vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I contacted NAVY FEDERAL CREDIT UNION and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws. 

Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. 

Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Property Receivables, Corp
State: WA

Complaint narrative:
They called my boss today XX/XX/year> from XXXX They called my boss on XX/XX/year> from XXXX Her name is XXXX XXXX and she works for Property Receivables

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I had two accounts enrolled in national debt relief for outstanding credit card balances through XXXX  XXXX. National debt relief negotiates for you and in my dashboard through them both XXXX  XXXX balances appeared. It is now years later and I am done with the program and I had just assumed the XXXX  XXXX balances were combined and resolved. Now the smaller balance is in collections and is late as of XX/XX/year>. The collections agency has never once called me or mailed me one notice regarding this outstanding debt. How am I to pay something I had absolutely no knowledge of, it wasnt even on my credit report till last month. The collection agency is LVNV their contact number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: DE

Complaint narrative:
Approved for new credit card but interest rate is 22.24 % should of got the interest rate of 18.74 % due to my high credit score of 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 2024-10-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/24 and XX/XX/24 TRUIST AUTO, I noticed a credit inquiry that I did not authorize on my XXXX XXXX credit report. 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 15 U.S 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and a serious breach of my privacy rights. Please validate this information with these companies, and provide me with copies of any documentation associated with these accounts. bearing my signature, authorizing an inquiry. In The absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation as provided by the Fair Credit Reporting Act section 611.

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 2024-10-02 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX NUMBER RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my XXXX credit report, is the result of that trafficking. 

Accounts : Account numbers : Date Opened : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs , and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need XXXX to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX  if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX & XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I bought my home in XXXX of XXXX with the help of a XXXX  loan. 

Mr. Cooper is my current mortgage servicer and in XXXX due to XXXX and a reduction of hours at my job at the time, I started to fall behind on my payments and enrolled in the deferment payment plan. 

Mr. Cooper continued to pay my taxes and insurance during this time, so the escrow I owed increased.

I did a Home Equity investment with XXXX XXXX in XXXX of XXXX. 

Part of the loan agreement with XXXX was that Mr. Cooper stipulated that {$17000.00} of any monies received by me MUST be paid to Mr. Cooper and applied to bring deferred escrow up to date. 

When Mr. Cooper received the money from XXXX that was to pay the back escrow, Mr. Cooper put it on the principle instead, by doing this, I still owed the back escrow and my payments increased. 

I have been trying to get this rectified for almost XXXX  years now. Many, many phone calls to Mr. Cooper and many staff in many departments assured me it would get resolved has resulted in nothing but frustration. Each time I called, which was approximately once every other month, I was told by the person on the phone that it was definitely an error on Mr. Cooper and the issue was being referred to another department or a XXXX and it would be corrected and I would be contacted. 

It has not been corrected and I have never been contacted regarding this matter by email, phone or mail. 

Because Mr. Cooper wrongly put the money to the principle instead of the escrow, my payment has remained increased by almost {$500.00} a month, which is a hardship for me to pay. 

I ask for your help in getting this resolved so that my monthly payment can be lowered back to the correct amount and the money is moved to bring the escrow up to date. 

I also ask for any punitive monies levied against Mr. Cooper to be applied to my mortgage balance and to be notified of any actions taken against Mr. Cooper on my behalf in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 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 2024-10-02 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: SC

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING. I REQUESTED CREDIT BUREAU BLOCK THESE ACCOUNTS PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. THEY HAVE STILL CONTINUED TO NOT COMPLY WITH MY REQUEST.. I ATTEST THAT THIS INFORMATION BE REMOVED PROGRESSIV | 2024-07-23 : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION XXXX OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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.

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 in 60 days 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Incorrect Personal Information To Whom It May Concern, Would you mind looking into this personal information for me- Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? I mean, is there a reason why the personal information on my credit report contains errors? I looking at my credit report, and I noticed errors with my personal information, misspelled my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : 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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Incorrect Personal Information To Whom It May Concern, Would you mind looking into this personal information for me- Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? I mean, is there a reason why the personal information on my credit report contains errors? I looking at my credit report, and I noticed errors with my personal information, misspelled my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-02 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: AL

Complaint narrative:
My name is incorrect on my report it should be the same as my state if and social security card my full and whole name no other name or abbreviations this is the only name I go by.it should be on all three credit bureaus the same way. On my on. Address should be on my report I dnt live in two or three locations only one and thats XXXX XXXX XXXX XXXXXXXX XXXX  XXXX no other address should be on my report ( XXXX XXXX XXXX XXXX ) only name should be on all three reports XXXX XXXX XXXX XXXX XXXX is the only address should be on my 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 2024-10-01 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: AR

Complaint narrative:
Improper use of my credit report. 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, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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