vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX GA XXXX Dear ( Hunter Wakefield ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: DC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX - Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : 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 2024-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I am submitting this complaint regarding a misleading experience with GreenState Credit Union related to the addition of insurance charges on my loan. My loan officer, XXXX XXXX, never verbally discussed loan insurance coverage with me. After our initial call, he sent a follow-up email explaining that the loan would include life and disability insurance coverage. This email went to my spam folder, and I was unaware of its contents until recently.

In the email, XXXX stated that the loan included " Life Coverage. '' He did not explain that the cost for " Life Coverage '' would be subtracted from each loan payment I made. I did not knowingly agree to this coverage, nor was I made aware of these additional costs until XXXX, long after signing the agreement. 

Additionally, when I signed the loan agreement via XXXX, the platform highlighted required signature areas and would not allow me to proceed without signing these fields. I believed I was signing for the terms XXXX and I discussed, unaware that insurance had been added. I raised my concerns with the bank, explaining that I felt coerced into agreeing to insurance coverage because the platform wouldnt allow me to skip over the " Life Coverage '' portion of the agreement. When I explained this to XXXX XXXX, a bank representative, she stated that it was my responsibility to review all loan terms and that if I didnt want the " Life Coverage, '' I should have contacted them, even though I was not made aware that the agreement contained unexpected insurance charges.

This experience has deeply damaged my trust in what I believed to be a responsible and transparent lending institution. As a consumer, I expected clear disclosure and transparency from the bank on all aspects of the loan. Instead, I felt deceived by a practice that seems designed to impose additional fees without informed consent.

I am requesting that the CFPB investigate this matter and assist me in obtaining a refund of the premiums paid to date and the removal of this insurance charge from future loan payments.

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 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: KY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: National Credit Adjusters, LLC
State: NE

Complaint narrative:
Experian dispute NCA has two collection items not mine and no knowledge of these accounts. XXXX XXXX XXXX no way these accounts are mine. They refuse to remove and have given me no itemized statements, payment history, transactions, or a signed contract..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. I have included an attachment of Equifax confirming my information was compromised. This has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I kindly request that Equifax block the following accounts and prevent any further reporting of them on my credit report : XXXX  XXXX, Account # : XXXX XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, Account # : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: WA

Complaint narrative:
15 USC 1692g ( 807 ) : False & misleading - The Bureaus, Inc is NOT licensed in the state of Washington and therefore it is illegal for them to attempt to collect within the state of Washington. > 15 USV 1992g 813 ( d ) jurisdiction- The Bureaus, Inc is not licensed in the state of Washington . Subject to compensation by litigation. 15 USC 1692g ( 812 ) : False and misleading- Failure to provide debt validation. Copies of statements is NOT proof of ownership of debt nor chain of ownership. 15 USC 1692c, - Communication in connection with debt collection ( b ) a debt collector may not communicate, in connection of collecting of debt with 3rd parties of which credit reporting agencies are 3rd parties. 15 USC 1692e ( 13 ) False representation or implication that documents are legal process. Copies of statements is not validation of ownership of. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-Collection agency is not licensed in XXXX  state .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: WA

Complaint narrative:
15 USC 1692g ( 807 ) : False & misleading - The Bureaus, Inc is NOT licensed in the state of Washington and therefore it is illegal for them to attempt to collect within the state of Washington. > 15 USV 1992g 813 ( d ) jurisdiction- The Bureaus, Inc is not licensed in the state of Washington . Subject to compensation by litigation. 15 USC 1692g ( 812 ) : False and misleading- Failure to provide debt validation. Copies of statements is NOT proof of ownership of debt nor chain of ownership. 15 USC 1692c, - Communication in connection with debt collection ( b ) a debt collector may not communicate, in connection of collecting of debt with 3rd parties of which credit reporting agencies are 3rd parties. 15 USC 1692e ( 13 ) False representation or implication that documents are legal process. Copies of statements is not validation of ownership of. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-Collection agency is not licensed in XXXX  state 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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Apple had a promotional offer on their credit card that stated directly from their website that I showed to their own representative at the time of and even took the screenshot from their website when I was needing assistance for them to see themselves, the offer stated Now through XXXX, get a new Apple Card using the 'Apply now ' button below and earn {$100.00} Bonus Daily Cash when you spend {$500.00} or more within your first 60 days of account opening. ' which I showed them and they would constantly just say thats weird or whatever and I completed all their requirements for the promotion and applied during the promotion time period which Im sure they can see etc I started asking on XX/XX/XXXX and contacted them multiple times in between trying to resolve it and on XX/XX/XXXX a representative XXXX said that is weird and he will take care of it and apologized saying it wont take more than 10 days to get what was stated from the promotional offer and it has been over half a month now this is ridiculous, fraudulent and basically a scam by a huge corporation its disgusting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and other credit card companies after XXXX  pulled my credit limit of XXXX within 7 days reported my debt ratio high which lowered my score as XXXX  never reported the card to the credit bureaus before closing the account fraudulently and reissuing three new cards in a week. this is fraud

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 2024-11-05 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-11-05 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: SC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION 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!

Update 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 2024-11-05 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: SC

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX 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! 


Update 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 explanation
Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
Subject : **Dispute of Inaccurate Information Repossession/Charge Off Account** To whom this may concern, I am writing to formally dispute the accuracy of a reported account on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified an entry related to a repossession of a vehicle, which I believe is inaccurate and requires investigation.

The entry in question is related to a repossession of a vehicle from a dealership that is no longer in business. Specifically, the original creditor listed is XXXX  XXXX XXXX, and the account number is XXXX. As the dealership ( XXXX XXXX, XXXX XXXXXXXX XXXX ) has ceased operations and is no longer in business, I have not been able to verify the accuracy or legitimacy of the debt.

Under the FCRA, I am entitled to a timely investigation of any disputed information on my credit report. As the original car dealership is no longer available for validation or resolution, I request that you initiate an investigation into this entry, including verifying the validity of the debt, the correct amount, and the accuracy of the reporting of the repossession.

Please be advised that, in accordance with the FCRA, you are required to complete your investigation within 30 days and provide me with the results in writing. If you are unable to substantiate the validity of this account, I request that you remove this item from my credit report.

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2024-11-05 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: CA

Complaint narrative:
Subject : **Dispute of Inaccurate Information Repossession/Charge Off Account** To whom this may concern, I am writing to formally dispute the accuracy of a reported account on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified an entry related to a repossession of a vehicle, which I believe is inaccurate and requires investigation.

The entry in question is related to a repossession of a vehicle from a dealership that is no longer in business. Specifically, the original creditor listed is XXXX  XXXX XXXX, and the account number is XXXX. As the dealership ( XXXX XXXX, XXXX XXXX, XXXX  ) has ceased operations and is no longer in business, I have not been able to verify the accuracy or legitimacy of the debt.

Under the FCRA, I am entitled to a timely investigation of any disputed information on my credit report. As the original car dealership is no longer available for validation or resolution, I request that you initiate an investigation into this entry, including verifying the validity of the debt, the correct amount, and the accuracy of the reporting of the repossession.

Please be advised that, in accordance with the FCRA, you are required to complete your investigation within 30 days and provide me with the results in writing. If you are unable to substantiate the validity of this account, I request that you remove this item from my credit report.

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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