vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
hard inquires that I did not authorized : XXXX XXXX XXXX XXXX ) XX/XX/2022 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 explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Jefferson Capital Systems regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Jefferson Capital Systems. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Jefferson Capital Systems had the legal right to collect the debt. 

Despite my request, Jefferson Capital Systems failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, Jefferson Capital Systems did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Jefferson Capital Systems immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA FEDERAL SAVINGS BANK, has inaccurately reported a late payment on my account. Evidence is submitted below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a felony under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I entered into a flat {$110.00} payment on the due date by auto pay as is evidenced in the transaction history on the XXXX XXXX. I made a phone call on the XXXX to remove an unauthorized user from the account. I did not authorize auto pay to cease ; it was ceased without my consent. 

I subsequently called and asked that the late fees be removed due to the auto pay being ceased, and I would make the account current. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
IM VICTIM OF IDENTITY THEFT, HAVE NO KNOWLEDGE OF THIS ACCOUNT, ONEMAIN MUST HAVE A MIX FILE,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was reviewing my credit report and noticed inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to demand the immediate removal of unauthorized accounts and hard inquiries from my credit report. As a victim of identity theft and multiple data breaches, my personal information has been compromised, leading to the appearance of accounts and inquiries that I did not authorize. 

These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, they infringe upon my Constitutional right to privacy. 
I assert the following : Lack of Consent : I have not provided consent for the XXXX XXXX XXXX to report accounts related to my NAMED ESTATE. This is a violation of my Constitutional privacy rights. 
Absence of Contractual Agreement : XXXX XXXX XXXX XXXX has failed to produce any contractual agreement that binds me to the companies reporting these derogatory accounts. 
Failure to Verify : The credit reporting agency has not provided proof of verification for these debts, nor demonstrated compliance with all relevant laws and regulations in reporting them. 
Violation of XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX, particularly XXXX ( b ) and XXXX, you are required to conduct a reasonable investigation to determine whether the disputed information is inaccurate. Your failure to do so is a violation of federal law. 
Potential FDCPA Violations : If any attempts to collect on these debts have occurred, the inconsistencies and lack of verification may constitute violations of the FDCPA, specifically XXXX regarding false or misleading representations. 

I explicitly state that I am NOT demanding verification or validation, as I am not granting permission to contact any company. Per federal law, specifically 15 U.S.C. 1681i ( a ) ( XXXX ), these accounts must be removed within XXXX days of receipt of this certified notice, or the credit reporting agency will be held civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained my personal credit report and theyre items in m personal information profile that should not be reporting. I tried to submit a complaint. But, they stated that I would have to call them to resolve this matter. The major issue Im having is the ability to communicate with someone about my situation. Ive tried several numbers and all calls leads to an automated system. The system gives no prompts to speak with a customer service specialist. I need your assistance in making contact with someone to discuss my dispute. This incorrect information is harming my credit account. Experian has to do better in giving consumers the access to speak to a live representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This complaint is directed at Wells Fargo XXXX XXXX, a division of Wells Fargo. On XX/XX/XXXX, the primary beneficiary of an XXXX trust died. The trust passed to her children and should have been distributed to them but has not been. Wells Fargo was aware of the death by XX/XX/XXXX. Wells Fargo received a certified death certificate on XX/XX/XXXX. On XX/XX/XXXX, the trustee created a final tax return. On XX/XX/XXXX, the trust was split among beneficiaries. By XX/XX/XXXX, all beneficiaries submitted all the forms that Wells Fargo required to distribute the trust. On XX/XX/XXXX, the trustee, Wells Fargo, acknowledged all forms were submitted and correct, and that Wells Fargo was ready to and would act to distribute the trust to the beneficiaries. On XX/XX/XXXX, the trustee, Wells Fargo, again acknowledged that Wells Fargo was ready to and would act to distribute the trust. It is XX/XX/XXXX and I have not yet received the contents of the trust. The trustee, Wells Fargo, promised on both XX/XX/XXXX and XX/XX/XXXX that I would receive the trust within a few days. That promise was last made to me more than two weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC is threatening me saying I owe them when I never did any business with them or signed any contract with them so right now it's just pure harassment in their end please remove them from any of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I took a mortgage from Sterling National Mortgage to purchase XXXX XXXX XXXX, XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$360000.00}. I paid {$70000.00} cash to reduce the loan amount to {$290000.00}. My closing was on XX/XX/XXXX. 

I recently discovered that the previous owners debt to XXXX XXXX XXXX was left as a lien on my property from XXXX XXXX until XX/XX/XXXX. I would like an answer as to why the previous owners debt was not resolved at my closing in XXXX? Why was no mortgage satisfaction issued as per the NYS Statute? Did Sterling issue any payments toward the liens associated with XXXX XXXX? Isn't it Sterling 's responsibility to settle from the sale proceeds when they are creating a new mortgage loan to clear up any previous debts on the property before the new owner assumes it? How can a new mortgage be issued on a property when there are outstanding liens and why did the XXXX lien remain for over ten years on my property unknown to me? What would be the purpose or use of this lien place holding on my property? When I made my payments for this loan in XXXX where and who received my payments? Sterling Bank or XXXX XXXX? 

Refer to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. XXXX XXXX and XXXX XXXX both require a mortgagee to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a letter dated XX/XX/year> from XXXX, stating that my XXXX XXXX XXXX XXXXXXXX credit line had been reduced based on information it had received from Trans Union. It then listed the factors on the credit report from Trans Union. Of course, this information is false. 
I contacted XXXX to dispute the information listed in its letter was incorrect, and I requested a copy of the report it had received from TransUnion. 

Then, I contacted TransUnion. After going around in circles with them for two days, I finally got a real person to speak to. I told him the reason for my call. He verified that the only negative information on my credit file with them was a late payment reported by XXXX. Nothing else. I asked him to send a copy of the credit report it had submitted to XXXX. He said it would take approximately seven ( 7 ) business days. To date, I have not received such a report. 

These companies receive millions of dollars selling our personal information to the highest bidders. We get nothing in return. They want us to pay them to obtain our information. They need to be more responsible and held accountable for providing false information that adversely affects consumers ' financial status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. 

I have several accounts reporting on my credit report, that are a result of identity theft. I request more proof of how such accounts i've never opened, authorized, obtained or used are now resulting in a negative credit report, hence hindering my financial progress as well as applying & financing abilities. It is only fair to abide by the fair credit reporting act and thoroughly do an investigation on all accounts that are a result of identity theft. 

I have mailed dispute letters followed by an FTC report to your company In early XXXX of 2024, of all unauthorized accounts that are a result of identity theft. Bureaus are failing to properly report and investigate 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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
This fraudulent crooked company makes it almost impossible to pay your bill and will deliberately hold your payment to make it late. There customer service reps ask for social security numbers but have no access to o anything and none of there reps speak XXXX go figure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are illegally reporting late payments on my consumer report. In accordance with the Fair Credit Reporting Act, you have violated my rights. Under 15 USC 1681 section XXXX states I have the right to privacy. 15 USC 1681 section XXXX section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Please remove all late payments from my consumer report and refrain from breaking the law, in regard to this matter, in the future.

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