vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: TX

Complaint narrative:
Saw on credit report. Disputed. Reached out to agencies on credit report to resolve unrecognized issue. Said would not talk to me. Placed in collection and filed claim for payment and will remain on credit if I dont pay. Refuse to provide any assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
New complaint : THIS IS NOT A DUPLICATE Subject : Urgent Request to Correct Discrepancy in Credit Score To Whom It May Concern, I am writing to address a significant and concerning discrepancy in my credit score as reported by TransUnion. My TransUnion score is markedly lower than those reported by the other bureaus, despite identical information being provided to all agencies. This discrepancy appears to be a deliberate oversight, influenced by my race and gender. 

I have attached my scores for your review. The consistency in the information across all bureaus makes it clear that this lower score from TransUnion is unwarranted. I demand that you address this issue immediately by properly applying my CFPB and FTC complaints, ensuring that my rights as a consumer are protected. It is imperative that TransUnion stops relying solely on the inaccurate reporting by creditors and instead upholds its obligation to provide fair and accurate credit assessments. 

I expect my score to be corrected and raised without delay. 

Sincerely, 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 2024-08-26 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: CA

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 6. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
THIS LATE PAYMENT ASSESSED ON XX/XX/year> IS FALSE. I EXTENDED MY LEASE AND MY AUTOPAY WAS CANCELLED WITHOUT ME KNOWING. AS A RESULT, I WAS CHARGED A LATE PAYMENT THAT I DID NOT HAVE THE INTENT TO DO. I WAS ALWAYS ON AUTOPAY AND ALWAYS HAD FULL INTENTIONS TO PAY MY MONTHLY OBLIGATION. I WAS REFUNDED THE MONETARY LATE FEE BUT THE CREDIT REPORTING IS MOST IMPORTANT TO ME. PLEASE REMOVE THE LATE PAYMENT AS A COURTESY AS I WAS NEVER MADE AWARE OF AUTO PAY CANCELLATION.

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 2024-08-26 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: CA

Complaint narrative:
THIS LATE PAYMENT ASSESSED ON XX/XX/2024 IS FALSE. I EXTENDED MY LEASE AND MY AUTOPAY WAS CANCELLED WITHOUT ME KNOWING. AS A RESULT, I WAS CHARGED A LATE PAYMENT THAT I DID NOT HAVE THE INTENT TO DO. I WAS ALWAYS ON AUTOPAY AND ALWAYS HAD FULL INTENTIONS TO PAY MY MONTHLY OBLIGATION. I WAS REFUNDED THE MONETARY LATE FEE BUT THE CREDIT REPORTING IS MOST IMPORTANT TO ME. PLEASE REMOVE THE LATE PAYMENT AS A COURTESY AS I WAS NEVER MADE AWARE OF AUTO PAY CANCELLATION.

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 2024-08-26 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:
Hey i looked up my credit report and find fraudulent account on XX/XX/XXXX and sent letter them on XX/XX/XXXX to reinvestigate these account XXXX XXXX XXXX open date XX/XX/XXXX account number ( XXXX ) XX/XX/XXXX they sent me letter thet their investigation was completed and the account is accurate and complete I looked my report but everything still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modiy that tem or inortation, as appropriate, based on the results or the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this 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.

and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I see they really did not reinvestigation they said they did something they did not do and I have evidence to prove my case Account name XXXXXXXX XXXX XXXX  Open date XX/XX/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 2024-08-26 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: CA

Complaint narrative:
Hey i looked up my credit report and find fraudulent account on XX/XX/XXXX and sent letter them on XX/XX/XXXX to reinvestigate these account XXXX XXXX XXXXXXXX open date XX/XX/XXXX account number ( XXXX ) XX/XX/XXXX they sent me letter thet their investigation was completed and the account is accurate and complete I looked my report but everything still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modiy that tem or inortation, as appropriate, based on the results or the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this 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. 
and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

I see they really did not reinvestigation they said they did something they did not do and I have evidence to prove my case Account name XXXXXXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Your letter is well-articulated and highlights your concerns clearly. However, to ensure a more professional tone, I would suggest a few revisions : -- - **Subject : Urgent Request to Address Credit Score Discrepancy** To Whom It May Concern, I am writing to bring to your immediate attention a concerning discrepancy in my credit score as reported by Experian. Despite identical information being provided to all major credit reporting agencies, my Experian score is significantly lower than those reported by other bureaus. This discrepancy is troubling and raises concerns regarding the accuracy and fairness of the scoring process. 

Attached, you will find documentation of my credit scores for your review. The consistency in my credit information across all bureaus makes it evident that the lower score from Experian is not justified. I am particularly concerned that this discrepancy may be influenced by factors such as my race and gender, which, if true, would be a serious violation of my rights as a consumer. 

I kindly request that you immediately address this issue by thoroughly investigating and correcting my credit score. It is essential that Experian applies my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) accurately and upholds its responsibility to provide fair and accurate credit assessments. 

I expect a prompt resolution to this matter and anticipate that my credit score will be adjusted accordingly. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-08-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: AR

Complaint narrative:
I had a direct deposit at XXXX XX/XX/year>. XXXX minutes later a check was processed for {$660.00}. Money network claimed they caught it in time and I'd be refunded in 3 to 5 days. I called and they said it had been cashed so I'd need to file a dispute. The check was to a XXXX XXXX and signed by a XXXX. Obviously not me. I've been getting ran around and telling me 90 days. This is my rent money and my kids and I are going to be living in my car if I don't get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC, XXXX XXXX XXXX XX/XX/XXXX To whom it may concern : Subject : Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) I am writing to formally address a matter regarding my XXXX credit file and the inquiries that have been made by your organization as listed above : 1. **Inquiry Details - e.g It has come to my attention that these inquiries may not have adhered to the provisions set forth under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( n ), 1681 ( b ), 1681 ( o ), and 1681s-2. As you are aware, these sections outline the responsibilities of consumer reporting agencies and the obligations of entities that request consumer reports.

Under 15 U.S.C. 1681 ( n ), I have the right to seek damages for willful noncompliance with the FCRA. Additionally, 15 U.S.C. 1681 ( b ) requires that consumer reporting agencies ensure the accuracy and integrity of the information they report. Furthermore, 15 U.S.C. 1681 ( o ) provides for damages in cases of negligent noncompliance.

I request that you provide the following information : 1. The purpose of each inquiry made on my credit report.

2. The specific consent or authorization you obtained prior to making these inquiries.

3. Any documentation related to your compliance with the FCRA regarding my credit file.

Please respond to this letter within 15 days from the date of receipt, as required by the FCRA. Failure to comply with this request may result in further action to protect my rights under federal law. 

Thank you for your immediate attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: CA

Complaint narrative:
Direct Express by Comerica Bank is the agent that administered the social security XXXX, I file a police report which detail the theft situation I have, I lost my DMV and social security card and Direct Express think I am someone else who make the call to close the account, so far I could not access the direct express debit card and may not get the benefit in XXXX. 
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have been having issues with the XXXX account since I opened this account through TD Bank. Immediately upon opening the account I set this on auto pay. However, they never draft payment. Each time I get confirmation I set it up and each month they don't draft the payment making me late. This is not my fault. They need to fix their system as the money is in the account ready to draft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BROKER SOLUTIONS, INC.
State: MI

Complaint narrative:
On XX/XX/year> I contacted New American Funding for a Mortgage Loan. I spoke with XXXX XXXX. I provided her with all necessary documentation to support this process. XXXX was aware that I am a first time home buyer. She provided myself and my Realtor XXXX XXXX with a Pre Approval by email. XXXX informed myself and XXXX that I was approved for $ XXXX we discussed budget not to exceed over $ XXXX. I searched for homes at times XXXX would contact me by phone or text message regarding if I had found any homes. I was unaware that I faced a loan advisor change at random until I was informed by the realtor. She provided me with the individual details whom name is XXXX XXXX. She was not very communication and very hard to reach versus XXXX. She informed me that she was my new loan advisor after my many attempts of contacting her by phone and email for information on my status and reason for the switch in loan advisors. She informed me that XXXX had left the company and no longer worked for New American Funding. She stated she had recently received my information from her supervisor XXXX XXXX. XXXX language over the phone was unhelpful and very unkind. She stated that I was no longer approved for any loans after she ran a hard pull credit check and took all my documentation that I provided XXXX again. I requested to speak with her XXXX which is XXXX XXXX who informed me XXXX XXXX was terminated due to falsely stating inaccurate information on clients documents to obtain pre approvals. I was again told I did not qualify needed more money down and more time. I then requested our business relationship to end. I was told by XXXX that a disclosure would be sent to me via mail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Attention Creditor : I am responding to your contact about collecting a debt. You contacted me by phone/mail, on XXXX XXXX2024 and identified the debt as debt I owe to XXXX XXXX. I do not have any responsibility for the debt youre trying to collect. I am disputing ALL OR PART OF THE DEBT. 

First of all, I did not apply anything on XXXX or any of their own company. Second, I do not live in XXXX  or XXXX  or XXXX  and never in my life lived there. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal decided that I violated their terms and agreement so disabled my account. I can not withdraw my money for 90 days and my account will be closed after that. No reasons provided why I broke their rules, I didnt do anything on my account. Need an explanation

Company response to consumer: Closed with non-monetary relief