vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
XXXX XXXX has placed a Charge off on my account with proof of validation or consent to place such item on my credit report. I also sent them the Letter of the law. I have attempted several times to have them remove these items from their company off of my credit report. Through response they have refused to remove these items. They are not in compliance with the law and I'm asking for help to Kindly get these items removed from my credit report. This negative item has devastated my livelihood and my chances of being approved for a new home. 

Regards, XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me XXXX disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Regards, 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 2024-06-26 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: GA

Complaint narrative:
XXXX XXXX has placed a Charge off on my account with proof of validation or consent to place such item on my credit report. I also sent them the Letter of the law. I have attempted several times to have them remove these items from their company off of my credit report. Through response they have refused to remove these items. They are not in compliance with the law and I'm asking for help to Kindly get these items removed from my credit report. This negative item has devastated my livelihood and my chances of being approved for a new home. 

Regards, XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX  it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Regards, 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 2024-06-27 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: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: AZ

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX I applied for an apartment rental, completed the rental application, and later on signed a lease agreement for. After speaking with the agent on the phone who answered several questions and driving to see the exterior of the apartment, I was requested to send payment for the property to secure it from XXXX potential other applicants. I sent the security deposit payment for {$800.00} using XXXX under my BMO banking app, and {$800.00} for the first month rent using XXXX. Leasing agent told me I couldnt move into the home until the current tenants moved out on XX/XX/XXXX. I received a processed invoice for my payments and the morning of XX/XX/XXXX when the tenants were supposed to be moved out, the scammer ( leasing agent XXXX XXXX ) stopped responding and deactivated the phone number I was communicating to. 

I filed a police report ( case # XXXX ) with the city of XXXX and reported the fraudulent transaction to my bank BMO. I was told by my bank ( BMO ) they understand the incident and the XXXX transaction for {$800.00} would be returned to my checking account within 2 weeks as preliminary funds while they did an investigation about the fraud. This BMO bank located XXXX XXXX XXXX XXXX, XXXX XXXX CO, XXXX assured me there would be no issues and said that they have seen similar fraudulent XXXX transactions and helped those customers so I shouldnt worry. 

On XX/XX/XXXX, a couple days after the 2 weeks, I had not received any funds and contacted BMO. They described to me that I was denied and no funds would be refunded because the investigation was determined as not fraudulent. This is obviously not the case. I was manipulated and scammed. I hope that you can take my situation into consideration and progress action since my bank institution has shown a loyal customer unwillingness to help. 

***Additionally, I filed a claim with XXXX for the additional {$800.00} lease payment and upon providing the police report, XXXX refunded my transaction. XXXX investigation determined the transaction was fraudulent.

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 2024-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
WAYPOINT RESOURCE GROUP {$160.00} Open balance WAYPOINT RESOURCE GROUP Original creditor Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Responsibility Individual Remarks Placed for collection Original creditor name WAYPOINT RESOURCE GROUP The last response I got was : Hello, Do you have another address or phone number that this account could be associated with? Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I called again and I finally got an account number. Was told this was a XXXX bill, however I have been in prison the last XXXX XXXX and haven't had XXXX in over XXXX XXXX not once did I receive a notification.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I Had A Credit Of XXXX $ On My Account Before This Fiasco Started. I Was A Victim of A Scam XXXX XXXX  on XXXX. I purchased Some Items Total of XXXX $ Due To Some XXXX Issues I Was Having I Inadvertently Purchased A Duplicate Order In The Amount Of XXXX $ I Tried To Contact The Merchant To Cancel One Of The Orders. No Response. I Get My Credit Card Company citi.XXXX Involved. I Guess Their Computer Algorithm Is Programmed To Throw Their Customers To The Wolves. In Order To Protect My Credit Score I Ended up Paying For Both The Fraudulent Orders. I Never Received any Of The Items I Ordered From Both Orders I Feel So Unappreciated As A Customer I Close my Account

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 2024-06-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-06-26 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: GA

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 : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 the 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2023 I received a requested Mortgage Loan Approval from Mortgage Loan Originator ( XXXX ). After locating a property I am attempting to purchase in XXXX XXXX. my realtor contacted the XXXX to confirm loan approval which the XXXX sent to her. The XXXX then began pressuring me to send her the required paperwork after I had begun the property transaction, including XXXX XXXX. After locating and sending what she had requested, I received disclosures for the property loan and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I questioned the content of the disclosures to which the XXXX responded she would have to look into it. I sent additional questions to the XXXX to which I received a re-disclosure with a vague explanation and no answers to my previous questions. I took a picture of the XXXX documents for demonstration, not for informative purposes and asked additional questions not having received answers to anything. I was then contacted by Mortgage Loan Processor ( XXXX ) with additional documentation requests, a statement a XXXX/3 officer at my local 5/3 bank could not explain and coercing me to submit them with the initial signed disclosures within XXXX days with no explanations. After submitting the initial signed disclosures, she then informed me she needed the re-disclosure as well. After informing her that I believe she needed to consult the 5/3 legal department, I was shuffled back to the XXXX. I informed the ( MLP ) that I was only going to correspond through email. The XXXX then contacted my realtor and myself and informed us that she did not understand the disclosures herself and informed me that there were mistakes on them. After consulting another lender, my realtor informed the XXXX that I was withdrawing my loan application from 5/3, to which the XXXX responded no worries. I take this to mean that she is apathetic about the fact that 5/3 bank has wasted so much of my realtor, the seller of the property and my own time and has possibly cost me the employment I had arranged in XXXX. The XXXX then contacted me by text and requested that I respond by text withdrawing my loan application. Realizing this should be done in a more formal way, I emailed my withdrawal to the XXXX and requested verification that I did so. I have attempted to get this situation resolved through the XXXX XXXX XXXX and the Office of the Comptroller of the Currency. Fifth Third Bank officials are refusing to accept responsibility. They claim that I do not understand the loan process. I have had XXXX other loan officers view these documents and both agreed that they are faulty. As stated previously, the Fifth Third Bank XXXX for this loan confirmed to my realtor and myself that there are mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to bring to CFPB attention an issue with the information that Experian has recently reported on my credit profile, commencing XXXX XXXX XXXX. Upon reviewing my records, I have discovered that Experian is unlawfully allowing XXXX XXXX, to pursue a debt for which they lack the necessary licensure and security bond to collect within the state of Texas. Specifically, the collection entry on my credit report from XXXX XXXX, referencing an unfamiliar debt totaling {$2400.00} under account number XXXX, raises significant concerns as it was reported without my consent or prior knowledge. 

I hereby request the account be removed immediately from my Experian credit profile! I am also requesting that you request the following items from XXXX to validate this debt a copy of the original contract or purchase agreement pertaining to the alleged debt. Should you provide the original contract, it must bear the signatures of all involved parties and include the initial terms and conditions, along with any associated addendums and riders. 

Furthermore, I insist on receiving evidence of the debt 's ownership transfer, along with documented proof demonstrating the continuous chain of ownership from the original creditor to the current holder, devoid of any interruptions. This account is in direct violation of f Finance Code TITLE 5, CHAPTER 392, SUBCHAPTER A, FDCPA, 15 U.S.C. 1692 C ( a ) ( 1 ), 15 U.S.C. 1692 C ( C ). 

It is crucial to note that debt reporting without the requisite prior notifications, as established in FTC v. XXXX XXXX XXXX, contravenes consumer rights, is a direct violation of my consumer rights! Additionally, please furnish a comprehensive account history originating from the original creditor, inclusive of payment dates and amounts, as well as the delinquency date leading to the account 's collection status. This should encompass all received payments, including those from recourses such as XXXX XXXX assistance and Veterans Affairs, supported by copies of money orders or checks.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank is reporting my last payment made to them was in XXXX. This is inaccurate, last payment made to them was around XXXX. This should already be off my credit report. By reporting my last payment was XXXX pushes my XXXX retention back to XXXX. This is keeping me from obtaining credit. I've had no contact of any kind with chase since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
Toyota Financial Services sent me a bill for my monthly payment. It was over my current monthly payment, so I canceled the one I had scheduled and scheduled a new payment that would cover the cost. TFS states I canceled my payment for XXXX, when it was for XXXX when I originally canceled it ( see attachment ). TFS charged my bank account for both payments ( {$400.00} for XX/XX/XXXX and {$450.00} for XX/XX/XXXX, a total of {$850.00} ) instead. I attempted to reach them through their customer service, which was no help, as it continued to send me back to the original automated message system. I contacted XXXX XXXX, who said I could contact TFS through their website. However, I have heard nothing back and my bank has put a NSF fee on my account. I have never had any problems beforehand, but I am very careful about how much I pay and when.

Company response to consumer: Closed with explanation