vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: MS

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-10-22 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: MI

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-10-22 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: GA

Complaint narrative:
On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from XXXX, XXXX and Transunion. I am requesting this account be removed from my credit report as soon as possible. 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 explanation
Consumer complaint received 2024-10-22 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:
On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from XXXX, Equifax and XXXX. I am requesting this account be removed from my credit report as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
My account with XXXX TRANSUNION 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. 


XXXX TRANSUNION 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 2024-10-22 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
In accordance to fair credit reporting act these creditors have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a business account with Navy Federal, I did a business sale transaction on a investment property. The funds were being deposited in my business account. I received the check from the buyer which was sent from XXXX XXXX partnering with XXXX XXXX. Once I received the check, I took it to Navy Federal and deposited it into my business account. The check was for the amount of {$140000.00}. The transaction got canceled on the buyers end and the temporary credit in my business account was reversed. Navy Federal froze my accounts stating fraud even know I told them the transaction was canceled. No funds were withdrawn and the {$140000.00} check never cleared my account. Navy federal has sense froze all my accounts and closed my business account because of this transaction. This transaction cancellation was not my action. The buyer had to cancel for their own reasons and that was explained to Navy Federal. Navy Federal took extreme measures and froze my accounts even though I have an appeal pending with the fraud team. Navy Federal never called me about this, they sent me an email saying my accounts were restricted. This will cause a financial strain on me as my VA tuition money and my retirement pay allotment gets deposited in these accounts as well as trying to reestablish a business account is a big inconvenience. I feel Navy Federal discriminate against minorities and they go to extreme measures. The check was written by a financial institute, so they had to verify funds before they sent the check. The check did not clear because the sale transaction was cancelled. I don't understand how that equals fraud and extreme measures without contacting me. Very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I was a victim of predatory illegal towing practices in XXXX XXXX XXXXXXXX. They violated multiple laws such as refusing to take credit card and asking for cash only ( they only accepted my capital one card after calling the police ), attempting to take my car outside of XXXXXXXX XXXX XXXXXXXX limits ( towing cars outside XXXX is illegal ), and refusing to give me an invoice explaining the charges. I did not receive a police report at the time as the policemen told me to go through the department of consumer affairs. I let capital one know all of this and disputed the charge instantly. I have already filed a complaint through the XXXX dept. of consumer affairs and they are currently investigating. Capital one initially closed my dispute, however it got reopened and I submitted a letter explaining the situation, along with letting them know about the pending investigation by XXXX XXXX. A few days ago I was informed my dispute case was closed and I am being charged the full amount. I was told I did not provide information as they requested ( even though I uploaded a letter as they asked through their document portal that detailed the pending XXXX investigation ). I have no recourse now through capital one and they refuse to reopen my case. I'm a XXXX XXXX that barely gets by on loans anyways and can not afford a fraudulent XXXX dollar charge that is being investigated by the city. I've been a capital one customer with XXXX different credit cards and a savings account for more than XXXX  years now however I will be switching banks now because this is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I leased a XXXX XXXX on XX/XX/XXXX for 36 months. I returned the car to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NY on XXXX XXXX. The lease end date was XX/XX/XXXX. Chase Auto Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to deduct my XXXX payment XX/XX/XXXX, 14 days after I returned the car. They automatically deducted {$960.00}. I can understand an error but it has been over three weeks of constant calls and no one can give me a straight answer and I am made to feel as the criminal.

I contacted them, and was told that I had to turn off auto pay or it will happen every month. I then proceeded to turn of the auto pay, and request the refund of the 37th month payment on my 36 month lease. I was told they would send a check within 10 business days. After not receiving a check i contacted them again, only to be told they could not reimburse me for at least 60-90 days. I spoke with numerous supervisors who all said nothing. I contacted XXXX XXXX the dealership where I returned the car and they apologized. They also there was nothing they could do, it was a Chase Auto Finance matter. 

This is fraud, theft and abuse. They took an extra month lease payment after the car was returned and clearly have no intention of returning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: OH

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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 relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completes of the information/account.

I demand that the following account be validated or DELETED from my Equifax Credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Ive discovered mistakes on my credit report regarding 15 USC 1681c-2. The inquiries mentioned were not authorized by me and are negatively impacting my credit score. Kindly remove these unauthorized hard inquiries. 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 explanation
Consumer complaint received 2024-10-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I identified incorrect inquiries on my credit report under 15 USC 1681c-2 that were not authorized by me. This wrong information is damaging my credit, and I request the removal of all unauthorized hard inquiries. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute with this company and this complaint is to serve as proof that they have received this dispute and not claim ignorance of it in the near future.

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 2024-10-22 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: MD

Complaint narrative:
I am writing to re-dispute the reporting of a charge-off of the XXXX XXXX account number XXXX, as this entry is inaccurate based on my investigation 's findings. I kindly request that this charge-off be removed from my credit report with all credit reporting agencies. 

The following consumer protection laws and regulations support my request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers can dispute any inaccurate or incomplete information on their credit reports. The credit reporting agencies and the information furnisher ( in this case, XXXX XXXX ) must investigate and correct any inaccuracies found. [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Consumer Financial Protection Act ( CFPA ) : The CFPA grants the Consumer Financial Protection Bureau ( CFPB ) the authority to oversee and take action against companies that violate consumer financial laws, including the FCRA. [ 12 U.S.C. 5481 ( 14 ) ] Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair or deceptive practices by debt collectors. If the charge-off is inaccurately reported or involves any form of harassment, this may also constitute a violation of the FDCPA. [ 15 U.S.C. 1692 ] After thoroughly reviewing my records, I have identified that the charge-off reported is incorrect. This inaccurate information is negatively impacting my credit score and financial standing. As a responsible consumer, I continuously monitor my credit report for accuracy and promptly address discrepancies.

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 2024-10-22 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: MD

Complaint narrative:
I am writing to re-dispute the reporting of a charge-off of the XXXX XXXX account number XXXX, as this entry is inaccurate based on my investigation 's findings. I kindly request that this charge-off be removed from my credit report with all credit reporting agencies. 

The following consumer protection laws and regulations support my request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers can dispute any inaccurate or incomplete information on their credit reports. The credit reporting agencies and the information furnisher ( in this case, XXXX XXXX ) must investigate and correct any inaccuracies found. [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Consumer Financial Protection Act ( CFPA ) : The CFPA grants the Consumer Financial Protection Bureau ( CFPB ) the authority to oversee and take action against companies that violate consumer financial laws, including the FCRA. [ 12 U.S.C. 5481 ( 14 ) ] Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair or deceptive practices by debt collectors. If the charge-off is inaccurately reported or involves any form of harassment, this may also constitute a violation of the FDCPA. [ 15 U.S.C. 1692 ] After thoroughly reviewing my records, I have identified that the charge-off reported is incorrect. This inaccurate information is negatively impacting my credit score and financial standing. As a responsible consumer, I continuously monitor my credit report for accuracy and promptly address discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
Listed below is proof of me being a victim of identity theft. I have provided proof of my signature being forge on a membership I've never created. I was able to gain access after investigating the fact that a collection was put in my name. I ask for the owner to remove the collection and was told it would be since it's fraudulent. The other accounts that are listed is fraudulent as well and needs to be invested expeditiously. I am asking that my complaint gets fully analyze for these accounts doesn't belong to me and never gave any consent to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision. ( FTC ) My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2024-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I am writing to formally report XXXX fraudulent accounts that have been listed on my Transunion credit report as a result of identity theft. I did not open these accounts, nor did I authorize anyone to open them on my behalf. The details of the fraudulent accounts are as follows : Account Name : XXXX XXXX XXXX XXXX Account number : XXXX I became aware of these unauthorized accounts on XX/XX/year> and I have taken immediate steps to secure my personal information, including [ mention actions youve taken, such as filing a police report and freezing my credit. 

Please remove these fraudulent accounts from my credit report, as they do not reflect my credit activity or financial responsibility. I have also attached supporting documentation, including a copy of my identity theft affidavit, police report, and any relevant communication with the creditors involved. 

Thank you for your prompt attention to this matter. I trust that this will be resolved quickly to prevent further harm to my credit standing. 
Sincerely 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 2024-10-22 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: FL

Complaint narrative:
Dispute and Request for Update of Personal Information I am submitting this complaint against regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX . I request that my current address be updated accordingly.

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