vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: IN

Complaint narrative:
After reviewing my credit report, I noticed late payment errors inconsistent with my typical payment record. Please amend these discrepancies and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: MO

Complaint narrative:
last reported XX/XX/year> by IC SYSTEM. 
Asked them to provide the original debt with my signature, they were unable to provide this, or the account number for this account. I asked them to provide what type of debt it was, and they were unable to provide that information to what the debt is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NY

Complaint narrative:
In XX/XX/2024, I noticed a collection account from XXXX XXXX XXXX on my credit report, alleging I owed {$510.00} in back rent to my former apartment complex, XXXX XXXX XXXX. Upon my move-out, I had settled all balances, and no outstanding amount was due. I believe this collection is fraudulent and an overcharge. 

On XX/XX/2024, I sent a formal letter to XXXX XXXX XXXX requesting verification of the debt under the Fair Credit Reporting Act ( FCRA ). After receiving no response, I followed up with another letter on XX/XX/2024, again requesting verification. To date, I have not received any communication or documentation substantiating the debt. 

In addition, when I contacted XXXX XXXX Internationals help desk, I was informed that my requests had been received but that no verification could be provided. I was directed to contact their Compliance Department, which I have done twice without receiving any response. 

Given the lack of verification and documentation, I am disputing this debt and requesting its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
[ XXXX LLC C/O XXXX A XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ SQUARE ] [ SQUARE INC XXXX XXXX : Formal Notice of Violation of Merchant Consumer Rights and Demand for Amicable Arbitration Dear [ SQUARE INC XXXX XXXX I am writing to formally address the illegal deactivation of my Square account associated with your services and to demand the immediate reinstatement of my account. The deactivation occurred without appropriate notice or a factual basis, constituting a violation of my consumer rights as a merchant. 

On [ XXXX ], my Square account was deactivated without any prior warning or explanation adhering to the terms and conditions outlined in our agreement and applicable law. Notably, just XXXX hour prior to the deactivation, I had spoken with a representative to verify and correct my account information. During that conversation, there was no mention of any infringement on agreement terms or any issues that would warrant such drastic action. 

This arbitrary decision has not only disrupted my business operations but has also resulted in the misappropriation of funds held in my account. 

Under relevant consumer protection laws and the guidelines established by Square, I believe this action is both unjust and illegal. I kindly request a detailed explanation of the reasons behind the deactivation, as I have not received any substantial or factual justification for this action. 

Furthermore, I demand an amicable arbitration process to resolve this matter effectively and efficiently. It is in our best interest to resolve this dispute without further escalation. 

Please respond to this letter within [ 14 days ] of receipt with the requested information and confirmation of the arbitration process. If I do not receive a response, I will have no choice but to consider further legal action to protect my rights as a consumer and seek recovery of the funds inappropriately withheld. 

Thank you for your immediate attention to this matter. I look forward to your prompt reply. 

Sincerely, [ XXXX LLC ] C/O [ XXXX A XXXX ] [ CEO ] -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request that all fraudulent accounts listed below be immediately blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a data breach resulting in unauthorized use of my personal information. The following accounts are fraudulent : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX of XXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$21000.00} XXXXXXXX XXXX  - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$8100.00} XXXX XXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$18000.00} XXXXXXXX XXXX XXXX  XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$9200.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We are filing a complaint against Loan Depot and their Loan Consultant XXXX XXXX XXXX # XXXX due to negligence, deception regarding rate lock, failure to uphold agreed terms, and failure to disclose crucial information causing substantial financial loss totaling {$170000.00} in additional interest. 

During our initial discussions with the lender, we were assured of specific terms and incentives, with the understanding that our interest rate would be under 6 %. However, when documents came in for e-signing it showed fees and rates that didnt align with what we were promisedand there was no communication about these discrepancies or the latest rate of 6.5 %. 

When we raised this with our loan officer, she told us the documents werent official and we didnt need to sign them, which we didnt. This raised a red flag, as it became clear she had not been transparent with us. Despite promises, the rate never lowered to the agreed 6 %, nor did we receive updates on rate changes. Concerned, we reached out to XXXX XXXX XXXX, which offered us a pre-approval for a 6 %, 30-year fixed loan. We took this to Loan Depot, and XXXX XXXX promised to match or beat it, ultimately offering us a 5.99 % rate. We confirmed we would move forward and promptly signed all documents she sent ( XX/XX/24 ). 

Following this, we received no updates from the lender until 17 days before closing ( XX/XX/24 ), when my fiance got a call saying the rate was now 7.37 %, and we needed to lock it in. We were shocked, as we had been led to believe that the 5.99 % rate had been secured, which was the sole reason we stayed with Loan Depot. At that point, the credit union did not have sufficient time to underwrite the loan, leading us to believe our loan officer intentionally delayed communication, waiting until it was too late for us to work with another credit union. 

She was negligent in not locking in our rate claiming it was too soon even though we were only 39 days out from closing. She did not disclose that we could extend the rate lock, did not inform us the rate was not locked in, and did not disclose that rates were climbing over the course of those 21 days. 

Given the misleading actions of our loan officer, we ultimately decided not to proceed with Loan Depot. We found another lender who could underwrite the loan in time, but the final rate secured was 7.125 %, a significant increase due to the actions of Loan Depot. 

The complete negligence and failure to disclose information completely took away our autonomy throughout this process and has left us paying an additional {$500.00} a month in pure interest totaling roughly {$170000.00} over the course of our 30-year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ). I am exercising my right to challenge and correct any inaccuracies in my consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XXXX, XXXX, XXXX, I contacted Equifax in reference to there inability to provide XXXX  XXXX representative, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Tel : XXXX XXXX XXXX, Fax : XXXX XXXX XXXX, cell : XXXX XXXX XXXX, email : XXXX. 

This was in reference to a consolidation loan tha was initiated in XXXX for processing. For reasons unbeknownst to me, Equifax Credit Reporting Agency, willfully, and intentionally elected to not provide the necessary information to move forward on this loan. Equifax was contacted via telephone by XXXX XXXX representative, XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXXXX, to inquire as to obtain the necessary information to move forward on this matter. It should be noted, that this was a three-way telephone conversation to which I participate in, and provided any/all necessary information to substantiate the truth of the matter being asserted. 

As of this date, Thursday, XX/XX/year>, Equifax Credit Monitoring has resisted to provide the necessary information to move forward in reference to this consolidation will, thereby costing me possibly additional costs in reference to the interest rate. Their delay could cause the interest rate to increase substantially, thereby costing several thousands of dollars in the life of the loan. 

I and on the belief, that this is willful, intentional, retaliatory, and could be possibly discriminatory against Hispanics as a whole. They again, it could be gross negligence, substandard training, substandard performance, substandard supervision, incompetency, and the inability to perform the essential functions of the job. 

I am requesting your assistance regarding this matter, I am hopeful that your office will act expeditiously to resolve this issue as soon as possible. It should be noted that Equifax Credit Monitoring, did request a photocopy of my California drivers license, and Social Security card, which I copied immediately, and sent it USPS, United States Postal Service overnight express, and requested that it be signed for so that Equifax Credit Monitoring could not state that somehow it was misplaced, lost, or destroy. 

It should be noted, that I have the ability to contact the FBI, The Federal Bureau of Investigations Civil Division, regarding Discrimination and Violation of Title 15, the Civil Rights Act. 

I await your response, ____________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Re : Violation of FDCPA Rights and Misinformation on Credit Report To Whom It May Concern, I am writing regarding your recent reporting of a debt to the credit bureaus that has appeared on my credit report. I believe Midland Credit Management is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Firstly, I have not received any statement or communication from Midland Credit Management providing a detailed validation of this debt. Under the FDCPA, I have a right to obtain verification of the debt, yet I have not received sufficient documentation confirming the validity or ownership of the alleged debt. Your failure to provide this information, despite my requests, infringes upon my rights to debt validation. 

Additionally, it appears that you have reported inaccurate or unverified information about this debt to the credit bureaus. Under the FCRA, you are obligated to ensure that only accurate and substantiated information is reported on my credit file. Reporting unverified debt information causes significant damage to my credit rating and is a violation of FCRA standards. 

Therefore, I respectfully request that you : 1. Immediately cease all collection efforts on this debt until proper validation is provided. 
2. Remove all inaccurate or unverified information regarding this debt from my credit report until its validity can be confirmed. 

Please respond within 30 days with written verification of the debt, including all relevant details of the original creditor, the debt amount, and any agreements related to the alleged obligation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: MN

Complaint narrative:
It has come to my attention multiple Inquires were made without my knowledge. 

XXXX 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/2024 I have contacted both XXXX and Banks and have reach no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate. 

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.

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