vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,, NV XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise

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 2025-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I have been paying for my medical out of pocket all year and I have made several attempts to process my funds for reimbursement and I have yet to receive a dime. 

I am XXXX XXXX XXXX XXXX, it is a burden to keep having to use my physical XXXX to ask conpanies to uphold their end. 

I have over XXXX and its been months and still no funds depositing.this has put a strain on my finances as I am a XXXX XXXXXXXX veteran and this is impacting my credit score and the ability for me to get approved for a home loan homeless, the information you have on file is inaccurate I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost a year. 
I was terminated from XXXX while attempting to focus on my health to live. 
XXXX still isn't good and I need the funds ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
This complaint is regarding loan # XXXXXXXX XXXX  Dated XX/XX/year>2021 this document was a XXXX to a Promissory Note which was part of a Mortgage alleged XXXX XXXX or XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and this XXXX had my name on this XXXX for Payment and did not disclose this information which I believe would be Forgery undisclosed information to the alleged Borrower of a loan I believe this loan was XXXX on this date because of my signature on this XXXX  and the XXXX XXXX Vice President and XXXX XXXX President also signed this XXXX to the Promissory Note and executed the funds using my name and Pay to the Order to themselves Without Recourse and used my address XXXX XXXX XXXXXXXX. XXXX XXXX, Arizona this was an extra page added to the promissory note called an XXXX after signing for credit to purchase a home I believe this is illegal and all paths I believe lien that way and the Loan Amount was XXXX and actions taken possible foreclosure now my current servicer is Fay Servicing they are the current servicer XXXX XXXX was my XXXX servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
Heres a strong dispute letter using 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to demand removal of a collection from your credit report. This letter also references recent CFPB lawsuits and past cases where XXXX, XXXX, and Experian have been sued for violations. 

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX Credit Bureau Name ( Experian, XXXX, or XXXX ) [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Collection Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute an inaccurate collection account appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I demand that you remove this erroneous information immediately.

This account is inaccurate, unverifiable, and causing harm to my credit profile. As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if an item can not be verified within 30 days, it must be deleted. I am formally requesting the following : 1. Full investigation into the accuracy of this account. 
2. Proof of verification from the original creditor.

3. Immediate deletion if no verifiable proof is provided.

Recent Legal Actions Against Credit Bureaus & CFPB Lawsuit The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, XXXX, and Experian for failing to properly investigate consumer disputes and illegally harming consumers creditworthiness. The CFPB vs. XXXX, XXXX, Experian lawsuit highlights the credit bureaus repeated FCRA violations. 

Additionally, the following cases demonstrate how the credit bureaus have been found guilty of similar violations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was ordered to pay over {$60.00} XXXX for failing to ensure accurate credit reporting. 
XXXX XXXX XXXXXXXX, XXXX XXXX was sued for providing inaccurate information and failing to correct errors, resulting in a multi-million dollar settlement. 
FTC vs. Experian, XXXX Experian faced legal action for misleading consumers about credit scores and dispute rights. 

Given these legal precedents and your ongoing obligations under 15 U.S.C. 1681, failure to properly investigate and remove this collection will result in further action, including a formal complaint with the CFPB, FTC, and potential legal action. 

I expect confirmation that this account has been deleted from my credit report within 30 days. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
My account with 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 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 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-02-19 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
We have a relatively new installment loan with M & T bank. Every month, the statement is showing up within 2-3 days of when the payment is due, and for XXXX I just opened the statement on XX/XX/XXXX with a bill due date of XX/XX/XXXX. 

The statement period ended XX/XX/XXXX. It took over 2 weeks to receive, and didnt arrive until after the due date.

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
Hello cfpb AI, Discover sued me. I hired an attorney and negotiated a settlement with Discover 's attorney, XXXX XXXX. I paid {$7000.00} as agreed. The matter needs to be wrapped up now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
This loan was with XXXX XXXX who sold it to SPS. 
SPS is telling me there is no authorization on file to speak with me yet XXXX XXXX has everything and should have transferred all of it to SPS. They will not contact XXXX XXXX to obtain that information. 
Suddenly the mortgage company, SPS, is escrowing my taxes and insurance when previously all they had escrowed was flood insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had XXXX transactions at different places posted to my account as pending on XX/XX/year>. I called Chase and disputed the charges. They later overturned the dispute in the vendors favor saying that my chip was used and they cant be duplicated so it had to have been me. They suggested maybe i forgot or someone used my card and put it back. Neither of these things happened and upon further review thousands of other Chase debit accounts have been hacked in the same way they say isn't possible. Rather than take accountability for their lack of security i was told " prove it wasn't you who used the card in another dispute '' and when i asked how i would do that they told me they can not tell me. Do i need to have my wife write a letter saying we were at home? This seems like a way the company uses to pass the burden of their losses do to theft onto the very people that were stolen from. The lack of transparency and helpfulness leave me, a loyal Chase customer of over a decade who has never missed a payment, feeling taken advantage of and without recourse. A simple XXXX search will show countless news stories of this happening but the people at Chase pretend it isn't possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
My accounts 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 to be removed/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. 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 2025-02-19 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: IL

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 2025-02-20 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: AL

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report, as it is fraudulent and does not belong to me. The account in question is : Creditor : XXXX XXXX XXXX XXXX : {$1700.00} I have never opened an account with XXXX or XXXX XXXX XXXX, and I believe this account was opened fraudulently. I request that this account be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ). 

Attached are copies of my identification and a report showing the fraudulent account. 

This account does not belong to me. 

Thank you for your prompt attention to this matter. Please respond to my request at your earliest convenience. 

Sincerely, 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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> was supposed to be a refund from XXXX XXXX for XXXX XXXX and XXXX then on XX/XX/XXXX from XXXX XXXX I had several transactions which was XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XX/XX/year> was supposed to be refunded went back said it went back to my XXXX XXXX  I never received it then on XXXX the XXXX another refund was supposed to be sent to my XXXX XXXX  account it never got there from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was on XX/XX/year> from XXXX XXXX  all of those was supposed to be refunded the same thing never received them cash app tells me they sent him to XXXX XXXX  they have not done it then on XX/XX/XXXX from XXXX XX/XX/year> XXXX XXXX XXXX was supposed to be refunded never got refunded to me I miss the XXXX all those added together is a total of {$720.00} I'm out that's supposed to been refunded to me through cash app and cash app never refunded them they show that they was refunded to me on my cash app statement but I've never received them they all say they went back to my XXXX XXXX  account and they have not done checked with my bank went through my bank back and forth for since XXXX this has been going on further than that but I can't really think about a lot of them I'm just catching all these thank you

Company response to consumer: Closed with explanation