vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: Experian Information Solutions Inc.
State: GA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I applied for a checking account at frost bank. I received an welcome email from the bank XX/XX/year> at XXXX XXXX  that they were sending my debit card to an old address. At that point I reached out to the bank and was inquiring about my banking details. I then learned that frost bank couldn't verify me because they said my telephone number was different than what was provided. I was then directed to XXXX XXXX which is a financial manager at the frost bank in clear lake which states at the time for me to go to a branch and show my credentials so I can get verified. After I showed my credentials at the XXXX texas location XXXX XXXX XXXX gave me my debit and direct deposit info. An hour later my account was closed by XXXX XXXX which is unfair to me when asked why I was told by XXXX XXXX at the XXXX XXXX location that I didn't provide the correct info but if I didn't provided the correct info why was I given my debit card and direct deposit info. I was told by the bank to obtain a police report that wasn't giving me any info just being rude and unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Subject : Immediate Intervention Required : Missing {$4000.00} in Unemployment Benefits Potential Fraud and Systemic Failure Dear CFPB, I urgently request your immediate intervention in a critical issue involving the Money Network, a subsidiary of Fiserv, which manages Unemployment Insurance benefits. Since XXXX, transactions totaling over {$4000.00} have been marked as completed, yet these funds remain missing from my XXXX  XXXX XXXX account. The last successful transfer was on XX/XX/XXXX, with subsequent transfers on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all showing as completed but never received. 

Despite multiple attempts to contact Money Network and Fiserv, I have encountered systemic failures in communication and support. This significant financial impact threatens my ability to pay rent, and the lack of accountability from these entities raises escalating concerns of potential fraud and negligence. 

I have already contacted XXXX XXXX and XXXX, and Congresswoman XXXX. If this issue is not resolved urgently, I will be forced to escalate through legal action and public exposure via media outlets. 

Please address this matter with the highest priority and respond promptly.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
I was completely stunned to discover inaccurate accounts on my credit report this morning, with no explanation as to why theyre there. I check my credit report regularly, and this time, these discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a technical error, but the accounts didnt disappear. Because of this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can stop worrying about 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 2024-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Correspondence was sent to Affirm LLC ( registered agent : XXXX XXXXXXXX ) and they have not responded with the information requested. Dated for XX/XX/year> along with certified mail item XXXX XXXX XXXX XXXX XXXX asking for validation. The second correspondence was dated for XX/XX/year>, certified mail item number : XXXX XXXX XXXX XXXX XXXX. The company did not respond with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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 2024-08-14 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: TX

Complaint narrative:
My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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 2024-08-14 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: AZ

Complaint narrative:
Complaint against XXXX XXXX XXXX and Experian Inaccurate Collection Account on Credit Report I am filing this complaint regarding an inaccurate collection account reported by XXXX XXXX XXXX on my Experian credit report ( Account Number : XXXX ). 



XXXX. **Failure to Investigate ( FCRA Section 1681s-2 ( b ) ) : ** XXXX XXXX XXXX XXXX XXXX XXXX a reasonable investigation after the account was disputed as inaccurate and removed from my credit report years ago. Despite providing evidence, the account remains on the credit report as a collection. 

XXXX. **False Representation ( FDCPA Section 1692e ) : ** XXXX continues to report this debt as belonging to me, which is false and misleading. As they are debt buyers and have purchased the debt to which I have proven i am not party to. 

3. **Unfair Practices ( FDCPA Section 1692f ) : ** Reporting incorrect information to damage my creditworthiness constitutes unfair and unconscionable practices and I have suffered damages because of the violations. I demand restitution. 

4. **Dispute Handling ( FCRA Section 1681i ) : ** Experian has not properly handled the dispute by failing to remove the inaccurate information after already removing it before as it was identified as identity theft. 

5. **Inaccurate Reporting ( FCRA Section 1681s-2 ( a ) ) : ** XXXX is furnishing information they know, or should know, is inaccurate or incomplete. 

XXXX. **Harassment ( FDCPA Section 1692d ) : ** The continued false reporting contributes to harassment and abuse. My consumer rights are being violated with the defamation taking place. 

7. **Improper Access ( FCRA Section 1681b ) : ** XXXX lacks a permissible purpose for accessing my credit report as a third party interloper. 



Immediate removal of the inaccurate collection account from my credit report and confirmation of this action. 


Thank you

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 2024-08-14 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: TX

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I had a 2nd mortgage with Specialized Loan Servicing. This loan was purchased by Shellpoint. While with Specialized Loan Servicing I entered into a modification agreement with three trial payments. After making the third trial payment but before the loan modification was finalized the loan was sold. Now Shellpoint is refusing to honor the terms of the modification agreement and is insisting that I fill out " their '' forms and start the modification process again from scratch. I do not believe they are allowed to disregard the agreement I had in place with SLS. The first time I called on this matter they told me to just continue to make my modified payment while the documents catch up with the transfer of the loan. When I went to make the payment they refused payment, that is when they told me I must start the modification process over again.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXXXXXX XXXX  XXXX Account Number : XXXX, Account name : XXXXXXXX XXXX  Account number : XXXX, Account Name : XXXX  XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, has violated my rights. 

I looked at my XXXX 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 inaccurate.

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 2024-08-14 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: MO

Complaint narrative:
These accounts are involved in litigation, I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume no knowledge of the collected debts, in fact exists 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 {$8100.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX 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 2024-08-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
These accounts are involved in litigation, I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume no knowledge of the collected debts, in fact exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$8100.00} XXXX XXXX XXXX  XX/XX/XXXX {$150.00} XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I received a harassing letter and ph call claiming I owed a medical debt. I immediately requested validation of the debt, the company sent statements which according to Federal Credit Union v. Kauanoe*, 62 Haw 334 ( 1980 ) statements are not instruments proving debt. The company sent no contract or agreement of services. Furthermore they are using a 3rd party processor to print and send billing statements which is a direct violation 15 U.S. Code 1692c ( b ), as I have not granted them permission to share my information with a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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:
Ive sent many letters to TransUnion of dispute indicating of all the errors and unlawful practices of their company not complying with the FCRA Law that violated all my right continuously time after time. Ignoring all my disputes even when the evidence was presented. Ive collected all my documents and paperwork incase its they are needed in court to show how they neglected and failed to obey the Law. This TransUnion claims their database is correct and accurate but Ive shown how this company is so unreliable and inaccurate. Refuse to listen to consumers rights. I believe this company should be penalized and hold accountable for their negligence.

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