vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
Received a phone call from XXXX & XXXX, XXXX on behalf of MetLife on XX/XX/XXXX stating they are trying to collect an overpayment from a Long Term Disability Claim from XXXX. I never received any documentation from MetLife regarding an overpayment in XXXX and do not think it is legal to come after me 8 years later when I no longer have access to documents to substantiate the claim. MetLife has confirmed that they forwarded this claim to XXXX XXXX XXXX in a letter sent XX/XX/XXXX. I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX and have notified them via phone that I intend to fight this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I received a check in the mail for XXXX in XXXX or XXXX of XXXX. I cashed the check because at the time i was traveling from state to state with my XXXX XXXX XXXX son who had XXXX in efforts to try and save his XXXX  so my expenses were heavy and my income was not. I paid the loan as i could but near and after his XXXX  things became increasingly tight and as things got tighter for me the collection efforts at the company became more and more aggressive. Which I understand because I myself am a XXXX  XXXX for a XXXX XXXX and have been for over XXXX years. So I am well aware of hardships, modifications, all of which were denied to me. I explained over and over that i had willingness to make payments but the payments i could make often the manager XXXX would decline. Many times i could not afford XXXX $ so i would drop a payment to the office of of XXXX $ and event XXXX $ thinking i can pay as i get money because getting a whole XXXX $ deemed almost impossible but the office would mail the check payment back to me. I am in the possession of 3 returned letters from the office where they mailed my checks back to me. They always tell me that my account is in legal status or they cant take a partial payment or nothing can be post dated to my payroll day, I work with people everyday and I pride myself on being firm but fair but most of all I operate with compassion which we all need in this day and time. I know that XXXX gives me a hard time because i work in the same field but we are far different a manager. I would drive all the way to his office and drop a check in the slot that he will get on a Thurs and be dated for Friday and he will mail it back saying its against the law to take a post dated check. I have worked for XXXX companies XXXX XXXX  XXXX  and XXXX and none have stated that a post dated check is against the law. I called the office a couple days ago to make a payment of XXXX $ and they would not take it because they explained they could not take less than a payment and they could not take it by debit it had to be cash in the office. If this office is turning XXXX 's of dollars away from me who else are they sending money out of the door back to. My last straw was i looked over my finances and wrote out XXXX checks for XXXX $ each to post every two weeks to close out my balance and guess what i get in the mail today all the checks. I understand the rules of finance very well but where is the help. i explained to them i had a XXXX XXXX then i had to XXXX him from so the medical bills and cost of XXXX  took me so far back but its these times that consumers look for assistance not to be looked at like we are not human. I will pay my balance with the company because i owe it but they have made it very hard to do.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I currently have a Fraud Alert on my Experian credit file due to identity theft. I continue to experience identify theft events. It is time for me to extend my Fraud Alert through Experian. 

Experian 's website does not recognize my password. I try to reset my password with the Experian site claiming it will send me a reset link after I enter sensitive info to verify who I am. Never happens, tried 3 or 4 times. Also tried call me option, still nothing.

Then tried to use Experian 's contact us number for Fraud. It is an automated help system that literally refuses to let me speak to a human. The options it presents does not help me get back into my account or extend the Fraud Alert.

It is my right to extend this Fraud Alert to protect my identify but Experian does not allow me to do this. Please help facilitate a channel with Experian so I can get access to my credit account again and extend the Fraud Alert. 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 explanation
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : My account was transferred in XX/XX/XXXX, and during this time, payments may not have been properly accounted for due to delays in processing the transfer. This should not have resulted in late payments being recorded. 
Payment Processing Delays : Any delays in payment during this time were a result of systemic issues during the account transfer, not negligence on my part. All payments had been initiated within the required time frame, as evidenced by my payment history prior to this period. 
Dispute Already Filed : I had previously raised a dispute regarding this issue, which was noted as resolved by the credit bureaus. Despite this, the incorrect information remains on my TransUnion report, further suggesting an error in the final reporting. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : My account was transferred in XX/XX/XXXX, and during this time, payments may not have been properly accounted for due to delays in processing the transfer. This should not have resulted in late payments being recorded.

Payment Processing Delays : Any delays in payment during this time were a result of systemic issues during the account transfer, not negligence on my part. All payments had been initiated within the required time frame, as evidenced by my payment history prior to this period. 
Dispute Already Filed : I had previously raised a dispute regarding this issue, which was noted as resolved by the credit bureaus. Despite this, the incorrect information remains on my TransUnion report, further suggesting an error in the final reporting. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon checking my credit report, I have discovered a few fraudulent hard inquiries, these hard inquiries are XXXX XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX, these inquiries are fraudulent and I request them to be deleted from my credit report, as soon as possible.

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 2024-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I never signed a lease agreement with TradeWorld System INC/XXXX. They paid my debt off with an apartment that I had when I lived in GA. Now they are saying I own them money. They are a third party. I sent them a letter on XX/XX/year>. To there XXXX XXXX and I'm waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: NJ

Complaint narrative:
*NOTE to the CFPB : First of all, we want to Thank you so much! for stopping the robbery and saving us from our mortgage servicer in 2018 during an attempt to railroad us into a foreclosure for absolutely no legitimate reason whatsoever. 

But since we found you towards the end of that ordeal, we didn't get a chance, but we need to provide details about how it all began, and we will do that within this complaint because it is also related. 

But this complaint is being made because, even though we have been waiting for quite awhile, US BANK has not returned the money that was taken from us during all the chaos and illegal activity.

We also want to stress to the US Bank Customer AdvocacyPlease DO NOT send us any more un-signed letters in the mail. 

Or statements about an investigation that the nameless person never does ; and they never contact us for more information as they claim in the letter, that they will do. 

Right now, WE WANT OUR MONEY BACK. 
But if you must write, the letter must be SERIOUS and SIGNED by a real person with a CONTACT NUMBER, which is REQUIRED anyway, if you are truly providing CUSTOMER SERVICE. The person must also be in a position to help us to solve our issues and recover our money, because we have been mistreated for far too long. 


But since we need answers to some serious questions, we will also report the incidents to additional regulation and investigation agencies. We may even write XXXX, XXXX, and others because we are distraught, and just can not understand how banks are robbing customers of their hard earned money, and simply getting away with it. 

Please see the uploaded Compliant and the Evidence. 

Thank You XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MS

Complaint narrative:
I XXXX XXXX GOT A VEHICLE FROM WESTLAKE FINANCIAL SOMETIME LAST YEAR AROUND THIS TIME AND I USED THE NEGOTIABLE INSTRUMENT TO PAY THE CAR NOTE THE NOTE CREDIT AGREEMENT, BILLS OF EXCHANGE AND CHECKS ARE DEFINED AS LEGAL TENDER, OR MONEY BY THE STATUTES SUCH AS 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ) ( 12 ) B 49, 64. I HAVE BEEN SENDING VALIDATION LETTERS TO CONFIRM THAT I OWE THIS DEBT AND WHO WAS I PAYING IT TOO THEY CAME AND TOWED MY VEHICLE ITS BEEN ABOUT 4 WEEKS NOW SINCE THEY HAD AND THEY STILL HOUNDING ME FOR PAYMENTS VIA EMAIL AND SOMETIMES THEY WILL CALL AND HANG UP JUST TO GET ME TO CALL THEM ABOUT SOMETHING THEY ALREDY HAVE THEY CASHED MY LEGAL TENDER SO THERE FOR I OWE ANY DEBT WITH THEM AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Captial One has succesfully verified my identity and refusing to close my account to give my remaining funds. I have called and spoken to multiple customer service reps and no one can confirm the letter i was sent from the company about my complaint. I have submitted my ID over 20 times and even went in person to a capital one cafe and they asked if i had my passport when i already came in two IDS. My state ID and social security card with multiple cards with my name on them.

Company response to consumer: Closed with explanation