vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
Im a victim of XXXX XXXX  for the last year and have been trying to rebuild my life and my identity. While getting help from the resource center to report my identity theft, I disputed incorrect information that was being reported on my credit file and discovered that for the last XXXX my social security number has been reported incorrectly. I have been denied for credit opportunities because they could not verify my information. I was confident that I was supplying the correct information but was still denied. Also my name was also reported incorrect which also has caused potential credit opportunities for me to be denied. This is unfair practice under the laws that protect me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX Account number XXXX. is reporting to all 3 bureaus that the debt is still outstanding and this is incorrect is has been paid and this account should be deleted The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately

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 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
My information was shared with another company without my consent. 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices : Purpose The FDCPA was created to eliminate unfair, deceptive, and abusive debt collection practices. It also aims to ensure that debt collectors who don't use abusive practices aren't at a competitive disadvantage. Definitions The FDCPA defines key terms, including : Bureau : The Bureau of Consumer Financial Protection Communication : The act of conveying information about a debt to any person, directly or indirectly Consumer : A natural person who is obligated or allegedly obligated to pay a debt Creditor : A person who offers or extends credit, or to whom a debt is owed Validation of debts Section 1692g of Title 15-Commerce and Trade covers debt validation. It requires debt collectors to : Include the creditor 's name State that the debt will be considered valid if the consumer doesn't dispute it within 30 days Provide the consumer with the original creditor 's name and address if requested within 30 days Stop collecting the debt if the consumer disputes it or requests the original creditor 's name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted a {$50.00} American Express gift card. However, I have tried nearly all the major retailers and none of them accept the gift card. It is basically useless to me. I reached out to Amex and they are saying g that I can use the card anywhere, however, that is not the case. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the improper handling of my dispute with Transunion. Despite my adherence to the Fair Credit Reporting Act ( FCRA ) regulations, my dispute submitted on XX/XX/year>, has not been resolved, nor has a meaningful investigation been conducted within the legally mandated timeframe.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) and 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to conduct a proper investigation and provide a response within 30 days. Instead, I have received only a generic stall letter, with no indication of progress. This lack of action is both frustrating and unlawful. My instructions were simple and clear.

Additionally, I have reason to believe the credit reporting agency is employing automated systems to send generic responses, as detailed in the CFPB report found on the CFPB 's website. There is no legal basis for rejecting disputes generated using available technology, and this practice violates consumer rights.

Reason For Dispute : My credit report contains inaccurate personal identifiers, including names and addresses that do not match my identity. My only correct name is XXXX XXXX, and my current and accurate address is XXXX XXXX XXXX, XXXX  XXXX, XXXX, NC XXXX. Any deviation from this information should be removed immediately. I do not authorize the retention or reporting of unverified employer or phone information. Outdated or inaccurate data must also be removed. 

I request that the CFPB investigate this matter promptly and enforce the necessary corrective actions against Transunion. Furthermore, I demand a detailed response, including the following : Updates on the investigation into my dispute. 
A full description of the procedures used to verify the accuracy of the disputed information. 
Please address all future correspondence to the following : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NC XXXX This matter has caused unnecessary stress and financial harm, and I expect a resolution without further delays. Should these violations persist, I reserve the right to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-11-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
My parents opened a reverse mortgage with Finance of America Reverse LLC ( FoAR ). Their home was titled in their trust. My father died in XXXX of XXXX. My mother died on XX/XX/XXXX. I am the executor of their estate. 

Upon my XXXX XXXX XXXX, FoAR placed the reverse mortgage in default. 

Complicating the situation is the fact that repairs were necessary. A contractor was retained, the insurance company approved the repairs, and a check was sent to me along with FoAR. I signed the check and sent it to FoAR. FoAR demanded a line-by-line accounting of repairs authorized. This check was for the repairs and ancillary services provided by other providers. The insurance company has provided me with documentation supporting all of the amounts paid on their behalf of the claim. I have forwarded all these documents to FoAR via email. FoAR has not provided a payoff amount for any date, nor have they released the funds to the contractor for their work, nor have they released the remaining funds to me for the ancillary services already paid for. This check was sent to FoAR in XXXX and was cashed by them, per the insurance company. 

Subsequent to this complicating factor, I have requested a payoff amount and date with a denial to provide that payoff amount from FoAR.

I request that FoAR release the insurance company funds that FoAR has already received, to the contractor and me. I am also requesting a payoff balance in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report Validate Account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
Account that are incorrectly reported as late or delinquent such as by a collection agency or other creditor. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from 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 explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I traded in my XXXX XXXX XXXX to XXXX XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) for a new XXXX XXXX XXXX. XXXX took possession of the XXXX XXXX on that day but has yet to pay off the loan. Since that time, I've already made my payment on the XXXX XXXX but am still making payments and accruing interest on the loan for the XXXX XXXX I traded in to prevent negative reporting on my credit report. I have emailed and called XXXX multiple times to resolve the issue but to no avail. Please assist however you are able. 

Note XXXX : the XXXX XXXX  I purchased now has XXXX miles and is already in the shop for a cascade of electrical issues. I'm currently in a loaner vehicle I don't want paying XXXX car payments for vehicles I don't have possession of. 

Note XXXX : I believe XXXX XXXX is also inflating the cost of repairs for the purpose of pushing customers into the showroom to trade-in vehicles. I do not believe the repairs being recommended are reasonable needed or honestly recommended. As a result, I suspect XXXX of making fraudulent repair assessments for the purpose of pushing people to purchase new vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
My name is incorrect repeatedly, as well as the address of the apartment where I live, thus affecting a real report on my 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 2024-11-29 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: PA

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


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 2024-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: KY

Complaint narrative:
Subject : Formal Complaint Against RentDebt Automated Collections and XXXX XXXX  Dear CFPB, I am writing to file a formal complaint regarding the conduct of XXXX XXXX and their management at XXXX XXXX XXXX XXXX XXXXXXXX, as well as the subsequent debt collection practices of RentDebt Automated Collections ( XXXX XXXX XXXX, XXXX, TN XXXX ). 

Details of the Complaint : Property manager : XXXX XXXX ( XXXX XXXX ) Location : XXXX XXXX  at XXXX XXXX Debt collector : RentDebt Automated Collections Nature of complaint : Improper handling of COVID rent assistance, unfair eviction, and unwarranted debt collection Description of the Problem : I rented an apartment at XXXX XXXX XXXX XXXXXXXX XXXX for XXXX years with no issues under the prior management. However, after the arrival of a new manager, XXXX XXXX, the situation deteriorated significantly. I faced multiple instances of my vehicles being towed, unreasonable fines, and eventually, actions that forced my familyincluding my handicapped wifeto vacate our home during the COVID-19 pandemic. 

During this period, I was granted COVID-19 rent relief assistance after losing my business due to the pandemic lockdowns. XXXX XXXX initially complied with the required paperwork for the rent subsidy funds but did so reluctantly. While she signed twice to release funds, on the third occasion, she refused to cooperate, claiming I was abusing the system. This was despite the fact that I was legally entitled to this assistance and had provided all required documentation to demonstrate my eligibility. 

Her refusal to sign the required documents resulted in me being unable to pay rent, ultimately leading to my forced eviction. I believe this refusal was either a personal vendetta against me and my wife, or it was influenced by corporate policies that prioritized profit over tenant welfare, as late fees had to be waived under the relief program. 

Adding to this hardship, I am now being pursued by RentDebt Automated Collections for an alleged lease-breaking fee. This debt would not exist had XXXX XXXX properly cooperated with the COVID-19 rent assistance program as required. 

Impact on Me : These actions rendered my family homeless during an already devastating time, causing immense financial, emotional, and physical hardship. I have since rebuilt my life, only to be unfairly targeted by RentDebt for a debt that could have been avoided if XXXX XXXX had fulfilled their obligations. 

Steps Taken : I attempted to resolve this matter directly with XXXX XXXX during the COVID relief period, but XXXX XXXX refused to cooperate. 
I have contacted RentDebt Automated Collections to dispute the debt, but my efforts have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 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: GA

Complaint narrative:
I submitted a dispute on XX/XX/year> to all XXXX  credit bureaus, they have just now responded today XX/XX/year> that the documents that I sent in were not acceptable. They keep doing this to me every time I submit a dispute. I submit my driver 's license, my social security card, and a bill. What more identification do they need when I am only disputing information that they have inaccurate on my report? I am going to attach the same letter with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
I submitted a dispute on XX/XX/year> to all XXXX  credit bureaus, they have just now responded today XX/XX/year> that the documents that I sent in were not acceptable. They keep doing this to me every time I submit a dispute. I submit my driver 's license, my social security card, and a bill. What more identification do they need when I am only disputing information that they have inaccurate on my report? I am going to attach the same letter with no changes.

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