vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act, the account listed below has violated my protected my consumer rights to privacy and confidentiality under 15 usc 1681 account name : XXXX XXXX XXXX account name : XXXXXXXX XXXX  account name : XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX. 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. it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency make any consumer report containing any of the following items of information. any other adverse items of information, other the record of conviction of crimes which antedates the report by more then seven years 15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish my information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Re : XXXX & XXXX - I am still owed {$50.00} due to an overpayment to my loan. Questions from my previous complaint were not answered. All items must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
This is my fifth and final attempt to fix this issues I wasn't going to submit another complaint because my attorney is handling my case now. But I had to to show other individuals that's going though the same issue that there is hope. I am a veteran and only was seek correction to my credit report now I'm seeking justice. I've contacted my local court house seeking justice for disable veterans and came across individual that can help. I have a XXXX  on my report and I was only asking for correction to the XXXX and XXXX  status XXXX  XXXX and that status is what is hurting me now because I can't buy a home with it I sent in numerous documents showing the correct information but on was told lies even went to the court house to ask why have they inserted that information and was told they didn't insert anything so now I'm left to sue both of these two companies for justice for ALL veterans like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I am currently stationed in XXXX  on XXXX orders. Reached out to XXXX and they applied the XXXX even after the account was opened after military service. Heard back less than 30 days with it being approved due to Louisiana law stating so. Different story with AMEX as in they keep saying it got denied because the cards were open after joining not before. I already have XXXX but told them the XXXX XXXX is different then the one they are referring to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX under XXXX XXXX 

Despite multiple requests for correction XX/XX/year> and XX/XX/year>, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Both XXXX and XXXX removed the late payment from my credit report after confirming it was incorrectly reported by XXXX XXXX. However, TransUnion continues to report it inaccurately, negatively affecting my credit score.

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 

XXXX Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax prevents me from placing a credit freeze on my account. I've tried all three methods on their site, from sending them mail, to attempting to sign up for an account ( like 15 times, and it always directs me to an error, telling me to call them ) Then I call them, give all my details, confirm they are correct, and they said " sorry, but we couldn't verify your information ''. The mail elicits no response. Today, tues XX/XX/XXXX, I tried calling and making an account again, but to no luck. My previous attempts were a few weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of DEPT OF ED/XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX  on XX/XX/XXXX under the account number XXXX, XXXX / XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
XXXX  insurance company sent me to collection for a bill that they claim I did not pay. I did not pay that bill because it was to pay in advance for the month. It came with an abusive increase just because I added XXXX more car to the account, when I added the car in the computer they told me that it would go up about XXXX dollars a month, I accepted and the payments would go to be XXXX each month, the receipt arrived and it was XXXX dollars, then I called and discovered that the following months the monthly fee increased to XXXX dollars. So I made the decision to change insurance companies where I paid {$440.00} for my car insurance. I want to make it clear that I was never late on my payments in 5 years working with this company and I never owed them any money. I have perfect credit and this is the only debt I have, not because I can't pay it. 
It is an abuse and neither the collection company or XXXX ever send me a detail month by month how this bill went up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: IN

Complaint narrative:
I recently reviewed my credit report and discovered I am a victim of identity theft. There is an account that was not open by me and this is hindering my ability to purchase a home. I formally dispute these item under Section 605b of the fair credit reporting Act and request their removal. The fraudulent account is listed below XXXX XXXX XXXX XXXX bal. {$1800.00} I request this account to be blocked and removed within four business days, as required by law. I've included proof of identity, an FTC report, and an statement confirming these accounts were unauthorized.

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 2024-10-24 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-24 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: NY

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 "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
This company who i have a verified account with allowed someone to make 9 purchases with a debit card with my name on it under an account that is not mine.. this company only allows users to sign up and use their services if you have successfully verified your identity which i did when i signed up so how was some allowed to make a verified account in their own name and use my debit card that has my name on it. Which they obtained by getting into my bank account creating a virtual card to use on this site. My bank has denied my claims for a dispute and the company will not return my calls or answer .. on XX/XX/year> for the 3rd time my bank gave access to someone else I did not regain access to my account until XXXX all my accounts and even social media has been hacked .. they were able to get access to my phone emails and all accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: PA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Friday, XX/XX/year> I applied for a rental located at XXXX XXXX XXXX # XXXX XXXX XXXX. I applied for the rental through the property manager. I forwarded all necessary information such as a copy of my drivers license and signed application to apply for the unit. Later that afternoon I was informed that I was approved for tenancy. I received through an email attachment the requested documentation that would enable me to rent this apartment. I was also informed that a {$2900.00} security deposit was needed to secure the unit. It was Friday afternoon and I was expected to do a wire transfer to the owner of the property as soon as possible as other individuals were wanting the apartment. As it turned out, I had to wait until the following morning, Saturday XX/XX/year> to complete the transfer as the banks were already closed Friday afternoon. 

The following morning I went to Wells Fargo Bank to complete the wire transfer. The bank representative, XXXX XXXX, inquired if I had seen the unit. I had no idea why he was asking me this as he failed to elaborate any further information to me. I answered by simply telling him no and he completed the transfer. 

There was an undeniable sense of urgency by the property manager to complete the wire transfer as he made me return to the bank on Monday XX/XX/year> that the wire transfer was complete. I was informed by the bank that my copy of the wire transfer was proof that the transaction was complete. There was never a point in time that Wells Fargo Bank questioned the validity of this transaction that I requested. While obviously I was the one applying for the rental and forwarding the security deposit, I had nonetheless never dealt with fraud of this nature. But obviously as initially inquired by XXXX XXXX there was a question of validity of this wire transfer that wasnt communicated to me at all other than asking if I had seen the rental. I had paperwork on letterhead that I believed held the property manager responsible for returning my security deposit if I chose not to rent it. 

For a well established banking institution such as Wells Fargo it is their responsibility to further question the validation of a transfer of this nature as I would have stopped this wire transfer immediately but had no reliable information to go on other than being asked if I had simply seen the rental as that fails to convey any validity to me. As a result, I was scammed out of {$2900.00}.

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 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
The called me upwards of 3 or 4 times a day regarding a credit card charge off debt from XXXX. Around XXXX this year, XXXX, I spoke with a representative and tried to make payment arrangements with them according to what I could afford. They denied me, and were forcing me to complete with what they thought was best, to which there is no way I could have afforded. I now receive a summons that they are taking me to court. I feel this was unjust and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: Financial Business and Consumer Solutions.
State: CO

Complaint narrative:
Prior attempt were done and I only received statements from this collection company of r the credit card. On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. My request to FBCS Inc. was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.

Company response to consumer: Untimely response