vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my fourth time writing you to update my person information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy.

I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses, please delete these outdated addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : 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 2024-01-18 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type.

Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, XXXX XXXX attempted to make a single deposit of XXXX checks into the US Bank ATM located in the parking lot of XXXX XXXX XXXX XXXX XXXX, IL, in front of XXXX XXXX XXXX corporate headquarters. The first check was for {$10000.00} and the machine appeared to register this check without problem, then asking for the second check of {$730.00}. While the machine was registering this second check, it appeared to experience a power loss or some other problem that rendered the machine unresponsive and inoperable. A receipt was not received, but the machine had taken possession of both checks. 

After XXXX claims have been filed and over a month has passed, we have finally been notified of a provisional credit to our account. US Bank has made numerous errors and we have lost time and money ( % that should have been earned ) in the meantime.

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 2024-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE REMOVE ALL FRAUDULENT CHARGES THAT ARE A REPRESENTATION OF IDENTITY THEFT FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
Upon reviewing my credit reports, I have identified inaccuracies in the reporting of late payments. Specifically, I have noted that late payments were reported for the date XXXX under the account name XXXX XXXX XXXX  with the account number XXXX. 

I kindly request that you promptly update these late payments to accurately reflect their status as " PAID AS AGREED. '' It is essential that this information is rectified expeditiously, as it is currently impacting my ability to pursue the purchase of a new home. 

Your immediate attention to this matter is greatly appreciated. I would be grateful for confirmation once the necessary amendments have been made. 

Thank you for your prompt action in addressing this issue.

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 2024-01-18 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Bank collected payments from me for two years on an auto loan without completing the sale by securing a title from the dealership and recording a lien to have a security interest on the vehicle. 

Due to no title transfer, I canceled the contract under C.R.S. 4-2-601 ( a ). and deducted damages under U.C.C. 2-717 by legally stopping payment as I did not own the vehicle. 

Unless and until a buyer receives certificate of title duly transferred in accordance with Colorado law, the buyer does not acquire any right, title, or interest in and to a motor or off-highway vehicle purchased by the purchaser or transferee. C.R.S. 42-6-109 ( 1 ). 

Fifth Third Bank acknowledged receipt of my XX/XX/2021 revocation of acceptance/cancelation letter and placed a cease and desist on my account. 

XX/XX/2021, the issue was resolved as Fifth Third Bank had the dealership buy back the account due to their Breach of Contract. I received a letter of apology but was denied my refund demand. 

I received a call from the bank and was told the account would be closed and the tradeline would be removed from my credit report. 

Upon closing my account Fifth Third Bank reported it as 90 days delinquent prior to close in retaliation for my legally withholding payment which violates the Fair Credit Report Act as the bank confirmed receipt of my cancelation and deduction of damages notices. 

For two years they have been inaccurately reporting which has damaged my credit and ability to finance a home. I have the recorded call stating the tradeline would be removed as evidence but when reporting this to the credit bureaus I was told they can only receive written evidence. 

I contacted the bank and they sent me a letter stating the account is being reported accurately. They refused to honor the verbal contract to remove the account and unlawfully reported 90-day delinquency. As well as refused to issue a rightfully owed refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : XXXX XXXX XXXXXXXX and XXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : XXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.

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 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : PNC BANK XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Per the Fair Credit Reporting Act, the listed accounts should not be furnished on my consumer report as they are in violation of 15 US code 1681-B in general subject to subsection C, which states ; Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, by the written instruction of the consumer to whom it relates. These listed companies never received my written instructions to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly, 15 USC 1681-4 also states reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. Therefore, there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality, and respect for consumers ' rights to privacy. I'm demanding the removal of these listed accounts. 
ADDITIONAL UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: LA

Complaint narrative:
Im writing in regards to a loan that is attached to my consumer reports named Conns Appliances and a Credit card named XXXX XXXX. I have no knowledge of the accounts written along with multiple enquirers on my report. My identity was stolen in the XXXX hack and my document will be attached to this complaint, Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Original account was with XXXX XXXX, it was bought by National credit adjusters in XXXX. In XX/XX/XXXX, I disputed it and it was removed. In XX/XX/XXXX it was placed back on my credit report. This is illegal and I want it removed for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
I am filing a formal complaint against the three major credit bureausXXXX Experian, and XXXXregarding a significant issue with XXXXXXXX XXXX XXXX auto-pay system, which has adversely affected my credit report. The incident in question involves a system error with XXXXXXXX XXXX XXXX auto-pay, resulting in a missed payment, and the credit bureaus ' failure to accurately reflect this situation on my credit report. On XX/XX/2024, I discovered that XXXXXXXX XXXX XXXX auto-pay system failed to process my payment, leading to an unintentional missed payment. What compounds the issue is that I did not receive any notification from XXXXXXXX XXXX  alerting me to the auto-pay failure. Consequently, the missed payment has had a negative impact on 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 2024-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MN

Complaint narrative:
I was sent a personal email from a direct employee at True Accord XX/XX/XXXX shortly after XXXX XXXX. The email contents were that they were trying to collect a debt from me from XXXX for XXXX. They gave me 3 options in the email. To dispute the debt, request information on the debt or to pay it. 

I do not owe anything on this debt and I was contacted in XXXX on this matter by a different agency which was not True Accord. It was dismissed as the debt was incorrect and the merchandise was in fact returned. This is almost 9 years old. They are wanting me to address and pay this old debt which is very suspicious. 

I havent received a phone call, text or legit letter from any collector or from True Accord on this debt matter since XXXX and it is NOT on my credit report. This is the first time Im hearing from True Accord and by email of all things. 


I did dispute the email received and explained myself to them and I havent heard anything. I think this is a scam and I hope by disputing I did not put my self at risk for this. This debt is way beyond the statute of limitations to collect, in which the debt was incorrect and I do not owe in the first place. 


I dont know why I am being contacted now on this. It has been years. How did this company get my personal information? To get a random email of all things, not even a call, I feel violated and harassed by something so long ago that they as a company should have been able to verify at first contact, preferably on the phone or a mailed letter. 

Im seriously concerned about a scam and my identity now and I would appreciate an investigation of this matter with True Accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
Mohela loan servicing allows you to start an auto-pay, but then hides the fact that your next payment must be made manually. After setting up auto-pay, one will receive an email three days later indicating that auto-pay is set up, but must access their messages portal within the Mohela account itself, then download a document and read it to see that you " may '' need to make your next payment manually. There is no easily found indication elsewhere of this, and no decent establishment has such a rule that I know of. I set up my autopay weeks before my first payment ( XX/XX/XXXX, first payment due XX/XX/XXXX ). 

I found out my first payment wasn't automatically made 5 days after it was due. There was no message that it was coming due, nor a reminder that, despite the meaning of auto-pay, the auto-pay wouldn't work the first time. 

After realizing this issue, I immediately made the payment and asked them to backdate it. They replied, well over a month later, and stated auto-pay wasn't set up until XX/XX/XXXX. Obviously untrue, I replied and asked them check their database, including the messages their system had sent me. They have never replied. 

I recognize this complaint will likely not go anywhere, but I do believe that a loan servicer, holding five-or-six figure debts for XXXX XXXX XXXX  of people, making money hand over fist for doing nothing of value, should be held to higher standards than this.

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