vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: VA

Complaint narrative:
This collection agency has recently been reaching out to me regarding " my account '' and how to fix it. I do not have collections with this account, nor have I provided them with any personal information. They have sent numerous e-mails as well that are stating they are trying to collect money owed to XXXX, however, according to my credit report ( all credit bureau 's ) the collections were not sold to this company nor was my permission for personal information ever given to this company. In these e-mail they give phone numbers to call and when searched, they have no affiliation with the company, they are spam numbers. In the e-mails they will attach a document with " your information '' but will not let you open the document until you enter the last 4 of you SSN, which seems very shady. They will call off of unknown number with your state 's area code to prompt you to answer and also harass your family members/work. I have blocked their e-mails but we have not had luck with their calls to stop. I have attached the most recent documents containing this information. 

Numbers they have contacted me/my family members at include : ( XXXX ) XXXX - contacted my mother and my work XX/XX/year> ( XXXX ) XXXX - contacted me, my father, and my step mother XX/XX/year> ( most we have already deleted, but these are most recent ) Numbers they have left for contact : ( XXXX ) XXXX ( XXXX ) XXXX

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX, Hurricane XXXX passed through Florida which I was affected by that, in my payments in XXXX I asked XXXX Bank for a forbearance and they said that no more documents are needed, the system put it as approved and today on the page XXXX Bank 's internet says they need a document, the communication is bad and they don't want to help the client, because I was recently approved by social security for XXXX and they are slow to send me a large sum that social security for XXXX owes me, I need you to XXXX bank help me modify my lowest payments

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 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I put in a fraud dispute on a charge to my account. This company moved the charge then months later added it back. I called the company and told them I didnt do it. They then asked me to get in contact with the merchant and prove that transaction wasnt me. I called the merchant and only got foreigners to answer who directed me to send a email. I sent 2 emails requesting merchant to prove that this was me and my transactions being that I have not used that merchant in years under my account XXXX never responded. I then sent several emails with screenshots of the merchants charges and responses of which I never gave, and they still managed to charge me the fee. Which is now reflecting on my credit report. I kept submitting an email for the issue however, they no response.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Review feedback submitted to complaint XXXX and forward appropriate information to relevant parties- if this complaint is nor addressable by XXXX XXXX  XXXX XXXX the complaint needs to be resolved with Ford Motor Company XXXX Per CFPB authorization and delegated authority, it is within the scope of operation that this matter continue to be addressed and the complaint re-opened. 

Ford Motor Company provided incomplete information, as the recall has not yet been serviced due to limited service availability, and is not scheduled to be performed until XX/XX/year>. Statements made by Ford and XXXX are incomplete and require further review and discovery. Based on provided marketing information and vehicle information at the time of purchase, Ford Motor Company has failed to meet the terms of the purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I received a letter stating that I was going to be taken to court by an auto loan company when the debt was already settled and I felt as though that was traumatizing they have received their money and the debt was settled

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against SoFi regarding an unjust and abrupt freeze on my account, which has placed me in a financially and emotionally distressing situation. 

My husband attempted to transfer funds via XXXX to my SoFi account to cover our rent payment. Following this transfer, SoFi froze my account without warning. I immediately contacted customer service, fully verified my identity, and my husband verified his identity as welldespite not being a SoFi customer. He explicitly confirmed the transfer amount, its purpose, and even offered to forward the email confirmation from his bank ( XXXX XXXX ) to support the transactions legitimacy. 

Despite complying with all verification procedures, SoFi failed to provide a clear time frame for resolving the account freeze. My funds remain inaccessible, including my direct deposits, and my rent is due on the 1st. I can not afford late fees caused by SoFis actions.

I requested to speak with a supervisor and was denied. I also asked to close my account and have my balance sent via check, but this was refused as well. 

I have never been late on rent in my life, and I am now at risk of being late due to SoFis mishandling of this situation. I am a mother of twins with XXXX, both on the high end of the spectrum, and maintaining stability is critical for my family. This unjustified freeze on my account has caused unnecessary stress and disruption. 

I am requesting immediate action to release my funds and expedite the resolution of this issue. I expect this complaint to be taken seriously and reviewed promptly. 

Sincerely, XXXX 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: 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: IL

Complaint narrative:
I recently reached out to Experian in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. Experian only corrected a portion of it and has continued to report the same inaccurate information. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to XXXX XXXX XXXX XXXX, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX. XXXX for reporting inaccurate information on my credit reports. Specifically, they have reported missed payments, late payments, and an incorrect balance owed. The balance reported is significantly higher than what I actually owe, and I have never made a late payment on this account. Despite my efforts to dispute and correct this information, it remains inaccurate, which is damaging my credit profile and violating federal law. 

Details of the Issue : Incorrect Balance Owed : The balance listed on my credit report is {$170000.00}, which is incorrect. The true amount I owe is significantly less than this amount. The reported balance does not reflect the accurate debt. 
Inaccurate Reporting of Payments : The account history shows missed payments and late payments, which are completely inaccurate. I have never missed a payment or made a late payment for this account. I have consistently paid on time, and this misrepresentation is harming my credit score. 
Failure to Correct Discrepancies : I have already disputed these issues with the credit reporting agencies, but the information has not been updated or corrected by XXXX. XXXX, and the inaccuracies remain on my credit report. 
Violations : Failure to Report Accurate Information : XXXX. XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate account details, including the balance owed and payment history. 
Damage to XXXX : The incorrect reporting of missed and late payments, as well as the inflated balance, is negatively impacting my credit score and making it more difficult for me to manage my financial affairs. 
Failure to Correct Disputes : Despite my efforts to dispute the inaccurate information, XXXX. XXXX has failed to correct the errors or provide adequate validation of the reported debt, violating my rights under the FCRA. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following : The inaccuracies in the balance owed and payment history reported by XXXX. XXXX. 
The failure of XXXX. XXXX to correct the disputed information after being notified of the errors. 
The violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly the requirement to report accurate and complete information. 
Appropriate action to ensure that XXXX. XXXX updates the account information to reflect the correct balance owed and accurate payment history. 
I have supporting documentation available, including credit reports showing the discrepancies, proof of payments, and any dispute correspondence. Please let me know if you require additional information to assist with your investigation. 

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

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Have deposited funds through XX/XX/year>XXXX  into health savings account. PNC is denying my getting reimbursed for receipts dated after XX/XX/year>. 

Current account balance is {$1200.00}. 

They sent me email on XX/XX/year>XXXX  stating that I have account funds access. Tried to request reimbursement today and still getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: New Hampshire Northeast Credit Services, Inc.
State: NH

Complaint narrative:
I called today ( XX/XX/year> ) at XXXX to figure out and understand my options for a bill I did not know that I had that was sent to collection agency. The bill was for a total of {$490.00} for well child visits for my XXXX  daughter. The representative used extremely abusive language. When I asked her to please stop being rude and abrasive, she became irate and out of control. I struggle with auditory processing so it takes me a little longer to understand things. She continued to raise her voice at me and said well heres me being more abrasive! Which is a very threatening verbiage and should not be used especially when I was in no way trying to be difficult. Just trying to get my ducks in a row with how to handle the bill. I do believe abusive language is not allowed in this type of profession and I think she needs to be subjected to disciplinary action. This representative is employed at New Hampshire/Northeast Credit Services .

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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief