vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: TN

Complaint narrative:
To whom it may concern, I never gave Transunion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY. 

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. I was never late on this account. 
XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. ( Under 15 USC 1666B this is a billing error. I was never late ) 2. The status is incorrect for the following account XXXX Please remove it from my credit report.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY

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 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
We purchase kitchen faucet, garbage disposal, and vanity from the XXXX on XX/XX/year>, and we received the items by XX/XX/year>. Due to the home construction space configuration change, we had to return the items, and requested a return, and the merchant authorized the return, and we returned the items back on XX/XX/year>, which was within the merchant 90-day return policy.

After confirming the returned items were successfully returned and return status " returned '', we contacted the merchant for the refund status several times, but we did not receive any response from the merchant. So we contacted our credit card company, Bank of America, to
dispute the charge on XX/XX/year> because Bank of America Dispute Department customer service reresentative once confirmed that we had about 180 days to open any disputes if our attempts to resolve any issues were not successful.

To my surprise, the representative I spoke with on XX/XX/year> said that 180-day was incorrect information, but she confirmed that we still had rights to open the dispute for the credit refund not received for the returned items. So I spent some time to provide all the details of the transactions along with return tracking numbers. She confirmed that she successfully filed the dispute for the XX/XX/year> {$1900.00}. 

After opening this dispute, since we usually received an email, but we have not received any letter from Bank of America to confirm the dispute, I called Bank of America dispute department back on XX/XX/year>. A new representative said the dispute claim was denied due to the time. I explained to her that Bank of America Dispute Department advised that we had 180 days to open any dispute, that's why we tried so hard to resolve the issue with the merchant by waiting and waiting. She understood, and told me that she would file an internal complaint about the dispute decline decision.

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 monetary relief
Consumer complaint received 2024-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted my Capital one in regards to them not reporting my account information to XXXX and I contacted XXXX and let them know they werent making my capital one account info available, like XXXX XXXX and XXXX are. As a result my total credit line does not show my capital one account or my credit line on XXXX. Capital one, 30 days later said they are providing the information, but theyre not because XXXX is not making the data available. So one of the two arent providing it and each one is pointing fingers at the other about the issue. Only 2 of my 3 cards are being reported with a total credit line of {$2500.00}. Capital one is missing, another {$6500.00} in credit line which would be {$9000.00} total, not {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collection Services, Inc. (OK, TX)
State: TX

Complaint narrative:
ALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Indigo Mastercard has placed a restriction on my account where I am not able to make payments. XX/XX/year> I talked to a agent and that agent told me that they could not talk to me or take my payment I should receive a letter in the mail which I never got about the severities of my account I did not what to do next.

15 U.S. Code 1666b - Timing of payments U.S. Code ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

The company also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: DISCOVER BANK
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
Debt was from XXXX  XXXX  they are asking for cash advised them that I had insurance and I also been in and out of hospital XXXX XXXX  they are asking me for cash I'm XXXX can't work no money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
It appears that my credit report contains two different versions : 1. What is visible to me ; 2. What is visible to Equifax. 
According to Equifax ( report that is visible to me on my end ) I have no collections, no delinquent accounts and no debt ), however, it appears that Equifax contain completely different version of my report that delinquency, late payments and negative information that affects my credit score and my well-being.

Same account that is reported in good standing and visible on my end has negative ( and/or ) collection status visible to Equifax and other merchants.

When I requested explanation as to why there is such a discrepancy in information being reported and information visible to me I had no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MD

Complaint narrative:
My account with EQUIFAX XXXX 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MI

Complaint narrative:
I keep putting in complaints because I am the victim of identity theft as you can see in the attached documentation thats below XXXX XXXXXXXX SENT ME A LETTER SAYING A CARD WAS OPENED FRAUDULENT PLEASE REMOVE IMMEDIATELY I GOT A COPY OF MY CONSUMER REPORT AND STILL SEE XXXX XXXXXXXX REPORTED ON MY REPORT I ALSO PUT A COMPLAINT ABOUT XXXX XXXX LATE PAYMENTS AND ITS AGAINST THE LAW TO HAVE SOMETHING NEGATIVE REPORTED THAT I DONT WANT THAT INFO SHARED NO WHERE PUBLICLY WITH OUT MY CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MI

Complaint narrative:
I keep putting in complaints because I am the victim of identity theft as you can see in the attached documentation thats below XXXX XXXXXXXX SENT ME A LETTER SAYING A CARD WAS OPENED FRAUDULENT PLEASE REMOVE IMMEDIATELY I GOT A COPY OF MY CONSUMER REPORT AND STILL SEE XXXX XXXXXXXX REPORTED ON MY REPORT I ALSO PUT A COMPLAINT ABOUT XXXX XXXX LATE PAYMENTS AND ITS AGAINST THE LAW TO HAVE SOMETHING NEGATIVE REPORTED THAT I DONT WANT THAT INFO SHARED NO WHERE PUBLICLY WITH OUT MY CONSENT

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 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I requested the mortgage company ( NewRez, C/O XXXX XXXX  XXXX  | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ) add my mortgage to my credit report as I have never made a late payment. They stated that the home was discharged in XXXX and that they would not add it to my credit report. The home was NOT included in the bankruptcy XXXX years ago and I am still living in the home and paying the mortgage. The lack of reporting my mortgage to my credit report is making it extremely difficult to re-finance a new mortgage if I choose, I can not access my equity in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Javitch Block LLC is representing XXXX XXXX XXXX and collecting on their behalf. I agreed to pay the debt back and a payment plan was created. I was told by a representative on a recorded call, as stated by the representative, that I would get a notice in the mail agreeing to the payment plan and that I must sign it and mail it back to Javitch Block LLC for the plan to be effective and the attempt to sue will cease. I did receive the notice, however the notice is an agreed judgement against me plus an 8.50 % interest rate per annum for the cost of this action ; which I WILL NOT agree to. That information was not reported via the phone call that I had with any representative. I have a payment plan already set up and agreed to such payment plan over the phone. I did not agree to an agreed judgment via the phone call. They state that conversations were recorded so that should be listened to. Javitch Block LLC which is collecting on behalf of XXXX XXXX XXXX appears to be trying to force me to agree to a judgment against me while I have a payment plan in place. They also did not state that the letter that needed to be signed by me was an agreed judgement. That seems illegal. Payment plans negate the need for a lawsuit and judgment. They did not do their due diligence to explain the details of the notice and are trying to force me to sign or they will terminate my payment plan and make attempts to sue.

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 2024-10-21 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: WI

Complaint narrative:
In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S. C 1681 section 602 A. States I have right to privacy 15 U.S.C.

Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states no consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which
antedates the report by more that 7 years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I went to a Debt Consolidation Company, XXXX XXXX, and after paying them they were reporting on my Credit Report 3 Times. They were to use the Debt Consolidation Loan, and payoff the Credit Cards. Instead all of the Debt is still on my Credit Report.

Jefferson Captial is On My Credit Report, who I never did
business with along with XXXX XXXX. 


They are illegally reporting kn my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
I am writing regarding my second dispute as a victim of identity theft. Enclosed are copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity. This is my second formal request, as my initial dispute was unjustly denied despite the clear evidence of fraudulent activity. 

I have reviewed my credit file again, and the fraudulent information still does not relate to any transactions I have made. I am requesting that this incorrect information be immediately blocked and removed from my credit file. This is not a regular dispute ; I have filed a complaint with the Federal Trade Commission to document this identity theft. 

Pursuant to Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts and incorrect personal information from my credit file within 4 days of receiving this letter : Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Identity Theft - Fraudulent Bankruptcy Case : Bankruptcy XXXX  XXXX Case Number : XXXX Please remove this from my credit report. 

XXXX XXXX This second request reflects the seriousness of my situation, and I expect the fraudulent information to be blocked and removed promptly as required by law. Failure to address this matter appropriately may result in additional actions to protect my rights. 

Thank you for your attention to this issue, and I look forward to confirmation that the fraudulent information has been removed.

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