vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report I found XXXX accounts that I have no knowledge of and did not authorize. 
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  balance : XXXX I have sent disputes to the credit bureaus and these items still remain on my credit 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 2024-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NH

Complaint narrative:
I received a letter from Radius Global Solutions llc, stating that I owe AT & T {$2000.00}. on account # XXXX. They offer to reduce it to {$1200.00} if I pay it now. 


The last time I had XXXX XXXX XXXX as a provider, was for home phone service, and was at least XXXX yrs ago. I've never had an unpaid bill with them. Nor have I ever had mail from XXXX XXXX XXXX asking for outstanding debt. 

I believe this is a SCAM, hoping I don't have my faculties and that I will panic and pay them this large amount of money. 

I just wanted to bring this to the attention of the authorities so that it can be address with Radius Global Solutions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These latest years I have tried to get my FREE CREDIT REPORT from all XXXX companies and they PLUS also the " XXXX ( Government assisting website MAYBE? ) and also, after giving all info requested... I never received the credit report. 
The last time I requested from Experian and not receiving their credit report, I XXXX have called this time, or maybe online? and... I freezed EXPERIAN FROM GETTING INTO MY AFFAIRS just because they never complied with sending me my report to home in spite f having a long PAST record of myself and my home in FL XXXX, which I XXXX be selling very soon to become homeless and so I can use the money ( {$790.00} per month ) that goes to HOA/COA here in Florida to purchase, instead, a lot and place a shipping container to live in.

I will very much appreciate if you can do something to make/force these XXXX companies to send us our reports TO OUR HOMES AND NO MORE QUESTIONS ASKED ABOUT " WHAT WAS YOU LAST TRANSACTION, ETC, STUPID QUESTIONS '' WHEN THEY ALREADY CAN VERIFY THE PROPERTY OWNER AND ADDRESS AND WHATEVER OTHER MEANS ( SSA. IRS, WHATEVER ). 
SINCERELY,XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: MO

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCI Acquisition Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I kindly request that you review and correct the following inaccuracies in my consumer report to ensure the accuracy of my consumer information.

Furthermore, [ 15 USC 1681s-2 ( a ) ( 1 ) ] emphasizes the importance of maintaining precise records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2024-10-31 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: FL

Complaint narrative:
Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2024-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding the recent appraisal of my property by XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/year> from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX FL XXXX. After careful review of the comparable properties he submitted, I am compelled to question the valuation placed on my home. It appears that the XXXX selectively chose only XXXX underpriced/outdated/smaller properties, which are not actually comparable to mine, as they are smaller in square footage and consist of only XXXX bedrooms and XXXX bathrooms, whereas my property is a larger XXXX bedroom XXXX bathroom newly XXXX home. His choice in substandard properties seems rather peculiar, especially when there are numerous other properties that align more closely with the characteristics and market value of my home. The addresses of the appropriate properties are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX The decision to focus on the specific properties he did, raises questions about the objectivity of the appraisal process. By disregarding the more relevant comparable, it feels as though the appraisal has been intentionally skewed, resulting in a valuation that does not accurately reflect the true worth of my property. Based on the comparable properties I provided, my property should be assessed at a minimum of $ XXXX {$290.00} per square foot, whereas he has me at $ XXXX. Not only was the valuation itself an issue, but he also failed to meet the first XXXX deadlines for providing his appraisal report. I then requested a new XXXX when he was in the wind, but was not granted a new XXXX. I am still awaiting his reply to my rebuttal. It has been XXXX weeks since it has been submitted and he has missed XXXX deadlines for his rebuttal submissions since then. Cross Country Mortgage is the lender and is encouraging me to file this complaint because they know this is wrong but " their hands are tied ''. XXXX XXXX and XXXX XXXX have raised serious concerns as to the honesty and efficacy of their appraisal program. I trust that you take these matters seriously and would appreciate your prompt attention to this issue. I look forward to your response and hope for a resolution that reflects the true value of my home. Sincerely, [ Your Name ] [ Your Contact Information ] [ Your Property Address ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I am disputing unauthorized inquiries on my TransUnion credit report. 

Upon reviewing my credit report, I discovered the below inquiries that I did not authorize or recognize. 

These inquiries are damaging to my credit score and financial well-being. These inquiries are : XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> I request that these inquiries be investigated and removed from my credit report as soon as possible. 

I understand that unauthorized inquiries can be a sign of potential identity theft or fraud. 

I have taken steps to protect my identity, including monitoring my accounts for any suspicious activity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to once again formally complain about Citibanks failure to comply with a court order that mandates my inclusion on all accounts held by the client, as well as access to retirement accounts and the safety deposit box. Despite providing the required paperwork and a clear directive from the court, Citibank has ignored this order for XXXX months. Additionally, the bank has failed to remove a specific peer of attorney from the accounts, as the judge explicitly directed. When I filed a consumer complaint, it was closed without verifying Citibanks claims or confirming the courts instructions with me. Citibanks response incorrectly stated that they could not make the current account a guardianship, which was never requested nor ordered. Instead, they were to simply add me to the existing accounts. This level of negligence and disregard for a court order is both unacceptable and harmful, and I request immediate intervention to ensure compliance with the courts directives. 

See pages XXXX, XXXX, XXXX, XXXX, XXXX of order. 

Without being put on the account, I can not access confidential financial records ( page XXXX ) to provide evidence to file charges against previous power of attorney with the district attorney as mandated within the paperwork. ( page XXXX ) Additionally, Citibank is forcing the client to close her current account and safety deposit box on XX/XX/XXXX which she does not want and is in direct opposition of page XXXX part ( i ). Forcing an XXXX  person to close their bank account is not only unnecessary but also deeply unfair. It disrupts their sense of independence and control over their finances, which are essential for their dignity and self-confidence. Making someone go through such a process at an advanced age adds unnecessary stress and can feel like stripping them of their autonomy. This approach fails to respect their rights and undermines their ability to manage their own financial affairs. She has been a client at Citibank XXXX XXXX for 50 years. 

NOTE : the long form order is XXXX pages and it will not upload with the complaint. I am providing the court order to you in single page uploads.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report displays several billing mistakes marked as late payments, which misrepresent my actual payment habits. Please adjust these errors and update my account.

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 2024-10-31 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: MO

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-10-31 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: MO

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-10-31 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: PA

Complaint narrative:
My credit score was lowered by TransUnion which supplies information to XXXX  XXXX XXXX. The reason was too many open accounts. I am Retired and only owe what is currently on my credit cards. The accounts total that are open has a XXXX balance which I paid off in full and another account with XXXX balance which XXXX of it has a XXXX interest promotional component for a year. My score went down with XXXX open credit card accounts. XXXX had balances nowhere near my limit. If you have XXXX accounts open with around XXXX balance out of XXXX in credit and never failed to pay on time how can TransUnion downgrade my credit?

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 2024-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On my XXXX, 2024 statement, Lowe 's credit card, hosted by Synchrony Bank, without giving prior notification, charged {$1.00} for sending a paper statement. I sent a letter explaining that I had not been forewarned of a fee for them sending a paper statement and I included a check for the balance on my account which was {$12.00}. In the letter I told them to accept my check as payment in full, that I do not owe the {$1.00} fee, and that I shredded my Lowe 's card. Synchrony cashed my check. 

I received a statement in the mail today for XXXX, 2024, from Lowe 's Synchrony showing an additional {$18.00} in fees charged, raising my balance to {$20.00}, all in junk fees. There are no outstanding balance on purchases.

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 2024-10-31 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: AR

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-10-31 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: AR

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
Dear : Debt Collector I am writing to request a copy of the purchase agreement related to the debt you are attempting to collect from me. To better understand the validity of this debt and the terms under which it was incurred, I ask that you provide the following : XXXX. The Original purchase agreement or contract. XXXX. Details of the terms and conditions XXXX. Documentation supporting the accounting history including transaction history Please send the requested information within XXXX  days. I appreciate your cooperation and look forward to your prompt response. Thank you.

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