vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX claims I had car insurance with them but I did not agree verbally or sign anything for this policy now they sent me to their collections company. I was told by the debt collector that if I submitted proof with my insurance elsewhere during that time with my name and the vehicle information they could remove it. I did that and now they are asking me for another document and I dont seem to be getting anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one reported to my credit report late payments without my written consent. Without my written consent reporting anything to my credit report is violation of 15 USC 1681 ( b ). 15 USC 6801 requires financial institutions to protect the security and confidentiality of customer records and information. They gave my personal information to XXXX  and XXXX which is a third party company. This has created substantial harm and Inconvenience because I cant get any loans so I can get a car. According to 15 usc 6802 ( b ) ( 1 ) A financial institution may not disclose non public information to a nonaffiliated third party which XXXX  and XXXX is not. I also opted out of disclosing that information to them and they still reported send my private information to them anyways. According to 15 usc 6802 ( 6 ) ( a ) to a consumer reporting agency in accordance with the fair credit reporting act ( 15 usc 1681 ), or ( B ) from a consumer report reported by a consumer reporting agency which capital one, XXXX  and XXXX is not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: AL

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

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

I demand the late payment reported to be removed.

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


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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an excellent credit rating and I have never overdrawn any checking or savings account. 

Around XXXXXXXX XXXX I received a letter via US Mail from Citibank about verifying some information about my account. I was not able to determine whether Citibank was truly the sender of that letter. 

I had a meeting with a Citibank representative at a nearby Citibank branch office. That representative told me that the letter was from Citibank. During that office visit I had a call to the Citibank phone number in that letter. 

The man I called didnt seem well prepared for my call. I answered his questions. There didnt seem to be any problems with my account. 

On XX/XX/year> I received an email from Citibank asking for information about my employment and wealth. I didnt save a copy of my response. My response gave the name of my employer and the amount of income from my work last year and indicated that I work part time and my income isnt steady. 

On XX/XX/year> I received another email from Citibank asking some of the questions that I had previously answered. I updated the Citibank website with information about my employment. I told Citibank that I had provided info on their website. I told Citibank that I didnt want any more questions. I asked Citibank whether I should close my account. 

On XX/XX/year> I received a third email from Citibank asking questions about my employment and income. It didnt seem like Cibank had thoroughly read my response. It wasnt clear whether they wanted my total income or my income from employment. Citibank repeated questions about my wealth that I decline to answer.

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 2024-10-14 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: GA

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. After reviewing my report, I have identified specific accounts that must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. After reviewing my report, I have identified specific accounts that must be addressed 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 explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
They requested I send them the following information to : USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX A copy of my Oregon automobile license ( front and back ) ; my current address XXXX XXXX XXXXXXXX, XXXX, OR XXXX ; my email address ( XXXX ) so we can communicate via email ; and further information to close the account which at that time had a {$100.00} charge from XXXX which was not authorized by me. I first believed that the account was closed at the end of XXXX when I stopped both my automobile insurance with them and my credit card. Apparently they only closed the automobile insurance and not the card because in XXXX I was notified by my bank by there was activity on a card that had no activity for the past 6 months. I finally received a statement from XXXX XXXX, IL XXXX for account XXXX XXXX XXXX XXXX which I returned to them with the request to both refuse the {$100.00} charge as I disputed it and then to close the account. I also provided them with my new XXXX XXXX XXXX. Instead they mailed me another statement now at {$120.00} with late fees and interest to the same street address which had been vandalized/destroyed hense my new XXXX XXXX XXXX I have repeatedly attempted since XX/XX/XXXX when I received the credit card alert until today including my letter with information they requested on XX/XX/XXXX. I will go ahead and pay the amount they are billing me just to stop any futher fees or interest but request that they pay me back that amount at the end of this issue. Most important I want that account closed and I want assurance from them in writing that they have closed the account. I will admit that I have become extremely hostile towards USAA because they have made it impossible for me to move forward with closing this account. MAJOR CONCERN IS MY ABILITY TO NOT DO TEXTING ON MY PHONE WHICH THEY INSIST ON. Please provide an address I can mail my documents to as I don't have the ability to do so via computer. I destroyed the card back in XXXX so do not have the full number of the card... .only what the statement has.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday : XX/XX/XXXX SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday : XX/XX/XXXX SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-10-14 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: CA

Complaint narrative:
This is really worrying, my credit report has items that have resulted from fraud which I never benefitted from.

This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-10-14 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-14 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: GA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Pulled my report, and under my account section, ALLY/OLLO reported inaccurate information consistently despite failed attempts to correct it in the prior year.

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 2024-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Good Afternoon, Recently the lender XXXX XXXX from Sofi denied my application. I am aware that I may or may not get approved for the amount I asked for originally. I am upset because She has pulled my credit four times and I do have proof. 

Also, XXXX promised last Friday I would get a loan amount sent out to me last Friday but no response last Friday on XX/XX/XXXX or today on XX/XX/XXXX. 

The only reason I found out about this denial letter was because I received a notification through the no reply email. 

I would have like to have gotten a response from her as promised and at least given me an amount that I could have received instead of just a straight denial. 

I felt she was not very helpful and stated to me she was working with you on the gift of equity with her manager I called her and spoke to her last week and on a recorded line she told me she would reach back out with a loan amount last week on XX/XX/XXXX. 

Reached out by email yesterday XX/XX/XXXX but no response. I called Sofi three times on XX/XX/XXXX to complain was able to get a email but when I sent the email to XXXX XXXX her manager the email was blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: LA

Complaint narrative:
My credit report has errors under 15 USC 1681c-2, listing unauthorized hard inquiries. These errors are damaging my credit, and I request their removal 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 explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested because THIS IS NOT MY DEBT PERIODT! Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you are alleging I must pay. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation showing me accountable for this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have a legal obligation to pay you. 

At this time, I will also inform you that if your office has, intends to, or continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate to bring forth legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in egregious legal trouble with the FTC and other state or federal agencies. 

If your office is able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes the listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, which is severely impacting my financial stability. XXXX is reporting my 8 student loans double as 16 separate accounts, leading to inflated debt figures on my credit report. This discrepancy has caused my debt-to-income ratio to soar, resulting in a significant drop in my credit scores with no fault of mine. 
As a direct consequence, I am now unable to qualify for a necessary home refinance loan, which is crucial for my financial well-being. This situation is not just an administrative error ; it is jeopardizing my ability to secure stable housing and manage my finances effectively. 
Despite my efforts to resolve this matter directly with XXXX, the issue remains unresolved, and I am in urgent need of support. I respectfully request your intervention to ensure that XXXX corrects this inaccurate reporting and helps restore my credit standing 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