vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: IL

Complaint narrative:
This address does not belong to me and has been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into this matter and the immediate removal of this inaccurate information from my credit report. 

To assist in your investigation, I am including the following documents as proof of my current address : A copy of my government-issued ID ( e.g., drivers license ) A recent utility bill or bank statement showing my current address This incorrect address XXXX XXXX XXXX XXXX XXXX IL XXXX is causing unnecessary confusion and does not accurately reflect my credit profile. I ask that you complete this investigation within the 30-day period required by law and provide me with an updated copy of my credit report showing the correction. 

Please notify me in writing once the correction has been made or if additional information is needed.

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 2024-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX cash app took XXXX from a dispute that they said was denied. According to FDIC they supposed to cover all accounts worth XXXX. But cash app is violating this statute by saying they are going to get another XXXX on XX/XX/XXXX which cash app is stealing money. They have already gotten the XXXX illegally and I want it back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TranUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  ( account number 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 2024-12-27 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Investigation Regarding Credit Reporting Discrepancy Dear Sir/Madam, I am writing to formally request an investigation into a potential discrepancy in how my account with XXXX XXXX is being reported to the credit bureaus. On XX/XX/year>, I spoke with your representative, who confirmed that my account is reported to all three major credit bureaus ( XXXX, XXXX, and TransUnion ) on the XXXX of every month. However, I have evidence indicating that this account was previously deleted from my credit reports. 

Enclosed, I have included screenshots of my credit report showing the deletion of this account. I kindly ask that you : Investigate this matter thoroughly to determine why the account was deleted and whether it is being reported accurately. 
Provide me with a written explanation of the findings of your investigation. 
Ensure that all reporting is accurate, consistent, and in compliance with the Fair Credit Reporting Act ( FCRA ). 



Please respond to this request within 30 days, as required by law. If I do not receive a satisfactory response, I may escalate or pursue other legal remedies available to me. 

Thank you for your prompt attention to this matter. If you need any additional information or documentation, please feel free to contact me at the phone number or email address provided above. 

Sincerely,

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Company erroneously started charging me for insurance on my property in XXXX, and therefore did not accept my XXXX payment ( which I paid on time as always ), By XX/XX/XXXX my credit rating had fallen from XXXX to XXXX because they reported that I'd missed the payment. I called them and supplied the proof of insurance. They continued to send me letters threatening foreclosure. I talked to them several times and they assured me that their computers needed " a few days '' to update. Today I talked to them again and discovered that they had not accepted my insurance proof because allegedly it had an incorrect address ( they did not contact me to tell me about this problem -- if I had not called them, they would have continued to charge me for insurance ). When I pressed them, they admitted that the address was NOT incorrect, and they were going to submit it today but it was going to take several days to process. They also told me that I'd better pay their insurance fee until their system had updated because otherwise they were going to report my XXXX payment as not having been received either ( even though they did receive it, though without the added insurance charge that I am not under obligation to pay because I already have insurance ). 

In short : my credit rating has gone from " excellent '' to " poor '' because of their erroneous reporting of a missed payment. They have still not fixed the problem, and everyone on the phone says they can't do anything because the system updates at its own pace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, Thank you for your assistance. I have been denied access to funds by Chase bank for no reasonable reason. The bank has essentially stolen my check proceeds. Details are as follows. I am a XXXX XXXX from Georgia, XXXX XXXX. My family came to XXXX, Ohio over the XXXX week to visit my older sister XXXX who is attending XXXX XXXX in that geographic area. I had received a check and I wanted to cash the check so we proceeded with my father into the chase bank branch located on XXXX XXXX XXXX in XXXX ohio on the XXXX of XXXX with the intention of depositing the check I had recieved from an insurance settlement. We met with the chase bank representative that day at approximately XXXX and presented our photo IDs ie state issued driver 's licenses and subsequently signed the back of the check in the presence of the bank representative who subsequently deposited the check into my sisters account. He promptly told us upon depositing the check that there was going to be a 7 business day hold placed on the check proceeds. We asked for the check to be returned because we preferred to wait until we returned to Georgia and simply deposit it at our bank in Georgia but we were told the check could not be returned to us. We subsequently left the bank branch that day and we waited the 7 business days and remarkably on the XXXX day my sister got a text alert from the, fraud dept. At Chase that my sisters account was suspended due to the depositing of this fraudulent check! We immediately called the individual who wrote the check whom is a lawyer XXXX XXXX XXXX in XXXX Georgia, and she produced the cleared check which was paid on the same day that I deposited the check! The check was far from fraudulent and had cleared her account that day on the XXXX of XXXX. We have called Chase bank fraud dept daily and are told they need to verify me via cell phone. I give them my phone number each day and they claim they can't reach me?. This is outrageous. The lawyer who tendered the check has called as well as gone into the local Chase bank branch to verify she wrote the check with her ID and still the funds are kept by Chase bank. My funds have been defrauded by none other than CHASE bank and I simply want our funds.We have retained a lawyer in this matter and will be moving forward with a demand letter. This is so outrageous that a bank can steal money like this! Thank you Money paid to business : XXXX Attachments ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MA

Complaint narrative:
I reviewed my credit report and noticed several errors that could negatively impact my credit profile. There is a name variation that is incorrect and should be removed. Additionally, there are two addresses listed incorrectly : XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ' and XXXX XXXX XXXX, XXXX, MA XXXX ' . These addresses do not belong to me and need to be removed immediately. I currently reside at XXXX XXXX XXXX, XXXX, MA XXXX. Also, please remove the employer " XXXX XXXX XXXX, '' as it does not reflect my current employer. Inaccurate information like this can lead to fraud, identity theft, or confusion about my financial history and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports be accurate. My credit report should only contain my verified and correct details. Please update my report promptly to ensure its accuracy. Thank you for addressing this matter quickly.

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 2024-12-27 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, 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 non-monetary relief
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Bankruptcy Court, after considering the papers filed in this case and having held a hearing on XX/XX/year>, agrees that XXXX this involuntary petition for XXXX  XXXX Bankruptcy was fraudulently filed and that dismissal nunc pro tunc to the date of filing and voiding this petition ab initio are the appropriate remedies. 
IT IS ORDERED : The debtor is granted dismissal nunc pro tunc.

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 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently obtained a copy of my credit report and noticed late payments. The delinquent payment shown on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

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 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding the actions of Lexington Law and their affiliated services, which I believe have violated the Consumer Financial Protection Act of XXXX  and the Telemarketing Sales Rule. My experience with Lexington Law has caused significant financial harm, emotional distress, and undue hardship over an extended period. I am requesting assistance from the CFPB in seeking appropriate compensation for these issues. 

In XXXX, I contracted Lexington Law for their credit repair services, as I was struggling to improve my credit score and financial situation. I paid for their services with the expectation that they would help me repair my credit and provide tangible results. Unfortunately, despite months of payments and communication with Lexington Law, I did not see any improvement in my credit score.

The lack of results left me financially drained, unable to secure loans or credit, and forced me to remain in a toxic living situation due to my financial limitations. The emotional toll of this situation was severe, leading to physical health issues, including a loss of over 30 pounds due to stress and XXXX. 

In addition to the lack of results, I received repeated emails, phone calls, and harassment from Lexington Law, continuing to market their services and promising results that never materialized. Despite my repeated attempts to resolve these issues, I was billed for services that I did not receive, which caused additional financial strain. 

I believe that Lexington Laws practices are a violation of consumer protection laws, particularly regarding the illegal charging of upfront fees and false advertising about the results their services would deliver. Given the financial and emotional harm I have suffered, I respectfully request that the CFPB investigate these actions and provide guidance on how I may proceed to seek compensation for my losses. 

In addition to the financial loss ( which includes payments to Lexington Law and the harm caused by missed opportunities ), I am also seeking compensation for the emotional distress caused by their failure to deliver results and the impact it has had on my health and overall well-being. 

I have documentation to support my claims, including : Payment receipts and billing records. 
Email correspondence and marketing materials. 
Evidence of my credit score at the time of service and subsequent improvements after ceasing service. 
Medical records that reflect the stress and emotional toll this situation caused. 

I appreciate your attention to this matter and hope the CFPB can provide guidance on how to address these violations, seek appropriate compensation, and prevent others from facing similar harm in the future. 

Thank you for your time and consideration. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I asked XXXX to investigate and remove Incorrect negative information being reported to my credit profile. They delayed the process as much as possible before i realized they hadn't actually performed the investigative efforts required by federal consumer laws. their negligence is aiding in my financial hardships and causing me much stress and XXXX Thus the reason i have filed this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
The main course given, is that TransUnion failure to block or delete with evidence provided by the Federal Trade Commission Identity Theft Report. As a victim of fraud, TransUnion inability to clear all fraudulent accounts in nature has caused me monetary losses continuously. Therefore, only punitive and compensatory damages is needed to clear this delicate matter. Furthermore, XXXX XXXX XXXX and XXXX XXXX XXXX also are identity theft accounts listed in the ftc reporting. Thank you

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 2024-12-27 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft.I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
Information is was leaked in data breach and identity theft was commited

Company response to consumer: Closed with non-monetary relief