vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: MD

Complaint narrative:
I am writing to assert my rights under several provisions of U.S. law regarding the handling of my personal information. According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to manage their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I am entitled to ensure that my private information is not disclosed without my explicit consent.

Furthermore, Section 6801 of the Fair Credit Reporting Act ( 15 U.S.C. 6801 ) mandates that financial institutions must protect the privacy and confidentiality of their customers ' nonpublic personal information. XXXX XXXX XXXX, as a financial institution, is bound by this obligation. 

Under Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. Neither XXXX XXXX XXXX, XXXX, nor Experian has my written consent to disclose my information. Thus, I revoke any and all forms of consent previously given, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, Section 6802 ( b ) ( c ) of the Fair Credit Reporting Act ( 15 U.S.C. 6802 ) prohibits a financial institution from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to opt out. XXXX XXXX XXXX  has not provided me with this necessary information. 

Moreover, Section 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) prohibits the inclusion of adverse items of information that predate the report by more than seven years. The adverse account in question is being reported in violation of this provision.

Section 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires that a person furnishing information to a consumer reporting agency must ensure its accuracy. Section 1681e mandates that consumer reporting agencies maintain procedures to avoid violations and restrict the furnishing of reports to permissible purposes. XXXX and Experian are not adhering to these requirements. 

Furthermore, 12 CFR 1016.7 allows consumers to exercise the right to opt out at any time. I am formally opting out of your reporting services. 

Please take immediate and indefinite action to address these concerns and ensure compliance with all applicable regulations.

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 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently obtain a copy of credit report an noticed that I have some hard inquiries that I did not authorize. 


XXXX 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 2024-09-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: PA

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: PA

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 XXXX 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
Consumer complaint received 2024-09-04 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: LA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Body of the letter : Under 15 USC 1681 e ( b ) Accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure then maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of the information from the file of the consumer, or modify that the item of information, as appropriate based on the results of the reinvestigation, an ( ii ) promptly notify the furnisher of that information that has been deleted or modified from the file of the consumer.Please delete these accounts off my report.

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 2024-09-04 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/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. 

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
XX/XX/year> Navy Federal Credit Union failed to provide a proper receipt and co mingled funds in a MORTGAGE Equity LOC Payment however the payment was clearly marked .private.special deposit.entrust. The amount was $ {$1700.00} united states dollars with || through the XXXX indicating $ $ real united states dollars, not Federal Reserve Debt Notes which cant pay anything. The receipt only showed {$1700.00} not the $ {$1700.00} real united states dollars to pay in full the alleged mortgage. The payment was marked Account Paid in Full and was confirmed by the Navy Federal Credit Union Bank Teller at Kentucky. 

The receipt shows an unnamed Mortgage Equity LOC Payment. We do not have a Mortgage Equity LOC. This failure to properly identify the source and use of funds is a violation of GAAP Generally Accepted Accounting Principals, and allows money laundering. 

The only reason that we deposited funds to a mortgage account was to confirm for the FIFTH time that the ACCOUNT IS PAID IN FULL and per Uniform Commercial Code, the Account was Paid in Full. Navy Federal Credit Union failed to provide the Settlement Documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am not associated with these inquiries or the listed creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
I remitted money to XXXX through sigue corp on XX/XX/2024, and I have not received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been XXXX months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/2024, and SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am the Victim of identity theft. I have never authorized the following inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I reviewed my credit report from Experian and I noticed that they fail to adhere to my request both that have been written and certified through mail as well phone calls about the incorrect personal information that is on credit report in which the information is tied to identity theft. In ongoing attempts to get this information removed Experian has bluntly ignored my request and documentation. 
Per XXXX5 USC 1692 c 15 USC 1629 b 15 USC 1681c-2 I do not consent of the inaccurate information listed below. 
Name 's : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 's : ( XXXX ) XXXX XXXX XXXX XXXX, Ca XXXX Address ID # XXXX Address ID # XXXX, Address ID # XXXX ( XXXX ) XXXX XXXX  Ct XXXX, CA XXXX Address ID # XXXX ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX Address ID # XXXX Phone Numbers : 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Subject : Immediate Cease and Desist Request for Inaccurate Credit Reporting Dear XXXX XXXX I am writing to formally request that you immediately cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my credit report, I identified the following discrepancy : account XXXX XXXX  past due balance {$900.00} This accounts is inaccurately reported as a delinquent account, which is not accurate. 
This error is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: VA

Complaint narrative:
For the past months I have tried to reach out to your company to have these items reviewed, investigated and removed - none of which you have responded with good concerns. I have been struggling with getting credit approvals because of this items reporting on my file, and I need you to remove them as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Under 15USC1692 ( c ) requires debt collectors to send consumers a written validation notice [ w ] ithin five days after the initial communication with a consumer in connection I provided and notarized copy from the current landlord showing I didnt owe them and they refused to remove the collection from my credit. Creditor is National Credit System, Account Number : XXXX, Date Reported is XXXX XXXX, Amount Owed XXXX, Company Address is XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX SANTANDER CONSUMER USA. XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : Santander & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
there's been an error on my report about late payments from wells fargo credit card service company that I never gave permission to.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Company repeatedly calls to collect debt that I do not believe I owe, I had a XXXX outlet credit card, made a small around {$30.00} dollar charge. Due to the unexpected DEATH of my husband I missed its payment. Once I realized it, I immediately paid it, XXXX bank holder of the credit card, called and said there was a late payment due, I asked considering the circumstances, would they waive the late fee, they did not, most companies do, I also asked for the card to be canceled, they refused. I then got a bill for a trumped up charge of {$2.00}. I called them multiple times, asking to talk to a supervisor, the agent replied only if I made a payment to my balance. Then they started accruing penalties and fees, which the Better business bureau has sighted as unfair credit charges. My credit rating took a hit. Then they sold the debt to midland credit management who started harassing me with multiple calls from multiple numbers, I had to place a call blocker on my phone. I have had as many as 10-12 calls a day in rapid succession. This company has an unsatisfactory rating from better business bureau. All this mess could have prevented if XXXX XXXX  allowed me to talk to a supervisor.

Company response to consumer: Closed with explanation