vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX my financial institution for my car loan, harasses me on a daily basis almost every day and almost the entire day by phone calls and text messages. They call me several times and more daily except on XXXX  when they are closed. I've asked them several times to stop calling me because my daughter and granddaughter have been hospitalized for months, and I am at work and to please me a letter by mail only. But they have ignored my requests and at times call me more, which includes sending me text messages after the phone calls. The harassment is so excessive, and it adds to the stress I am dealing with without their harassment. Their tacts for collecting debts that might be one day late are outrageous and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts, which have been inaccurately reported on my credit reports by XXXX, TransUnion, and XXXX. These accounts are not mine, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX I would like to bring to your attention that these unauthorized accounts have violated my rights under the FCRA as follows : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : According to this section, I have the right to privacy regarding my personal credit information. The reporting of these unauthorized accounts on my credit report breaches this right, as I did not consent to their inclusion.

Furnishing of Accounts Without My Written Instructions ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided any authorization or instruction for these accounts to be reported under my name. 

These violations have caused significant distress and potential harm to my financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized accounts are removed from my credit reports. Additionally, I request that any necessary corrective action be taken against the responsible parties to prevent future violations of my rights. 

Enclosed with this letter are copies of my credit reports from XXXX, TransUnion, and XXXX, highlighting the unauthorized accounts. I have also included any relevant correspondence that may assist in the investigation. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and uphold the protections guaranteed to me under the FCRA. Please feel free to contact me if you require any additional information or documentation. 

Sincerely,

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTACHED IS A CURRENT AND ACTIVE LAWSUIT ON FILE FOR EQUIFAX DUE TO WILLFUL NON COMPLIANCE OF FEDERAL LAWS THAT PROTECT MY RIGHTS AS A CONSUMER. 15 U.S. Code 1666B : The law clearly states that a creditor may not treat any payment on an account under an open-end consumer credit plan as LATE for any purpose, unless they send the information in section 1637B. Equifax re-investigation DOES NOT PROVIDE THE PROCEDURES IN THE RE-INVESTIGATION. IT only states updated and verified. The re-investigation should have detailed information and proof that the creditor mailed off the information listed in 1637B 21 Days before the payment was due. I have requested a description of the investigation procedure 15 U.S. Code 1681i ( 7 ) several times with no evidence of a true re-investigation.

Pursuant to Fair Debt Collection Practices Act " Late payments must be validated prior to them being placed on a credit report '' This is willful failure to comply with the law and this makes Equifax criminally liable for actual, statutory, and punitive damages due to my rights being violated under FCRA.

15 U.S. Code 1681 ( G ) ( A ) 1 : The law says there is a description of the procedure attached to my file and I have the right to request all of the information in the file and Equifax has failed to do so. 

15 U.S. Code 6802- Obligations with respect to disclosures of personal information.

Transactions are payment histories, hard inquires, new open accounts, student loans, and charge offs are all personal information. This law protects my rights from any non-affiliated 3rd party company. Equifax is a non-affiliated 3rd party company reporting my personal and nonpublic information in their database without my consent. Nonpublic information means personal identifiable information. I would like to have documents and disclosure forms stating that I gave Equifax the right to report my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX and XXXXXXXX XXXX XXXX have already deleted and removed from My credit reports as the accounts do not belong to me. Transunion has refused to remove them even when provided with accurate information along with multiple other accounts theyve been asked to correct. Attached are XXXX  results for the files thats Transunion fefuses to look at

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$940.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$490.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$140.00} Account Name : XXXX : Account Number : XXXX : Balance : {$670.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$370.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2800.00} Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$290.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX : Balance : {$400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$880.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Since the establishment of this loan in XX/XX/year>, there has been confusion regarding the holder of its rights. I was advised to consult a mortgage fraud auditor for a review of the loan. However, interpreting this audit is challenging as SPS refuses to disclose any information. Assistance in reviewing the attached file would be appreciated. 

SPS LOAN # XXXX Since the inception of this loan in XX/XX/year>, I have been misled about who holds the rights to it. I was directed to a mortgage fraud auditor to review the loan, and I am uncertain about how to interpret this audit, as SPS will not disclose any information.

please help review attached file SPS LOAN # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Tuesday XXXX XXXX between XXXX I received 3 consecutive email confirmation for 3 orders placed online through my personal rewards member XXXX XXXX account at a XXXX XXXX located in Washington DC. The email also contained the address where the food was to be delivered by XXXX and a contact phone number for the person who placed the order. Apparently the XXXX XXXX website saved my debit card on file from the last time I ordered food from there at my location here in XXXX. The person who ordered the food somehow hacked my XXXX XXXX account. I emailed XXXX XXXX customer service and they've agreed cooperate with any investigation. I was at work ( here in XXXX XXXX XXXX Tx ) at the time this happened. I submitted a claim to Regions Bank which they closed and denied the very next day without asking me anything. I never even got a confirmation email that was received which is standard practice. Regions still hit me with an overdraft fee for each of those fraudulent transactions even though a dispute had already been submitted for them. When I called the bank to complain about the charges, is when I learned they closed and denied my claim without any investigation which should also be a standard practice being that it is a dispute. The representative told the reason it was denied is because I did not dispute transactions I actually made at my XXXX XXXX a month or 2 ago. OBVIOUSLY ITS BECAUSE THOSE ARE LEGIT PURCHASES I MADE GENIUSES! And it was not even a question on their online dispute form! It never asked about other transactions with XXXX XXXX from last month. If that information was pertinent to the claim decision, then it should have been asked! In addition, the online dispute form does not have a way to upload information. I had the email confirmation for the orders that were being delivered to someone in Washington. I have my timecard which shows I was working at the time!! But you didn't ask for anything!! Then just closed my claim and charged me {$160.00} for the overdraft those transactions caused me!! Talk about predatory!! You should not be allowed to add overdraft fees on transactions that have been disputed!! And you seriously need to update your online dispute form! There's nowhere to upload documents and your free text box to enter additional details has a character cap so you can't even fully explain everything in that text box! Your bank needs to be fined for this! Now when my direct deposit goes in on Wednesday, I'll be short {$160.00} because of your predatory fees!!

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 monetary relief
Consumer complaint received 2024-08-10 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts, which have been inaccurately reported on my credit reports by XXXX, XXXX, and Experian. These accounts are not mine, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I would like to bring to your attention that these unauthorized accounts have violated my rights under the FCRA as follows : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : According to this section, I have the right to privacy regarding my personal credit information. The reporting of these unauthorized accounts on my credit report breaches this right, as I did not consent to their inclusion. Furnishing of Accounts Without My Written Instructions ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided any authorization or instruction for these accounts to be reported under my name. These violations have caused significant distress and potential harm to my financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized accounts are removed from my credit reports. Additionally, I request that any necessary corrective action be taken against the responsible parties to prevent future violations of my rights. Enclosed with this letter are copies of my credit reports from XXXX, XXXX, and Experian, highlighting the unauthorized accounts. I have also included any relevant correspondence that may assist in the investigation. Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and uphold the protections guaranteed to me under the FCRA. Please feel free to contact me if you require any additional information or documentation. Sincerely,

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