vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally address a serious issue regarding my account with XXXX XXXX XXXX I was not provided with a credit card statement for XXXX XXXX XXXX either by mail or email. I never received a phone call, voicemail, email or text message. Despite this, my account was reported to the credit bureaus as having a late payment, which has caused significant damage to my credit score. 

Upon investigation, I discovered that my account was enrolled in paperless statements without my consent. Furthermore, I did not provide an email address for such notifications, meaning I was unable to access my statements or payment reminders. In addition to the damage to my credit, I have also been charged excessive fees as a result of this situation. 

This lack of communication and unauthorized enrollment violates fair lending and billing practices. I respectfully request the following actions : 1. Immediate removal of the late payment record from my credit reports with all credit bureaus ( Equifax, XXXX, and XXXX ). 
2. Waiver of all late fees and other associated charges incurred due to this issue.

3. Confirmation that my account will revert to paper statements, as I did not authorize paperless billing. 

Please have XXXX XXXX provide a written response to this letter within 14 days, including an explanation of why this occurred and the steps your company will take to rectify this situation. 

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

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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

The account below have violated my rights : 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A seccin 2 : it also states a consumer reporting agency can not furnish a account without my written instrucciones.

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following tem of information, other than records of convictions of crimes which ante dates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( a ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasononable cause to believe that the information is in account. 
Delete the account below : 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

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> National Credit Adjustments ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX To Whom it may concern : You are listing this collection as an " open account, '' which does not comply with FCRA regulations. This is incorrect reporting and must be removed immediately. Kindly provide me with a copy of my consumer report once the collection is deleted and removed. I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : National credit Adjust {$430.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports.

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ).

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility.

If the information can not be verified, remove it from my credit report immediately.

Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution.

Provide me with a corrected and updated copy of my credit report.

Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law ( typically 30 days ).

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws.

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
It has been over 30 days since I submitted complaint # XXXX regarding a collection account reported by LVNV Funding , and I have yet to receive a response. Upon further investigation, I contacted the original creditor, XXXX XXXX, who informed me that the collection agency responsible for the account is XXXX XXXX XXXX, not LVNV Funding. This discrepancy has been reflected in updates to my credit report, which I have attached for reference.

Additionally, the balance reported by LVNV Funding does not match that of the original creditor, further demonstrating inaccuracies in the information being reported. Moreover, XXXX XXXX  is not registered to transact business in the state of Texas, as their registration has been forfeited due to inactivity. This raises serious concerns about the legality of LVNV Funding 's acquisition and reporting of this account.

Furthermore, LVNV Funding has failed to provide any documentation notifying me of the alleged debt being sold to them as required under the Fair Credit Reporting Act ( FCRA ). This lack of verification and notification constitutes a violation of my rights under the FCRA. 

I demand that all collection efforts on this account cease immediately and that the account be removed from my credit report. Please note that I am maintaining a thorough paper trail of all correspondence related to this matter. I also urge LVNV Funding to reference XXXX XXXX XXXX, XXXX, where the court held a collection agency accountable for failing to verify accurate information.

I expect LVNV Funding to take prompt action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I made a payment towards my account of XXXX dollars on Friday the XXXX, and it came out of my account on Monday the XXXX and was posted. However the credit is still not available. Capital one claim They are placing a hold on my money to make sure it comes out of the bank. When in reality it already has and theyre just using my money interest free without me receiving credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
A company check of mine was stolen from the mail. That check, which was originally written for {$900.00}, was washed except for my signature, and rewritten for {$16000.00}, and deposited electronically at XXXX XXXX XXXX XXXX in XXXX, XXXX. 

My bank is Huntington Bank, and my company is in XXXX, XXXX. When I discovered this fraud on XX/XX/year>, I immediately notified my bank by telephone as it was a XXXX. They placed a hold on my account and advised me to go to my branch to report the incident on XXXX  XX/XX/year>. 

On XX/XX/year> I made the official bank report at my branch and was advised that they would begin an investigation, and since it was so obviously a fraud, I would most likely be made whole. 
XXXX week later I received a letter stating that Huntington Bank would not reimburse me due to the fact that I supposedly declined enrollment in some or all components of Huntington Business Security. That is an absolute lie, as I was never offered any such protection, and in fact only learned of those options after I reported the fraud. I absolutely did not decline anything that may have protected my accounts.

I proceeded to my local bank branch and complained to my Branch manger who agreed to escalate my complaint in hopes of getting my funds reimbursed. That request was made as I sat in his office. It then proceeded to the local Police Department and filed a Police Report.

I still had not heard anything from anyone after several weeks and I reached out to the Relationship Manager for my area. He acknowledged that there was nothing indicating I had been offered protection, and certainly nothing showing I had declined any such protection. He advised me that he would speak to his superior and attempt to get a resolution.

1 week later, I was called by the Relationship Manager who indicated that the decision was upheld to deny reimbursing me for my lost funds. He once again acknowledged that there was nothing showing that I had refused protections on my account.

I was able to make contact with the XXXX XXXX in XXXX, and they advised me that no one from Huntington Bank had ever contacted them on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: PA

Complaint narrative:
My loan was purchased from XXXX XXXX The company that bought it ( without my consent ) is called Loancare LLC or XXXX XXXX XXXX... not sure because they use both names. I received a letter from them stating that everything including my fixed interest rate, auto pay options, and current payment schedule would remain the same. However, I started receiving conflicting information about how payments would be withdrawn from my bank account. I had everything set to pay bi-weekly... this new documentation said monthly. I have attempted to email and call the company by phone to confirm that my bi-weekly payment scheduled transferred with the loan when they bought it. Phone calls and emails are not returned. I finally did get through to someone that said I would have to make a whole month payment in advance AND go online and arrange the auto bi-weekly payments. This is wrong... why didn't everything transfer over? What else are they going to change? I want my bi-weekly payments schedule... not a monthly one!

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 2024-12-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A derogatory rating on my account has already caused tangible financial damage, including a denied loan application and increased interest rates on existing credit accounts. This negative rating has inflicted significant financial and emotional distress, threatening my economic stability and future opportunities.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

The account below have violated my rights : 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A seccin 2 : it also states a consumer reporting agency can not furnish a account without my written instrucciones.

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following tem of information, other than records of convictions of crimes which ante dates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( a ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasononable cause to believe that the information is in account. 
Delete the account below : Transunion : 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

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
Between XXXX and XXXX of this year, I was hospitalized with a severe and challenging XXXX XXXX. During my hospitalization, several fraudulent charges were made on my Apple Card account. I promptly disputed these charges. However, this dispute led to my account being locked by Apple Card and Goldman Sachs to the extent that I could not access information about the disputed transactions or any resolutions. 

While still recovering, I discovered on XX/XX/XXXX that derogatory remarks had been added to my credit report, which directly impacted my ability to secure a loan for a new car. This has been especially problematic as my current vehicle is a lemon and requires replacement. Upon further investigation, it became apparent that the derogatory remarks resulted from an unresolved fraudulent transaction dispute, which was overlooked by the dispute resolution team at Apple Card and Goldman Sachs. 

Despite the circumstances, I am now being held accountable for this oversight. I am requesting the immediate removal of the derogatory remarks from my credit report. These remarks are unjustified, caused by a lapse in the dispute resolution process, and have caused undue hardship. I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank report a loan amount charged off or written off. I would like a copy of the 1099C form for this loan.

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