vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. 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 non-monetary relief
Consumer complaint received 2024-10-04 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. 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 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which governs how Credit Reporting Agencies ( CRAs ) access and use consumer credit reports. The FCRA 's purpose is to promote fairness, accuracy, and privacy of consumer information.

My personal information is incorrect and compromised. I do not live in any two of the personal addresses they have. They say its accurate and its not at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which governs how Credit Reporting Agencies ( CRAs ) access and use consumer credit reports. The FCRA 's purpose is to promote fairness, accuracy, and privacy of consumer information.

My personal information is incorrect and compromised. I do not live in any two of the personal addresses they have. They say its accurate and its not at all. 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 explanation
Consumer complaint received 2024-10-04 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: MI

Complaint narrative:
In early XXXX XXXX XXXXXXXX, I was stricken with XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this troubling time I was late on my payment to XXXX XXXX XXXX Balance : {$0.00} Under the CARES Act, if credit bureaus had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, credit bureau may have grounds to dispute the late payment. The account was late on XXXX when I was ill with XXXX. This account should not be delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES ACT. Thoroughly investigate and update with lawful accuracy.

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 2024-10-04 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: MI

Complaint narrative:
In early XXXXXXXX XXXX XXXXXXXX, I was stricken with XXXX, I was hospitalized and put on a ventilator and almost lost my life. During this troubling time I was late on my payment to XXXX XXXX XXXX Balance : {$0.00} Under the CARES Act, if credit bureaus had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning COVID-19 was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, credit bureau may have grounds to dispute the late payment. The account was late on XXXX when I was ill with XXXX. This account should not be delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES ACT. Thoroughly investigate and update with lawful accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: PA

Complaint narrative:
This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.A XXXX I have attached a letter with all my information thats needs to be updated on my consumer profile as well as the supporting documentation to show proof of my identity

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 2024-10-04 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: PA

Complaint narrative:
This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.A XXXX I have attached a letter with all my information thats needs to be updated on my consumer profile as well as the supporting documentation to show proof of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: PA

Complaint narrative:
This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.A XXXX I have attached a letter with all my information thats needs to be updated on my consumer profile as well as the supporting documentation to show proof of my identity

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 2024-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We had some theft along with the police report and somebody got into our phones and then proceeded to get Capitol one to change our password which they did and then they debited our savings and checking account and now Im on later, the bank is blaming us and frozen all XXXX and we have no way to pay our mortgage or anything or even get groceries and were old and dont know what to do, they even took the pension money that was deposited from my husband who used to work for XXXX and I also work for the government. This is not right. Capitol One should not freeze our money, they open new accounts for us and then now they froze those as well The two original counts, they froze until investigation was done, and they open to new accounts and they credited what the thief had taken, but now theyre freezing all the accounts, including the ones that they opened for us, and they have seized all the money along with the pension, the pension just went in last few days ago. They shouldnt take that as well, and these people are just Playing around with older people we need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Original loan was sold to a different company. At closing and before, we were told no payment due until XXXX. Closing took place on XX/XX/XXXX. They took XXXX for XXXX pymt and I stopped pymt as we did not owe for XXXX New payment went down to XXXX. At this time we are current. We then got a letter say we had an escrow amount owed us of XXXX. We got check, deposited it and then the mortgage company told my bank to send it back, which they did. We have letters and emails saying it was our escrow money but now we are getting XXXX. What can we do?

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 2024-10-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In early XXXXXXXX XXXX XXXXXXXX, I was stricken with XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this troubling time I was late on my payment to XXXX XXXX XXXX Balance : {$0.00} Under the CARES Act, if credit bureaus had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the XXXX pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the XXXX XXXX required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, credit bureau XXXX have grounds to dispute the late payment. The account was late on XXXX when I was ill with XXXX. This account should not be delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES ACT. Thoroughly investigate and update with lawful accuracy.

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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a personal joint checking account with Chase which has overdraft protection. 

On XX/XX/year>, three individual charges in the amounts of {$89.00}, {$34.00}, and {$15.00}. When I check my account balance that evening I saw it was pending negative and transferred {$280.00} to cover the overages. This brought the account positive in the amount of {$140.00}. Therefore, no overdraft fees should have been generated for these transactions. However, Chase actually did charge me the fees, three separate fees of {$34.00} specifically for the charges I had already paid for with the transfer.

I then requested the reversal of these fees, and three more overdraft fees were generated the next day because the account became negative again due to the erroneous fees charged by Chase in addition to three additional charges that were generated on the account the following day.

Do date, Chase has charged me {$200.00} in fees that are not justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I received a call from Credit Corp solution for a debt I don't know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: U.S. BANCORP
State: IN

Complaint narrative:
I am writing to formally request the removal of a charge-off appearing on my Credit report associated with the information the following Account Number : XXXX date of charge off 2023. also XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXX XXXXXXXX the reporting of this change-off to Credit reporting agencies may be in violation of federal law, partticularly 15U.S.C. 1681. Specifically, I am requesting documentation showing that I was provided an opportunity to " opt-out '' of the sharing of my nonpublic personal information with non-affiliated third parties prior to this charge-off been reported to Credit reporting agencies or any other non-affiliated parties.

under 15 U.S.C. 6802, CREDITORS are required to provide notice and an opt-out option to customers before sharing nonpublic personal information with third parties that are not affiliated with the Creditor.I am requesting that they provide me with 1.Proof of Notice : Evidencethat I was given the required notice under 15 U.S.C.6802 [ B ] Beforeany such sharing occurred 2.Opt-Out opportunity : Documentation showing that I was giving an opportunity to opt out of this information sharing as required by law. if they can not provide this documentation, it suggests that they may violate my obligation under 15 u.s.c 6802 which governs the conditions under which nonpublic person information can be shared .additionally, the failure to provide such documentation would imply non-compliance with your information security obligation under 15U.S.C. 6801 which requires you to protect the confidentiality of customer information, swell as 15U.S.C.6803, which governs the disclosure of privacies to customers. Given that no valid documentation has been provided to me regarding my right to opt-out of this information sharing, I believe hat the large-off should not have been reported in the first place .and therefore, it should be removed from my credit report immediately.

I respectfully request that you : remove the charge-off from my credit report .CEASE ANY Further REPORTING OF THIS information TO NON-AFFILIATED THIRD PARTIES. 
.PROVIDE WRITTEN confirmation OF THE REMOVAL.

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 2024-10-04 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
In accordance to the The fair credit act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX I looked at my TransUnion credit report. On XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report It shall follow reasonable procedures to assure maximum possible accuracy Of the information concerning the individual, about whom the report relate according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverify information ( A ) generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified. The consumer report agency shall ( i ) promptly delete the item of information from the file of the consumer or modify that the item of information is appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to furnish any information relating to the consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that 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 2024-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-10-04 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: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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