vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC report to support this complaint with the FTC number 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 2024-09-13 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX Flagship Credit Acceptance XXXX XXXX  XXXX XXXX, TX XXXX XXXX RE : Request for Refund of Excess Funds and Inquiry into Legality of Actions XXXX : XXXX To Whom It May Concern, I am writing to formally address the ongoing issue concerning my XXXX XXXX XXXX XXXX ( XXXX : XXXX ). The total price of the vehicle was {$22000.00}. Based on the loan terms, had I owned the vehicle for the full 72 months, I would have paid a total of {$89000.00}. At the time of purchase on XX/XX/XXXX, the vehicle had XXXX miles on the odometer. However, the vehicle was involved in an accident and was declared a total loss on XX/XX/XXXX. 

Per our conversation on XX/XX/XXXX, I should not be responsible for any interest accumulated after the vehicle was declared a total loss. Despite this, Flagship Credit Acceptance has declined to assist me in releasing any remaining funds, causing financial hardship as I need the funds to purchase another vehicle. 

XXXX XXXX XXXX has already issued a payment of {$28000.00} for the vehicle loan, a check for {$8900.00} for XXXX coverage, and an additional {$2200.00} for warranties associated with the vehicle. Flagship Credit Acceptance, however, is attempting to retain all of these funds, despite my requests for assistance. I have recorded conversations regarding this issue and have emailed Flagship Credit Acceptance for further clarification and support, but to no avail. 

Additionally, I have a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, which clearly states that the lien on the vehicle has been fully satisfied. I am attaching all relevant documents, including this letter, as proof of the completed lien and payments made.

I am requesting your assistance in confirming whether the actions taken by Flagship Credit Acceptance are legal and to facilitate the return of any remaining funds that are rightfully owed to me under applicable laws. 

I appreciate your immediate attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX  XXXX Attachments : - Letter from Flagship Credit Acceptance dated XX/XX/XXXX - Insurance payment documentation - Recorded conversation transcript ( if applicable ) - Additional supporting documentation

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 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have had this account for over XXXX  years with a {$12000.00} limit. I have always been in good standing and out of the blue, my account was closed.

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Credit Reporting Error Dispute Account Discharged in Bankruptcy To Whom It May Concern, I am writing to formally dispute the reporting of account number XXXX which is currently being inaccurately reported in my credit profile. 

According to my records and the final ruling of the U.S. Bankruptcy Court, this account was included in a XXXX  XXXX bankruptcy discharge that was finalized on [ Date of Discharge ]. This account should be reported with a status of " Discharged in Bankruptcy '' and a balance of {$0.00}, as per the discharge documentation. 

However, the current credit report shows : Reported Information : No Data Correct Status Required : Discharged in Bankruptcy I respectfully request that Discover Bank investigate this matter and correct the reporting of this account to reflect its true legal status as discharged in bankruptcy. I have attached copies of my bankruptcy discharge documentation, including the relevant schedule of debts and the discharge decree from the court, for your reference and verification. 

Please update the account status in your records and ensure that this correction is also communicated to all credit reporting agencies to which you report. 

I appreciate your prompt attention to this matter and request a written confirmation of the receipt of this letter, as well as an update following your investigation. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OK

Complaint narrative:
My credit report shows a new erroneous balance entry of {$34000.00}, posted by Mohela/XXXX XXXX XXXX, which was reported on XX/XX/year>. When I contacted Mohela right away, they told me that the issue will be fixed in 90 days and that it was a duplicate entry brought on by their move to a new web platform. They claimed that XXXX was to blame for the problem and that they did not experience it, which I told them was unacceptable as it was negatively affecting my credit score. I tried to call XXXX, but I've been on hold for a very long time and they won't answer their phones. Please help me. 

Sincerely, 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 2024-09-13 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare took over my loan services from XXXX XXXX and informed me there would be no change to my loan. Within the first month, they have asked me to acquire a higher amount of flood insurance. I have an elevation certificate for the home already and I do not need flood insurance to begin with, and they are not only refusing to take off the requirement but asking me to get more. The home is appraised at {$76000.00} and the remaining value belongs to the land. Land is not something you insure typically for a residential property. I have taken out a policy for flood insurance for the home for {$150000.00}. It is not right for them to require me to get more a higher level of flood insurance than the home is appraised for, they changed the " requirements '' of the loan which I had already satisfied with my current flood policy, of which I have in writing from the company that they will not be doing. They also have increased, within the first month of servicing my loan, my " estimate '' for my escrow. My taxes have not increased and I purchased the house less than 2 months ago so there will have been no other changes. I believe they are trying to take advantage of me and are wanting to add a {$7500.00} flood policy to my escrow account as well as increasing my escrow account for no apparent reason. I have called their " customer support '' who did not know why they were requiring anything more from me and they were supposed to return my call after looking into it, that did not happen.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I applied for CareCredit for dental services. The original approval amount was {$2500.00} which was reported to my credit for 6 months with no late payments at the time my credit score was XXXX. I utilized {$420.00} of the XXXX. In XXXX of 2024, Care Credit reran my credit and decreased my available credit to {$310.00} which caused the card to report to the credit bureau 90 % usage, which is not accurate causing my credit score to drop from XXXX to XXXX. I received a letter from the company advising delinquent accounts and not enough revolving credit were the reasons for the decrease in the approved credit amount, When I spoke with the representative I asked her dod they approved me with he current scores she advised yes, and couldn't explain why the decrease was necessary, This has caused my score to drop without reason and I have not been late on any of my revolving credit. I also inquired about the payments I have made totaling XXXX and the representative couldn't explain where the payments were being they were on the original credit limit of {$2500.00}

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i recently pulled my credit report and found multiple fradulent accounts that were reporting.Above is attached file of the bank that id like removed from my report.Im currently in the process of looking for a home for my family but ive been faced with this fraudulent account.Please review all my attached documentation and remove account off my report please.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My account with TransUnion 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 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. 


TransUnion 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 non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, reported XXXX fraudulent checks ( {$1900.00} & {$2900.00} ) showing up on online credit card portal to US Bank Fraud Prevention line ( XXXX ). Representative started a case and provisional credit was issued for both checks and transaction fees ( {$94.00} & {$140.00} ). Old card was deactivated and new credit card issued. 

On XX/XX/XXXX, received mail notification that case was close and transactions were verified. I called the XXXX XXXX number on the notification ( XXXX ) and representative set up an appointment for an XXXX would call me within XXXX hours. I also requested additional documentation which would be mailed and I have not received yet. 

On XX/XX/XXXX, I received a follow up call from an XXXX ( XXXX ) and they let me know that the check for {$2900.00} made out to cash was verified because the signature on the check matched my signature. They also updated me that the other check for {$1900.00} was made out to an individual and is still under investigation. I asked where my signature was matched and requested additional information including check images and to continue to investigation. 

On XX/XX/XXXX, I received another call from the same XXXX ( XXXX ) who informed me that they escalated my case to a supervisor and shared that an ID would have needed to be presented at the bank branch to receive cash from the check. They reconfirmed that the decision of the case would still hold and the provisional credit would be remain reversed. I asked about identity theft next steps and the representative was unable to give me steps beyond filing a police report. I asked for additional information including where the check was cashed which the XXXX said would be provided in another follow up call either the same day or by the following Monday. 

I still have not received any documentation that informed the decision and the other check for {$1900.00} is still under investigation.

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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
On XX/XX/year> Avant was contacted by mail for debt validation. During this validation period I was to be be contacted by Avant for 30 days after sending a validation notice by mail. 
On XX/XX/year>, XX/XX/year>. XX/XX/year>, XX/XX/year>. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Avant contacted me by email in attempt to collect on this debt that is under the validation period. 
Under this violation there is a {$1000.00} dollar penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: LA

Complaint narrative:
While reviewing my consumer report I noticed that I had two late payments on an account that I wasn't late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've included screenshots of the said dates I was allegedly late XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, these payments should be updated to paid as agreed on time providing accuracy in the reporting. Thanks, and see screenshot attached.

15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX please add this document to my case complaint cfbp 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