vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 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: Security Credit Services, LLC
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX XXXX XXXX XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. 

List of Negative Accounts/ Inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Credit Servic 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you can see 15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Three Bureau Credit Report Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ***SECURITY FREEZE : THE FOLLOWING CREDIT BUREAUS REPORT THAT YOU HAVE PLACED A SECURITY FREEZE OR LOCK ON THIS FILE. HOWEVER, THE FILE HAS BEEN DELIVERED TO YOU UNDER THE APPLICABLE EXEMPTION PROVISIONS ( PROVIDING A CONSUMER WITH A COPY OF HIS OR HER CREDIT REPORT UPON THE CONSUMER 'S REQUEST ) : XXXX Customer Statement XXXX : THE INFORMATION WITHIN MY CREDIT REPORT HAS NOT BEEN VERIFIED OR HAS NOT BEEN PERMITTED OR VERIFIED B Y ME, NOR HAVE A SIGNATURE TO BE PLACED ON YOUR CREDIT PLATFORM. PLEASE REMOVE FROM MY CREDIT REPORT WITHIN 30 CALENDAR DAYS. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR S SN. VERIFY ALL IDENTIFYING INFORMATION. 
XXXX : - XXXX : I DID NOT AUTHORIZE THIS INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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:
I was in the process of a loan modification and required to make 3 trial payments, which I made as directed.

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit.

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
I was in the process of a loan modification and required to make 3 trial payments, which I made as directed. 

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit. 

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.

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 2023-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Authorized representatives : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Online Information Services Inc., are demanding {$340.00} Upon checking my credit report an unknown authorized representative of Online Information Services Inc., flagged my credit files with unverified collection activity on XX/XX/2023. 

The authorized representative of Online Information Services Inc., did not honorably submit their demand for funds/tender via the US Postal service to allow a proper dispute via their claim of {$340.00} I did not authorize Online Collections Service Inc. , a permissible purpose to access my social security number to damage my credit files.

Online Information Services Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received goods or services from Online Information Services Inc.

I am formerly requesting XXXX XXXX to provide contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to an authorized representative of Online Information Service releasing my private information.

The authorized representative of Online Information Services Inc., are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to Online Information Services Inc.. , on behalf of XXXX XXXX at the expense of my private information being on display to whomever.

I am not a party to any agreements Online Information Services Inc., may or may not have with XXXX XXXX I am not responsible for Online Information Services Inc., purchase / transfer from XXXX XXXX. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Online Information Services Inc.

Online Information Services Inc., does not have permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety.

Online Information Services Inc.s reply outside of the CFPBs portal, must be delivered via the US postal service . If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not received any verification of debt ( XXXX XXXX XXXX XXXX XXXX XXXX violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: IL

Complaint narrative:
I have not received any verification of debt ( XXXX XXXX XXXX XXXX XXXX XXXX violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a credit card with bread Financial / XXXX XXXX. It was another credit card that was bought out by this company. I did not want it so I closed it and I paid off the statement balance. Then I get a bill saying I owed them {$4.00}. Called them to complain. Said they couldn't get rid of the interest fee. So I mailed a check as I had already closed the online banking and I did not want to pay their {$9.00} fee to make a payment over the phone. Apparently, they claim not to have received my check. I received another statement. So I called to complain and said I pay it on the phone if they waive the {$9.00} fee and while the statement said {$11.00}, the representative tells me I owe {$13.00} and change. Some nonsense about interest and blah blah blah blah blah. I was told I would not be charged more interest when I made the first phone call about the {$4.00}. She argued with me and told me this is what it is. I paid the {$13.00} and change and said now what are you going to do when you get my check in the mail. Oh well we'll apply it to your account and then we'll have to refund it to you. This is a load of nonsense. Just another way for a large company to bilk the consumer. I would never open an XXXX XXXX Account ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: CO

Complaint narrative:
On XXXX XXXX I noticed unauthorized transactions via multiple atm machines. I called my bank, Wisely, disputing the charges. They first accused me of lying then offered to start an investigation. They claimed they could not reimburse my funds and Ill have to wait 90 days for the investigation before I could see any money. They are FDIC insured, according to my local PD, I should have been given my money back. Every time I call for a status update, I get told to be patient and theyre no updates to disclose. It took my local PD less than 2 days to start and finish their investigation, concluding its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank Home Mortgage stated that the payment in XXXX of XXXX  was not supposed to be counted as a late payment due to COVID-19. Furthermore, in compliance with the Fair Credit Reporting Act, this creditor has infringed upon my rights as outlined in 15 USC 1681 section 602, emphasizing my right to privacy. Additionally, according to 15 USC 1681 ( section 604a, section 2 ), it specifies that a consumer reporting agency can not provide an account without my written instructions.

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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/, Transunion has reported to XXXX XXXX that I had recently closed a checking and/or saving account. 

This is false. I have not recently closed a checking and/or business account. 

There is a XXXX XXXX XXXX checking and savings account that was fradulently opened. I have disputed this with XXXX  XXXX XXXX XXXX has no proof that it was me personally who opened this account. Transunion should remove and not report false information.

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 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
RE : Method of Verification document This is response to Transunion '' s failed communication of a copy of verification which I enclosed on XX/XX/2023. I have sent Transunion a letter requesting validation on above accounts. Under the FDCPA, Transunion are required to response to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and Transunion has not yet sent me any documentation of the validity of debts and reinvestigation process procedures. Under both State and Federal consumer law, I have the absolute right to get a debt validated. Transunion is obligated to respond within the statutory time limit Transunion 's failure to respond to my request for validation, is a violation under the FCRA Laws and may result in an investigation by the Federal Trade Commission. Any attempt to collect a debt without properly validation is a violation of the FDCPA and State consumer protection law. Should Transunion continue to attempt to collect these debts without validation, I will sue them in small claims court and subject Transunion to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I want to remind Transunion that they are legally obligated not to report a debt that has not been properly validated. I am sure Transunion wish to resolve this matter as quickly as possible and avoid any unnecessary complications. Should Transunion fail to respond to this letter within 15 days, I will not hesitate to report these violations to the Federal Authorities, my States Attorney General and the Federal Trade Commission Regards, 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 2023-11-26 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted TransUnion, XXXX, or XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. The Names listed below are inaccurate and addresses reported. 

My Complaint is with XXXX, TransUnion and XXXX XXXX XXXX XXXX reporting inaccurate information on my credit report. I have filed complaints with Idenity Theft.gov, I have filed complaints with the XXXX, Each credit Bureau and nothing resolved regarding the negative items reported, no names of the individuals who conducted investigations into items placed on my credit report without my written consent or signature.

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 2023-11-26 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX, Equifax, or XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. The Names listed below are inaccurate and addresses reported. 

My Complaint is with XXXX, XXXX and Equifax XXXX XXXX XXXX reporting inaccurate information on my credit report. I have filed complaints with Idenity Theft.gov, I have filed complaints with the XXXX, Each credit Bureau and nothing resolved regarding the negative items reported, no names of the individuals who conducted investigations into items placed on my credit report without my written consent or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. 

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative. 

XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself oXXXX XXXX XXXX XXXX XXXXXXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.

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 2023-11-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
This company have an account as written off and I have not received an document to how they went labeling my account as charged and written off. I have requested several time that I could like to received any form that is required of them to send to me concerning the written off status on my credit report. I have requested a 1099c showing that account have been written off and report to the IRS as added income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THERE ARE BANKRUPTCY ACCOUNTS ON MY XXXX, XXXX AND TRANSUNION CREDIT RERPORT. THE SOURCE SAYS THAT THIS INFORMATION WAS OBTAINED FROM THE CLERK OF COURTS OFFICE. 
THAT IS NOT TRUE IM THAT THE CLERK OF COURTS DOES NOT PROVIDE INFORMATION TO ANYONE. 
THIS IS MISLEADING AND MISGUIDING AND INACCURATE INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT RERPORTS ASAP. 

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE ARE BANKRUPTCY ACCOUNTS ON MY XXXX, EQUIFAX AND XXXX CREDIT RERPORT. THE SOURCE SAYS THAT THIS INFORMATION WAS OBTAINED FROM THE CLERK OF COURTS OFFICE. 
THAT IS NOT TRUE IM THAT THE CLERK OF COURTS DOES NOT PROVIDE INFORMATION TO ANYONE. 
THIS IS MISLEADING AND MISGUIDING AND INACCURATE INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT RERPORTS ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation