vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXXXXXX took money from my now-closed checking account for XXXX XXXX XXXX The money {$6800.00} was taken from my account, but did not pay the bill. In XXXX, the bank returned the money to me on debit card which I misunderstood as did a bank representative who told me, " you don't owe us any money, destroy the card ... '' So, I destroyed the card with the money on it. 
Now, the bank pretends that particular card was one I used and did not make monthly payments on ... and have put damaging reports on my credit. And, they were dunning me for charges I did not make on a card with the same number as the one with the credit balance on it until I called the supposed payees : XXXX, XXXX and XXXX... XXXX responded with a message that I'm not their customer, XXXX had nothing for the amount shown for 40 years and XXXX XXXX maybe XXXX XXXX at XXXX called to say he searched for hours and I've never charged their service with payments using XXXX  XXXX XXXX anything and he'd be happy to tell anyone who asks, but no one contacted him. I consider the bank 's damaging response fraudulent, XXXX  and they now owe me the {$6800.00} plus XXXX years of interest. The bank also extorted {$560.00} from me claiming I owed them {$350.00} plus interest on an account that had been closed for years. 
Now, the excuse is that I didn't show my driver 's license when I closed the accounts. In fact, I've sent certified mail more than once to their area president. This bank is like XXXX. All accounts were closed with them in XXXX. The bank also sent a statement that a check number XXXX was sent, but no check, just the statement pretending one was sent. The bank, of course, is unable to produce a cancelled check. My bank is 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 2024-12-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$4700.00} UNKNOWN 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$4700.00} UNKNOWN 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$4500.00} XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : The Accounts and account numbers : XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX These items are harming my credit severely which they should be removed due to the verification process taking longer than it is supposed to. These accounts how inaccurate information, that I should not be responsible for. It is affecting my life tremendously. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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 XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update 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 2024-12-24 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:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update 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 explanation
Consumer complaint received 2024-12-24 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: TN

Complaint narrative:
I am writing to formally request the removal ( blocking ) of fraudulent information from my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts or information on my credit report are not mine and were opened or reported fraudulently : XXXX XXXX XXXXccount number XXXX : [ fraudulent amount {$10000.00} ) ] Date of Activity : [ XXXX ] XXXX XXXX XXXXAccount number XXXX : [ fraudulent amount {$20000.00} ] Date of Activity : [ XXXX ] XXXX XXXXAccount number XXXX : [ fraudulent amount {$20000.00} ] Date of Activity : [ XXXX ] XXXX XXXX number XXXX : [ XXXX XXXX {$21000.00} ] Date of Activity : [ XXXX ] As required under Section XXXX of the FCRA, you are obligated to block this fraudulent information from my credit report within XXXX business days of receiving this request and supporting documentation. Please also notify the furnishers of the fraudulent information so they can take appropriate action. 

I further request that you send me written confirmation once the information has been blocked from my credit report. If you require additional information, please contact me at [ XXXX or XXXX ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
We are writing to address a situation regarding our recent loan transfer to Faye Servicing. We received the initial transfer notice on XX/XX/XXXX and immediately attempted to set up an account online to make a payment. However, the system did not allow us to register at that time. As I was not an authorized user on the account, the main account holder was unable to troubleshoot the issue with Faye promptly.

Subsequently, we received another notice regarding the XXXX and XXXX payments. In response, we sent a check via certified mail covering both payments. Unfortunately, Faye Servicing refused to accept the payments unless an additional daily default charge of {$110.00} was included.

We are concerned that these default payments are being applied unfairly. It is our understanding that late fees should not be charged during the loan transition period. Referring to these charges as default payments appears to be a workaround that circumvents the protections typically afforded to borrowers during loan servicing transitions.

This situation raises concerns about predatory lending practices, as it seems efforts are being made to complicate the payment process unnecessarily. We are committed to resolving this matter in good faith and ensuring compliance with applicable regulations governing loan servicing transfers.

Please advise on how we can move forward to resolve this issue and ensure all payments are properly credited without unfair penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I received an offer letter from Milestone/Concora XXXX XX/XX/year> offering a settlement of {$180.00}. XXXX attached. 

The offer was accepted and paid XX/XX/year> on a recorded line where I was assured I would receive a settlement letter in the mail. Confirmation number provided was XXXX. 

Please see attached screenshot from my bank statement the day my payment cleared XX/XX/year> in the exact offer amount of {$180.00} Please see attached screenshots of my call history with Milestone/Concora where I called requesting my settlement letter as I was assured it would be in the mail and instead I received more statements and now a collection notice. 

In my call with Milestone/Concora at the end of XX/XX/year> I was assured I would receive a settlement letter and it would take a few weeks. After patiently waiting minths and continuing to receive statements XXXX contacted then again. 

In XX/XX/year> I was assured this issue would be addressed and my credit file would be updated accordingly as I have been getting dinged for missed payments even after the account had been settled and paid. 

At the end of XX/XX/year> I received a letter stating my account has been forwarded to a collection agency. I tried to contact Milestone/Concora again but an automated recording informed me they no longer held my accout. 

I then contacted the collection agency ny account was sold to. After speaking with the collection agency I was informed that Milestone/Concora did not close my account and instead applied my {$180.00} as a payment on my account therefore growing my balance due to them. 
Please dispute this settled debt with Milestone/Concora on my behalf as this has been settled and paid. 

I have disputed this account with the collection agency as well as on my credit report. 

I am filing this complaint with the Consumer Financial Protection Bureau in XXXX last hope that Milestone/Concora does the right thing and this account is properly closed as " Settled/Paid out '' in XX/XX/year> and that my months of " missed payments '' and additional collection account is promptly removed from my credit report. 

I do not wish to pursue further legal action but I will not continue to be lied and bullied by predatory credit card companies such as Milestone/Concora .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation