vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
RECENTLY I LOOKED INTO MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY XXXX ACCOUNT, SUCH AS LATE PAYMENTS THAT I WAS NEVER LATE FOR.

THE CREDIT REPORTING AGENCY HAS A RESPONSIBILITY TO REPORT THE INFORMATION ACCURATELY HOWEVER AS CAN BE SEEN IN THE SCREENSHOTS BELOW, THE BASICALLY ALL INFORMATION WAS REPORTED DIFFERENTLY TO ALL 3 CREDIT BUREAUS. I AM REQUESTING THE CREDIT BURUE TO REPORT THE PAYMENTS AS ON TIME OR REMOVE 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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against the collection agency LVNV FUNDG for their egregious violation of my consumer rights. It has come to my attention that LVNV FUNDG has placed a collection account ( Account Number : XXXX ) on my credit report without providing me with written notification of this alleged debt. 

Under 12 CFR 1006.34 ( b ) ( 5 ), I have the right to receive validation information regarding any debt that a collection agency seeks to collect from me. However, despite repeated requests, LVNV FUNDG has failed to provide me with any validation information pertaining to this account.

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). LVNV FUNDG 's actions are not only in violation of federal regulations but also disregard fundamental consumer rights.

Moreover, I strongly believe that LVNV FUNDG has engaged in false, misleading, and deceptive practices in their attempt to collect this debt. Such actions are in direct violation of consumer protection laws and regulations.

It is imperative to note that LVNV FUNDG has furnished this account to consumer reporting agencies without providing me with the necessary disclosures required by law. This blatant disregard for legal obligations is evident of their violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally requesting that LVNV FUNDG immediately remove the aforementioned account from my credit report. Furthermore, I demand that LVNV FUNDG cease all collection activities related to this debt until they have complied with all relevant laws and regulations.

If LVNV FUNDG believes that they have indeed provided me with proper notification, I kindly request that they furnish a copy of the certified receipt with my signature acknowledging receipt of such notification.

I trust that the Consumer Financial Protection Bureau will take swift and appropriate action in investigating this matter and ensuring that my consumer rights are upheld. I appreciate your attention to this urgent matter and look forward to your prompt response.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it 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 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I originally purchased the car via a loan from my local XXXX XXXX. Somehow in that process, Ally bank ended up with my car loan. I have had repeated issues with their website and billing system, but auto-pay generally worked. I have reached the end of my loan and currently owe somewhere in the neighborhood of {$23.00} ( or XXXX or XXXX cents, depending on if you believe the website, or the people in the call center. ) I went in and attempted to make a payment previously, but the website gave me a stern warning that because I was enrolled in auto-pay that I should not do this as I would be double charged, so I stopped and was going to let the auto-pay go through for the final payment. 4 days before the auto-pay would have taken the money, I got a letter from Ally stating that auto-pay wouldn't work for the remainder amount because its not a full payment and that I needed to manually pay the final amount. Ally 's XXXX system for their website doesn't appear to work either via text or the phone call option, so every time I want to log in I have to call and get my password reset - as this is the only way to bypass their non-working XXXX system. Any attempt to use their website across XXXX separate computers and XXXX different browsers all result in the same issue - a loop where the payment screen forces you to go to the payoff quote screen, which sends you back to the payment screen, which sends you back to the pay off quote screen in an infinite loop of fail, but no option to actually make a payment that the website will accept. The call center has been less than helpful, generally advising me to wait an hour and try it again- which I have done for 4 days now - but no, just be patient, this time it will really work ( n.b it didn't work. ) They also helpfully allow me the option to pay an additional {$5.00} to some third party company who would pay them the $ XXXX, but I refused this option on the principal that I shouldn't have to pay some other party {$5.00} to pay Ally the $ XXXX. Ally shouldn't be able to weaponize their technological incompetence to force additional money out of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: CA

Complaint narrative:
The servicer of my mortgage, Selene Finance, has once again, not been paying my homeowners insurance. I had to file a complaint with them last XX/XX/XXXX to get this resolved, with CFPB. 

This morning, on XX/XX/XXXX, I received an email from my insurance company, XXXX, that my policy will be canceled on XX/XX/XXXX for non payment. Today, I also called Selene 's customer support number XXXX, twice, and both times I was hung up on by the representative, after waiting on hold for 45 minutes each time. They are refusing to do anything about this, which is a violation of the the Real Estate Settlement Procedures Act. I pay every month for an escrow account, they are required to pay my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NC

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.

The following inquiries for fraudulent and have violated right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX  -Experian HAS VIOLATED MY RIGHTS 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. 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.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-15 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-15 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 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: NY

Complaint narrative:
RECENTLY I LOOKED INTO MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY XXXX ACCOUNT, SUCH AS LATE PAYMENTS THAT I WAS NEVER LATE FOR.

THE CREDIT REPORTING AGENCY HAS A RESPONSIBILITY TO REPORT THE INFORMATION ACCURATELY HOWEVER AS CAN BE SEEN IN THE SCREENSHOTS BELOW, THE BASICALLY ALL INFORMATION WAS REPORTED DIFFERENTLY TO ALL 3 CREDIT BUREAUS. I AM REQUESTING THE CREDIT BURUE TO REPORT THE PAYMENTS AS ON TIME OR REMOVE 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 2024-04-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
RECENTLY I LOOKED INTO MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY XXXX ACCOUNT, SUCH AS LATE PAYMENTS THAT I WAS NEVER LATE FOR.

THE CREDIT REPORTING AGENCY HAS A RESPONSIBILITY TO REPORT THE INFORMATION ACCURATELY HOWEVER AS CAN BE SEEN IN THE SCREENSHOTS BELOW, THE BASICALLY ALL INFORMATION WAS REPORTED DIFFERENTLY TO ALL 3 CREDIT BUREAUS. I AM REQUESTING THE CREDIT BURUE TO REPORT THE PAYMENTS AS ON TIME OR REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2024-04-15 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I had purchased adjustable base, mattress, and pillows on XX/XX/year> in the amount of {$3000.00} and I had cancelled and refused delivery ( as per Tempur-Pedics advice ) for mattress and pillows ( shipped via UPS ) and the adjustable base was never delivered via XXXX. I do not have any of their merchandise of adjustable base ( {$1300.00} ), mattress ( {$1400.00} ), nor XXXX pillows ( {$170.00} ). I have only been credited {$1100.00} ( base minus home delivery fee times sales tax or ( {$1200.00} - {$170.00} ) XXXX = {$1100.00} ). I have followed their customer service representatives advice and refused delivery, and their website says that the mattress is returnable but they have not refunded for the return of the mattress nor pillow ( both were unopened as per their advice ). 

XXXX had provideXXXX as evidence of mattress and pillows being delivered but this was from my second order placed on XX/XX/year> after I spoke with their customer service representative assuring me that my first order was cancelled. I feel that this was a deliberate strategy, and not an honest mistake, by XXXX to confuse matters with Citibank and their XXXX party investigators. At this point, Citibank has concluded that I need to pay for both mattress and pillows, even though I had cancelled my order and their products have been returned to their respective warehouses.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX XXXX, XXXX XX/XX/2024 I reported to Huntington Bank via email that there was a late payment of {$340.00} that was reported to the credit bureaus. I provided screenshots and documentation that proved it should not have occurred and additionally the system did not notify me in any manner of the event, or failure of the autopay. 
As I work with Huntington often they sent to the back of their house for review. This would have been approximately XX/XX/XXXX of 2024. I followed up on two seperate occasions as no updates where provided. I was then requested to email a copy of my credit report with the dispute to my bankers- which I did. The credit group provided me with no updates. 
I was then told to mail the dispute to the Huntington XXXX in XXXX OH, which I did on XX/XX/XXXX. I have a copy of the priority mailing ATTENTION DISPUTES XXXX XXXX XXXX XXXX, OH XXXX Package Ship Date : XX/XX/2024 From : XXXX Service Type Priority Mail It has now been over XXXX weeks since my first notice to the bank of the dispute and over XXXX weeks since I mailed the entire correspondance to their disputes department. I have received no communication. I was just about to start the process of a home refiance, this has delayed my timeline considerably and costs have continued to rise which will have a significant long term financial impact on myself and family. Their failure to respond or acknowledge has also well exceeded the FCRA timelines. 
I am hoping you can assist. I have had XXXX late payments on anything in over 4 years, this was a banking error, with significant financial impact, worsened by their failure to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Originally I tried to apply for an SBA 7a loan through Wells Fargo. I was directed to take a personal loan. Even though I met the credit score requirements and had a business account with the company I still was denied with an unclear explanation. No follow-up or reason for denial. I was told that there was no way to appeal the decision and all decisions were final. I felt that the Bank 's lending practices were racially biased because another individual with a lower credit score and similar time in business and similar business practice was approved. The only difference was that my business is a XXXX XXXX and he was not. Financially my company was strong but we didn't get an opportunity for any business loan. Wells Fargo Bank 's current business practices are very restrictive and I feel my rights were violated by redirecting my company to apply for a non-SBA product where discretion to deny applicants based on their own biased criteria. Wells Fargo doesn't offer the SBA loan online or at several local branches in neighborhoods of color. I tried to apply at several branches but was told at each branch they do not do SBA loans at the branch to try online. 

As a XXXX XXXX XXXX XXXX  obtaining financing is critical to my company 's success and to the payment of my employees on time. Wells Fargo 's engaging in these discriminatory practices not only effects on my business but also the larger community.

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 2024-04-15 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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