vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter

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 2024-07-19 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: MA

Complaint narrative:
DEAR BANK OF AMERICA ; I was shocked when I reviewed my credit report and found late payment, negative, and chargeoff and collections account on my credit report from your bank. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 
Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial well-being.

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 2024-07-19 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: CA

Complaint narrative:
I am submitting my identity theft report regarding fraudulent accounts that are still appearing on my credit report. I have already informed TransUnion about the fraudulent nature of these accounts.

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 2024-07-19 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The company shellpoint/NewRez states in the answer to the prior complaint that XXXX XXXX XXXX XXXX requested that I provide documentation related to my prior deferment and that it was XXXX related. I did as requested and called XXXX XXXX XXXX XXXX after my appeal was denied. I was told that while I am to provide evidence, my lender needed to confirm my claim. The lender was unable to confirm the documents that I submitted as they did not have an accurate and complete mortgage file. Therefore, I was denied. Shellpoint is to report accurate and complete information regarding my loan. That is their due diligence. They failed, so they should correct that information with XXXX XXXX XXXX XXXXXXXX. They lender can not make decisions or change outcomes of applications with the program. However, they must be able to validate my independent information with their information on file. They mishandled the application process, they belittled me when I repeatedly called to discuss the matter, it took an inordinate amount of time for them to answer the program, thereby it played the clock down and funds are now low and the application process is closed. Shellpint/NewRez is responsible to mitigate this matter with loan forgiveness or face legal action. CFPB must escalate this matter beyond having lender answer complaints and close report. I am demanding this matter be escalated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information 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 explanation
Consumer complaint received 2024-07-19 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
I was wondering why I couldn't afford even a slight help from a XXXX  but then I remember that my loans are all getting declined because I do not have a credit score enough to get one. This is because inaccuracies are being reported on my file.

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 2024-07-19 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.
State: IN

Complaint narrative:
My account with XXXX XXXX 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. 


XXXX 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!

Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
On or around XX/XX/XXXX - XX/XX/year>. Multiple calls were made attempting to get assistance to make a payment. A call was necessary because I needed the payoff amount. I could not get through to an agent and was met with an automated message saying no one was available. It was obvious they were having system issues. I called a few times. As a result XXXX has reported my account delinquent. This would not have occurred if their phones were operational. I am also currently experiencing an issue with making a payment with my debit card and that is also failing. I will be emailing a screenshot to web services regarding this. This complaint is only in reference to XXXX, which I have also confirmed with an XXXX that XXXX was experiencing phone issues on or around that time. The fact that I mentioned this in a XXXX in the online portal and XXXX still chose to report this as late is unacceptable. I ask that you remove this ASAP. 
XXXX has been never helpful in removing lates even as a courtesy, or due to covid. In this case this is your fault.

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 2024-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened this savings account back in XXXX as a way to save some extra money after opening a car dealership business. I started by writing checks from the business account and was depositing them into my M & T Bank savings account. Back in XXXX the checks were flagged as fraudulent, and I was asked to provide documentation proving I was the owner of the business. I did. After I did, back in XXXX they said everything should be fine. My last deposit, I believe, was maybe in XXXX because of this. Since then, I have gone to the branch to close the account to get the money in XXXX and at first was given a hard time because of the fraudulent issue in XXXX. It took months for them to say they'd give me a check for {$32000.00} but not the rest ( XXXX ) because of the fraudulent issue. I was told I would receive a call to get information as to how to get the XXXX. I never did. More months passed because I was not able to get into the branches due to my schedule. Finally, in XXXX, I was able to speak to someone at a XXXX in New York and they told me it was rectified and I would just need to wait weeks for them to send me a form to change my address on file. I never received a call or email, as they said I would. This was in XXXX, I believe. I kept calling to follow up at the branch in New York, and finally they told me the account was closed, but I hadn't received the funds, or the call to change my address. They said just keep waiting. I went back in to complain and they told me all they can see is that the account is closed and there are no funds. I called customer service and they told me to go to a branch to solve this. I thought there was nothing I could do. Please help.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon checking my credit report I found an account that is reporting without my knowledge or consent. XXXX XXXX XXXX opened XX/XX/year> is a fraudulent account whom i never gave permission to run my credit or furnish my information. This is identity theft and in violation of several of my right including right to privacy and permissible purpose to furnace information. Please be aware that anyone could have stolen my personal information and made an fraudulent account. The account is also furnishing inaccurate information such as address email and phone number.I never did any business with this company nor have I ever heard of this company.

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 2024-07-19 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.
State: TX

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 2024-07-19 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: IN

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Violation of the law by reporting inaccurate information on my consumer report according to FCRA consumer law 15usc1681 ( E ) ( B ) 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.

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 2024-07-19 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: CA

Complaint narrative:
I am submitting my identity theft report regarding fraudulent accounts that are still appearing on my credit report. I have already informed Equifax about the fraudulent nature of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California [ XXXX ] GM FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom It May Concern : I recently have received a copy of my ( XXXX, XXXX or XXXX ) XXXX report and, I have noticed it is reporting my EXPERIENCE with your company. The line of credit I have with your company, Which is characterized as Utilization on my consumer reports. GM FINANCIAL IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! GM FINANCIAL ACCOUNT # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( A ) Subject to section 1681s3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer report and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer ( XXXX XXXX ) and the person ( YOU ) GM FINANCIAL Making the report is NOT INCLUDED on my consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ GM FINANCIAL ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included in my consumer reports! YOU HAVE VIOLATED THE FCRA 15UCS 1681a 2a ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORT. You have 10 calendar days to update my utilization to 5 % or below and or delete all utilizations from the below account/s [ XXXX ] Failure to respond satisfactorily with deletions of the above utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent Non-Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair credit reporting act 15usc 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15U.S.C.1681n ] Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
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 no later than 21 days before the payment due date.

Ally Financial 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IN

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XX/XX/scrub>XXXX  Attempted to make a purchase at XXXX and entered this card for payment ; it was declined. 
XX/XX/year> Attempted to make a purchase on XXXX and entered this card for payment ; it was declined. 

All other online retailers I attempt to use the card to purchase anything, have been declined even though the balance is full and available.

Company response to consumer: Closed with explanation