vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated
State: WA

Complaint narrative:
The name of the company is CACI this started around XXXX XXXX. I have received multiple phone calls requesting they speak with me but will not give me any information about the company or what they want to talk about they state it is personal only. I have researched this company they state it is stated they are a debt collector. I owe nothing to anyone that I know of I have requested that they send a message which they have texted a message to have me call no identification or anything else they want me to give Multiple information my name my address, my phone number, etc. which I refuse to give. I am very concerned that this is a scam and since I have had no written information about anything that I owe from anyone, I do not believe that this supposed debt is real please help me

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2024-12-31 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a late payment on my credit report for my mortgage with XXXX XXXX Mortgage in 2020. This payment was reported as late, but I was never late. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of the information they report. This inaccurate reporting is damaging to my credit standing and does not reflect the facts.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a late payment on my credit report for my mortgage with XXXX XXXX Mortgage in 2020. This payment was reported as late, but I was never late. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of the information they report. This inaccurate reporting is damaging to my credit standing and does not reflect the facts.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I deposited {$4100.00} into my account with Skrill ( https : //www.skrill.com/en-us/ ). 

I spent most of this money using my Skrill debit card.

Today, I received an email that Skrill closed my account. No reason was given, and I was told the decision is final.

I still have {$3.00} in my Skrill account, but I am unable to access this even though it is my money.

Skrill insists on seeing my bank account information before it will consider releasing my money to me. I have 48 hours to provide this information per Skrill. I was sent an email today, XX/XX/year>, informing me of this. Skrill 's request is unreasonable.

Skrill is trying to steal my money and has locked me out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
The car dealership charged me {$2800.00} as down payment it never went to the car and they never explained the down payment never went to the car loan and they never told me about the very high APR rate on the car the car prices jumped from {$17000.00} to XXXX and it was no way to pay it off and when I got into an accident they never paid the loan off with the XXXX  XXXX  I asked for

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 2024-12-31 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681, 15 U.S.C. 1692c, and 15 U.S.C. 1637. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entities.

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 2024-12-31 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: FL

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify accurate.

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 2024-12-31 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 XXXX XXXX {$3700.00} & XXXX XXXX XXXX XXXX {$910.00} 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 in 60-90 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX {$3700.00} & XXXX XXXX XXXX XXXX {$910.00} Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I accessed my credit report and noticed hard inquiries and permissible purpose according to 15usc I also attached my hard credit report can you please investigate these hard inquiries XXXX XXXX XXXX delete this hard inquiry, XXXX XXXX XXXX delete this hard inquiry, XXXXXXXX XXXX XXXX XXXX delete this hard inquiry, XXXX XXXX please delete this hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
They would put my account in the negative state and cause my account to be overdrawn charges where more than what was stated when signed up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: NV

Complaint narrative:
I am writing to file a complaint regarding the mishandling of my security deposit refund by First Progress Credit Card. I had a secured credit card account with First Progress for approximately XXXX years, secured by a {$4000.00} deposit. I recently decided to close the account as it had a {$0.00} balance, and the closure was initiated in accordance with the bank 's procedures. 

When I closed the account, I was informed by First Progress that my {$4000.00} security deposit would be refunded to me via a mailed check within XXXX weeks. Over this XXXX period, I contacted First Progress twice to check the status of the refund and was reassured on both occasions that the check would be issued within the stated timeframe. 

However, today, XX/XX/XXXX, XXXX final day of the XXXX XXXX called to follow up as I had not received the check. I was then informed that the check had not even been issued yet. Instead, I was told that a new request for the refund check would be submitted and that it could take an additional 45 days to process. 

This delay is unacceptable, and the inconsistent information provided by First Progress has caused unnecessary frustration and inconvenience. The funds secured in the account are my property, and I expected a timely refund as per the timeframe communicated by their representatives. 

I respectfully request the CFPB 's assistance in resolving this issue and ensuring that First Progress expedites the processing and issuance of my security deposit refund without further delay. Furthermore, I believe it is necessary to investigate the banks practices regarding the timely return of security deposits to prevent similar issues for other consumers. 

Please let me know if you require additional details or documentation regarding this matter. Thank you for your time and attention to my complaint.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, IN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Complaint Against Westlake Financial for Misrepresentation of Reinstatement Terms and Improper Repo Fee Charges On XX/XX/year>, my vehicle was repossessed by Westlake Financial due to late payments. I contacted them to reinstate my vehicle and was quoted a total of {$840.00}, which included the following breakdown : {$290.00} in overdue payments. 

{$22.00} in late fees. 

{$520.00} for repossession fees. 


When I explained that I couldnt afford this amount, Westlake adjusted the reinstatement terms and told me I could pay {$340.00} to recover my car. This breakdown included : {$290.00} in overdue payments. 

{$22.00} in late fees. 

{$25.00} for repossession fees. 


I paid the {$340.00} in full on XX/XX/year> and retrieved my vehicle. At the time, I was led to believe this payment satisfied all outstanding amounts related to the repossession. 

However, when I recently logged into my Westlake Financial account, I noticed a {$900.00} charge for repossession fees. Westlake claims this fee was billed by the repossession company XXXX XXXX XXXX. They did not disclose I would be billed in the future during the reinstatement process. 

I have a XXXX that limits my ability to work and earn a steady income. The unexpected {$900.00} charge causes a significant financial hardship. 

Westlake Financial misrepresented the total reinstatement amount by failing to disclose additional repossession fees that would be added later. 

The sudden imposition of a {$900.00} charge after I acted in good faith to reinstate my loan and recover my car is misleading and unfair.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account with XXXX 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 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