vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-01-03 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:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

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 2025-01-03 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: OH

Complaint narrative:
Re : Dispute of XXXXXXXX XXXX XXXX XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate and unlawful reporting of the above-referenced XXXXXXXX XXXX XXXX XXXX account on my credit report. This company is in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and is engaging in misleading, false, and deceptive practices that infringe on my rights.

1. Failure to Provide Validation of Debt : Under 15 U.S.C. 1692g, I have the right to receive proper validation of the alleged debt, including details regarding the amount owed, the original creditor, and supporting documentation to substantiate their claims. Despite my attempts to resolve this issue directly with XXXXXXXX XXXX XXXX, they have failed to provide the required validation, yet they continue to report a charge-off on my credit report. This failure violates federal law. 
2. False and Deceptive Reporting : Reporting a charge-off without validating the debt or providing supporting documentation is a misleading and deceptive practice. This is a clear violation of my rights as a consumer and contradicts the standards set by the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

As a consumer, I am entitled to {$1000.00} per violation of my rights under the FDCPA. XXXX continued failure to validate the debt and their deceptive reporting practices constitute multiple violations. I demand that these accounts be removed from my credit report immediately or that I be compensated as per federal law. 

I have made good faith efforts to resolve these issues directly with XXXXXXXX XXXX XXXX but they continue to disregard my rights. Therefore, I am requesting that the credit bureau take immediate action to investigate this matter and correct my credit report. 

Under the FCRA, you are required to conduct a prompt and thorough reinvestigation of disputed information and notify me of the results within 30 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this account or a resolution that is in compliance with federal law. You may contact me at [ XXXX ] or XXXX if further information is required. 

Sincerely, XXXX XXXX [ Last Four Digits of SSN XXXX XX/XX/1992 Let me know if youd like additional edits or enhancements.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX contacted me on or about XXXX to verify two charges of {$2800.00} and {$2800.00}. I told them no, the charges were not mine nor had I ever ordered anything from the vendor they referenced ( I later determined this vendor sells gold and silver coins ). 

AMEX reversed one of the charges in my XXXX statement and the second in my XXXX statement. I thought that was the end of this. 

Then in XXXX AMEX informed me that they determined that I gave the vendor my card number and the charges were valid. They did this without any further information from me. I have called them many times and have been repeatedly told that this decision is final and to pay the bill. I HAVE REPEATEDLY TOLD THEM THESE ARE NOT MY CHARGES, AND IF THEY ARE PLEASE PRODUCE THE INFORMATION VERIFYING THAT I ORDERED AND RECIEVED WHATEVER MERCHANDISE THEY ALLEDGE I PURCHASED. I know they can not as this was a fraud! 

The charges now again appear on my bill in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Good Afternoon : My last mortgage company sold my loan to Freedom Mortgage. I have owned the home since XXXX My current status with my loan is it is fixed rate at 3.75 percent. I do not escrow. Never Have. I pay my property taxes, my flood, my windstorm and liability with the same company since i purchased the home in XXXX This company is XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX is pres. I have maintained in good standing all my insurances required since day one with XXXX XXXX XXXX My property taxes are paid and current. When my last company sold my mortgage to Freedom Mortgage company, I started receiving harassing letters about my insurance and I should get a quote from freedom mortgage insurance. I explained countless time I was well insured and happy with my current provider of 13 years. Then I got letters stating I had no insurance!! When I received the letters I forwarded to my insurance broker/XXXX XXXX XXXX They sent faxes and emails proving I had more than excellent insurance. Well, the letters kept coming. Demanding I prove insurance or they would out forced insurance in place. My insurance company, literally sent 10-15 emails and faxes to the dept. requesting proof. We responded literally 20 times with calls to follow. Now placed forced insurance on a home that does not require escow as per original mortgage agreement. They say I owe then, {$13000.00} and change towards some new policy they put in place. I have called them countless times, and they hang up on me. My insurance broker said I should file a complaint. I looked on line last night and saw they have multiple federal lawsuits and millions of dollars in fines for their corrupt activities. I have paid additional $ XXXX {$400.00} a month on my principal on my XXXX XXXX month mortgage. I have never had late pay and my credit score is exceedingly high. I have maintained the proper insurance on my house since XXXX  Freedom mortgage is criminal, and corrupt. I don't own them a XXXX for escrow. My insurance broker had gone way beyond to solve this issue. He is as frustrated as I am. Please help me. Freedom mortgage is not a ligimate company otherwise they would have accepted one of 20 emails and faxes proving I have had insurance in place since XXXX. I am asking my insurance broker to send me proof of emails and all corespondence to Freedom Mortgage. When I call they give me run around and then hang up. I was paying my XXXX Month Mortgage, and when I logged on they have now forced insurance and say I owe {$13000.00}. Please, for the love of god, make them remove the forced insurance and escrow.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
To whom may concern, please be advised I have been discussing mortgage assistance options with specialized loan servicing from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate specialized loan servicing for their practices in general and in specific with mortgageassistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Bank of America regarding an improper offset and the handling of credit card debt related to my XXXX  The bank withdrew funds from my private account to settle my XXXX  credit card debt without prior notice or proper justification, causing financial distress and additional penalties. 
Details of the Situation : 1. Background : o I hold two accounts with Bank of America : a personal account and an account for my XXXX. 
o My XXXX, which I XXXX XXXX XXXXXXXX to the USA, experienced limited turnover, leading to an outstanding credit card balance of USD XXXX. 
o After transitioning to full-time employment, my plan was to balance the XXXX account and subsequently retire the XXXX. 

2. Offset Actions Taken by Bank of America : o On XX/XX/year>, Bank of America withdrew USD XXXX from my private account without notice to cover the XXXX credit card debt. 
o This withdrawal left my personal account nearly empty, making it difficult to pay bills. For each autopay payment that could not be processed, the bank charged me a USD XXXX fee. 
o A second offset of USD XXXX was made on XX/XX/year>, to cover the remaining credit card balance. 

3. Improper Process and Communication : o I visited a Bank of America branch to address the issue, and the bank employee contacted their headquarters while I was present. However, the response from headquarters was dismissive and repetitive : " We are entitled to do so. '' o I raised concerns that this offset might violate current laws separating personal and XXXX financial liabilities. The banks response became increasingly unfriendly. 
o When I suggested that the bank should have contacted me via email or phone before taking action, I was told they were not obligated to do so, despite the bank routinely contacting me to market other financial products. 
o Even the branch employee assisting me appeared frustrated by headquarters ' unwillingness to engage and suggested submitting an internal complaint about the interaction. 

Consequences of the Banks Actions : The withdrawals caused significant financial hardship, including : o Inability to pay personal bills on time. 
o Accrual of additional fees.

o Damage to my credit score. 
As my private account and the XXXX account are legally separate entities, I believe these actions were improper and possibly unlawful.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> U.S. Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX, responded with a letter stating that they did not report anything in public records. a copy of the letter was sent to XXXX, XXXX and Transunion for removal according to violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. That would also include Childsupport enforcement account # XXXX ; US BKPT CT XXXX XXXXXXXX Docket # XXXX ; US BKPT CT XXXX XXXXXXXX Docket # XXXX I request that the items be deleted from the credit report and updated immediately. 
In addition, there are also collections and charge offs being reported they are inaccurate Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> U.S. Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX, responded with a letter stating that they did not report anything in public records. a copy of the letter was sent to XXXX, Equifax and XXXX for removal according to violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. That would also include Childsupport enforcement account # XXXX ; US BKPT CT XXXX XXXXXXXX Docket # XXXX ; US BKPT CT XXXX XXXXXXXX Docket # XXXX I request that the items be deleted from the credit report and updated immediately. 
In addition, there are also collections and charge offs being reported they are inaccurate Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: GA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
On XX/XX/XXXX a letter was mailed to my mother 's home not my home and threaten to sue me for debt from a dealer that sold me a lemon car. the Minnesota Attorney General sued the car dealer XXXX XXXX XXXXXXXX XXXX XXXXXXXX for selling consumers lemon cars and furthering damaging their credit even more. XXXX XXXX XXXX of XXXX sold me a XXXX XXXX around XXXX of XXXX. The engine immediately went out and was recalled. I lost my job and further damaged was done to my credit picture that I was trying to rebuild. Messerli & Kramer Attorney XXXX XXXX XXXX # XXXX has pursued to sue me in XXXX XXXX XXXX courts on behalf of XXXX XXXX XXXX when the debt should have been wrote off because the XXXXXXXX XXXX XXXX XXXX XXXXXXXX was furthering more harm on those that had little to no credit so much that the Minnesota Attorney General sued the dealer on behalf of consumers. However, I informed this aggressive debt collect by certified mail. However, he is still pursuing to sue me over debt that legally should have never been taken out because the product sold was a lemon with an engine that went out shortly after purchased and before the first car note was due. I'm experiencing low income and this law suit will further cause me financial harm when as the consumer the product should have never been sold with a bad engine. I've tried to help myself with this matter and I'm hoping the CFPB can help. I have 21 days to respond before Messerli & Kramer file in the courts to sue me over debt XXXX XXXX XXXX owe for fraud & selling lemon cars to consumers. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CT

Complaint narrative:
I Was a victim of identity theft which resulted in many fraudulent accounts being opened up in my name including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts that were listed above were opened without my permission and I demand it be removed from my credit file.

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