vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 2024-10-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-03 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: AL

Complaint narrative:
I did not authorize the vendor to request my credit report or submit a hard inquiry on my 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 2024-10-03 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 have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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
Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MT

Complaint narrative:
I requested to have my PMI cancelled back in XXXX of XXXX. I received the PMI cancellation information from my mortgage company, paid the {$190.00} fee, signed the papers and sent back on XX/XX/XXXX. The check was the cashed on XX/XX/XXXX. 

I never heard from my mortgage company, or an appraiser about coming and appraising the home. I have called at least XXXX times since the check was cashed to get an update on when I should be hearing from an appraiser, and I kept being told someone would eventually contact me. 

I just called today ( XXXX ), and I am now being told they never received the appraisal sign off form and I would need to resign and send back for them to do an appraisal. In each of my calls following up before today, I was told everything is in order and they have received everything they would need from me. Now they are asking me to resend the form I already signed and it would take another XXXX  days. How is it fair that I pay my amount, send in the necessary documents, and continue to pay PMI. 

Please take action on this so other consumers are not being asked to pay for something that has not action.

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 2024-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I sent XXXX and LVNV FUNDING a debt validation letter on XX/XX/year> asking for the copy of contract and that they have a consulting fee of XXXX everytime they contact me without what i asked for in debt validation letter. Today XX/XX/year> XXXX contacted me again about paying alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My 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 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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a personal and a business account with XXXX XXXX. AT the time of scheduling my bill payment, my balance in my business account was {$2400.00} and balance in my personal account was XXXX. On XX/XX/year>, I scheduled a payment for my XXXX XXXX XXXX XXXX  from my personal account for {$3800.00}. The online banking accepted my payment. The next day, my payment was returned due to non-sufficient fee. They actually scheduled my payment from my business account and then return my payment. And charge {$36.00} My complaint is, XXXX should not allow me to schedule payment from the account which doesn't have enough money. Other banks would not allow to schedule bill payment if I don't have enough money at the time of scheduling. 

This is a deceptive practice and charge me with a JUNK fee and cost me another {$40.00} at other institution in the form of return credit card payment.

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 2024-10-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I first came to USA in XXXX and after receiving my social security card went to DMV to apply for a drivers license. My bag was stolen in DMV along with my social security card and passport. XXXX months later I left USA. Coming back in XXXX I checked my credit report and noticed several fraudulently opened credit card accounts. All the creditors solved the matter, but Wells Fargo bank with a charged off credit card with the balance of {$9700.00}. It`s been a year I am sending my supporting documents to wells Fargo proving that I was not in US in XXXX and never had any business account either. I attached the email from XXXX stating that the business opened in my name was fraudulent. After providing all this new supporting documents they still deny my case. They also are not able to verify my identity every time I call and they send me to the branch for verification XXXX XXXX time. This needs to be solved immediately. Please help my with my concern.

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 2024-10-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Employer - XXXXXXXX XXXX XXXX XXXX Employer - EMPLOYED Employer - XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXncorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2024-10-03 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
XX/XX/ I was told if I requested to speak to the general manager that I would not be able to set up payment arrangements, that I would have to pay the entire balance in full owe, in order to obtain documentation showing I paid 3rd of balance owe and set up payment plan, so that i could then submit documentation to DMV, to have my driver license reinstated, which is preventing me from working. I was also told by supervisor, XXXX that it would take 30 days after I make payment to obtain the letter, showing that myself and FFAM are in agreement and Im set up on payment plan. I called FFAM requested to general manager XXXX  places on hold for XXXX minutes then rep states hes not available he will be in meetings all day today. Then proceeded to ask if he can assist, I told him I would like to make payment of XXXX and I could pay XXXX XXXX monthly for right now. He placed me on hold then came back and stated I would have to split the remainder balance up untill the next 12 months and there is no other option, but previous rep told me on XXXX different phone calls and occasions I could pay {$150.00} with the most reason being a week ago, now today I have to split it up into 12 months which is {$500.00} a month and unaffordable for me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I'm not sure exact date but I have tried many times to get my bank to return the money to me but they haven't responded. I even have a police detective working on the case. Trying to help me with this cryptoscam. I transferred around {$75000.00} worth of my money to this person that scammed me. It's all in attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
i am filling this FTC identity affidavit to report 2 separate fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit card around may account opend with XXXX XXXX XXXX on XX/XX/year> XXXX These accounts have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint to report a SERIOUS violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian. On XX/XX/year>, I mailed Experian a certified dispute letter regarding multiple derogatory accounts reported by XXXX. In this letter, I specifically requested that Experian provide the method of verification for these accounts. I also asked that if they could not provide this information, they must remove the derogatory entries as required by the FCRA. 

Despite my clear request, on XX/XX/year>, I received an email from Experian informing me that the accounts had been verified by the company who reported the information XXXX XXXX  ) and that these accounts would remain on my credit report. Experian failed to provide the method of verification, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). They did not disclose the procedures used to determine the accuracy of the information or identify who exactly provided this verification, which is a direct violation of the FCRA. 

Per the FCRA, Experian is obligated to provide this information upon request. Specifically, Section 611 mandates that if a consumer disputes the accuracy of information and requests the method of verification, the credit reporting agency must furnish the procedure used to verify the information, including the name, address, and contact information of the furnisher. Experian has blatantly ignored this legal requirement. 

Given Experians non-compliance and refusal to provide the requested documentation, I am formally requesting that the derogatory information related to XXXX be immediately deleted from my credit report. XXXX refusal to provide the necessary information regarding the verification process means that they have failed to meet their obligations under the law. 

I request that the CFPB take swift action to investigate this matter, hold Experian accountable, and ensure that these accounts are deleted from my credit report as they have not been properly verified. 

Please update me on the steps you will take to resolve this dispute promptly.

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 2024-10-03 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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