vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
we had auto pay set up and stopped by error @ the American express they didn't note me and they reported a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$210.00} XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$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 non-monetary relief
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: CA

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Unverified Debts on Credit Report by TransUnion and Third-Party Debt Collectors Dear XXXX I am filing a formal complaint against TransUnion and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, TransUnion has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law.

Details of the Accounts and Collection Companies : 1. XXXX  XXXX XXXX {$290.00} 2. Credit collections {$570.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to TransUnion and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with TransUnion, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, TransUnion has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues : TransUnions failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ). The illegal collection practices by the aforemen
tioned third-party debt collectors attempting to collect debts I do not owe.

The removal of these accounts from my credit report if proper verification is not provided.

An investigation into whether these companies have violated federal regulations, including penalties if applicable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
Subject : Complaint Regarding Unverified Debts on Credit Report by XXXX and Third-Party Debt Collectors Dear XXXX, I am filing a formal complaint against XXXX and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, XXXX has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law. 

Details of the Accounts and Collection Companies : 1. national credit adjustment {$290.00} 2. Credit collections {$570.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to XXXX and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with XXXX, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, XXXX has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues : TransUnions failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ).

The illegal collection practices by the afo
rementioned third-party debt collectors attempting to collect debts I do not owe.

The removal of these accounts from my credit report if proper verification is not provided.

An investigation into whether these companies have violated federal regulations, including penalties if applicable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I don't have the exact date but it was between the timeline that was put up, I was with Lexington law and I felt they wasn't helping my credit but I was paying monthly and I tried to cancel I don't know if it went thru but they did nothing for my credit If u look up my SS u will see my info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian continues to illegally report information on my credit report that is not true per 15 USC 1681c2. I have submitted affidavits, filed Identity Theft Reports, and sent Experian ALL of this information through certified mail received on XX/XX/XXXX, via the CFPB twice, and now once again through another complaint with the CFPB. I have also now submitted a complaint through my States Attorney Generals office against Experian as well for violating the law. Today, XX/XX/XXXX, I received a notification from Experian that my dispute was received regarding my recent complaint to the CFPB. I then received another notification, within the same hour stating that it was resolved for report # XXXX and that it remained. Then I received yet another letter from Experian in the next hour stating that it had been blocked and removed, yet when I check it is still there and on my report almost 10 days now after Experian received the original complaint. The account in question should have been removed, which Experian sent 2 letters now stating that they did, but it has not. Please see all proof of all documentation, dates, and communication attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OK

Complaint narrative:
According to an official letter from Mohela sent to me, my Teacher Loan Forgiveness application ( TLFA ) for the amount of {$17000.00} was submitted to the XXXX XXXX XXXX for discharge on XX/XX/year>. When I reached out to Mohela, they informed me that the XXXX XXXX XXXX  needs 90 business days to provide its final approval for student loan discharge, beginning from the date that Mohela sent the letter on XX/XX/year>. Mohela informed me that the 90 business days would conclude on XX/XX/XXXX in reply to my inquiry for a definite date. They also mentioned, " Once we obtain the XXXX XXXX XXXX XXXX approval, it will require us an extra 90 days to discharge the loan. '' The self-imposed deadline set by Mohela has passed ; nonetheless, Mohela still delays in processing my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Company states I owe for a gym membership in XXXX  in XX/XX/XXXX. I had closed this gym membership is XX/XX/XXXX when the Pandemic lock down was initiated and gyms were closed down. I do not owe this amount or anything to any parties involved as I have proof I moved out of state to California in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Credit Reporting Agencies, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX Account # XXXX to your agency, [ ExperianXXXX ] XXXX and XXXX believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX Account # XXXX regarding this account should not be included in my consumer credit report. 
Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 
Requested Documentation : In order for XXXX XXXX XXXX Account # XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
I am submitting this complaint as a follow-up to my previous complaints ( Reference Number : XXXX & XXXX ), regarding issues with the origination and handling of my FHA loan. While reviewing my loan process, I have identified an additional significant issue that I did not include in my initial complaint ( s ) : the omission of the HUD/VA Addendum to the Uniform Residential Loan Application ( Form 92900-A ) prior to my loan closing.

Details of the Issue : I was not provided with the HUD Addendum, which is required to be signed prior to closing under FHA guidelines, until five days after closing.

The HUD Addendum is a critical document that certifies compliance with FHA loan regulations and ensures borrower protections. Without it, I was unable to fully understand or acknowledge the terms of my FHA loan at the time of closing.

This omission demonstrates non-compliance with FHA requirements and raises concerns about the integrity of the loan process.

How This Affects Me : This failure to provide the HUD Addendum in a timely manner : Compromised my ability to make informed decisions during the loan process.

Reflects a broader pattern of non-compliance and mismanagement by the lender, as outlined in my prior complaints.

Could expose my loan to potential future risks, such as issues with FHA insurance or resale complications.

Resolution Sought : I request that the CFPB : Investigate the lenders failure to provide the HUD Addendum prior to closing as required by FHA guidelines.

Review the lenders overall compliance with FHA regulations in my loan process.

Require the lender to address any harm caused by their actions and take corrective measures to prevent similar issues for other borrowers.

I am attaching the HUD Addendum and proof to support my claim. Please let me know if additional information is required to process this complaint. 

The previous response from the company insinuated that I was not encouraged to close on the loan without the receipts. When I asked about the receipts before signing, both XXXX and XXXX collectively said, ask the sellers about it after you sign, they'll be in the other room. Given that the HUD document was left out raises red flags and looks more like the goal was to get me to sign without the repairs ( required by FHA standards ) and misrepresent the process and requirements, so that they could close the loan and get paid as soon as possible. 

Also I have proof that XXXX immediately recommended XXXX on the same day I first spoke to her regarding my search ( XX/XX/year> ). I did not ask or request a realtor, she asked me and sent me XXXX 's information. This further proves the company is not being truthful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: DISCOVER BANK
State: MN

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
i put my checks into account at the cafe in XXXX or and i never got the refund of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am showing a collection on my credit report from " XXXX ''. This is account was inaccurately placed on my credit report to which I requested that it be removed. The XXXX  payment was completed and submitted to their company directly BEFORE this was sent to the credit bureaus for collection. This account was already paid off. It has not been removed from my credit report. I also contacted a representative by phone in regards to this account. I need this removed as it is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL 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 non-monetary relief