking with and saw she had posted on XXXX that someone is impersonating their company and they are not hiring at XXXX XXXX ( the publisher I thought I would be working for ). I immediately called my bank and filed a complaint. Unfortunately after six days, my bank told me there is nothing they can do because I verified the transfer.

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 2024-12-30 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: GA

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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a prescreen offer of credit email from XXXX on XX/XX/year>. The email indicated I was approved for at least {$3000.00} in credit, and that information was used from my credit report to make this offer to me. I permanently opted out of prescreen marketing from the listed bureaus about 7 years ago.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a prescreen offer of credit email from XXXX on XX/XX/2024. The email indicated I was approved for at least {$3000.00} in credit, and that information was used from my credit report to make this offer to me. I permanently opted out of prescreen marketing from the listed bureaus about 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a prescreen offer of credit email from XXXX on XX/XX/year>. The email indicated I was approved for at least {$3000.00} in credit, and that information was used from my credit report to make this offer to me. I permanently opted out of prescreen marketing from the listed bureaus about 7 years ago.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX 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 2024-12-30 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: TN

Complaint narrative:
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 2024-12-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Range View Management LLC
State: RI

Complaint narrative:
The company was offering path to debt relief opportunity with low payment amount that is less than what i owe. Initial was advertising a low loan payment plan but they ended up providing solution with escrow account and for me to stop paying the cards and stop my auto payments and agree to damage of the credit score since it is low i should not worry and pay 4 years and 7 months on payments that apparently they will renegotiate on my behalf. I was asked to close the account on Friday since my payment is on the XXXX of XXXX and he will send the contract on Friday after XXXX XXXX sounded very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I have XXXX  credit card since XXXX i never have late fees or payment till date. On th last year XX/XX/XXXX XXXX card company said you have late fees and and your auto deduct not enabled so its impacts late fee or missing. when i enabled the auto debit on again same issue reoccurred on XXXX XX/XX/XXXX and now my account outstanding 0 as usual so they are not reversing the missed one which is impacting my credit history.

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 2024-12-30 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:
I have XXXX  credit card since XXXX i never have late fees or payment till date. On th last year XX/XX/XXXX XXXX card company said you have late fees and and your auto deduct not enabled so its impacts late fee or missing. when i enabled the auto debit on again same issue reoccurred on XXXX XX/XX/XXXX and now my account outstanding XXXX as usual so they are not reversing the missed one which is impacting my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Im getting phishing emails from instacart and a collection agency saying I owe them money. They want to wire them money.

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 2024-12-30 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: TX

Complaint narrative:
Equifax still hasn't remedied the issue they created on my credit file. They have my name wrong an said they they would have to check into the issue and asked me to send them documents. This IS NOT an appropriate response! Where is the proof they checked with any creditor as they did not show proof this actually happened! It has taken them more than 60 days to do absolutely nothing, but ask me to supply them with paperwork. NO! They created this mistake and they should fix it. I would like to see proof that they actually contacted a creditor that they said has my name wrong. I want PROOF! They are not telling the truth! None of my creditors or even other credit reporting agencies have ever come across this problem. Equifax must fix this issue once and for all without any help from me as I didn't create this issue, they did! I want this taken care of immediately. It has now taken well over 60 days and still no answer! This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX. I used the XXXX XXXX financing at 0.00 % APR, $ XXXX for 36 months. Instead, Synhrony Bank  stated that I owed a minimum payment of over {$1000.00}. Rather than splitting the payments, an error on their backend ( which they admitted to ) caused this issue. 

I called, they said that they will resolve the issue, and that they put a note on the account. I checked back a couple days later and did not see any update to statement. I called, and they confirmed that I WILL NOT be charged the full amount. They also confirmed that there was a note on my account. I told them to escalate the issue and to put another note on my account. They said that it will take two billing cycles for this change to reflect, and I will NOT be charged interest or any penalties for paying less than what is shown to me as the minimum payment. 

Today, I was charged for a full {$1100.00}. I called back and the customer support representative, and they provided no reasonable solution or recourse. 

They withdrew this money from my checking account without my approval or permission. I did not authorize this transaction, and I only agreed to an auto-pay of {$50.00} each month. That was the ONLY auto-pay I had enrolled in. Instead they withdrew the full amount without my permission, they refused to correct the minimum payment, as agreed to.

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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX checks written the XXXX XXXX XXXXXXXX for water and sewer bills for apartment building I own were stolen and Chase allowed individuals to deposit them to their own accounts. 
The checks were not altered. I learned from the City that no one would endorse such checks with their names, the endorsements are done using a City stamp.

About a month later, 5 telephone transfers summing to {$38000.00} were made from my primary checking account to an account created in my name by a fraudster.

Then 4 phone transfers to an outside account were made summing to {$32000.00}. 
I subsequently learned someone entered a Chase branch in Ohio with a fake ID and some debit card and opened a checking account in my name. 
He also added a second person on the account named XXXX XXXX. 
I communicated the issue to Chase who put restrictions on my primary account and the once created by the fraudster. 
Chase also created a new checking account for me and transferred the funds remaining in my primary checking account into that. 
After multiple phone calls and visits to my local branch I was told by a Chase banker at my local XXXX branch that I would receive the {$38000.00} around XX/XX/year>. The banker also said he wanted to escalate, so I could talk to someone at Chase about these incidents. 
When the person from the escalation department called, I was informed that the issue was mis-categorized and an inquiry instead of identity theft and the case had been closed. 
I was instructed to either call the fraud department or visit my branch to start over. 
I did visit my local branch and I had to stand around on the phone for over an hour to input my information with a Chase representative. 
At these point I still do not have a clear estimate of when my {$38000.00} will be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regional Acceptance Corporation is claiming I owe a debt {$13000.00} however they have not showed verifiable proof that the debt belongs to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Regional Acceptance Corporation is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof from Regional Acceptance Corporation ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, and you must not place this account on my credit reports. I demand Regional Acceptance Corporation cease and desist all collection activities on this account and remove this account off of my credit reports immediately.

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 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF OMAHA
State: DE

Complaint narrative:
XXXX ) In XX/XX/year> I received an email from XXXX XXXX XXXX that my Amerifirst home improvement loan was being transferred to them. I was notified that it was a seamless transfer and that I didn't need to do anything. I then was told about upcoming autopay changes as well, which I didn't need to take action because my autopay had been set up for some time. 
XXXX ) My XX/XX/year> payment posted correctly. 
XXXX ) I did not receive any notification of XXXX payment or confirmation on my account. 
XXXX ) My XXXX payment was {$160.00} all on interest. 
XXXX ) My XXXX payment was the correct amount of {$670.00}, again all on interest. 
XXXX ) I contacted XXXX  via email and phone who told me I was responsible for accrued interest on my loan even during their transfer process that was supposed to be seamless and required no action on my part. 
XXXX ) I told them I accrued interest on my loan due to their action on my transfer and inability to keep my payments correct. I have never missed a payment or been late and my autopay has been set up for over a year. 
XXXX ) They offered me no solution and instead tried explaining how loans work and that I am responsible for interest accrued during their transfer process, even though I was told to take no action and could not make a payment during the transfer. 
XXXX ) Now I am 3 months behind on principal payments when everything was fine before they took action, having accrued over {$800.00} in excess interest due to their company action and payment transfer error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a charge off account from fingerhut. Account opened XX/XX/XXXX. Last payment, charged off, and sold is reported XX/XX/XXXX. XXXX, and XXXX have both taken this off of my report due time frame of report. Equifax will not remove it from my report because they documented the delinquency XX/XX/XXXX. I told them their information was inaccurate and I wanted to see their documentation. I also told them the other credit bureaus have removed the account. I also called XXXX to get the documentation and they dont have it due to the age of the account so therefor, Equifax can prove their reporting information. The account is well over 7 years old and I would like it removed.

Company response to consumer: Closed with explanation