vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: Credit Karma, LLC
State: WA

Complaint narrative:
Today, I tried to sign up for a free Credit Karma account. I put in my email address and password, and other identifying information. I received a message that further verification is needed. I requested a call to my landline. The call never came. I requested again. The call never came. So then I requested to submit identifying documents. The site told me to go to the documents page and enter a code. I went to the documents page, but there was no place to enter the code. I received an email that told me I could enter my account, but when I tried I received error messages. I can't contact the help desk because there isn't a phone number. In order to contact the help desk, I have to be able to log into my account, which I can not do because the call never came and the documents requesting page doesn't work. I even entered my whole social security number at one point, but I received an error message again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I recently received a check from my insurance company to fix damages done to my roof. Due to the amount Freedom Mortgage name was included and I had to mail it to them. It was delivered on XXXX XX/XX/XXXX. I originally was told it would take 5-6 business days to process and endorse/mail the check back to me. 

I called on XXXX XX/XX/XXXX to get a status update and was told there was no check uploaded to their system. I provided them the tracking number and they confirmed that it was there but probably in the mail room. I was told to call back in XX/XX/XXXX hours as they would expedite my case with the manager. 

On XXXX XX/XX/XXXX I called back to get an update and was told the same thing that it still was not processed or uploaded to the system. I then asked to speak with the manager and was placed on hold for about 30 min as they tried to locate and get more information. The representative that I spoke with confirmed the total amount of the check and the insurance company it was issued from. I was placed back on hold and after some time the phone disconnected. I called back now speaking with someone different and was told they would expedite it to her supervisor for feedback and to call back in XX/XX/XXXX hrs. 

Today XXXX XX/XX/XXXX I called again and was told it STILL had NOT been processed or uploaded into the system! XXXX XXXX XXXX ( loss draft associate ) informed me after speaking with her manager ( XXXX XXXX ) that they can not find the check and it will need to be reissued. 

So now I have to restart this whole process again and hope that this time they will have better tracking systems in place. This is unacceptable and I have lost faith in this company 's ability to handle my insurance claim due to the careless misplacement of this check. This situation has caused significant inconvenience and distress. I request immediate action to locate the misplaced check and expedite the release of funds to ensure that necessary repairs can proceed without further delay.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: PA

Complaint narrative:
I AM A VICTIM OF FRAUD AND I HAVE IDENTIFIED ITEMS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DO NOT HAVE A DEBT WITH THIS COMPANY. I DID NOT AGREE OR GO INTO CONTRACT WITH THIS COMPANY AND DO NOT KNOW WHO THEY ARE OR WHAT DEBT THEY SPEAK OF

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 2024-09-26 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:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Inquiry Dear TransUnion Customer Service, I am writing to formally dispute a fraudulent inquiry listed on my TransUnion credit report. The inquiry in question was made by XXXX XXXX  on XX/XX/XXXX. I believe this inquiry is the result of identity theft and does not pertain to any account or application that I have authorized. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 6 ), inquiries resulting from fraud must be removed from credit reports. This section mandates that if the consumer provides sufficient evidence of identity theft, the reporting agency must block any information related to the fraudulent activity. Since neither TransUnion nor XXXX XXXX  has provided proof that this inquiry is legitimate or belongs to me, I request that you promptly remove it from my credit report. 

Please consider this letter as my official request for an investigation into this matter. I also ask for a confirmation of the removal once it has been completed. Attached are any documents I have that may support my claim. 

fraudulent inquire XXXX XXXX  ( XXXX, XXXX XXXX ) Thank you for your prompt attention to this serious matter.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past six months. 

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
The XXXX payment was paid on time. However, the XXXX XXXX XXXX  portion of the payment was shorted to pay escrows. This is a Reg Z violation. I have not been told or provided an accounting of why this occurred. 

The leftover money was placed in unapplied funds and not credited to pay my XXXX XXXX XXXX. This was not known to me until the XXXX of XXXX when the truist informed me they would report me to the credit agency for being late. 

The company reps ' inability to explain why the XXXX XXXX XXXX was removed to pay escrows and not the XXXX XXXX XXXX has left me perplexed. I was told to pay {$1600.00} immediately to avoid payment default. I did so, and then the next day, I was asked for another {$400.00} payment, which I made. All this so I would not be called late on my mortgage. Please account for all this money and explain why no proof was provided when I requested documents. 

Not once were any request for doucumentation provided from turist. Emails were trippled verified, spam and junk filters were checked and nothing provided. 

I am requesting a full accounting of the money I have paid to Truist. I want to understand why my Reg Z rights were violated, leading to the removal of XXXX XXXX XXXX to pay escrows. I also want to know why my leftover funds were placed in unapplied funds instead of being used to pay the principal. 

The entire escrow situation created by Truist has led to this predicament. Truist 's actions have resulted in violations of TILA Reg Z, which is a serious matter. 

I make my payments on time and prove to you that I do in my pay history ; I sent {$2000.00} to pay for things that the truist team could not prove or describe. You unapplied my funds and placed me over a barrel to hold me in a payment default situation. Yet you won't tell me what I am paying for or why you placed me in this situation. I feel misled and I urge you to restore my trust in your institution. 

I had no choice but to blindly send money or face negative consequences. Please justify the TILA violations a resonable part of your business practices. You have harmed a good client, I am they type payer you want, you should not treat people who pay so terribly poorly. I feel unfairly treated and I urge you to rectify this situation. 

Please justify your actions. I still do not know what you want for XXXX payment due in two days. Please, Please Please communicate what it is I owe. You can at the veru least do that for someone who pays bills.

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 2024-09-26 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:
THESE ARE GIVING ME STRESS, THESE ARE ALL UNAUTHORIZED AND NOT MINE, PLEASE HELP ME WITH THIS.

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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Bank account frozen due to banking error. Will not give me any money from either of my accounts. Tried to resolve at branch and was told sorry we cant help you and well give you your money when we feel like it. All over an address change. It is a lot of money

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally filing a complaint against your agency for the blatant reporting of false information on my credit report. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e and 15 U.S.C. 1681a ( 1 ) ( b ). The inaccuracies on my report have caused substantial damage to my financial standing and peace of mind.

As credit reporting agencies, you have a legal obligation to ensure the accuracy and integrity of the information you provide. It is your duty to conduct thorough investigations into reported inaccuracies. Your complete disregard for this responsibility is unacceptable. I demand the immediate deletion of all erroneous entries from my credit report.

The FCRA is unequivocal : consumers have the right to dispute inaccurate information, and you must investigate these disputes promptly. Your failure to correct or remove this erroneous information is a direct violation of my rights and constitutes a serious breach of the law. 

If this matter is not resolved immediately, I will take legal action, including pursuing small claims for every instance of wrongful reporting. I expect a detailed written response within 30 days outlining the actions you have taken to rectify this situation. 

This is not merely an inconvenience ; it is a violation of consumer rights that can not be ignored. I insist that you act in accordance with the law and rectify these errors without delay.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has placed a collection account on my personal credit report for a business account without my written authorization or a court ruling. This action violates 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1692 ( a ) regarding abusive, deceptive, and unfair debt collection practices. Additionally, American Express failed to credit the business account after accepting payment in the form of registered securities and negotiable instruments, which breaches their original contract and violates the Securities Exchange Act of 1934. American Express states that the business account is closed, yet the business account still remains open and still has a credit line attached to it. American Express 's actions violate the following laws : 15 U.S. Code 1666 ( b ) & ( d ) - The company failed to address billing errors properly and engaged in fraudulent billing practices. Billing Error Notices were sent in XX/XX/XXXX and XX/XX/XXXX, yet the business didnt receive a response. 15 U.S. Code 1692 ( a ) - They have committed abusive, deceptive, and unfair debt collection practices by definition. 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - American Express added adverse information to my consumer report without my written consent, violating my right to privacy and fair reporting. They are also in violation of compliance procedures for reporting inaccurate information. On multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), American Express accepted restricted endorsed negotiable instruments, payment vouchers, and registered securities but failed to credit the business account. This violates their role as a Security Transfer Agent under the Securities Exchange Act of 1934. The failure to credit these payments also breaches the Electronic Funds Transfer Act. I request the immediate removal of the American Express collection account from my credit report as it is inaccurate and no contract was given. I also request an investigation into their unlawful and deceptive debt collection practices and appropriate penalties. Please find the attached supporting documentation regarding the payments and the dispute notices sent to American Express. XXXX v XXXX highlights the importance of providing accurate information by credit bureaus and what happens when a credit bureau fails to abide by applicable laws. Any change in contract made by American Express is declined and not accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account was charged off. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history and a violation. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated rights 15 USC 1681 ( e ) b. I am demanding a deletion of the following accounts as they are affecting my credit profile tremendously : 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

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account was charged off. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history and a violation. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated rights 15 USC 1681 ( e ) b. I am demanding a deletion of the following accounts as they are affecting my credit profile tremendously : 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

Company response to consumer: Closed with explanation