vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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: 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. 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 non-monetary relief
Consumer complaint received 2024-06-15 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.

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 2024-06-14 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: NJ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: ID

Complaint narrative:
I was at XXXX XXXX XXXX in XXXX, Idaho, on XX/XX/year>. I had either a XXXX XXXX or XXXX  done ( I think that's what it was ). I have never received a bill from them so I thought insurance covered it all. Then on Monday, XX/XX/XXXX, I received a letter from a collection agency saying I owed {$300.00} to XXXX XXXX. I called XXXX XXXX as I have never had a bill sent to me in XXXX months from XXXX. They stated that they send all their bills through email and they had sent it to my old email and not my new. The person in the hospital billing department said that both my old email and my current email were on file. I was told that, that was the only way they send bills. 

I had argued with them because I know that I've received past bills through the mail from them. Now they are telling me I owe a additional {$620.00} for my last test at their hospital last month. I don't know whats going on but this doesn't sound right. Seeing as they had my correct email on file, they should have tried that XXXX or mailed me directly in regards to the bill, before sending it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 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 in XX/XX/year> 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer 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 explanation
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
I requested investigation through the original creditor, XXXX XXXX regarding account number XXXX because they stated that I owed the amounts of {$18000.00}, {$17000.00} and most recently a settlement amount of {$14000.00}. They have inaccurately reported these amounts, which is a violation of FDCPA. I have been working with XXXX diligently since XXXX of XXXX these amounts corrected and removed from my credit report. I requested record of payments, purchase contract to compare payments. At this time, I was working with XXXX ( a representative ) who stated that I would have to send in a letter for reversal. Who was not able to assist me. According to 15 USC 1681 ( 5 ) creditors are supposed to modify accounts that arent reporting correctly. I have made 1 recent attempt to have this account removed dated XX/XX/XXXX along with other accounts that violate FDCP consumer laws.

15 U.S.C 1681 section 602 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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

Also, they are not in compliance with XXXX XXXX reporting. I have evidence to prove my case.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested investigation through the original creditor, XXXX XXXX regarding account number XXXX because they stated that I owed the amounts of {$18000.00}, {$17000.00} and most recently a settlement amount of {$14000.00}. They have inaccurately reported these amounts, which is a violation of FDCPA. I have been working with XXXX diligently since XXXX of XXXX these amounts corrected and removed from my credit report. I requested record of payments, purchase contract to compare payments. At this time, I was working with XXXX ( a representative ) who stated that I would have to send in a letter for reversal. Who was not able to assist me. According to 15 USC 1681 ( 5 ) creditors are supposed to modify accounts that arent reporting correctly. I have made 1 recent attempt to have this account removed dated XX/XX/XXXX along with other accounts that violate FDCP consumer laws.

15 U.S.C 1681 section 602 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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

Also, they are not in compliance with Metro 2 reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
I requested investigation through the original creditor, XXXX XXXX regarding account number XXXX because they stated that I owed the amounts of {$18000.00}, {$17000.00} and most recently a settlement amount of {$14000.00}. They have inaccurately reported these amounts, which is a violation of FDCPA. I have been working with XXXX diligently since XXXX of XXXX these amounts corrected and removed from my credit report. I requested record of payments, purchase contract to compare payments. At this time, I was working with XXXX ( a representative ) who stated that I would have to send in a letter for reversal. Who was not able to assist me. According to 15 USC 1681 ( 5 ) creditors are supposed to modify accounts that arent reporting correctly. I have made 1 recent attempt to have this account removed dated XX/XX/XXXX along with other accounts that violate FDCP consumer laws.

15 U.S.C 1681 section 602 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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

Also, they are not in compliance with Metro 2 reporting. I have evidence to prove my case.

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 2024-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Lender ordered an appraisal from XXXX  biased appraiser that undervalues homes in XXXX XXXX. The result was a denial of my loan. Loan was applied for in XX/XX/XXXX. I received copy of appraisal XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
My account with these company 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 in MONTHS REPORTING LATE 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
30 days ago I sent a letter to XXXX that I was concern about the validity and accuracy of there investigation, of the accounts of XXXX XXXX  # XXXX. XXXX XXXX # XXXX ) XXXX XXXX  # XXXX ) XXXX XXXX # XXXX that these accounts are not reporting LEGALLY. I received a response letter stating that your investigations was completed, PLEASE EXPLAIN TO ME WHAT YOUR REPRESENTATIVES UNCOVERD ) HOW YOUR INVESTIGATION WAS CONDUCTED AND WHAT LEAD THEM TO BELIEVE THAT THE ITEMS ARE REPORTING LEGALLY ON MY CREDIT REPORT # 1 ) WHAT CERTIFIED DOCUMENTS WERE RECEIVED TO CONCLUDE YOUR INVESTIGATION ) PLEASE PROVIDE ME A COMPLETE COPY OF ALL INFORMATION OF YOUR INVESTIGATION THAT WAS TRANSMITTED TO THE DATA FURNISHER, AS PART OF YOUR INVESTIGATION, WHAT DID IT COST YOUR COMPANY TO OBTAIN THE DOCUMENTS. NEEDED TO COMPLETE YOUR INVESTIGATION. PLEASE PROVIDE PROOF OF YOUR TIMELY PROCUREMENT OF CERTIFIED DOCUMENTS. AND DID YOU DIRECTLY SPEAK TO ANY AGENT.THAT WAS REPORTING THE ACCURACY THAT YOU ARE REPORTING IF YOU REPLY YES TO THE ABOVE WHO DID YOU SPEAK TO? WHAT WAS THE DATE AND TIME.HOW long WAS THE CONVERSATION WHAT WAS THERE POSITION. WHAT NUMBER DID YOU CALL I REQUEST A NOTORIZE AFFIDAVIT CONFIRMING THE INFORMATION PROVIDED IS TRUE AND CORRECT UNDER FEDERAL LAW IF YOU ARE NOT ABLE TO PROVIDE THIS INFORMATION REPORTING ON MY CREDIT REPORT PLEASE DELETE AND SEND ME A COPY OF 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 non-monetary relief
Consumer complaint received 2024-06-14 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
I refinanced my home on XX/XX/XXXX. I called Pennymac on XX/XX/XXXX to ask when I should receive my final payment and was told that my account was reviewed on XX/XX/XXXX and that I should receive my check 5 to 10 business days after that. I called back on XX/XX/XXXX to ask why I had not received my final payment and wasnt really given an answer, but told that my check would be overnighted to me. I called again on XX/XX/XXXX because I still have not received my final payment and was told again that the check had not been processed but would be processed on XX/XX/XXXX and I would receive the check by XX/XX/XXXX. This is well past the 20 days Pennymac had to send the check and I still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
I looked at my report on XX/XX/2024 and noticed somethings are incomplete and not accurate. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 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, I sent a letter asking them to reinvestigate these accounts listed below : XXXX  XXXX XXXX -ACCT XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX  XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

I GOT THE REINVESTIGATION BACK, BUT NOTICED NOTHING WAS MODIFIED OR UPDATED. 

SO I REQUESTED A DESCRIPTION OF THE REINVESTIGATION AND THEY DO NOT PROVIDE IT TO ME WHICH IS A VIOLIATION OF 15 USC 1681i7.

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 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Ive been getting unknown calls for months and noticed on my credit that my score went down and Im not aware of why it was. So I did my research and noticed multiple cards in my name and I didnt open any accounts up.

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 2024-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I paid my loan off in full with Mohela approximately XXXX of this year. 

Mohela made an autopayment from my checking account after I paid in full- the account overpaid, and I was owed money. 

Mohela said the money will be returned to me within 6 months. 

Mohela 's new portal has no history of payments, says my loans are paid in full, does not show the overpayment. Mohela continues to owe me money and does not have any records of my payments and the overpayment available. 

I want my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation