vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XXXX XXXX  transunion XXXX, XXXX XX/XX/year> This information is incorrect and negatively affects my credit score. I have att empted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX XXXX  transunion XXXX, XX/XX/year> XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I have completed a project with Home Depot ( impact Windows ) and I have charged this project to the Home Depot Credit Card ( {$14000.00} ). At that time the promotion was 24 months 0 % APR. The Home Depot representative was at my house, we did the payment with his colleague over the phone and I was promised the 24 months promo 0 % APR. 
Unfortunately, the credit card company employee made a mistake and set the account for 12m. I didn't notice this when I set up my autopayment ( for minimal payment required ). 
In XX/XX/XXXX I have noticed that I am getting interest charges to my account ( currently {$4500.00} ) and I contacted Home Depot Credit Card services. They acknowledged the mistake, but they said that I had 60 days to contact them in order the get this fixed and I am past this period. They told me that there is nothing it can be done ( I spoke with three levels of customer service representatives- all the way up to XXXX - Account Specialist Level II ). I have pointed out that I am still within my original promised time frame ( the 24 months ) even though I was out of their 60 days arbitrary deadline ( which they mentioned it was changed in XX/XX/XXXX as it used to be longer ). I have also pointed out that this is a wrong business model for a public company- they are incented for their employees to make mistakes as this brings extra profits. Again, I pointed out that if there wasn't any mistake, their company wouldn't have had this extra profit and I don't want anything extra from them - just to reverse the interest charges. The answer was still hard NO. 
This business model looks like a fraud from consumer perspective. Once again, the company is incented for the employees to make mistakes which would increase the profits ( they just have to hope the customer doesn't notice ). On the other hand, if mistake is discovered by the customer, there is no repercussion for the company as they will just adjust the account. THIS IS WRONG!!!! 
The only thing the offered me before they shut the phone is to write a letter to a po box . That would help them gather some more interest charges for sure...

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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I previously sent a demand letter requesting the removal of this Collection Item that does not belong to me. I have documentation from Spring Oaks Capital , LLC and XXXX XXXX account stating that it was removed. However, they are still reporting it to the credit bureaus. Their firm has failed to send the legally required validation of this Collection Item Number. They have been notified that their actions are detrimental to me and that their firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Their firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Both companies failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Both companies communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I, XXXX XXXX, has suffered and continues to suffer general and specific damages. I am also very upset at their firm 's intentional infliction of emotional distress and at the other diminished quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as within both company 's systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions their firm is having on my life. Including but not limited to harassing text messages, phones calls, and inaccurate reporting. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Mortgage — VA 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells fargo Mortgage did not compensate for the CFPB Wells fargo settlement in which we were denied a loan modifications in XXXX and placed in foreclosure. 

We have contacted Wells fargo mortgage about this settlement in which we were told their department doesn't handle the settlement in regards to wrongful foreclosures and loan modification errors. 

In which the CFPB ordered WELLS FARGO MORTGAGE to pay more than {$2.00} XXXX in redress to consumers and a {$1.00} XXXX civil penalty for legal violations across several of its largest product lines. Improperly denied mortgage modifications : During at least a seven-year period, the bank improperly denied thousands of mortgage loan modifications, which in some cases led to Wells Fargo customers losing their homes to wrongful foreclosures. The bank was aware of the problem for years before it ultimately addressed the issue.. 

No one has contacted us or offered co.pensation for this particular matter of wrongful denial of a va modification we qualified for.

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 2024-08-28 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: MA

Complaint narrative:
Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX XXXX Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number:XXXX in XXXXXXXX XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,

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 2024-08-28 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: Kikoff Inc.
State: OH

Complaint narrative:
I have repeatedly requested in writing that XXXX remove Kikoff Lending from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, Kikoff Lendin Funding is not listed in the Nationwide Licensing System as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

Account XX/XX/XXXXAdditionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We requested that they remove the late fees because I paid in full when I was living in CA, before moving to XXXX However, a few months later, they placed me with a collection agency for less than {$0.00}. Since then, I have been trying to have the late payments removed. 

I paid the {$0.00} and closed my account with them due to the trouble they caused. Despite my efforts to resolve the issue and pay the amount in question, they are still refusing to remove the late payments 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 non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In the 2nd to third quarter of XXXX I contacted the CFPB because XXXX XXXXXXXX XXXX  Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX bank to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed 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 non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: IL

Complaint narrative:
I open a skrill account on XX/XX/year> on XX/XX/year> at XXXX XXXX I funded my account with my chime debit card adding money for my time account to my Skrill account. This is the first of any activity I have done since opening this account. On XX/XX/year> at XXXX XXXX a minute later after funding my account I received an email from XXXX stating that my account has been restricted. On XX/XX/year> at XXXXXXXX XXXX exactly XXXX hours to the minute from funding my account I received another email from skrill stating that my account is been permanently closed. I have tried to contact skrill numerous occasions, I have sent over XXXX emails. I have also called many of times only to be hung up on, placed on hold for longer than an hour period of time, to be hung up on, also to having my number blocked so now I can no longer call skrill. I've also tried calling off of other people 's phones only to get transferred to be hung up on and then their number blocked from calling. I have asked many times why I'm unable to have my money out of my account that I transferred into the account only to be restricted and then now my account closed I have done nothing wrong to my fault and my money is being taken for me and held. I have gotten less than three responses back from Skrill stating that my account is being escalated, to it's being investigated for my complaint, and then now the last one that they can not provide me with any information at this time that they are further still looking into my case. My account is only open for a total of 3 days the first time I did any activity by transferring funds into my account from my other checking account from another bank they restricted my account and then XXXX hours later permanently closed it and now we're refusing to give me my money back I believe I'm being scammed I have gotten online and Googled this situation and there are thousands of people right now at this very moment going through the same thing with this company for the exact same thing has happened to them. I believe that this company is scamming people and taking their money and I need help to get my money back. I was told that I can withdraw my funds via bank account transfer or off my skrill card I have done both and they will not work it tells me that I have not been charged for this transaction but it can not be processed at this time. I've been ran around lie to and completely in my eyes disrespected and my money is just taken and I need help getting it back I'm providing a screenshots of the emails and the responses that I've gotten so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: OK

Complaint narrative:
I am writing to formally dispute an account reported by HARVARD COLLECTION SERVICE that has been listed on my consumer report. I am disputing the validity of any and all debts alleged to be owed to this collection agency. Additionally, I am revoking their right to contact or communicate with me in any way, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) and the regulations established by the Consumer Financial Protection Bureau, I am exercising my right to request debt validation. Specifically, I am requesting the following : 1. Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), which has not been provided to date. 2. The purchase agreement between HARVARD COLLECTION SERVICE and the original creditor to establish their right to collect on this debt. 3. Proof that HARVARD COLLECTION SERVICE is licensed and bonded to collect debts in my state. I would like to bring to your attention that I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, HARVARD COLLECTION SERVICE has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt. HARVARD COLLECTION SERVICE has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law. This failure to comply constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). In light of these violations, I am requesting that the CFPB take immediate action to investigate and address this matter. I expect the account in question to be removed from my consumer report until proper validation is provided and my dispute is resolved. Please confirm receipt of this letter and keep me informed of the progress of your investigation. I am prepared to provide any additional information or documentation that may be necessary to support my case. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation