vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 reporting agency may make any 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 than seven years.

15 U.S.C. 1681s-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 that the information is inaccurate.

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 2024-07-16 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 thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to XXXX XXXX XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been denied credit and online savings accounts because apparently there is a credit lock on my equifax report. I have tried several times over several months to fix this myself. In fact I came here several weeks ago to file a complaint and never heard from them. Equifax does not offer live chat help over the phone everything is done remotely overseas and I can not find help to access my account and see why I have a credit lock on my equifax report. I did not place a freeze or a lock on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and XXXX be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ), your reporting agency XXXX be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting XXXX for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.

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 2024-07-17 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: MI

Complaint narrative:
According to 15. U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate account XXXX XXXX XXXX XXXX Account # XXXX : Please DELETE from Credit Report Please remove this inaccurate information from Credit Report. Thank You.

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 2024-07-16 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: FL

Complaint narrative:
Ive sent dispute letters through XXXX, company that I hired to fix my credit score but I havent gotten any responses from the Credit Bureaus by mail.

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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Venture XXXX card from Capital One. My rewards are unusable since there is a system glitch with authentication regarding my phone number. 

Its a known system issue that plagues many but they are not transparent nor proactive in fixing the errors. Some users must wait a month for functionality to return but given no reason or resolution I can not afford to wait a month with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received a letter from Radius Global Solutions stating I owe {$170.00} to XXXX XXXX XXXX. From my understanding, this would fall under the medical debt under {$500.00}, which they shouldnt be able to report or collect. Im not familiar with the rules, so I figured Id submit a complaint if it aligns with that law.

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 2024-07-16 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: OR

Complaint narrative:
Given XXXX 's denial of attempting to repossess my vehicle while under the bankruptcy stay, I am questioning the legitimacy of my loan and any business relationship with XXXX. If XXXX is not acknowledging their breach of bankruptcy law, I can not acknowledge the validity of this loan or any claims they make regarding my account. 
As a result, I wish to dispute the loan and any associated negative remarks on my credit history. If XXXX can not validate the loan or the actions taken regarding the repossession, these entries should be removed from my 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 2024-07-16 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: OR

Complaint narrative:
Given XXXX 's denial of attempting to repossess my vehicle while under the bankruptcy stay, I am questioning the legitimacy of my loan and any business relationship with XXXX. If XXXX is not acknowledging their breach of bankruptcy law, I can not acknowledge the validity of this loan or any claims they make regarding my account. 
As a result, I wish to dispute the loan and any associated negative remarks on my credit history. If XXXX can not validate the loan or the actions taken regarding the repossession, these entries should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: OR

Complaint narrative:
Given XXXX 's denial of attempting to repossess my vehicle while under the bankruptcy stay, I am questioning the legitimacy of my loan and any business relationship with XXXX. If XXXX is not acknowledging their breach of bankruptcy law, I can not acknowledge the validity of this loan or any claims they make regarding my account. 
As a result, I wish to dispute the loan and any associated negative remarks on my credit history. If XXXX can not validate the loan or the actions taken regarding the repossession, these entries should be removed from my 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 explanation
Consumer complaint received 2024-07-16 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: DE

Complaint narrative:
My Equifax credit score is not showing up on any of my credit monitoring accounts. Also when I went on my Equifax.com website it shows a social security number that does not belong to me. My correct social is XXXX, and the correct spelling of my name is XXXX XXXX XXXX my current address is XXXX XXXX XXXX XXXX XXXX XXXX. According to the FCRA my correct personal information needs to be updated and reported immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I have been paying XXXX XXXX a monthly fee for over three years to monitor my XXXX scores and see my credit reports in real time each month as I am shopping for a home. They have been a great company to work with. 
My credit scores have remained across the board between XXXX for a long time. I use one credit card every month and pay the balance like a debit card to maintain these scores. I have never missed a payment and this reflects in the current XX/XX/year> credit report, however, all my scores suddenly dropped over 100 points this month with no late payments or over limit amounts. In short, nothing changed on my end. For whatever reason, my consistent on time payment this month is the only suggestion the credit card company has offered so far and this makes no sense. I am following the credit card terms and on time payments, most of the time paying above and beyond including the full balance and early and I am now being penalized this month with no explanation, while lowering my scores across the board to XXXX. 
I have worked hard to maintain my credit and now either XXXX XXXX or XXXX credit card are not playing by their own rules. In my XXXX decades on this earth, credit scores only drop like this when payments are late or over limit or fraud, not paid early, on time and in full. I am respectfully asking for CFPB 's support as I intend to file in small claims court if this is not corrected by XXXX. There was no reason for this to happen and after two calls to XXXX card services, emails to my local branch and calls to XXXX XXXX, no one will find a solution to a problem I did not create. Thank you. 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 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a letter in the mail from a company stating an account in my name has been transferred to Resurgent Capital Services and if I needed any additional information to reach out to them. I researched the company for their address and sent them a debt validation letter on XXXX XXXX requesting detailed information about the collection in question. On XX/XX/XXXX, I received a credit report notification stating that a collection account has been added to my credit report and it happened to be the account in question. I still have no received any information about this debt since I sent the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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 need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or 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
Consumer complaint received 2024-07-17 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: 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 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 2024-07-17 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Received gift card XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : Called phone number on back of gift card to activate it I was under the impression that service fees against inactive cards is illegal and supposed to have been corrected after the CARD Act in XXXX was passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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 account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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 2024-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Hillcrest Capital, LLC
State: TX

Complaint narrative:
I recently reviewed the documents from my XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, and it looks like there were some violations of the XXXX  XXXX on the loan at closing. Please review. 
I was working with XXXX XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I was not provided with the required final itemized disclosure of the actual fees, interest, and costs, that will be charged at closing before closing date. 
The lender did not sign a written acknowledgment as to the fair market value of the homestead property on the date of closing. 


-Also as stated before, I did not get notice of the XXXX XXXXXXXX XXXX XXXX before closing, which wouldve effected the closing of the loan. 
Sec. XXXX. XXXX OF XXXX FROM FORCED OR UNAUTHORIZED SALE ; EXCEPTIONS ; REQUIREMENTS FOR MORTGAGE LOANS AND OTHER OBLIGATIONS SECURED BY XXXX. ( a ) The XXXX of a family, or of a single adult person, shall be, and is hereby protected from forced sale, for the payment of all debts except for : ( f ) A refinance of debt secured by the XXXX, any portion of which is an extension of credit described by Subsection ( a ) ( 6 ) of this section, may not be secured by a valid lien against the homestead unless either : ( 1 ) the refinance of the debt is an extension of credit described by Subsection ( a ) ( 6 ) or ( a ) ( 7 ) of this section ; or ( 2 ) all of the following conditions are met : ( A ) the refinance is not closed before the first anniversary of the date the extension of credit was closed ; ( B ) the refinanced extension of credit does not include the advance of any additional funds other than : ( i ) funds advanced to refinance a debt described by Subsections ( a ) ( 1 ) through ( a ) ( 7 ) of this section ; or ( ii ) actual costs and reserves required by the lender to refinance the debt ; ( C ) the refinance of the extension of credit is of a principal amount that when added to the aggregate total of the outstanding principal balances of all other indebtedness secured by valid encumbrances of record against the XXXX does not exceed XXXX percent of the fair market value of the XXXX on the date the refinance of the extension of credit is made

Company response to consumer: Untimely response