vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I request my credit report and notice that several of my account were not reporting correctly .I immediately file a dispute for those account which was not resolved as requested. 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 2024-08-30 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: WA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: MA

Complaint narrative:
I called XXXX they cut me off and asked to the call creditors this was in XXXX then I notices that my scored dropped again and so saw the inquirires grow how ever new inquiries have came up this issue has started since XXXXXXXX XXXX XXXX when my wallet and cell phone were stolen I have made a request to all other credit agencies and they immeditley removed the fraud information when they got the ftc report and police report stating the inquirires for the month all but one XXXX I have recived multiple letters at my email stating its not me but a third party I call get verrified and they still will not honor my request I am attching all the evidence need it to get the inquirires removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Hello, I am writing to formally request an assignment of contract regarding the debt that was purchased by your company from the original creditor, Account # XXXX. I respectfully ask that you provide me with a copy of the assignment contract, along with any supporting documentation that confirms your ownership and right to collect this debt.

As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to request and obtain verification of the debt, including any assignment contract that establishes your right to collect the debt in question. If you are unable to provide the requested assignment contract within [ a reasonable period, e.g., 30 days ], I request that you promptly delete any and all references to this account from my credit report with all credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Please send the requested documents to the address mentioned above or via email at XXXX Thank you for your prompt attention to this matter. I look forward to your cooperation and timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: WI

Complaint narrative:
I wrote a check a XXXX ( XXXX, WI ) on XX/XX/XXXX for goods purchased, {$270.00}. This check ( # XXXX ) has cleared. This was verified by our bank ; XXXX  XXXX XXXX, XXXX, WI. I have the original receipt and bank statement, also provided to XXXX. 
XXXX initially and incorrectly entered the amount in their system as {$210.00}. This was charfed to our account, but reversed on XX/XX/XXXX. The correct amount then was cleared via our bank ; again verified with the bank. XXXX has claimed, via TRS Recovery Services, that we owe {$240.00}, which represents the mistaken amount of {$210.00} plus a finance fee XXXX ; totaling {$240.00}. This was bullied out of us on a charge card on XX/XX/XXXX via TRS to attempt to clear our credit. ( XXXX among others ) We need the debt completely cleared ; a refund on our credit card, and any associated negativity removed from our credit history. 

We need your help! 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
**Subject : Request for Review of Lack of Foreclosure Avoidance Assistance** I am writing to express my deep disappointment and concern regarding the lack of assistance provided by your company to help me avoid foreclosure on my mortgage. Despite facing financial hardship, I was not offered any options or resources to prevent foreclosure, such as loan modifications, forbearance programs, or repayment plans. 

My husband of 41 years passed away in 2023 and it's been a struggle trying to get all my affairs in order. Including the mortgage. My deceased husband fought for this country. He's a veteran and it's disgusting that this is how you treat his widow. I miss my husband. 

I have all my 6 missed mortgage payments to bring my account current but they want fees that occured due to their lack of assistance for me. They only showed enthusiasm with me selling my home to XXXX XXXX. Not taking my payments. I believe this is due to me being an XXXX woman not fully aware of how the process works. I was refused a single point of contact or options. 

I believe that your company has a responsibility to work with borrowers in difficult situations to find solutions that prevent foreclosure. By failing to offer any assistance, you have contributed to my financial distress and the potential loss of my home. 

I kindly request a review of my case to determine if there were any viable options available that could have prevented foreclosure. I would also appreciate it if you could provide information on any future assistance programs or resources that may be available to me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
On XX/XX/year>, I found debt collection accounts of CACI on my credit report. I immediately contacted the debt collection company and negotiated the total balance to {$940.00}, I requested them to delete those accounts from my credit report, then sent me a receipt to prove that, they agreed and sent me the documents. So I paid {$940.00}. However, today XX/XX/year>, I still got a phone call from them and they said I didn't pay for that and needed me to pay for the balance, I told them I had already paid in full and got the document and the accounts would be deleted in 30 days. They refused to admit it and kept trying to charge me more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.

Complaint narrative:
I was Louisiana court ( XXXXXXXX XXXX  ) appointed Administrator to the Successions of my late parents on XX/XX/XXXX. In reviewing 7 years of bank statements, I discovered Comentity Bank had issued a charge card in my father 's name without vetting, over 6 years after he died. The card was being used, evident by 3 credit reports. On a phone call to Comenity Bank on XX/XX/XXXX, informed I needed to mail proof of death to one mail box, and to a second mail box, documents showing legal authority to represent my deceased father before any information could be provided. A cover letter with the same 10 documents was sent on XX/XX/XXXX to both mail boxes, showing with adequate documentation, I had legal authority to represent my deceased father. In cover letter to Comenity Bank : 1 ) reported credit card fraud : 2 ) requested account be closed : 3 ) requested copies of monthly statements : 4 ) requested any opening account documents. Uploaded with this compliant 20 supporting documents. In 26 page, Administrator Succession Interim Report filed on XX/XX/XXXX with the XXXX XXXX there is a Sub-titled section Comenity Bank Refuses To Recognize XXXX XXXX XXXX. Paragraph 61, [ ADMIN ] wants to bring to the court 's attention, facts that culminated in unsuccessful effort to receive requested documents from Comenity Bank. Documents needed are those that would validate a creditor 's debt claim pursuant to XXXX XXXX XXXX. Comenity Bank has filed through a collection agency in case XXXX creditor 's claim for {$7400.00}. on XX/XX/XXXX. [ ADMIN ] is filing complaint with Consumer Financial Protection Bureau. [ ADMIN ] has talked to bureau. Documents were never sent. Facts show Comenity engaging in cover up, creating customer account without permission ... ... ... .Follow up phone calls were made requesting document request status, however documents never sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: MI

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 explanation
Consumer complaint received 2024-08-30 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: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX Yo this is crazy about these accounts. Im not gon na pay these accounts I'm super broke, now or in the future. Thats just how it is. Later,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: OH

Complaint narrative:
These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP 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 2024-08-30 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: CBC Companies, Inc.
State: TX

Complaint narrative:
The following companies are reporting fraudulent activity on my consumer report with Innovis. 

XXXX, XXXX XXXX and XXXX XXXX were provided registered securities for full satisfaction of the account. They have stolen my securities and reported that I owe them a debt. I do not owe them a debt. Further, a charge off is considered income per the IRS and income is not reported to consumer reports. These companies are using my identity to report to a third party which is identity theft and in violation of multiple federal laws. I have not given these financial institutions the authorization to use my identity however they see fit. This is a federal crime to do so. It is a federal crime to claim that a consumer owes a debt when in fact that consumer does not. I am willing to overlook the role Innovis has played in these fraudulent activities as long as the company deletes the information and ceases selling and/or sharing my identity or any other information contained in this consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and 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 non-monetary relief
Consumer complaint received 2024-08-30 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 was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
A collection was added to my file between XXXX XXXX and XXXX XXXX, 2024 from Sequium Asset Solutions, the original creditor was XXXX. I do not have an account with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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