vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Regarding Unauthorized Access to Credit Information for ACCOUNT # XXXX Dear Portfolio Recovery, I am writing to formally notify you that I did not provide consent for your company to obtain my credit information. Your actions constitute a violation of my privacy rights and may also be indicative of identity theft. 

Please be advised that I demand you cease all actions related to this unauthorized access immediately. I require that you take the following steps : 1. **Cease all collection activities** associated with my name and personal information. 
2. **Provide written confirmation** that you have ceased all actions and will refrain from accessing my credit information in the future. 
3. **Investigate and rectify any potential misuse** of my personal information within your records. 

I am keeping a record of this correspondence and may pursue further action if this issue is not resolved promptly. I expect a written response within 15 days of receipt of this letter. 

Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Cascade CISS Holdings, LLC
State: DE

Complaint narrative:
On XX/XX/year> me and my mother XXXX XXXX allowed XXXX XXXX XXXX at XXXX run credit checks on are credits for services that she didnt complete which was helping us get a loan to purchase a home my mother XXXX emailed and even set up a phone interview for services early XXXX and no calls were returned I would like This credit inquiry removed so we could go elsewhere to purchase a home she would not continue business with us which was very disappointing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX 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 am a victim of XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
Fell into hard times and wasnt able to pay off this {$500.00} loan. I got 5 calls back to back while at work and tried to call and understand what was going on. My dad had gotten a call that I was going to be arrested! I asked what was going on and the guy on the phone wanted to get my credit card number or they were coming right now to serve me papers at work. I didnt even realize this was a payday loan I hadnt paid yet! I asked why not at home? I live XXXX minutes from Sherriffs office and work is XXXXmin away. They just kept pressing making the payment right then and there even though I asked if they could call back after I got off and they said no! I also received 4 voicemails threatening to arrest me at my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have filed a dispute against the company Spring Oaks Capital Management LLC with all three credit bureau agencies citing the fact that I have no knowledge of this creditor or the account in question and both XXXX and XXXX have removed the account from my credit report XXXX is the only one that hasnt removed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect. I kindly request your investigation and removal of the following items : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PRIORITY HOME MORTGAGE, L.P.
State: TX

Complaint narrative:
I'm in the process of purchasing a new single family home from XXXX XXXX XXXX. I'm using their mortgage provider, priority home mortgage. 

On XX/XX/XXXX, we were communicating via email and I proposed to lock a rate with XXXX points. The mortgage provider sends over a draft cost estimation via email, the " cash to close '' on the draft estimation is {$170000.00} with XXXX points. I locked the rate ( 5.25 % ) and agreed to move forward. 

On XX/XX/XXXX, when I get the disclosure package with the final proposal to sign, I noticed the " cash to close '' becomes {$150000.00}. To confirm this change, I read through the whole doc and saw the " notice of change circumstances reasons '' section at tend of the doc, and it confirmed " Seller credits increased from {$20000.00} to {$40000.00} ''. Since the builder 's mortgage provider 's default interest rate and cost are both actually higher than external providers, and all the other costs are adjusted ( increased ) in this proposal, I think this is a confirmed credit increase to cover the additional cost and signed the doc. 

Then, on XX/XX/XXXX, one week before closing, I received one more disclosure package for fax payment. The " cash to close '' changed from {$150000.00} into {$160000.00}. When I read the rest of the doc, I realized the seller credit is decrease for {$20000.00}, and added a " real estate commission '' of {$26000.00}. The points charge decreased from XXXX points to XXXX points also. 

After calling the mortgage company, I was told the original {$150000.00} is caused by typo in the mortgage terms. While we might have to move forward with the new proposed amount due to only one week from close, I would like to submit this complaint to stop this from happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: LA

Complaint narrative:
In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-12 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: MO

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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. 


XXXX XXXX TRANSUNION 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! 


Update 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 non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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. 


XXXX EXPERIAN XXXX 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! 


Update 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 2024-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/year> the Rocket Mortgage loan # XXXX that does not hold my escrow as it is a secondary mortgage send a notice of imposed flood insurance, I tried to context as I'm not on a flood zone, they requested a LOMA letter and send them the flood map with the zoning as described in the FEMA web site, they disregard the information and although they send me an email saying that they were reviewing the information the went ahead and imposed Flood insurance in the amount of XXXX XXXX ; by my insurance agent advise I purchase flood insurance on XX/XX/year> and paid {$55000.00} for 12 months coverage but they required a 30 day to start the police that was XX/XX/year>. 
Today I receive a letter that I have to pay U {$59000.00} for the time lapsed in coverage ... that as per phone call was XX/XX/year> to XX/XX/year>. 
I understand that mortgage companies can impose coverage, but also understand that they have to be within reasonable market price. XXXX XXXX informed me over the phone that they are not doing anything ilegal and that they are not bound by any rules. Meaning they can charge whatever they want, funny though that the underwriting is a branch of Rocket Mortgage. 
Is there any law protecting the consumer of such abuse? 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, while attempting to pay off a vehicle loan a check for {$13000.00} was provided to me from XXXX XXXX XXXX XXXX XXXXXXXX. The check was made payable to XXXX XXXX XXXX but it was inadvertently mailed to Navy Federal Credit Union. Being that I am not a Navy Federal Credit Union member and the check was not made payable to Navy Federal Credit Union, I patiently waited for the check to be returned via mail. Nonetheless, the check was cashed and deposited to a Navy Federal Union account. I reached out to Navy Federal for assistance in this matter and they refused to resolve this incident on multiple occasions, they claimed that since I am not a member they can not do anything about it. Even when I have proof of the cashed check. This comes across as someone committing fraud or a Navy Federal employee making a mistake. Either way I need this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX15 U.S. Code 1681 ( XXXX ) XXXX states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 XXXX XXXX ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your 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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>, I used Bank of America 's XXXX XXXX service to authorize a one-time debit to pay my Bank of America XXXX XXXX XXXX  XXXX my XXXX checking account. 

Although my XXXX checking account had sufficient funds, unbeknownst to me, XXXX had placed a hold on an item ( a check from the XXXX XXXX XXXX ) that I had deposited on XX/XX/XXXX, until XX/XX/XXXX. ( XXXX is almost broke, so it's totally logical that XXXX would hold a {$110.00} check from the state for a month, although it would have been nice to tell me about the hold, which they didn't. ) XXXX notified me on XX/XX/XXXX that the Bank of America XXXX had failed. The following day ( XX/XX/XXXX ), I received an email from XXXX also stating the payment had failed. The email from Bank of America stated : " Action Required : This payment is still due to the Pay To account. Please deposit adequate money in your Pay From account and reschedule this payment using XXXX XXXX or make the payment using an alternative method. '' Per the instructions in the email, that day ( XX/XX/XXXX ) I scheduled a new payment via the XXXX XXXX website, and moved additional funds between XXXX accounts to cover it. My XXXX account was successfully debited on XX/XX/XXXX. 

Today, XX/XX/XXXX, I was notified by XXXX that Bank of America attempted another debit, which failed. On Bank of America 's online banking web site, the original payment as well as the rescheduled payment both show as " processed. '' Nowhere does Bank of America XXXX that transactions will be reattempted, or how frequently, or how long will elapse between repeat attempts. In fact, the email I received about the failed payment stated THE OPPOSITE, that I needed to reschedule the failed transaction myself. I would not have done so, if I had known the original payment would be automatically re-attempted. 

Further, I authorized a ONE-TIME payment. Nowhere did I authorize them to repeat the same payment multiple times.

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 2024-11-13 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation