vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
This is my last and final correspondence to your non-compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of accounts that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the accounts n question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. I have attached an invoice for violations. Please remit payment to address on invoice. Please investigate and remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
As a florida resident, I was frivolously excluded from the class action lawsuit providing relief, restitution and/or waivers to XXXX XXXX XXXX over a violation in consumer protection laws with regards to excessive fees, charges, and costs not made transparent to the borrower. I have now paid this loan 3 times over and the company has refused resolve. My next course of action will be civil litigation, in which I will not only request a waiver of the balance, but compensatory damages as a XXXX XXXX XXXXXXXX vet stressed from their unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MD

Complaint narrative:
For months, I have been in contact with U.S. Bank regarding a payment of {$32000.00} that was instructed to be disbursed to me. However, they only deposited {$22000.00} into my account, citing internal miscalculations. Despite my efforts over the course of at least 6 months, we have ceased to resolve this matter through various communications, I have encountered persistent inconsistencies and misleading information from U.S. Bank. 

Initially, U.S. Bank informed me that only {$22000.00} had been deposited. Subsequently, their records indicated a payment of {$27000.00}, which still did not match the originally stipulated amount of {$32000.00}. Finally, they stated that the entire {$32000.00} had been deposited, yet their figures remain inconsistent with what was expected. 

These discrepancies have caused undue frustration and concern. I kindly request your assistance in facilitating a resolution to ensure that I receive the correct payment amount as initially instructed. 

Thank you for your attention to this matter. I look forward to your prompt response and a swift resolution.

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 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
This charge has been in dispute since XX/XX/year>. XXXX financial has closed the dispute without providing the documentation to me to attempt figure out how and what this charge is. I have requested any/all documentation provided by the entity that charged my card MULTIPLE times. In order for me to understand what the charge is and how it occurred, I need to see all of the response documentation that was provided by the entity that charged my card. I did not authorize the charge ( {$4800.00} ). XXXX is nonresponsive to me the consumer and has been very fast to side with the merchant charging my card without authorization ( this dispute has been resubmitted MULTIPLE times due to their error and lack of communication ). Thier flow seems to be to disregarded the responses I sent via fax ( I have a fax receipt ) as not received then close the dispute. They now have put my account into collections for this unresolved dispute amount of {$4800.00}. This company is EXTREMELY unorganized. This company is damaging my credit for a charge that was NOT authorzied.

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 2024-07-05 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: IN

Complaint narrative:
I didn't authorize these hard inquires thats on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: IN

Complaint narrative:
I didn't authorize these hard inquires thats on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

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

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent a lot of previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

This CFPB complaint has been filed to request pursuant to XXXX XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number XXXX, a personal loan opened aXXXX XXXX  on XX/XX/year> under account number XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. 

I have attached a copy of XXXX Identity Theft Criminal Complaint # XXXX as proof from the U.SXXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute the recent threat of XXXX on my property. This action appears to be based on alleged non-payment, despite my consistent efforts to resume payments following a forbearance period and ongoing attempts to resolve payment processing issues. 

Background In XX/XX/XXXX, my mortgage entered a XXXX program due to financial hardship caused by XXXX XXXX. The XXXX agreement covered the period from XX/XX/XXXX to XXXX XXXX XX/XX/XXXX, I contacted you to confirm the plan for repaying the deferred amount during forbearance. We agreed that the deferred amount would be added to the back end of the loan since I didn't qualify for a XXXX XXXX. 
Following the forbearance conclusion in XX/XX/XXXX, I resumed making monthly payments as instructed in the amount of {$2200.00}, starting in XX/XX/XXXX. 

XXXX XXXX and XXXX Attempts Since XX/XX/XXXX, I have successfully made monthly mortgage payments as required. The payments are being returned to me, seemingly unapplied to my account. 
I have attempted to contact your company by phone on multiple occasions to resolve this issue. However, after numerous calls with unanswered rings, I finally reached a representative on XX/XX/XXXX. 
During this conversation, the representative acknowledged the phone system issues and informed me that my house was in danger of XXXX due to XXXX 
I explained the forbearance agreement, my consistent payments since XXXX, and the returned payments. Unfortunately, the representative could not provide a clear explanation. 

Request for XXXX I am deeply concerned about the potential foreclosure on my home, especially given my consistent efforts to make payments. 


Documentation I have attached copies of the following documents for your reference : XXXX Agreement Payment Records ( including receipts or bank statements showing returned payments ) XXXX XXXX XXXX Letter ( dated XX/XX/XXXX ) Additional Information The XXXX XXXX XXXXXXXX letter indicates the current value of my home is {$520000.00}. This valuation should be considered in relation to the ongoing requirement for private mortgage insurance ( PMI ). Given the increased value and the likelihood that the XXXX ratio is now below XXXX XXXX, I request a review of the PMI requirement and potential cancellation since I'm still expected to pay it despite having received notification that the loan dropped below the ratio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have asked experian multiple times in writing with proper identification and supporting information provide me information about how they are calculating my credit for. My credit score with experience is almost XXXX points less than XXXX and XXXX. The same information is XXXX both of my credit reports they all mirror each other. Experian has my credit report in the XXXX when with XXXX and XXXX it is almost XXXX. There is no collection differences there is no information that is different on my credit cards everything is exactly the same. I even signed up for boost with experience and they have all my information and yet they never update accordingly. I want you to know how it's calculated and I want the calculation to reflect what is required by law. I feel I am being discriminated against because I am a XXXX XXXX and my XXXX XXXX XXXXXXXX XXXX. They are also retaliating against me because of the complaints that I have filed with them.

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 2024-07-05 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:
Credit Agency has allowed creditors to report payment history lates on my consumer report without my consent per U S Code 15 1681 and 1666b. I am asking for proof of my written consent. Per U S Code 6801 protection of non public information. The reporting of inaccurate information. I am asking that all illegally reported lates be updated to paid in full or removed. I am asking XXXX XXXX XX/XX/year> a collection that is reporting as a open account with a balance be removed immediately per U S Code 1681 inaccurate reporting also XXXX XXXX XX/XX/year> another collection reporting as open with a balance. Willful complaince will result in legal actions requesting XXXX per FCRA violation. I am also requesting a letter of validation and verification for the Bankruptcy reported on my consumer report as the courthouse listed does not report to credit agencies again another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in those account to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This address XXXX XXXX XXXX XXXX NY XXXX doesn't belong on my credit report and it's a fraudulent address and a fraudulent account is also associated with my credit report that docent belong on my reports either.This is a violation to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. this is violating my consumer rights and is unlawful I'm requesting for this account to be removed immediately off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NJ

Complaint narrative:
This address XXXX XXXX XXXX XXXX NY XXXX doesn't belong on my credit report and it's a fraudulent address and a fraudulent account is also associated with my credit report that docent belong on my reports either.This is a violation to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. this is violating my consumer rights and is unlawful I'm requesting for this account to be removed immediately off my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief