vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the inaccurate accounts being reported on my credit file.

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 2024-03-08 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: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-08 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. XXXX XXXX XXXX THIS ACCOUNT WAS FRAUDULENTLY OPENED. IT IS NOT MINE

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Fraudulent charges from XXXX XXXX occurred on my Bank of America checking account and I can not reach the merchant to dispute. B of a wont dispute on my behalf. 

The fraudulent charges occurred are below and I had no access to see the charges as my phone wasnt letting me log in to my b of an app. 

All the charges are showing as XXXX XXXX from XXXX through XX/XX/XXXX ( I changed the description to fraud on the b of a app ) XX/XX/XXXX fraud - {$4000.00} XX/XX/XXXX fraud - {$1000.00} XX/XX/XXXX fraud - {$5000.00} XX/XX/XXXX fraud - {$1000.00} XXXX XXXX - {$200.00} XX/XX/XXXX fraud - {$1000.00} XX/XX/XXXX fraud - {$100.00} - {$5000.00} - {$2500.00} - {$200.00}

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 2024-03-08 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:
Transunion is reporting accounts as delinquent that are in dispute and not delinquent. Information regarding what information was provided to transunion that would cause them to report the account as delinquent would not be sent to me because 'we can not send you anything ' is what was explained to me by the representative on XXXX at XXXX CT.

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 2024-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
we had XX/XX/XXXXmortgage for 4 years then got transferred to fay in XXXX in XXXX XXXX put 5 months and escrow shortage into are loan and uped are mortgage amount because my wife was on XXXX for 6 months XXXX percent pay we have the paperwork fay is saying beside are normal mortgage of XX/XX/XXXX that we owe XXXX and are adding intrest on it XXXX fixed it in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had called in because o had gotten my phone and wallet stolen and they used my card and transfers money over on my phone. They said they filed a dispute which I later found out that they didnt so I had to call in again and eventually got help. They filed a dispute which was later denied with out any information and only giving me a day notice that funds where gon na be removed from my account I called in and got no information as to why and was ultimately told which I felt was threatening saying they would take away debit card use if I called back about this. This is the second time they have done this and this time the amount was for around XXXX $ and I dont get how they didnt ask me for no prove or nothing and I know I didnt make these transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX BUSINESS DAYS after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: LA

Complaint narrative:
I am writing to you to make a formal complaint against Lendly loan. I suspect they are breaking the XXXX  usury laws that state the maximum interest that can be charged on installment loans is generally set at 12 % maximum per annum. I noticed this when I was wondering why it was taking so long to pay off my loan when I had a similar loan with same company and it was paid off by now. But when I check online it keeps saying I owe $ XXXX over and over again although I pay {$140.00} from my check 2-3 times per month. I pull up my account and notice they are charging me a total $ XXXX on a $ XXXX loan totalling 183 %. They also claim to help credit by showing you as paid on time on your credit, etc, etc. Of all the payments I've made they've only reported me paying once or twice which has actually lowered my credit score and is making me get denied for other credit related things because it looks like to others I'm getting high loans and paying nothing on them although I pay {$140.00} two to three times per month. 

My best friend has made several of the same loans from them and agreed they've never been charged so high. I also don't recall seeing these forms until now because there's no way I would've agreed to that. I feel they have unfair lending practices that are predatory towards certain demographics and would appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally bank is not being honest at all I have verified all of my information and they told all the fraud reps to hang up the phone whenever I call something needs to be done if my account is restricted why is there funds removed from my account? I do not understand the response because I have verified my information and on XXXX the XXXX my account was restricted due to a check I deposited the check has cleared on XXXX the XXXX so there is no reason why my account is still restricted This company ally bank needs to be closed they discriminate and do not return my calls as they explained until this day they are still lying the investigator did not call me nor executive team I have no information nor a case number. They refused to let me speak with a fraud supervisor and ally bank reps tell me 4 different answers on all the calls if they spoke with me telling me they are ending my banking relationship and that a check will be issued then how have I not been identified? Then I called back and the next rep said my account is still being investigated. So therefore they are not being honest and somebody needs to see this so it will not happen to anyone else I know that XXXX and XXXX are two reps that hung up on me and repeatedly lied to me If they are being honest I would like for them to send theyre recordings of the phone calls we have had because I have identified my self several times I am even uploading the messages from the verification codes they have sent me to identify myself and the emails from when they said my restrictions have been lifted my voice pin has been changed and more restrictions have been put on my account that I have not used. Ally bank are all liars and they do not help their customers at all I get a different answer every time I call

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 2024-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
The documentation was not provided to me. There is no proper verification of debt from me to Collection Agency. We went to court XX/XX/2023. There was no other debt but court fees due at the court hearing of that date. By federal law you have not right to apply debt in my name that I did not agree to with signature to pay that debt. I knowingly dont have knowledge of agreeing or signed documentation saying that I agreed to pay this debt. 

The moment XXXX gave the right of contract to the collection agency. I am no longer responsible for any debt said owed. If there is a debt that is to be owed. I should be taken to court for the debt obligation. 


By federal law, Under exclusive equity jurisprudence, equitable subrogation is a principle that allows the surety to step into the shoes of the creditor and obtain all the rights and securities that the creditor had against the debtor. In other words, the surety acquires the rights to pursue remedies available to the original creditor, including collateral or liens held by the creditor. Which means if I make a payment on this debt. The debt no longer belongs to anyone but me. Which means you FCO takes on the responsibility of me. And FCO will owe me the money of the debt. 
If the original creditor wants me to pay the debt to them. They are responsible for claiming that debt on their own. If not, by FCRA law, I am no longer responsible for any debt if administered by third party. 

If FCO wants the obligation to this debt to be paid. Please provide me with the registered agent of service documentation, the right to collect debt in the state of Virginia, and documentation with my signature on it, saying that I have agreed to pay this debt. 

If you can not provide the documentation please, I demand that it be removed from my credit report immediately.

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 2024-03-08 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-08 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: SunTx Capital Partners
State: CA

Complaint narrative:
identity theft

Company response to consumer: Untimely response
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I got a loan from them with inflated principle balance because of the APR of 22 %. I was not able to keep up my payments and eventually vehicle was repossessed. The repossession is being on my credit report ; when this was a predartory loan from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
XX/XX/year> I did not authorize this company to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
My loan was sold to new company, Mr. Cooper. They did not pay for insurance renewal when funds were in escrow. Insurance company was aware of sell and Mr. Cooper cashed claims check for previous damage during the time they failed to pay renewal of insurance. When I was notified my home did not have insurance I obtained a new policy within days of notification and provided Mr. Cooper with proof of Insurance. Mr.Cooper claims to have purchased insurance which was back dated six months and wants to charge me {$2000.00}. The policy supposedly purchased by Mr. Cooper was purchased in XXXX and was supposedly effective XXXX of previous year, when I provided proof of insurance when they notified me of the situation. They said on recorded line they only knew of the situation on XX/XX/XXXX thought the policy they claim to purchase was supposed to be in effect. The insurance company that made the false paperwork, XXXX, is also owned by the same investment group. I called for assistance in the situation and was offered no help. I recorded the conversation. I was told the issue would be submitted for review and I would be contacted. Over two weeks have passed and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo closed my account because I have a XXXX  mailing address. We XXXX XXXX XXXX XXXX, everyone here has a XXXX XXXX XXXX. This was without warning They then said, the check was mailed to an old address, I hadnt lived at in years. 

So they knew I had a new address, closed my account because of it, then supposedly sent the check to my old address anyways It was never cashed. I needed them to cancel it, signed a Declaration letter, had it notarized by Wells Fargo, waited the 90 days they said it would take to make sure no one cashed the old one, and they never sent the new one. I cant get in touch with the office that handles the writing of the checks, since they dont take phone calls, that is a quote from them I dont know what to do? 
Please help

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 2024-03-08 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
the car was repo with out a court order under the 15 usc 1692f i should have recieved papers an signed them, an after they sold the car i still owe the same amount i never even gotten the paper work saying my car was sold

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NY

Complaint narrative:
please see attached file

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 2024-03-08 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: TX

Complaint narrative:
PLEASE SEE ATTACHED FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: PA

Complaint narrative:
I reviewed my consumer reports and noticed that I had four late payments on my XXXX account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!

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