vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: NJ

Complaint narrative:
I recently reviewed my consumer report and am disappointed that XXXX has not removed the disputed account. As a victim of identity theft, I filed a report on XX/XX/year>. The XXXX account ( Account # XXXX ) is unauthorized and results from identity theft. Despite providing sufficient documentation, this account remains on my report. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, states that a consumer reporting agency must block information resulting from identity theft within 4 business days of receiving proof. I urge you to remove this fraudulent account from my consumer report immediately and ensure compliance with federal law. I have provided all necessary documentation, including police reports and affidavits, proving my identity theft case. This unauthorized account continues to harm my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Late payments listed for the following creditors on my credit report : CitiCards 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 Late payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: Eagle Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to formally exercise my consumer right under 15 USC 6802 to opt out of any information sharing by Eagle Loan Company of Ohio.

Additionally, I would like to address an important matter regarding my account, which has been charged off. Despite this, I have not received a Form 1099-C ( Cancellation of Debt ) from your company. This omission has resulted in inaccurate reporting of my account status. Therefore, I request that this account be deleted from your records to reflect its accurate status.

Please confirm in writing once this request has been processed. If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit report. I've contacted the bureaus several times but can't seem to get anywhere except with XXXX who suggested the FTC and CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Hi. I have a fairly new account with destiny card. Ive tried contacting them numerous times but cant get a hold of anyone even after being on hold for over half hour. I havent made a single charge on the card and the few times Ive tried it always declines but somehow my bill is $ XXXX and just keeps going higher. Ive called many times, I filed a dispute through XXXX XXXX XXXX and even sent a fax simply asking for them to just close my account. At this point I dont even trust having a card with the company, cant get a hold of customer service AND my bill just keeps getting higher without ever charging or using a single penny. Its ruining my credit too. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am being held liable for a loan serviced by Chase Private Education Loan Department in error. The loans were apart of identity theft. The two loans consist of : Account # XXXX for {$9300.00} ( Originally taken out : XX/XX/year> ) and Account # XXXX for {$4100.00} ( Originally taken out. Both loans are being held by XXXX. When speaking to XXXX they advised me to call Chase to dispute the loan, but the Chase is not on my credit report to dispute. In addition, when reaching out to Chase bank, I was told they do not have any recollection of the loans and the Private Education Loan Department has been dissolved, so I am unable to determine the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: AL

Complaint narrative:
On Thursday, XX/XX/2024 I received a call from XXXX XXXX concerning non-payment of my home insurance premium. XXXX XXXX with XXXX informed me that they had no received payment and my policy would be cancelled for non-payment. XXXX states that they issued a policy renewal invoice to Guild Mortgage, but never received payment. I immediately contact Guild Mortgage and spoke with " XXXX '' whom stated that Guild Mortgage never received a renewal from XXXX. Guild also stated that they sent me a letter, which I did not receive. I once again contacted XXXX and informed them that Guild never received the renewal. XXXX then informed me that they have had several other issues with Guild Mortgage not paying premiums for other clients when due. XXXX resubmitted the renewal to Guild Mortgage on XX/XX/2024. The following day, XX/XX/2024, i contacted Guild Mortgage and asked did they received the renewal from XXXX. Guild could never confirm or deny they received the renewal from XXXX. I told Guild that this was unacceptable, and that they have a duty to make sure my insurance premiums and property taxes are paid on time. I find it very concerning that they did not reach out to me by phone to let me know they supposedly did not receive the renewal from XXXX. As of XX/XX/2024, Guild has stopped collecting monies for my insurance premium. Guild Mortgage has failed to do their job. As of today, XX/XX/2024, XXXX has not received payment for my insurance premium. XXXX has gone above and beyond to rectify the situation so that my home does not go uninsured. I would like Guild Mortgage to pay my insurance premium immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
In XXXX of XXXX I purchased a new vehicle, and the auto loan account was with XXXX XXXXXXXX XXXX XXXXXXXX. Each month STELLANTIS has inconsistently caused billing issues for the auto loan account. In XX/XX/XXXX, STELLANTIS took three payments out of my checking account in a two-day period, totaling approximately {$3600.00}. STELLANTIS stated they were unable to refund the two extra payments that were processed without my consent. In XXXX, I made the payment on time. However, 10 days after the payment was due, STELLANTIS called and stated they never received the payment because the checking account used for the payment had insufficient funds ; again, STELLANTIS charged me more fees for this. I ensure STELLANTIS there was sufficient funds and confirmed with my bank holding the checking account. My bank ensure there should be no issues with STELLANTIS processing this payment. 
On XX/XX/XXXX I advised STELLANTIS I was requesting a 20-day payoff amount and would be refinancing the loan with another bank due to the ongoing problems and erroneous fees I was being charged due to STELLANTIS ' inability to properly process and manage the loan account. 
I continued to give STELLANTIS updates on the refinance process to the best of my ability but the phone would be disconnected or no response during calls. STELLANTIS was unable to transfer me to Supervisors, unable to provide confirmation or reference numbers. On XX/XX/XXXX I spoke to staff at STELLANTIS the payoff check was mailed with a tracking number and signature required at delivery. On XX/XX/XXXX I received a letter from STELLANTIS saying " NOTICE OF RIGHT TO CURE DEFAULT ''. On XX/XX/XXXX I called STELLANTIS and again asked if the Payoff check had been received and processed by their company ; STELLANTIS advised the check had not been received by them. After confirming with the post office via tracking number and signature by STELLANTIS, I again provided STELLANTIS with the proof that the check had been delivered and signed for. 
STELLANTIS finally located the check and cashed the check. However, upon my XX/XX/XXXX phone call with STELLANTIS is now charging me additional fees citing the check was cashed after the 20-day payoff date. I argue I am not responsible for these additional fees because the check was sent to them within the proper timeframe. I argue STELLANTIS delayed in timely processing this account ( likely due to their office being closed for the XXXX of XXXX holiday ).

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