vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX has falsely reported a payment made in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by XXXX reporting those payments amounts as {$0.00} for those dates. 

As XXXX is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report. 

If XXXX wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment. 

Additionally, I dispute the following addresses on my credit report and demand they be removed immediately. Neither of these are my address and are not associated with me or anyone I know personally. 
XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Furthermore, this complaint is against Experian for refusing to allowing me to file a dispute online and demanding that I callXXXX XXXX XXXX XXXX XXXX XXXX  and do not talk on the phone. This demand is a violation of XXXX by refusing to allow accommodations for 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 2024-05-05 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: OH

Complaint narrative:
I have challenged XXXX XXXX  in the past and had this account removed/deleted for inaccuracies and violation of 15USC 1681 a ) b- Duty of knowledge and knowingly furnishing inaccurate information to the Data Furnisher- this account keeps coming back even after it had been removed which is a violation of FDCPA 605b. I contacted TransUnion today XXXX in regards of FCRA section 623 their duty as a Data Furnisher and they continuing actions to allow this Act to continue to break laws and Regulations. Its only reporting on my Transunion Report and I have reached out by certified via mail on XXXX XXXX and have filed a dispute through XXXX XXXX again on XXXX which is currently past the 30 days timeline that an investigation should be completed by FCRA Law, which is another clear violation of FCRA section 623. I want this account removed indefinitely. And TransUnion to be Fined {$1000.00} for what they have allowed to be furnished even after I have addressed this matter. This company dont have proof or can not validate this debt belongs to me it must be Removed.

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 2024-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been requesting updates for some transactions that were not approved by myself on my account for two weeks now with the same runaround. Experian smart money debit card. Agents asked me to repeat myself 10 times for the agent that Im asking for that. Left me a voicemail, I faxed over the paperwork they requested and they keep saying they didnt get it well another agent says they have received it. They are charging me {$99.00} for a subscription. I know for sure that I have never signed up for also, I had to practically more than a dozen times to get them to cancel a subscription that I never signed up for the past for XXXX a month that they said that they kept, insisting on charging my card. Now all I want is my money back into my account so I can hurry up and close this account. I want nothing to do with them. They claim both this and boost that and its all a bunch of fraud if you ask me Somebody please help the transaction question are over {$250.00} I believe in which some of the companies have contacting them and said they released credit to experience smart money debit card and Experian is acting as if nothing or theres no would have to wait. They sent me the paperwork. I filed the dispute on XX/XX/XXXX, they sent the paperwork attend limit to return the paperwork to get a credit on my account of the funds. I didnt get the paperwork until XXXX XXXX and they said 10 days from XX/XX/XXXX how does that makes sense.

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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
THIS IS NOT A REPEAT DISPUTE!!!!!! I WAS SUED BY SECURITY CREDIT SERVICES LLC ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX. I WAS NEVER PROPERLY SERVED IN EITHER CASE!!! I HAVE ATTACHED THE COURT DOCUMENTS THAT FURTHER VALIDATES MY CLAIM!!!! 

CONSUMER FINANCIAL PROTECTION BUREAU ; DO YOUR JOB AND ENFORCE THE LAWS I HAVE PRESENTED BEFORE YOU!!!! 

SECURITY CREDIT SERVICES IS VIOLATING MY CONSUMER RIGHTS. Per 15 USC 1681e ( b ) Accuracy of report, SECURITY CREDIT SERVICES sued me on XX/XX/XXXX and again on XX/XX/XXXX in the amount of {$12000.00} and they did NOT report it to any of the credit reporting agencies, as they were supposed to do. Not to mention, I was NEVER SERVED with the proper documentation that would inform me of a court date. The nature of those negligent actions caused for all of my credit files to have numerous inaccuracies on all of my credit reporting agency files. SECURITY CREDIT SERVICES also violated 15 USC 1681 ( b ) s-2 ), and 15 USC 1681 ( c ). This tradeline needs to removed from my credit file because it out of the State of Maryland statutory limit on collecting a debt, which is 3 years. This debt was charged-off in XX/XX/XXXX. And this debt was opened on XX/XX/XXXX ; it is AFTER the LEGAL STATUTORY TIME LIMIT to collect a debt. SECURITY CREDIT SERVICES is not legally contacting and collecting on a debt that NEVER ORIGINATED with SECURITY CREDIT SERVICES. This is another violation, UCC 3-203 Transfer of Instrument. This is another violation that SECURITY CREDIT SERVICES is committing against my consumer rights and creating a financial hardship on me. The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the FCRA and the FDCPA rules against rogue entities acting on their own behalf instead of within the guidelines that they are suppose to follow within the CFPB. 

THE CONSUMER FINANCIAL PROTECTION IS NOW BEING PUT ON NOTICE THAT IF THEY DO NOT HANDLE THEIR FIDUCIARY DUTY AND ENFORCE THE LAWS THAT I AM PRESENTING TO FURTHER VALIDATE MY CLAIMS THE CONSUMER FINANCIAL PROTECTION BUREAU WILL HAVE SANCTIONS FILED AGAINST THEM FOR NON-COMPLIANCE OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX has falsely reported a payment made in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by XXXX reporting those payments amounts as {$0.00} for those dates. 

As XXXX is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report. 

If XXXX wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment. 

Additionally, I dispute the following addresses on my credit report and demand they be removed immediately. Neither of these are my address and are not associated with me or anyone I know personally. 
XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Furthermore, this complaint is against XXXX for refusing to allowing me to file a dispute online and demanding that I call. I am hard of hearing and do not talk on the phone. This demand is a violation of ADA by refusing to allow accommodations for 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX has falsely reported a payment made in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by XXXX reporting those payments amounts as {$0.00} for those dates. 

As XXXX is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report. 

If XXXX wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment. 

Additionally, I dispute the following addresses on my credit report and demand they be removed immediately. Neither of these are my address and are not associated with me or anyone I know personally. 
XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Furthermore, this complaint is against XXXX for refusing to allowing me to file a dispute online and demanding that I call. XXXX XXXX XXXX XXXX XXXX and do not talk on the phone. This demand is a violation of XXXX by refusing to allow accommodations for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered an account with inaccurate information showing two late payments that were actually made on time. I have attached a copy of my report dated ( insert date, month, and year ) for your reference. I request a thorough investigation to provide verifiable proof that these payments were late. If unable to verify, I demand immediate correction to reflect the payments as on time. 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 non-monetary relief
Consumer complaint received 2024-05-05 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-05 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I refinanced with another lender. Loan was paid off. I had {$6200.00} in escrow. Over 30 days ago. I tried calling old lender for my escrow refund. I am not able to speak to someone. I speak to automated teller with not option to speak to a live person. Did not receive my escrow refund. Bank was deceptive from the start. I'm afraid I won't get my escrow due me. I did not want escrow, bank agreed, they stated I would not have to pay escrow. I got the amount to pay for mortgage. But, at closing they instituted an escrow. Lied. Told me I could refinance after 6 months, and would not have to pay closing if I stayed with them. My lawyer said that is a lie, everyone pays closing for refinance. After 6 months I asked if I can refinance, the bank said No. I decided to apply to another bank, got approved. New Bank paid off mortgage. Now I can't speak to anyone from the old bank. They blacklisted me. The automated teller hangs up on me. I had 3 options 1. Request loan payoff letter, 3. Request lien statement, 3. Request tax statement. Those are my only options. It tells me to go online. I did that. I want to get my escrow Check. There is no information available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. I had recently reviewed my credit report and saw inaccurate information being report resulting in significant negative impact on my credit report. I never authorized this lender to make a hard inquiry on my credit report. Per credit consumer law ( 15 U.S. Code 1602p ) I request that you please remove this specific hard inquiry from my credit report immediately as for it is causing damage to my credit report proving inaccurate information which is in violation of my rights and of the FCRA.

I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. As well as reporting late payments on my account this is inaccurate information that is having a negative effect on my credit report causing a negative impact on my credit score and payment history. Under 15 U.S. code 1681s - 2 that is in violation of the law and my rights to report any inaccurate information. As well in violation of 15 U.S. code 1681 ( b ) reporting any information regarding my credit report without my written consent. With my account being shown as a charge off of bad debt that is inaccurate and having a negative effect on my credit report causing severe damage to my credit score and history under 15 U.S. code 1601. Regarding the reports of late payments effecting my credit negatively I want to refer that under 15 U.S. code 1666 ( B ) it is a violation of my rights reporting inaccurate information. This is all in violation of the FCRA and I would like them removed immediately. 

I have previously submitted disputes with the following individuals XXXX, XXXX and Equifax. The disputes have been submitted on 3 or more separate occasions dating back from XX/XX/2024 til currently over the time period I have asked for them to verify proof there credit reports were accurate, they have yet to submit proof or proper accuracy I have pull credit reports from varies bureaus resulting in various instances where I found multiple instances of inaccurate information being reported having a significant negative effect on my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. I had recently reviewed my credit report and saw inaccurate information being report resulting in significant negative impact on my credit report. I never authorized this lender to make a hard inquiry on my credit report. Per credit consumer law ( 15 U.S. Code 1602p ) I request that you please remove this specific hard inquiry from my credit report immediately as for it is causing damage to my credit report proving inaccurate information which is in violation of my rights and of the FCRA. 

I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. As well as reporting late payments on my account this is inaccurate information that is having a negative effect on my credit report causing a negative impact on my credit score and payment history. Under 15 U.S. code 1681s - 2 that is in violation of the law and my rights to report any inaccurate information. As well in violation of 15 U.S. code 1681 ( b ) reporting any information regarding my credit report without my written consent. With my account being shown as a charge off of bad debt that is inaccurate and having a negative effect on my credit report causing severe damage to my credit score and history under 15 U.S. code 1601. Regarding the reports of late payments effecting my credit negatively I want to refer that under 15 U.S. code 1666 ( B ) it is a violation of my rights reporting inaccurate information. This is all in violation of the FCRA and I would like them removed immediately. 

I have previously submitted disputes with the following individuals XXXX, Experian and XXXX. The disputes have been submitted on 3 or more separate occasions dating back from XX/XX/year> til currently over the time period I have asked for them to verify proof there credit reports were accurate, they have yet to submit proof or proper accuracy I have pull credit reports from varies bureaus resulting in various instances where I found multiple instances of inaccurate information being reported having a significant negative effect on my credit scores.

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UMB FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently became unable to seek gainful employment due to my XXXX. I am currently receiving general assistance. Being unable to work has caused an economic hardship on my way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: GA

Complaint narrative:
On ( XXXX XXXX ) you received my dispute regarding some transactions and late payments that you and ( XXXX ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, Transunion, XXXX ) stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 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 am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.

We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX, Transunion, XXXX ) have fraudulently verified an account without a reasonable procedure as required by law. 

Delete these incomplete and unverifiable accounts and transactions 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