vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: Torres Credit Services, Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX, XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage was sold to Carrington Mortgage Services llc and it has been absolute chaos since. Under RESPA, I was never informed by either the original mortgage company or Carrington. The first piece of mail I received from Carrington was a late fee notice! On XX/XX/24, Carrington sent a man to my residence to see if anyone is living in the residence. He said it was because of payment delinquencies ; but this is erroneous because Carrington 's records are all wrong. Carrington still reflects that I am over XXXX XXXX  in arrears for Escrow, has my monthly payment amount wrong AND is holding over {$1800.00} of my money in some obscure account called " unapplied funds '' despite consistent communication that this is unlawful ; it should be applied toward my Principal or returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XXXX XXXX had an issue with applying for a XXXX XXXXXXXX XXXX XXXX doesn't give you any info if they have received or are processing the request for a XXXX XXXX and use a QR code. I then had to spend hours on the phone and ended up with EQUIFAX speaking to XXXX who was very helpful in freezing my account and updating my INFO. 
SHOCKED that my DOB was wrong and other stuff and at XXXX had never had an issue and never pulled any info due to issues with credit score etc so I never bothered. Meanwhile, I have multiple applications over the years for credit and never a problem due to the source checking all the facts and the last being XXXX XXXX XXXX with this video on my phone of my profile etc - saying my SSN over the phone where people could hear and other sensitive info. So that was earlier this year and buying a car in XXXX so something should FLAG THIS and be verified if there is a mistake and just gets overlooked? 
Meanwhile I get turned down basically for this instant XXXX credit per se. SINCE I was informed by text that XXXX XXXX XXXXXXXX approved a credit app for XXXX XXXX XXXX XXXX and called them and had it removed. I then called EQUIFAX- they show the XXXX XXXX XXXX and I advise of a credit text from XXXX XXXX this isn't showing up on my report so guessing my XXXX was hacked or the QR is hacked. There is a multitude of issues, but just starting with my EQUIFAX problem for now, I received XXXX letter today and wants me to call within 14 days. I'm not sure why they can't process in store but using phone isn't safe with QR. We need to stop this process. Many hours on phone and no one really cares and now I know I need to check my credit report for accuracy. Also my score is down so how do they know what my income is. I'm married so no questions or info verification is shown and guessing they look at my SSN. This is too confusing since I don't have a single blemish on my credit and I'm not overextended as I pay off everything and really isn't very clear to me what these standards are. Not pleased with their assessment of my credit. Used to be in XXXX XXXX I did apply for this in my name only as well as the furniture so not clear on that issue either,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: AZ

Complaint narrative:
To whom this may concern, I am delighted to notify you that you have infringed against my consumer rights! Please be aware that ONLY fair and accurate reporting is necessary for the financial system to function! According to 15 USC 1681 ( 1 ), disclosing false and unfair credit reporting information erodes public trust. 

I would want to inform you that not only have YOU taken on a significant part in assessing my credit report, but you have also ensured that you respect my right to privacy! You must not disclose any transactions or interactions between me and the person filing the report at all, since I have the right to privacy. Communication with others on shared ownership can only occur if it is distinctly and unequivocally revealed 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 explanation
Consumer complaint received 2024-07-20 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: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 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 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 XXXX 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

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. 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 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 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 XXXX 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

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, an unauthorized withdrawal was made from my TD Bank checking account of {$900.00}. On the same day I went to a TD Bank branch to ask about what this transaction was about and how it was made without my knowledge. The manager of the TD Bank told me that someone with my Driver License ID was able to withdraw the money even though they didn't have my bank card. I proceeded to freeze all of my accounts and lock my cards. 
Soon after on the evening of XX/XX/XXXX, I received another call from TD Bank that said the perpetrator that had stolen my identity attempted to withdraw more money from my Checking account from a different branch. Seeing as how my account was already flagged for potential fraud they withheld the ID that the perpetrator used. They told me that the person somehow had a real copy of Driver License card. It seems that my identity was compromised, but I was shocked at how relaxed the verification process at TD Bank was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 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: PA

Complaint narrative:
I saw that my credit report has some inaccuracies. For instance, I saw that there were inaccurate accounts on there. I don't have any idea why those were reporting as mine so please check the documents I've sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

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 2024-07-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
That card was not used for months ; it was empty at {$0.00}. All of a sudden they start calling and emailing the I am past due. When I look to see why they started charging me {$5.00} dollar monthly fees. When I noticed I paid and closed the account No purchases were made and the card was empty for months. The have fought me for years on this without providing me the email with the change of terms ; and as usual you take there side. I have no late payments to XXXX or it creditor. The funny part is only one credit beurue took them upon there selves to make it right with a proper investigation.

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 2024-07-20 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: PA

Complaint narrative:
I have noticed some inaccurate accounts from my credit report. I don't have any idea why because I did not in any way authorized them to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: NY

Complaint narrative:
Dear XX/XX/XXXXXXXX, DISPUTE AND NOTICE OF INTENT TO ARBITRATE I am writing to respond to your XX/XX/year> letter and to reiterate my dispute regarding the inaccurate information reported to the credit bureaus. I also notify you of my intent to initiate arbitration proceedings pursuant to our agreement. 

ATTEMPTS TO CONTACT Your letter claims attempts were made to contact me by phone and email. However, 15 U.S.C. 1666b explicitly requires mailed disclosures, specifically stating that " a creditor shall furnish a clear and conspicuous written disclosure '' to the consumer. A phone call or email does not satisfy this requirement. To comply with the law, you must provide evidence of mailed disclosures, including a tracking number for certified mail. 

DAMAGE TO REPUTATION Your company 's inaccurate reporting has damaged my reputation, resulting in credit denials and significant time and money spent disputing this fraudulent account. 

REQUEST FOR PROOF I reiterate my request for proof of proper disclosures and investigation procedures, as mandated by 15 U.S.C. 1681s-2. Your failure to provide such evidence will be held against you. 

VIOLATIONS AND DAMAGES Your company has willfully violated the FCRA, resulting in multiple damages. I will pursue these violations under 15 U.S.C. 1681n and 1681o, with damages of {$1000.00} per violation. I have counted over five violations, totaling {$5000.00} in damages. 

ARBITRATION I will initiate arbitration proceedings if this matter is not resolved within the next 15 days. Your company will be responsible for covering all filing fees and costs associated with arbitration, as per our agreement

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 2024-07-20 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: WI

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-20 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: WI

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: PA

Complaint narrative:
I saw that my credit report has some inaccuracies. For instance, I saw that there were inaccurate accounts on there. I don't have any idea why those were reporting as mine so please check the documents I've sent.

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