vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts per UCC Article 9 and FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the following accounts on my credit report, which I believe to be fraudulent and not authorized by me. In accordance with the Uniform Commercial Code ( UCC ) Article 9, I am invoking my right to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ) and further supporting this claim with my FTC Identity Theft Report, which I have enclosed. 

The accounts in question are : XXXX. XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Account # ending in XXXX XXXX : {$520.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX XXXX. XXXX Start Account # ending in XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Per UCC Article 9, section 9-625, a secured party must correct erroneous information on a debtors record. I demand immediate removal of these fraudulent accounts from my credit report as they violate my rights under UCC 9-625 and FCRA section 609. 

I have already filed a report with the FTC ( Report ID : [ XXXX ) and local law enforcement regarding the identity theft associated with these accounts. Please note that the presence of these fraudulent accounts is severely impacting my credit score and financial standing. I request these be investigated promptly and the results sent to me within the required 4 business days window. 

Please update my credit report to reflect the correct information and confirm the removal of these fraudulent accounts in writing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/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 2024-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX Originally, our mortgage was with XXXX. The city assessed the property value too high for XXXX. We appealed the assessment and informed the mortgage company, but they refused to adjust the payment amount without a new tax invoice, and they paid the overvalued tax amount. 

XX/XX/XXXX The mortgage was sold to Carrington. 

XX/XX/XXXX We sold the house. 

XX/XX/XXXX The city adjusted the value for XXXX and informed us we would be receiving a property tax refund. The refund would be paid to the company that made the payment. I contacted both XXXX ( who originally made the payment ) and Carrington ( who serviced the mortgage at the time of the sale ). However, XXXX told me that Carrington would send me the check, and Carrington said the opposite. I can no longer log into the XXXX account since the mortgage was sold, and the Carrington account doesn't have any information regarding an overpaid escrow either. 

XXXX I escalated the issue via email, but XXXX continues to tell me I will receive the check from Carrington instead of sending it directly. Carrington has not responded to any emails. 

XX/XX/XXXX I have now received a check from Carrington for {$54.00}, which does not reflect the correct refund amount. XXXX claims they sent a check for {$1200.00} to Carrington to forward to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I have been receiving multiple calls per day from this company who incorrectly lists the account as an open account where they are the original creditor this is false and violates the fair credit reporting act. They said in my original complaint that they would provide written information which they have not. Furthermore they continue to harass me multiple times a day using multiple numbers on an autodialer after they claimed to have removed me from the call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
XXXX Paid debit debt collection company in XXXX XXXX XXXX  has refused to take this off of my credit report, even saying they can not discuss my own account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
XXXX Paid debit debt collection company in XXXX XXXX XXXX has refused to take this off of my credit report, even saying they can not discuss my own account with 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
Early to mid XXXX, I received a procedure that was substandard and despite several attempts to get this repaired, the company was not able to. 

At this point in XXXX, we were going back and forth regarding a full refund to the account which the merchant did not approve. 

After several attempts, in XXXX they authorized a full refund and a deletion on my credit report. 

In XX/XX/year>, XXXX and XXXX properly deleted my account but XXXX has yet to do so which is causing dilemmas with my ability to receive a loan. 

The merchant is XXXX XXXX and Cherry Technologies is the financing company for the merchant. Cherry technologies is whom is reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I had XXXX XXXX XXXX XXXX from XXXX. Recently when I purchased a home I found that I had numerous credit penalties from XXXX XXXX throughout the years.

All of my student loans were paid off in XXXX but my credit is still showing the claims of my student loans. 

I tried to log in into my old Navient account and my account doesnt even appear anymore. I do have emails confirming I paid off my loans and can dig up email and tax information. 

I would like to see if I am eligible to participate in the Navient lawsuit, but I can not even log in to the Navient website because it looks like they cleared my information. 

Can someone please point me in the right direction?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
My account with Equifax 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 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.

Equifax 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Barclays XXXX XXXX card has been a total nightmare. 
They put fraud on my card of over {$10000.00} and never fixed it. 
They tell me the fraud is my fault, when the card was stolen and I did nothing wrong. 
NOW, since we were victims of Hurricane Helena, we have been without a home for XXXX XXXX and all I have asked for is my password to be reset because mine is not working. 
I have been calling them spending hours of my work day on the phone with their highly uneducated staff which NEVER resets my password and won't let me log in. 

I have begged XXXX XXXX in their fraud dept as she was handling the claim, but she has done nothing to help my family and now they are attacking my credit, when all I have done is paying {$7000.00} towards the debt that is not mine. Barclays marked me down for a late payment when I paid the month earlier. They have been nothing but evil and now they will not let me log in SO THE INTEREST is piling up! Please give me a list of lawyers who can help me fight this company.

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 2024-10-14 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: GA

Complaint narrative:
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 XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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.

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 explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: CT

Complaint narrative:
On XX/XX/year> around XXXX I received a text claiming to be from " XXXX XXXX XXXX a " XXXX XXXX I, XXXX '' account that I do not recognize. This text can be seen in the attached. It was vague and provided a phone number and a link XXXX. I am suspicious of this correspondence for the following reasons : 1. I have no known overdue debts and my credit report reflects the same. 2. The usage of acronyms instead of properly spelling out the company name for easy dispute 3. I have not received a mailed letter providing proof of a debt as required per the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
euifax and XXXX have-not allowed me to check my credit report. XXXX specifically will not allow me to check my report without payment. Equifax does not allow me to enter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: DE

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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: TX

Complaint narrative:
I have a collection from Plaza Services on my credit report. I do not know what this debt is. I have never been contacted by Plaza Services. They did not have my written consent. I never received a copy of the original contract with my signature, I never received a copy of the payment history, nor did i receive the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX 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 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.

TRANSUNION 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

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 2024-10-14 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: CA

Complaint narrative:
XXXX has failed to provide written proof that I was the one who opened these accounts below ; XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXXXXXX XXXX XXXX XXXX I continue to hear the same response - According to our research, these accounts are valid. That tells me nothing - where is the written proof I requested? Anyone can call and report something- where is your proof, my signature? They have failed to submit this to 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 non-monetary relief
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
XXXX has failed to provide written proof that I was the one who opened these accounts below ; XXXX XXXX XXXX - # XXXX XXXX XXXXXXXX XXXX - # XXXX XXXXXXXX XXXX XXXX XXXX I continue to hear the same response - According to our research, these accounts are valid. That tells me nothing - where is the written proof I requested? Anyone can call and report something- where is your proof, my signature? They have failed to submit this to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: DriveTime
State: FL

Complaint narrative:
Date Of Transaction : XX/XX/year> The Amount Of Money I Paid The Business : {$6500.00} Down Payment, {$24000.00} For The Car What The Business Committed To Provide You : The Sales Agent Told Me The Car Was {$13000.00} What The Nature Of The Dispute : He Lied And Forged Random Stuff On My Contract I told Him I Can Only Afford A XXXX and under car. That Is The ONLY Reason i bought the car. Because it was affordable. And I Just Turned XXXX. The Only Reason I'm mentioning something this late is because i just got To Look At The Falsified contract they sent me via email a couple months ago because i was wondering why am i still paying on this XXXX. It makes my blood boil because nobody is trying to believe me or hear me because its a big company. these ppl real deal make you sign a paper version and forge your info into a virtual document so that way Lawyers cant do to much because they are a fraudulent company. Yall know what yall do to people, i wont stand for it. Just look aXXXX XXXX XXXXXXXX XXXX. they did me wrong, signing me up as a minor without my parents present and manipulated me. I'm not trying to threaten no one, but the right amount of word of mouth and the amount of people I'm going to petition to come together and i pledge to continue until the business is gone just like XXXX XXXXXXXX XXXX, I'm done playing with people. IM TIRED OF NOT BEING HEARD OR COMPENSATED. 


Whether Or Not The Business Has Tried To Resolve The Problem : No They Keep Brushing me off until i be the one to make them file XXXX. I'm trying to be nice, XXXX XXXXXXXX XXXX didn't listen, now look at them. this the second time i made a complaint. if this one get bushed off, I'm going full throttle. 

If Issue Involves Advertising, When And Where The Ad Was Seen Or Heard : yes they state the price of the car but that isn't the actual price

Company response to consumer: Closed with explanation