vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX Account # XXXX Amount : {$2900.00} XXXX XXXX Account # XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all forms of communication.

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 2024-10-23 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: FL

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I have already filed a complaint with the Federal Trade Commission ( FTC ), under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from fraudulent activities and inaccurate information on their credit reports.

As a result of this identity theft, my credit report contains several negative and inaccurate accounts that do not belong to me. Under 15 U.S. Code 1681c-2 ( FCRA ), I request that these fraudulent and inaccurate accounts be blocked, deleted, or updated accordingly. This law allows victims of identity theft to request the removal of fraudulent information from their credit reports once they have submitted proof of identity theft, such as an FTC Identity Theft Report, which I am happy to provide. 

Furthermore, I invoke my rights under the Fair Credit Billing Act ( FCBA ), which entitles me to dispute incorrect charges and have them removed from my credit file.

Please take prompt action in ensuring that these fraudulent and inaccurate accounts are corrected or removed from my credit report. If you need any additional documentation, I am more than willing to provide it.

Thank you for your time and assistance in this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I have already filed a complaint with the Federal Trade Commission ( FTC ), under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from fraudulent activities and inaccurate information on their credit reports.

As a result of this identity theft, my credit report contains several negative and inaccurate accounts that do not belong to me. Under 15 U.S. Code 1681c-2 ( FCRA ), I request that these fraudulent and inaccurate accounts be blocked, deleted, or updated accordingly. This law allows victims of identity theft to request the removal of fraudulent information from their credit reports once they have submitted proof of identity theft, such as an FTC Identity Theft Report, which I am happy to provide.

Furthermore, I invoke my rights under the Fair Credit Billing Act ( FCBA ), which entitles me to dispute incorrect charges and have them removed from my credit file.

Please take prompt action in ensuring that these fraudulent and inaccurate accounts are corrected or removed from my credit report. If you need any additional documentation, I am more than willing to provide it.

Thank you for your time and assistance in this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Used XXXX offered in Wells Fargo Online banking by debating my checking account.

No protection to consumer.

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 2024-10-23 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: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
On XX/XX/XXXX, a national disaster FEMA XXXX negatively affected my business XXXX XXXX XXXX XXXX XXXX I own and operated remotely from Florida . The negative impact my finances. 

I read from HUD website I could get relief and on XX/XX/XXXX I began application for a forbearance. The process finished and I got approved for 3 months plan. 

On XX/XX/XXXX I called back explaining my Fiancial situation improved and I was ready to make payments starting XX/XX/XXXX. The mortgage representative assured me over the phone that the payments could be deferred toward the end of the loan. I asked I was required to make a payment. I was told it wasnt needed. 

I was also not told about any negative credit marks and XXXX XXXX XXXX  Was made aware that Becuse of a disaster I would qualify for a defaral without negative credit impact, however the mortgage agent misled me and later a 90 day late negative mark hit my credit. I tried to dispute with the mortgage company and credit bureau without success.

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 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2024-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
There is a recording that was sent to XXXX XXXX, in all fairness to the employee, i will not upload it with this complaint. This recording was Tuesday XX/XX/XXXX aXXXX XXXX XXXX, XXXX called me on XX/XX/XXXX to tell me that the modification was denied. When we discussed making a payment before the end of the month, no late charge was discussed, so based on you i reached out to a friend and borrowed just enough to make the payment before the end of month and now you are telling me that i will still be late because my payment will go to the late charge before anything so i am still short on my payment. I am not upset because I was denied, I think it's unfair and eventually unless something changes, this loan will go in default or some other method of working through it. I am upset because you and the other lady last year kept telling me things that weren't true and then when it blew up in my face you told me that you didn't know. How do you expect me to know the rules of your company, i thought we were talking to resolve the issues, but every month you and the other lady told me this would be a permanent deviation and then when that didn't happen I was told oh the next one will be, this went on for 12 months. I don't like feeling like I have been treated like a fool. I have tried to work out something with the XXXX, Tennessee team and I was mislead and other options that were available to me before, are not now. They didn't do anything to assist me when I was laid off from my job and as I try to rebuild, they aren't doing anything to assist me. And every time i think we have this under control it blows up in my face, and all i was told by the employee, is " I didn't know how the process worked '', then i was called on XX/XX/XXXX and asked if i could pay the remainder of XXXX before the end of month, i said no, i didn't have it. I called a friend o XX/XX/XXXX and they loaned me some of it, the remainder put my account negative with a {$30.00} overdraft fee, so i can't afford the {$9.00} late fee, and XXXX told me that my payment that i borrowed would be applied to the late fee XXXX so my XXXX payment will still be short and i will be reported to the credit bureaus. I am tired of getting partial information from people that don't know there own policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SoLo Funds Inc.
State: WI

Complaint narrative:
Hi CFPB, SoLo Funds is the company I'd like to discuss. 

A couple years ago I opened an account with them with an old email and connected my phone number. I later removed the app and thought I had deleted the account. This last year I opened a new account with a different email and connected my phone number and bank account and began lending. One day after an update I could no longer access the account. Whenever I would select to verify by phone and email one of the codes wouldn't send. My account was essentially stuck with around {$450.00} sitting on it and no way to access it. 

Moving forward I reached out to XXXX as that is their only way of support. They told me that the problem is that two emails are associated with the same phone number so the old email is blocking the verification from being sent to my email. They then said they would report this to their " heads '' to fix by removing the phone number from the old email. It has been 2 months now and I still can not access the account or my money that resides on the account. I have asked them to return all my money to me to the linked bank account and they have continued to ignore my request and seem to be illegally storing my money. I'm not sure where to go from here but I'm hoping you're able to help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX05B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: SC

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-23 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: MD

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-10-23 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: IN

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 explanation