vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I have reviewed my credit report and show this account was paid. Please remove it has been affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-13 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I am entitled to ensure that my private information is protected, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. 

Equifax, XXXX and XXXX are consumer reporting agencies, and the OAG CHILD SUPPORT is a financial institution as defined under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have not given my consentverbal, non-verbal, written, implied, or otherwiseto Equifax, XXXX, XXXX or the OAG CHILD SUPPORT, and I am hereby revoking any and all previous consents. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution may not disclose nonpublic personal information to an unaffiliated third party unless the consumer has been informed of their right to opt out of such disclosure. The OAG CHILD SUPPORT has never informed me of my right to exercise this nondisclosure option. 

Additionally, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse information in a report if it is more than seven years old, except in the case of criminal convictions. The account in question is an adverse item being reported without my permission, which is unlawful. Furthermore, 15 USC 1681s2 ( A ) ( 1 ) ( A ) prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Finally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. Equifax and XXXX are failing to maintain such procedures. Additionally, 12 CFR 1016.7 states that a consumer may opt out of reporting services at any time. I am hereby exercising my right to opt out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
These accounts are involved in litigation, I have not supplied proof under the doctrine oXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO '' 281 sw 715.719. I presume no knowledge of the collected debts, in fact exists 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
To Whom it may concern..

Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Acima again claims that the disputed information on these accounts : Company : Acima Digital FKA Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to Acima, the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report. 
I have paper evidence included in this letter showing that Acima ( YES ) has errors in their reports and the information is not accurate or precise Acima has violated 15 U.S.C. Sec. 1681i ( a ) of the consumer rights multiple times and is still reporting inaccurate and different information to XXXX Acima claims that the account was closed in XX/XX/XXXX and that is false information, the account was closed in XX/XX/XXXX. I present the proof of that. 

Acima not report the day of closing of the account, that information is incomplete and not verified. Also present proof of that Under the law 15 U.S. Code 1681i ( 5 ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned Acima multiple times about the accuracy of these accounts and Acima has not been able to correct the errors,,, the law 15 U.S. Code 1681i ( 5 ) stipulates that after reinvestigating an account disputed by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately. 

I demand that my written evidence in this disputed be reviewed and that Acima delete the account at XXXX and enforce the law 15 U.S. Code 1681i ( 5 ) Nota : All errors noted in the evidence are underlined in red. 

Att : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Reporting of Collection Accounts Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute several collection accounts currently reported on my credit file, which lack critical information regarding the original creditor. Additionally, the collection agencies associated with these accounts have failed to provide any contractual proof of my consent or signature, which is a legal requirement for enforcing such debts. 

Below are the collection accounts that I would like to have permanently deleted from my TransUnion Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ), I am entitled to receive full and accurate disclosure of all information pertaining to my credit report, including the identity of the original creditor for any collection accounts. The accounts in question do not comply with this requirement, as they omit the name of the original creditor, thereby making it impossible for me to validate the legitimacy of these debts. 

Furthermore, according to FCRA Section 611, credit reporting agencies are responsible for ensuring the accuracy of all reported information. Without verifiable proof of my signed agreement with the original creditor or any of the collection agencies, these accounts are unverifiable and must be removed from my credit report. The absence of such proof indicates that these debts may have been reported without proper documentation, which is a violation of my rights under the FCRA. 

I am formally requesting that you : Investigate the collection accounts in question. 
Provide the name of the original creditor and verifiable proof of my signed agreement for each account. 
Remove any unverifiable accounts from my credit report if the required information can not be provided. 
Failure to address these issues promptly and accurately may constitute a willful violation of the FCRA. Such violations can result in legal action to enforce my rights and may lead to statutory damages, legal fees, and other remedies available under the law. 

Please confirm receipt of this dispute letter and provide a written response detailing the outcome of your investigation within the legally required 30-day period. 

Thank you for your prompt attention to this serious 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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I asked the collector to provide me with the original contract or the debt assignment contract which they have continually failed to provide me to even validate this debt they either refuse or have choose not to send it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
XX/XX/year> - utilized Marcus by Goldman Sachs account to pay first month and security deposit of over {$3600.00} to rental management, this was my first transaction in the account other than funding it. There were no errors with transferring funds, the transfer cleared with Marcus and my rental agency XXXX XXXX XXXX XXXX XX/XX/year>- I attempted payment to same rental agency with second month fees using Marcus account, I received no notices flagging the transaction, no notices of transfer failing, no correspondence at all. 
XX/XX/year> - I received notice from my rental agency saying they did not receive funds for my XX/XX/year> transfer due to account frozen. 
XX/XX/year> - I called into Marcus customer services asking why account was frozen, I verified myself ID with name, DOB, SSN, and a secret passphrase. I was then escalated to the fraud department because they stated they could not verify who I am. The fraud department asked me to verify myself with PIN numbers sent to phone numbers they had in an outdated database that are not in service ( one was my mothers phone number from 10+ years ago, and the other was a number I had no idea about ). Because I could not verify using these numbers, they created a fraud case against me, and stated that they need 3-7 business days to come up with security questions to ask me so I can verify myself. They did not provide a case number, a reasoning behind the case and account freezing, and did not allow me to verify myself in other ways. They told me I had to wait, did not tell me who to contact, if I was going to be contacted, and did not send me any notice regarding the incident. 
XX/XX/year> - I called into Marcus customer service and was able to verify myself with the first support person using name, DOB, SSN, and secret passphrase. I was sent again to the fraud department where they again asked me to verify myself using the same ambiguous and non-existent phone numbers, and because I was not able to do this, they again said I had to wait. I asked to speak to a supervisor, they said they could not do that. They said to call back each of the next 3 days during business hours to reach a supervisor. 

This account is used to send rent payments. I am now nearing 3 weeks of non-payment for my rent, and am being threatened that legal action will occur if I dont pay my rent. There has been no effort on Marcuss end to resolve the case. They are stalling. I understand that Goldman Sachs is trying to get out of consumer banking, and I believe these account freezes ( which are happening across the board to thousands of accounts with Marcus ) are intentional ways for them to relieve themselves of consumer banking indirectly.

I would really appreciate if this was looked into. I am a college graduate with little savings trying to make it on my own and this experience with Marcus is impacting my life, career, and safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My Wells Fargo bank account was closed without my authorization or knowledge. I called customer service. I learned that the bank incorrectly identifies me as the beneficiary of the account, not the owner. Based on this, they said they could not discuss the reason for account 's closure with me and told me to resolve in a branch. I then requested the matter be escalated to a manager and asked the rep for her ID number to reference as all parties investigate. She repeatedly refused, providing the name XXXX. I then mentioned rights advocated by CFPB and, after putting me on hold, she then apparently received communications that led to the disclosure of an i.d . number XXXX. I once had a wells fargo mortgage. I once had a visa credit card with them. Both accounts were settled. I kept a checking and savings account open though no activity for a while. The acct was closed, as was my locked/deactivated credit card after balance pay off but I did not request " closure ''. I am however deeply concerned that after all the years I did business with Wells ... they still arbitrarily and incorrectly classified me as the beneficiary, perhaps confusing me with my late mother ( Our names are VASTLY different ) and they refused to be transparent with an ID number.

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 2024-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
The company violated the truth and lending laws for having a default clause written in two different areas of the mortgage. They have a clause they slipped in that charges 23 % interest on the unpaid principal balance per day until the loan is taken out of default status. 

I wrote in the mortgage I do not understand what I was signing and didnt understand how you needed to read one part of the document to refer to the default interest clause. Since the default interest is so high the only true way to take it out of the default is to roll the interest to the back of the loan stripping away all the equity in 1 month. 

One of Fay Servicing method to putting the loan into default status is by stop paying the insurance dwelling policy. They let the policy lapse and place force placed insurance on the property and hike the monthly payment ridiculously high to where it is unaffordable. They automatically take the premium out of the escrow account and give it to one of their affiliated insurance providers for a kickback.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Healthcare Finance Direct LLC.
State: ID

Complaint narrative:
Smile Direct club went bankrupt while in the middle of my treatment that they had previously messed up in the first place. I financed this through Health finance direct and I am still being charged for {$2600.00} Treatment plan that I will no longer get in which They had told me there was a moneyback guarantee Especially when they didnt fulfill my treatment in the first place and I was told I would get a replacement of treatment. like I said, I will no longer be able to straighten my teeth, but I am now forced to continue payment plans with threats to being sent to collection agencies and affecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

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 explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently applied to my financial institution for a loan, and was advised they were unable to obtain my credit report. They advised me to reach out to Equifax, as this is the credit reporting agency that they use. I reached out to Equifax, and they stated that I would need to mail a copy of my license, social security card, and a note to them. Ive done so, and have checked up several times. Its been 3 weeks with no resolution. They are now telling me I can continue to wait, or mail the documents again. I have NO means of transportation, and am about to begin my XXXX XXXX XXXX XXXX, but have no transportation. I think having to wait 2 months to have an error on their end is unfortunate. Also, I dont understand how Equifax doesnt have a credit file for me, because XXXX XXXX XXXX XXXX has pulled it through Equifax when I got the auto loan about a year ago. PLEASE help! Quickly if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
The late payments do not align with my consistent payment record. I request that they be removed and my account be updated 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