vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I have repeatedly tried to unsubscribe to emails from this company, but it just takes you to an account lookup page which I believe violates the FDCPA which requires them to make it simple to unsubscribe. 
I have called and requested that contact via phone be ceased because they repeatedly call me and dont respond when the phone is answered in an attempt to get me make a return phone call at all hours which is again in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
I had an account with United wholesale mortgage opened XX/XX/year> and they reported me late 30 60 90 days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am 60 days late in XXXX with United wholesale mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: TX

Complaint narrative:
I began using the Albert app around XXXX. This app helped me save money as it would pull directly from my bank account periodically. When I began to make more money, I did not find this app to be as useful to me anymore and they also started charging outrageous monthly fees. I disconnected my bank from the app. Then I get an email in XX/XX/XXXX that I am being charged a {$72.00} annual fee. This is for an app that I am not using so I reached out to dispute and disputed this with my credit card because they wouldn't not charge me and said they could switch the payments to monthly if I'd prefer ( this email exchange began on XX/XX/XXXX ). I wasn't going to pay for an app that I was not using. Then this morning, on XX/XX/XXXX, I get an email that I am going to be charged {$14.00} from here on out for a monthly fee ( and the first charge was going to hit today! ). I went into the account and tried to deactivate my account, but it said that needed to be done on email or in the app. I had already tried the email route which was unsuccessful so I tried logging into the app. It tells me I need to reconnect my bank or another bank before I can do anything with the account. This is such a scam. Reconnect my bank so you can charge me for an app i'm not using and an account I'm only trying to log in to deactivate? 

I have reached out, once again, to support via email and am awaiting a response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-09-04 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/XXXX I paid for a conference fee named " XXXX XXXX XXXX  ''. This conference was supposed to take place XXXX of XXXX. It came to the attention of my community around XXXX of XXXX that the person who was running the conference actually had taken all of the money from those of us who paid in advance and gambled it. I attempted to contact the organizer of this event to ask for a refund but he did not respond. Additionally, his phone number has been disconnected and his website has been shut down. 

As soon as I was able to I contacted Barclays ( end of XXXX, early XXXX ) to ask them what to do, I did. I was advised to send all proof that I had of this fraud and to mail to them along with a letter explaining the situation. I did this, and received a response on XX/XX/XXXX stating " unfortunately, we were unable to obtain credit on your behalf because we can only intervene after the specified delivery date has passed. '' I was advised by agent XXXX on XX/XX/XXXX that it would be ok to wait until XXXX and to write again once the event should have happened, but didn't. 

So, I did. I wrote Barclays again on XX/XX/XXXX explaining the situation and received a response from them on XX/XX/XXXX stating that there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' and that " we are outside of the permitted timeframes to continue this claim through the dispute process. '' I have provided them with as much proof as possible - and upon speaking with agent XXXX ( ID XXXX ) on XX/XX/XXXX even he was able to verify that there was no way to contact XXXX, the merchant. Additionally, I followed their instruction to wait until after the event has passed and now that I have they are telling me that I waited too long. This is incredibly frustrating. Additionally frustrating is that while XXXX was able to verify that there was no way to contact XXXX XXXX XXXX tried to reach out to him and was the one who told me that his line was disconnected ), his advice was still to take this up with the merchant. I am not sure how they can tell me in the same sentence that they are not successful in reaching the merchant and yet expect me to reach him to get a refund.

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 2024-09-04 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/XXXX, someone broke into my home and stole all of my credit cards, identification, and other personal belongings. I immediately filed a police report regarding the break-in and theft ( which I can provide if needed ). As a result, I had extremely limited access to my funds and was focused on recovering from this traumatic event. 

In XX/XX/XXXX, during this period of instability, Affirm reported a late payment on my account. Due to the unforeseen circumstances and the effort I was putting into restoring my identity, I was unable to meet the payment deadline. I was doing everything in my power to recover and get back on track financially, but the challenges caused by the break-in significantly impacted my ability to make timely payments. 

I reached out to Affirm to explain the situation but haven't had success in resolving this issue. I would greatly appreciate your help in addressing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
My recent credit report is showing multiple collections that I never received written notificationcommunication about so I had no time to dispute them on my behalf. I am also requesting debt validation persuant to 15 U.S. Code 1692 G, in this debt validation I am requesting a detailed list of my history of payments made by me on this account, I am requesting the ORIGINAL PURCHASE AGREEMENT, contrat with my signature with me agreeing to pay this creditor, has there been an insurance claim filed on this account, I also want to see that you have chain of title to collect on these debts. JEFFERSON CAPITAL SYSTEM- account number XXXX, date XXXX. Without providing this information according to FCRA these accounts needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have not applied for credit, I am a victim of identity theft. Theres a fraud alert on my experian. Please help rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 USC 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personnel information assembled by Credit Reporting. My social security number and information have been hacked and information is being reported incorrectly.

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 2024-09-05 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: CA

Complaint narrative:
XX/XX/2024 Consumer Financial Protection Bureau Subject : Formal Complaint Against Experian and XXXX XXXX XXXX Regarding Unauthorized Use of Personal Information To Whom It May Concern, I am writing to formally file a complaint regarding a violation of my privacy rights by XXXX XXXX XXXX, which has appeared on my credit report without my authorization. On XX/XX/2024, I filed a dispute with Experian about this company, as I have never conducted any business with them, nor have I authorized them to access or use my personal information. 

The presence of XXXX XXXX XXXXXXXX on my credit report is a clear violation of my right to privacy. This company has obtained and used my personal information without my permission, which I consider to be unauthorized and fraudulent. Despite my dispute, Experian has failed to take appropriate action to protect my personal information, as required under consumer protection and privacy laws. They have not removed the unauthorized entry from my credit report nor ensured that my data is safeguarded from misuse. 

I am gravely concerned about XXXX lack of due diligence in preventing unauthorized parties from accessing my personal data, and I believe this negligence has resulted in a violation of my privacy rights. The unauthorized use of my personal information constitutes theft, and I request immediate action to resolve this issue. 


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 explanation
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
I continued to make payments on a XXXX loan while Mohela was backlogged counting XXXX payments. I knew I made more than the required XXXX payments but they hadn't counted them up yet. To avoid accrued interest and late payment fees, I kept making payments in good faith. Once they finally tallied my payments and forgave my loan, I had overpaid by {$1600.00}. I called on XX/XX/XXXX and was told my refund was escalated and would be sent in XXXX business days. I called again on XX/XX/XXXX, after not receiving my refund, and was told they " are backlogged and to wait longer ''. When I asked exactly how long, I was told to " try the end of XXXX ''. I called today, XX/XX/XXXX, and was told to wait longer, they are backlogged. Could be XXXX MORE days! Meanwhile, Mohela is making interest on MY money. I asked to be transferred to a XXXX, after being on hold for another XXXX minutes, an automated voice said they'd call me back by the end of the next business day. 
To further complicate the matter, I have XXXX loan sequences that are still in repayment. Mohela put them on administrative forbearance. The letter they sent me said interest would accrue during this time, but since it's a court ordered forbearance ( govt fighting about XXXX  payment plan ), everything I read on government websites say interest does not accrue. When I call it's a different answer depending on who answers the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: NC

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
ubject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear XXXX XXXX I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my XXXX XXXX XXXX is XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : XXXX XXXX ] XXXX XXXX : 1. XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.AXXXX XXXX 6.XXXX XXXX XXXX 7.XXXX  XXXX VIA XXXX 8.XXXX  9.XXXX  BANK 10.XXXX  CA 11.XXXX  12.XXXX 13.XXXX XXXX 14.XXXX  15.XXXX 16.XXXX  XXXX These inquiries were made without my permission and are affecting my XXXX XXXX and overall financial profile. I request that you take the following actions immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief