vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year>, I was contacted by a Merchant in regards to an account balance that was in my name that needed to be paid. I tried to get as much information as possible out of them but was told they didn't have it to send. I paid the balance off of {$3900.00} on my Citi Credit card. After doing some research about the company, I thought I had been a victim of fraud, and disputed the claim. On XX/XX/XXXX, the merchant reached out to me and asked what happened with the charge back, and I explained that I thought it was fraudulent, and that I requested the charge to be canceled. They then provided all of the documents to me showing that it was mine and that It was valid. I let my Credit Card company know this and to stop the dispute and let it go through. The merchant ran my card again, and now there were XXXX transactions on the card for the same balance. When speaking to the merchant they said to cancel the second charge and that they were going to take the original, so I contacted my credit card company to do so. Because of this second charge cancellation, the merchant refused to take any money from my card and sent XXXX charge-back refunds to my account to be processed. 

I spoke with an agent in XXXX on a three-way conversation with the merchant and credit card dispute team, and the merchant explained that they were no longer accepting the XXXX transactions, and the chargebacks were sent to be refunded to me. I then was told that this could take XXXX business days to do so. I received XXXX of the refunds on the account but still a month and a half later have not received the other. This is affecting my credit score, credit utilization, and minimum payment due, and am collecting interest daily. Below are the dates and agents who have actively been on my account since the first dispute was opened. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( email ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX reference time provided ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX letter sent ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Email attempt to merchant XX/XX/XXXX Email sent XX/XX/XXXX Email sent XX/XX/XXXX Email sent about dispute XX/XX/XXXX Email sent about dispute XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( chat ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Email sent about dispute XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dispute initiated online XX/XX/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 monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: U.S. BANCORP
State: FL

Complaint narrative:
Loan was originated by XXXX XXXX in XX/XX/XXXX, it had come to my attention that the loan was then purchased by US BANK HOME MORTGAGE I have sent multiple letters dated back in years XXXX, XXXX, " no answers given '' validating the requests. Most recent letters sent XX/XX/XXXX NOTICE AND DEMAND FOR FULL DISCLOSURE, XX/XX/XXXX ACTUAL NOTICE OF FAULT SECOND NOTICE, XX/XX/XXXX NOTICE OF ADEQUATE ASSURANCE OF DUE PERFORMANCE, XX/XX/XXXX, NOTICE AND DEMAND all letters were sent certified with returned receipts. They have in fact signed and received said documents. Pursuant to the Fair Debt Collection Practices Act 15 USC 1601-1692 which constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay. US BANK HOME MORTGAGE has declined to answer any letters that I have sent. I am demanding that they provide me with all documents. According to 15 U.S.C. 1692 ( e ) states that a " false, deceptive, misleading representation in connection with the collection of any debt, '' includes the false representation of the character or legal status of any debt and further makes a threat to flag any action that can not legally be taken as a deceptive practice. I have also come to my attention of the alleged Borrower, after consulting with a CPA and researching the United States Code, the corresponding Code of Federal Regulations, the Uniform Commercial Code, and certain Federal Reserve Bank Publications, that there is reason to believe that the alleged Lender is not the Holder in Due Course of the Borrower 's loan agreement and or may have breached the agreement concerning the above - referenced, alleged loan or loan of credits. Failure of this company to answer my notices tells me that they have acknowledged that I have funded the alleged loan and the loan agreement was stolen and forged, thus ending any claim they have against me.

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 2024-07-30 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: CBC Companies, Inc.
State: TX

Complaint narrative:
According to 12 CFR 1016.1 I am able to prevent a financial institution from sharing information with third parties. I have opted out of reporting with XXXX XXXX and XXXX XXXX. Therefore your company does not have the legal authority to report this information on any consumer report. 

The Privacy Act of 1974 states that no agency shall disclose any record ( which includes financial transactions ) except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Additionally, the CARES Act states that no consumer reporting agency shall report an adverse item about the consumer during a covered period. XXXX XXXX was reported during a covered period which is a direct violation of this Act passed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The school has recently been found guilty in the XXXX class action lawsuit. 

I was XXXX when I took out the loans as I was pressured into taking them after being told I wouldn't be able to graduate. The advisors at this school used predatory lending tactics, and my parents should have been included in these conversations. At the time I was very young, naive, and desperate to pursue a career after growing up in poverty. They most definitely took advantage of that. There is also documentation that has forged my signature. XXXX XXXX XXXX among many other for-profit colleges manipulated thousands, if not millions of students and there needs to be accountability. 

Years ago before many advocacy groups took action I tried retaining a lawyer to fight these private loans to no avail. I have hope that with the school closing and the acceptance of their guilt in my federal loans, I can seek relief for these as well. The same actions that made me eligible for forgiveness in my federal loan should apply here. There should be no institutions that are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: GA

Complaint narrative:
someone has been trying to purchase a car in my name. its XXXX inquiries on my credit report that i didnt authorize. im also a victim of Equifax data breach and Equifax is the worst to remove these inquiries. i have sent documents for over XXXX months and they refuse to remove these item.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C System INC account # XXXX I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. 
Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification.

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 2024-07-30 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: HW Holding, Inc
State: AL

Complaint narrative:
Greetings sir/madam, Once again XXXX of your credit agencies, XXXX, keeps allowing third party debt collectors to furnish false and inaccurate reports to my consumer file without verifying if they have proper WRITTEN CONSENT FROM THE CONSUMER PER 15 USC 1681b `` PERMISSIBLE PURPOSES '' ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

~ ( 2 ) Disclosure to Consumer. 
( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. XXXX -- - ( Key ) XXXX XXXX " XXXX XXXX XXXX XXXX has furnished a false report to my consumer file, knowing I never given them written consent to furnish anything on my report. 
( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( XXXX ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; All of a sudden XX/XX/XXXX A random collection for {$400.00} has been added and I have never signed any agreement with this company nor given them written consent. 
They have harassed me, emailing me etc. I have no ties nor contract with XXXX XXXX XXXX. It's time to start holding these agencies responsible because by LAW in order for information to be accurate it must BE IN WRITING IN THEIR DATA! Sick of these corporations fooling consumers like people doesn't know the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX XXXX XXXX BANK XXXX 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 in XXXX  days to be removed. 


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


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


XXXX, XXXX XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Delete the late payments from my consumer reports 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 2024-07-30 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: AZ

Complaint narrative:
To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report.

The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Delete from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Delete from my credit 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX Creditor : XXXX XXXX : {$700.00} XXXX sent a debt validation letter to XXXX XXXX XX/XX/2024 via certified mail ( XXXX ). In this letter, I requested proof of the debt they claim I owe. As of today, XX/XX/2024, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since XXXX has failed to do so, I am requesting that this item be removed from my credit report immediately.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX account # XXXX I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within XXXX  days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. 
Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within XXXX  days, then you are excused from verification.

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 2024-07-30 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: CA

Complaint narrative:
I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance. 

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, 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 2024-07-30 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: WELLS FARGO & COMPANY
State: MD

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 account listed without my expressed written consent.

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