vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX XXXX XXXX Enclosures : FTC REPORT, 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 2024-11-25 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: 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.

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 2024-11-25 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:
Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Alleged Owed : {$2000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount Alleged : {$190.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Alleged : {$1400.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Alleged : {$1200.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action. 
Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. 

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately. 

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, 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 2024-11-25 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: CA

Complaint narrative:
I am reaching out to address multiple unauthorized inquiries on my credit report, which I believe to be fraudulent and potentially linked to identity theft. Upon reviewing my report, I noticed several inquiries from companies I have not interacted with, and I have not applied for new credit or given consent for these checks. I previously disputed these inquiries, yet they remain on my credit report, which is unacceptable. Their continued presence raises serious concerns about the security of my personal information and the potential misuse of my identity making me really 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 2024-11-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Violation of Consumer Reporting Laws by Equifax Dear Sir/Madam, I am writing to formally complain about Equifaxs practices regarding consumer reporting, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws.

It has come to my attention that Equifax has reported information that pertains to my capacity, character, general reputation, personal characteristics, and mode of living without adhering to the permissible uses defined under 15 U.S. Code 1681b. Specifically, I am concerned about the reporting of transaction histories that do not comply with the stipulated guidelines.

According to the FCRA, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances. One such condition is outlined in Section 1681b ( 2 ), which states that a consumer report can only be furnished in accordance with the written instructions of the consumer to whom it relates. It is my belief that Equifax has failed to obtain my consent in this regard, thereby violating my rights as a consumer.

Furthermore, the regulations clearly specify that reports containing information solely pertaining to transactions or experiences between the consumer and the reporting agency should not be disclosed without appropriate consent. The reporting of such transaction history without my explicit authorization is not only unjust but also illegal.

I urge both the CFPB and the FTC to investigate this matter thoroughly and take appropriate action against Equifax for these violations. Consumer protection is paramount, and it is essential that agencies like Equifax adhere to the laws designed to safeguard individuals ' rights. 

Thank you for your attention to this serious issue. I look forward to your prompt response regarding the actions that will be taken. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I received a fraud alert text from USAA. Upon calling, I was informed that I'd have to call on the next business day to speak with someone in the fraud department. The next day I called and was informed that my accounts were closed due to suspected fraud, and that any funds in the accounts at the time of closure would be returned within XXXX  days. XXXX of the XXXX accounts belonged to my children, I had opened them when they were minors. As young adults working their first jobs, USAA also restricted their access. This sudden closure caused financial hardship, as I was unable to access any money, and for ACH withdrawals that were scheduled, I had no way to cancel them. Because I was locked out of my online accounts, I was not able to view my insurance policy documents or make payments online. To date, I have not received an explanation. The fraud department doesn't allow incoming calls ; it was impossible for me to provide a response to their actions.

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 2024-11-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CA

Complaint narrative:
My wife and I started the reverse mortgage process with Mutual of Omaha on or around XX/XX/XXXX. We were in a unique situation : We were living in our house on XXXX XXXX and had it listed for sale. We accepted an offer that included the provision for us to live in the house for XXXX  days to enable us to find another home. We found a home and closed on it within a couple of weeks. This home is XXXX. There were a number of things that we wanted to do to XXXX before we moved in ( redo the kitchen, replace flooring, painting, redo the bathrooms and so on ). We explained our living situation to our point of contact at Mutual of Omaha and we were told that it shouldnt be an issue.

Mutual of Omaha ordered an appraisal which was completed on XX/XX/XXXX. Note : we were still living in house1 when the appraiser came to house2 and took pictures of the inside of the house. We later found out that since we were not living in house2 at the time of the appraisal that it would be an issue with FHA/HUD. We did not move into house2 until XX/XX/XXXX. 
We did not hear anything from Mutual of Omaha until XX/XX/XXXX. Since then Ive been asked to provide additional information that Ive tried my best to compile and send. Some things that I was asked for just dont make sense ( for example : 2 years of insurance payment for a home that we lived in from XXXX to XXXX, but not from house1 ). Ive answered a single question multiple times ( regarding the carpet in the master bedroom as being a trip hazard even though it is stated in the appraisal that the carpet was being replaced on the same day as the appraisal ). The formatting/readability on some of the emails was jumbled and difficult to read. After pointing out the difficulties reading the email, no change in formatting was done. And so on. Its been very frustrating. 
For the past XXXX weeks Ive heard nothing from Mutual of Omaha on the status of our loan. Ive sent texts, emails and left voicemails, but Ive received no response. Not having another contact at Mutual of Omaha, I went on XXXX and sent a message to a VP of Sales. I got an immediate response with the promise that he would contact the correct people and that I could expect to hear from them the next day. Thus far Ive heard nothing and it's been days.

And, we got a letter in the mail from our insurance company that Mutual of Omaha is now a Mortgagee on our home.

If this is the way that Mutual of Omaha treats customers we want no part of it and would like to cancel the loan process. Im coming to you because at this point in time I dont believe that Ill get a response from our points of contact for the loan. 
Can you please assist us to get this loan process cancelled?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WV

Complaint narrative:
I have no recollection of Said Debt with Jefferson Capital Systems LLC and would like to have this Debt removed immediately from my credit file Jefferson Capital reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
The interest rate for this loan is predatory. It is over 650 % and I am not able to log in to my online account

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 2024-11-26 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I recently discovered that I was charged a late fee on my American Express Platinum Charge Card on XX/XX/XXXX due to a missed payment. However, I did not receive any form of notification indicating that a payment was due. I am enrolled in paperless settings to stay updated, but I did not receive any reminders or alerts via text or email. I have thoroughly checked my email inbox and spam folder to confirm this. 

As soon as I became aware of the issue, I made the payment in full today to rectify the situation ( XXXX ) XXXX have always maintained an impeccable payment history on all my credit accounts and have worked diligently over the years to improve my credit. Missing this payment was not intentional, and believe it was directly related to the lack of communication from American Express. 

I kindly request assistance in addressing this matter to have the late fee reviewed and potentially removed, as well as ensuring this incident does not negatively affect my credit standing. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: UT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-25 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: UT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-25 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-25 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: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


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

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! 


Update the late payments from my consumer reports

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