vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in 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, attorney 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 2025-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
Ok starting in XX/XX/XXXX I notified my mortgage company planet home lending that I was having difficulties paying due to covid So in XXXX I do believe the ladies name was XXXX. So her and I filled out paperwork for the vasp. Special program that helps veterans with the mortgage payment. She said it would take 30 days. Well XXXX XXXX XXXX  came and went. XXXX came and went. I called s veral times asking ng for the information the medication dept. Kept getting told that's its in review. Well in XXXX I contacted XXXX at the va home loans dept. He contacted them XX/XX/XXXX. He got response back saying they were sending the VA the paperwork. Well needless to say he never got it. I never got anything. Around XX/XX/XXXX XXXX from the VA again contacted them. Planet home lending told him it's still in review and they will send him paperwork by XX/XX/XXXX approx. On XXXX I contacted XXXX at VA again. He contacted planet home lending and they said he went get it by end of week. Well holidays hit so on XX/XX/XXXX I emailed XXXX again. He emailed planet home lending his response. Still in review So I contacted him around XX/XX/XXXX. Again he got same response under review. 
They told him that in seven months behind. I am not I have all bank receipts and I put every month Well yesterday I mail I got escrow analyst. Its seems they have been helping themselves to my escrow. XXXX for their homeowners insurance XXXX a month for hazard insurance what ever that is and XXXX a month for inspection so they have used a total of XXXX of my escrow I have insurance thru XXXX which was sent to them but yet they ignored that and charged for their own. 
I have tried to call planet home lending and have asked for a supervision on XX/XX/XXXX I got told no supervisors available in any branches I have email XXXX XXXX who is president of planet home lending but no response. I have emailed XXXX XXXX the CEO. But no response. 
These ppl have done nothing for my vasp and I do believe they are trying to make me lose my house I had a great mortgage till end of XXXX then they transferred me to this one. They have lost a payment when they transferred over. C they have taken all my escrow. They keep saying I behind when I am not. Help. This is ridiculous Now they have sent a letter saying I need to pay XXXX due to escrow being short XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022 There is information that on my consumer report that is a result of identity theft I did nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting af this information be blocked and deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc subsection 1666 ( b ) states : ( 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.I recently viewed my consumer reports and noticed some unauthorized credit reporting. These creditors reported late payments on my consumer reports. I never gave written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other

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 2025-01-12 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022 There is information that on my consumer report that is a result of identity theft I did nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting af this information be blocked and deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX} XXXX5 usc subsection 1666 ( b ) states : ( 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.I recently viewed my consumer reports and noticed some unauthorized credit reporting. These creditors reported late payments on my consumer reports. I never gave written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other

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 2025-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: PA

Complaint narrative:
I purchased a NetSpend Visa Prepaid Card, of which I already have numerous other accounts, and I asked what was needed for ID verification and it's been 2 weeks now, after I explained I need prescriptions for my terminal illness and children they still keep telling me my documents are reviewed and account and card usable, for 2 weeks now and it's not been usable at all. I asked what they needed and gave them over 5 verified documents for ID verification from Drivers License to Utility Bill and SS Card as well as updated lease, all dated within 30 days with official letterhead and dates, signatures, my XXXX XXXX XXXX XXXXXXXX XXXX statement, among other documents and my card 15 days later is still unusable and I have literally spent over 24 hours I don't have on the phone with so many reps for NetSpend, all of which were recorded on both ends and all documents I sent in were also CC 'd to attorney 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sunbit, Inc.
State: SC

Complaint narrative:
XXXX/Sunbit has reported a charge-off on my credit report, which indicates that collection efforts on the alleged debt have ceased. However, it is well-established that reporting a debt to a credit reporting agency ( CRA ) constitutes a collection activity under the Fair Debt Collection Practices Act ( FDCPA ), specifically subsection 1692g ( b ). This position was explicitly stated in a letter from FTC Attorney XXXX XXXX XXXX to XXXX XXXX XXXX, which emphasized that such reporting falls within the scope of collection activities. 

Several court cases have relied on this FTC letter as persuasive authority, affirming that reporting a debt to a CRA constitutes a collection activity. Notable examples include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al., which recognized the act of reporting a debt as an attempt to collect the debt under the FDCPA. 

The FDCPA also prohibits debt collectors from providing false, deceptive, or misleading information about a debt to a CRA. This principle is particularly relevant in this case, as the alleged debt has been charged off. Once a debt is charged off, it signifies that the creditor has ceased active collection efforts and written off the debt as a loss. Yet, XXXXSunbit has reported the charged-off debt to CRAs, stating an amount that has already been charged off. This raises a critical question : Is the act of reporting this amount to the CRAs an attempt to collect the debt? 

Evidence from multiple court cases supports the stance that such reporting constitutes an attempt to collect a debt. For example : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These cases illustrate that reporting a debt to CRAs, particularly when the debt has been charged off, may be deemed a collection activity and is subject to FDCPA regulations. Furthermore, reporting inaccurate informationsuch as the amount of a charged-off debtviolates the FDCPAs prohibition against false, deceptive, or misleading practices. 

In conclusion, XXXX/Sunbits reporting of this alleged debt as a charged-off amount to CRAs appears to constitute improper reporting and may qualify as an attempt to collect a debt. This reporting practice aligns with the FDCPAs definition of collection activity and conflicts with the statutes requirements for accuracy and transparency in debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payactiv, Inc.
State: ID

Complaint narrative:
I had XXXX dollars taken from this payroll card through the program " earned wages access ''. I was told I was approved and I wold receive m refund but never do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Experian to request their method of verification on how they were reporting a fraudulent collection account with a past due balance. I also mentioned in that dispute that they were in violation of 15 U.S. Code 1692g. 

On XX/XX/XXXX, I received a notification that Experian updated the collection account that I previously disputed 5 days prior, and they did not provide their method of verification as I requested. I submitted another dispute on this same day and stated, " If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately. '' On XX/XX/XXXX, I submitted another dispute on this day after receiving another notification from Experian stating that they updated the collection account that I previously disputed 6 days prior, and they still did not provide their method of verification as I requested for the 3rd time. In this complaint I stated, " I'm aware that you're being sued by the CFPB for sham/inaccurate investigations. Due to you not providing me with your method of verification after multiple requests, I will be filing a CFPB complaint. '' On XX/XX/XXXX, I received a notification from Experian stating that they updated the collection account. They have still not provided me with their method of verification to prove as to why they are reporting inaccurate things on my credit profile, which leads me to believe they aren't conducting proper investigations.

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 2025-01-12 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:
I discovered that medical debts are still being reported on my credit report, despite the CFPB 's final rule prohibiting such practices. This rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), became effective on XX/XX/year>, and bans the inclusion of medical debts on credit reports provided to lenders. 

The reported medical debts negatively affect my credit score and may influence lending decisions. This violates the CFPB 's regulation, Which aims to protect consumers from inaccurate and coercive debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I request a credit freeze/block/PIN for Transunion, XXXX, XXXX and 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request a credit freeze/block/PIN for XXXX, Experian, XXXX and 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 explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TN

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain 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 2025-01-12 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:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief