vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: UT

Complaint narrative:
Received a call from a Process Server, trying to serve me papers for a law suit being filed against me. 
They referred me to XXXX XXXX XXXX, in which told me that I was being sued by US Bank for a Debt from XXXX, that was filed/ discharged on XXXX Bankruptcy. When trying to inform the agent on the phone, he said it didn't matter, they would see me in court, that I am being sued.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I have an Indigo Credit Card which is now Concora Credit. They report my balance and payments to the credit bureaus on the XXXX of each month. They have already reported my credit balance as being XXXX on XX/XX/XXXX. I had a XXXX balance. I have been using my card and plan to pay it off again before my bill is due and before they report it for XXXX. Today, I got an alert from XXXX and XXXX that the company reported my credit card balance use today again and it has brought my credit score down. Why are they reporting my usage of the card during the middle of the month. I did not think that a company can report to a bureau twice a month. This is very unfair and should be against the law. This needs to be changed with all 3 bureau. I am attaching a copy of the XXXX report to show an example. They have done this with the other credit reporting agencies also,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: IL

Complaint narrative:
plaza services llc Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX | ( XXXX ) XXXX Was reported on my credit report. 
15 USC 1692C states ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Last year my husband and I filed for XXXX due to a business failure. It was an S-corporation, so this affected us personally. However, we were able to keep our home and have paid both our primary mortgage as well as a small balance on a HELOC consistently without missing a payment. 

Our HELOC was with XXXX XXXX XXXX XXXX, which was purchased by XXXX. After the bankruptcy, despite being in good standing, XXXX sold or otherwise transferred the loan to Dovenmuehle. I already know the line of credit would no longer exist. I have continued to make payments. Our bankruptcy was already discharged on XX/XX/year>. 

I have called Dovenmuehle many times because I have no access to my loan information either online or with paper statements. 

Sometimes they say they can not give me digital access ( for legal reasons ) but they will send a statement in the mail. However, they have never sent one. The never agree to give me any details over the phone, despite verifying my identity. No the balance, not confirmation they received my latest payment, nothing. I think this is unconscionable. 

They said the law does not allow them to provide access digitally because of the bankruptcy. I know this is false, because the bank where we have our principal mortgage has continued to provide both digital access and paper statements. 

I submitted my pay-off request on XX/XX/year>, and still have not received it. I did get a letter confirming they got my request, but give me no time frame when I can expect that information. I am very frustrated and wish to pay the loan off and be done with the horrible company. I should not have interest accruing when I am ready to pay the loan off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Spoke to XXXX Wells Fargo XXXX XXXX XXXX XXXX, XXXX, she stated she didn't see there was still a foreclosure Wells Fargo XXXX for XXXX XXXX, XXXX. I said I have mail from the law firm that it's and foreclosure. Transferred me to foreclosure dept spoke to XXXX stated the XXXX XXXX statement showed foreclosure was suspended as of XXXX XXXX. She would contact the law firm to alert them again that they need to send the homeowner a letter stating the sale has been suspended. She added the law firm is connected to their system, and they're supposed to update their system to reflect the changes on XXXX XXXX 's account as it takes place from Wells Fargo Mortgage. 
Trial Modification approval documents was received from mortgage servicer. Received foreclosure letter from foreclosure attorney saying sale date is XXXX XXXX, XXXX. 
with Wells Fargo customer s

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 2024-12-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Chambless, Math, Carr, P.C.
State: AL

Complaint narrative:
I settled a debt with XXXX XXXX XXXX and chose to make payments of {$100.00} each month on the last date. I made 3 payments and the balance on the loans still Say the same on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Company called Aidvantage keeps sending me a bill saying I owe something on a payment plan. Doesnt say the name of the company its owed to but its saying student aid, like a student loan etc and I have not been in school since I graduated in XXXX!!! This letter states the due date or bill date is XX/XX/XXXX!! I have called 3 times today trying to get this issue resolved. They hung up on me twice and the 3rd time I got an automated message! I need this resolved asap! Its clear that fraud has been committed and XXXX cant contact anyone to get it handled. I do not even know where to begin as I did not attend a school or get a loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
SUMMARY After taking a cash advance at XXXX XXXX interest that was paid off prior to the end of the offer period, I was then charged an interest payment. XXXX months later, I received a Past Due Notice the first indication that there was any kind of an issue. The facts are simple. 

FACTS A {$25000.00} cash advance was taken from my USAA XXXX XXXX Credit Card in XX/XX/XXXX pursuant to a XXXX XXXX Offer for XXXX XXXX  promotional APR. The Offer stated : After your XX/XX/XXXX billing cycle, your regular cash advance APR, currently XXXX XXXX, will apply to these balances. [ emphasis added copy of offer attached ]. 

The XX/XX/XXXX XXXX showed a balance of {$20000.00} due XX/XX/XXXX. The XXXX XXXX showed a payment of that amount on XX/XX/XXXX and XX/XX/XXXX with a new balance of {$160.00}. That new balance was based on a balance of {$15000.00} at 13 % interest. [ Both Statements attached ]. 

I never received any notification in writing after I paid the balance shown on the XXXX statement until I received a letter in XXXX from a XXXX XXXX. I responded disputing the debt [ See attached copy of my letter ]. 

ISSUES First of all, I am being charged XXXX XXXX  vs the originaXXXX XXXX XXXX shown on the Promotional Offer. The balance was totally paid off prior to the due date of XX/XX/XXXX. This was prior to After your XX/XX/XXXX billing cycle. 

Next, if there is any ambiguity here, I would like to point out that this Offer was prepared and printed by USAA. When I made a telephone call to USAA prior to XXXX, I was informed that a payment in XXXX prior to the due date would avoid any interest charges. USAA claims that they can find no reference of such a telephone call in their records. 

I attempted to resolve this with numerous telephone calls and letters [ copies of letters attached ]. 

I received notification from my credit monitoring service that USAA has notified the credit bureaus that my payments are late. When my XXXX statement arrived, I sent a dispute letter, certified mail, in response [ See Statement and letter attached ]

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 2024-12-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-10 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful n
oncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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