vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Brock & Scott, PLLC
State: MD

Complaint narrative:
I sent a debt validation letter to XXXXXXXX XXXX as well as Brock and Scott on XX/XX/XXXX via CFPB. The reference number is XXXX. I was not sent validation in it completion.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 2024-07-05 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: CO

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 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TN

Complaint narrative:
This appeared on my credit report In XXXX. I sent them a debt validation letter. They sent me information showing g this was a loan for XXXX it was taken out in my maiden name and from an old address. I have not used my maiden name since XXXX and also have not lived at this address since XXXX. I have not received any deposit from XXXX and can prove that. Someone took this loan out without my knowledge. I am asking g it be removed. They can find out who took it out by looking at where it was deposited. I'd also like to know because if someone has opened another bank account or something like that I need to know that so I can also report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX XXXX a collection notice was received to mine and my family members regarding a debt that is invalid. Started a year to year lease XX/XX/XXXX & expires XX/XX/XXXX & went Month to Month thru XX/XX/XXXX. A year later I received a collection amount for {$3500.00} for an early termination. I NEVER renewed nor signed for a XXXX  month lease, therefore, it automatically renews to a Month to Month Lease. The actions of XXXX XXXX XXXX is now resulting in negative consequences in the purchase of a home and negative credit information. I have repeatedly made phone calls to XXXX XXXX the property manger at said apartments to no avail in resolution to this matter. He repeatedly stated that " No one in his office will take accountability to wrong doing '' I have asked serveral times for XXXX XXXX XXXX to show me a signed XXXX  month lease for XXXX and he also stated he does not have one and the only thing for me to do is dispute it with the credit bureaus.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have concern in regards to accounts that are being reported in my credit report. I actually got my credit report from Equifax, XXXX and XXXX but accounts from DEPTEDXXXX with account number of XXXX are being reported late XXXX days but based on my report these should be not reported as XXXX  days late hence removal is a must.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have informed Navient this is an fraudulent acct from XXXX from a school I never attended, Navient just keep sending documentation on fraudulent signature, I requested copies of attendance school manuscript all possible information that leads me to this school. Navient is constantly increasing my balance due to interest since XXXX, when the balance beginning was {$1900.00} as of XX/XX/XXXX its now {$16000.00}. I have been dealing with Navient since I started receiving these documentations of fraudulent sending in my signature which they required, Navient requested I get a police report from 25 years ago which I stated I didn't know of a fraudulent crime was committed until they have provided me with documentation, I have completely worked with Navient to solve this matter because it is affecting my credit report and it is well over due for deletion. Navient has just ignored my responses to this matter and have remain charging me interest which is constantly increasing. 
Thank you.

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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are some hard inquiries on my credit report that were not authorized by me.

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 — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
There are some hard inquiries on my credit report that were not authorized by me.

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: MA

Complaint narrative:
I made a payment on my card on XX/XX/XXXX but I had an automatic payment that was scheduled on XX/XX/XXXX. on XX/XX/XXXX I called the bank and asked to cancel the duplicate payment. I was told this process will take 3-6 business days, the money will be back to my checking account on XX/XX/XXXX. It did not happen. On XXXX I called the bank I was told it will be there on XXXX. Every time I called I got something new. I had filed a dispute with my eastern bank ( checking account ) which costs me {$35.00} dollars. Today I had called credit card company 5 times I was transferred to Elan credit card manager ( Eastern bank ) who told me there is nothing they can do for me. The money is not going back to my checking account as I requested. They will keep it. I believe I am entitled to request the adding payment to be reversed to my checking account and there should not be any problem. Apparently, I was told no. There is no policy I signed that mentioned if customer made a duplicate payment to their bill by mistake they are not going to refund the money nor reverse it to the bank. I believe this is abuse and bad business. I need my money back to my checking account.

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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.

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 — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) 15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed! And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report. 

A Charged Off turns into a certificate of indebtedness Charge offs become income according to the IRS XXXX XXXX XXXX only apply to my income tax so remove immediately!!!!

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

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 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 2024-07-05 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: CA

Complaint narrative:
I disputed the validity of the information on Equifax and XXXX credit reports pertaining to XXXX XXXX XXXX being inaccurate, unverifiable payment history and balance reporting on my credit reports from both of these agencies and requested that it be deleted in alignment with FCRA. The disputes were submitted through XXXX XXXX website on XX/XX/2024 and neither company has responded or deleted the account from my credit report in the 30 to 45 days of receiving the dispute. The error that is reporting inaccurate has directly affected my ability to be fairly evaluated for credit, housing and employment.

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: IL

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I'm in the process of buying a housed I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.

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 — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint narrative:
I was unable to activate the debit card received by mail so was forced to call customer support multiple times. One call I was disconnected. I suspect the representative ended the call on her end, however, I learned later they accused me of disconnecting the call. As a result they locked me out of online access to my assets. Demanded excessive personal information over the phone. Demanded that I verify myself at a branch in person. All in the name of " security. '' This is clearly not about security, IT IS ABOUT HARASSMENT! I am trying to liquidate my assets and withdraw all funds, but they refuse my access to my own account and online banking. Without online access, cut off without warning, I don't even have access to such basic information as account balances or account numbers. This includes access to my Schwab banking account and brokerage assets. I WANT TO MAKE THIS PERFECTLY CLEAR. I CAN NOT EVEN PROVIDE MY ACCOUNT NUMBER SINCE I CAN NOT ACCESS MY ACCOUNT. AS WELL, I AM UNABLE TO ACCESS MY STATEMENTS FOR SUCH INFORMATION SINCE THEY ARE ONLY ACCESSIBLE TO ME ONLINE. IN SHORT, THEY ARBITRARILY, THROUGH ONE OBNOXIOUS/BELLIGERENT REP, CUT ME OFF FROM ALL ACCESS TO MY MONEY AND THE INFORMATION CONNECTED TO IT!

Addendum : I have subsequently been instructed that I will need to travel 80 miles to the closest schwab branch to personally verify my identity. PURE HARASSMENT PLAIN AND SIMPLE. Access to the account was cutoff with no warning under flimsy justification. I am XXXX and XXXX XXXXXXXX XXXX. How am I supposed to travel XXXX miles, two ways, to gain access to my account that I've had without issue when funding it, in order to get access to my roughly {$200.00} schwab is holding hostage? This account was transferred from an XXXX account that I maintained for many years. Now suddenly my identity is in question. Nothing seems a little fishy or fraudulent about that?

Company response to consumer: Closed with explanation