vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri 's identity theft and fraud protection laws.

It has come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri state law, specifically the Missouri Merchandising Practices Act ( RSMo Section 407.020 ), protects consumers from deceptive business practices, including unauthorized reporting and identity theft. Missouris identity theft laws also emphasize the severe penalties associated with the unauthorized access and misuse of personal information ( RSMo Sections 570.223 and 570.224 ).

I assert with certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights under both federal and Missouri law, resulting in potential damage to my creditworthiness and an undeniable disregard for legal requirements.

I demand that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri law. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under both federal law and Missouri 's identity theft statutes.

This is not a discretionary matter, but a legal obligation under these specific sections of the FCRA and Missouri law. I expect CREDITACPT to promptly rectify these violations and respect my rights under both federal and state regulations.

Done in good faith

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 2024-09-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the night of XX/XX/year> to XX/XX/year>, as I was on vacation in XXXX, my phone got stolen. When I recovered access to my accounts ( purchased another phone and had XXXX activate my number on the new device ), I noticed multiple Wells Fargo unauthorized transactions that were completed using my digital wallet. I also filed a claim with Wells Fargo ( claim # XXXX ). On XX/XX/year>, I received a letter advising me that the charges were authorized and my claim was denied. I then called Wells Fargo to try to understand the reason, and was told IP addresses were consistent, which makes no sense since I was in XXXX. Now, my phone was stolen, so the transactions were made using my phone, but they were unauthorized nonetheless.

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 2024-09-24 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was a victim of the XXXX data breach that happened some time ago. I noticed some irregularities on my credit report recently. One of the irregularities that I noticed was that there was a hard inquiry on my credit report from a company called XXXX XXXX .Now this information is false as I never applied for any loan or credit products from this company. I have therefore filed an identity theft affidavit with the Federal Trade Commission. I have attached a copy of the identity theft affidavit with this submission.

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 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Transunion, regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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 2024-09-24 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:
Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX 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 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 XXXXXXXX These accounts have resulted in a fraudulent accounts appearing on my consumer report. I have listed these fraudulent account that is on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer report that is being maintained by you was not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account is the result of identity theft and fraud.

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 2024-09-24 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

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 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
I was sued for this debt It was not owed but they called my daughter and threatened her she got scared and made a payment it XXXX the payment on a debt become current again Then the lawyer sued me The courts entered a judgment against me My pay was garnished after all was said and done, they took the last payment and gave me a release XXXX and behold they are at it again I did not contact them because I'm afraid. I am elderly and hoping to retire without them garnishment again. The court doesn't care I did not owe this money in XXXX  They have hounded me for a debt that is over a decade and I paid Once years ago they called and I made arrangements to pay if off for {$800.00} then again in XXXX, when they hired a lawyer and garnished my wages for a debt I did not owe and now they are at it again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Face servicing is in charge of my Mortgage Debt and I was sent lost mitigation papers which I submitted mid month of XXXX last month I sent them in and then they requested from me via phone call to supply some more information on certain pages of the loss mitigation document I did that and sent it last week and I was given until the XXXX of this month XXXX to return that information to them to include in my loss mitigation documentation. Instead Fay Servicing I found out through a realtor who contacted me to do a short sale informing me for the first time hearing it that my house was to be auctioned off for sale XX/XX/XXXX at XXXXXXXX XXXX. at the XXXX XXXX Courthouse steps in XXXXXXXX XXXX XXXX. Faith servicing submitted that filing last week Wednesday the XXXX! They had given me till the XXXX to give them that additional info in paperwork which I sent last week! They never let me know my house was up for auction sale. I found out from a realtor who emailed me to do a short sale telling me that I was going to auction in the email I had no idea as far as I knew I had sent in the documents to have my l o s s mitigation work for me because I not only have funds coming to me that will pay for it but as XXXX as I am I'm starting a job tomorrow to start giving them funds in case my settlement funds don't come in in time so they lied to me and pulled a fast one again I received no notice that I was headed for auction I thought my loss mitigation would be accepted. Again to reiterate, I received no information about an auction sale. I found out through a realtor that must have searched my information and contacted me to do a short sale this is how I found out that my home that I live in as a XXXX American is up for auction with no chance of changing this no choice no loss mitigation response no chance to make amends as I'm just starting a job as XXXX person with health issues. I started a job to save my home so that I'm not homeless and to save my animals because they will have to be XXXX if I live in my car! And they have put me in this situation by lying to me that they would consider my loss mitigation this is fraud and fraud viciates everything! F a y servicing never gave me a chance to negotiate anything! How is this happening how is this legal? And we already know many of us do, the mortgage industry is based on fraud! They never lend us anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : 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

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 2024-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
WAS TOLD PAYMENT FOR XX/XX/XXXX WAS MISSED ON THE DAY ( XX/XX/XXXX XXXX ) I PAID {$1300.00}. BANK SAYS I NEED TO PAY {$1700.00} FOR XX/XX/XXXX. I REMINDED THE BANK OF MY OVERAGE IN ESCROW AND REQUESTED THE ALLEGED SHORTAGE BE DEDUCTED FROM IT. BANK REFUSED, I DEMANDED MY ESCROW OVERAGE BE RETURNED IMMEDIATELY AND THEY AGAIN REFUSED A 2ND TIME STATING THEY CANT BECAUSE MY PARTIAL PAYMENT WAS NOT ACCEPTABLE. 

BANK MAILED LETTER STATING MY PAYMENT WOULD BE {$1300.00} BEGINNING XX/XX/XXXX. ALLEGED MISSED PAYMENT WAS NOT {$1700.00} BACK IN XX/XX/XXXX. I BELIEVE THE BANK MISAPPROPRIATED MY XX/XX/XXXX PAYMENT FOR SOMETHING OTHER THAN MORTGAGE. 

I BELIEVE THE BANK IS ATTEMPTING TO STEAL MY HOME DEMANDING ME TO PAY {$1700.00} FOR XX/XX/XXXX WHEN THE PAYMENT WAS ONLY {$1000.00}.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is reporting inaccurate information and refusing to delete the disputed information. I have done four disputes and the reporting agency refuses to delete the inaccurate information. I have also filed a report with the Attorney General and I am requesting mediation and representation services from CFPB

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 2024-09-24 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: GA

Complaint narrative:
I am asking for your support regarding this misleading account on my credit report. I have brought this issue to your attention because it is damaging my reputation, and I require your assistance. Your failure to manage my credit report properly has severely impacted me, leading to the destruction of my reputation due to your incorrect reporting. It is crucial that you clear this misleading information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated, I am demanding the company block and remove the accounts from my consumer report not later than XXXX business days after such information that i have provided. Accounts : [ XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX. ( XX/XX/XXXX ), XXXX XXXX ( 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 2024-09-24 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: GA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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. 

This company 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 explanation