vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS XXXX XXXX XXXX XXXX  - LAST 4 SS XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

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 2023-09-11 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: NY

Complaint narrative:
I am filing a complaint for improper use of credit report. In accordance with the Fair Credit Reporting ACT : these credit reporting agencies Equifax and XXXX has violated my rights. According to USC-15 1681a ( 2 ) ( 1 ) under exclusions - this is illegal and they may not treat a payment late for any purpose ie. document PAYMENTS as late creditors can't make THIS claim. Also 15-USC-1681 Sec- 602 states " I have a right to privacy '' and 15-USC 1681 sec 604a ( 3 ) - a consumer reporting agency can't furnish a consumer report to a user unless there is a permissible purpose and my written instruction. To to do is in direct violation with 15-USC 1681 SEC.604 ( f ). Prohibits any person from obtaining a consumer report from a consumer. These accounts are in direct correlation with the aforementioned FCRA codes that have been violated. This has happened with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
The collection agency got a judgement against me dated XX/XX/XXXX for a {>= $1,000,000}. I disputed debt and asked for proof on the phone back with them XXXX. I told them to stop calling me and I haven't heard from them until now. I got a letter on XX/XX/XXXX for pending income execution for {$24000.00} including interest and poundage from the XXXX XXXX Sheriff for this debt that was never validated by the collection agency UNIFUND CCR LLC. I reached out to the Attorney listed and they gave no information and have not called me back XXXX XXXX XXXX XXXX XXXX in XXXX NY ). The XXXX letter states that I have 20 days to respond to them which is XX/XX/XXXX before the demand payments from my job. I spoke to the over the phone and they said they won't do anything before XX/XX/XXXX because the letters weren't mailed right away. 
I'm fearful that I will get my pay garnished for a something I don't owe this collection agency. 
Any assistance you can offer would be greatly appreciated '

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: TX

Complaint narrative:
recently my information has been stolen and these are fraud 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: CA

Complaint narrative:
I had previously submitted transactions for dispute for over XXXX transactions, in XXXX XXXX. My credit card ( ending in XXXX ) information was stolen in XXXX and upon noticing, I closed the card and filed disputes in XXXX. Most of them were finally credited. However, there are many that are still under investigation and it has been almost XXXX days since the transaction and more than XXXX billing cycles! They had assured me it wouldn't take more than XXXX billing cycles. These transactions are by a merchant called XXXX. They were in sterling currency and done in a different country outside of XXXX. I live in california and have not traveled to XXXX or any XXXX country. The issue is that I submitted for a dispute in XXXX. Since then, there has been no movement on the investigation for the XXXX purchases. I explained multiple times that I did not leave the country and can provide proof. Moreover, you can easily see its fraudulant because there were other charges ON THE SAME Day in california ( where I live ). This should have been an immediate alert. I called them multiple times asking for updates. Most recently, I called them on XX/XX/XXXX and they still haven't completed the investigation. 

I submitted dispute XX/XX/XXXX and XXXX and am STILL Waiting for a resolution. These charges were made WITHOUT MY AUTHORIZATION and by a hacker. I do not live or have travelled outside of country. 

The transactions that are still under investigation include : - XXXX in XXXX for amounts of {$530.00} ( XX/XX/XXXX ), {$310.00} ( XX/XX/XXXX ), {$580.00} ( XXXX ), {$310.00} ( XXXX ) Citi has been nonresponsive and refuse to tell me why these are still under investigation. I have provided them ample information and answered all their inquiries, but the transactions are still under investigation. They asked me more questions about these transactions and I answered them with the security team. I was informed that they are still trying to reach vendor but its been months! This is very XXXX inducing given the amounts of the transactions. They were in a foreign currency and that should have been flagged, ESPECIALLY since I was making transactions in California on the same day that a hacker was using my card in XXXX and other countries. Clearly, fraudulent and still no resolution. I have called multiple times and spoke to security center managers and supervisors, with no information to help ease my mind and finish the 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 monetary relief
Consumer complaint received 2023-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$400.00}

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My payment has a due date of XXXX. I went to pay it today only to find they have an unfairly early cutoff time that benefits only the XXXX XXXX. The time is set for XXXX EST which is only XXXX PST. No other credit card company does this. It is not something that is fairly done, if a payment is due on a certain day all other credit card companies give one until XXXX to pay, this includes those on the east XXXX XXXX, they also make an allowance for time zones. I did speak to someone who basically told me there are no exceptions and that I was rather stupid not to notice they had a very early time in tiny print on the back of the statement and it was my fault and " too bad '' for me. It seems a punitive way to make people pay days ahead to not be charge late fees again. It is even too early for the EST, XXXX is not an accepted time, again XXXX is. I will be incurring a late fee for paying on the day it was due. This is XXXX XXXX XXXX XXXX XXXX, they recently took over from XXXX  XXXX XXXX who did not have such unfair and unheard of cut off times. Why do they have EST cut offs when they are based in Texas? I do not think it is fair to be charged a late fee when one has paid on the exact due date and before XXXX in one 's time zone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 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: 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 non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had previously set up a user name and password with experian.com. We set that up so that I could freeze my account after being notified of a breech. 
Today, we wanted to unfreeze my account so a mortgage lender could get a report. I used my same user name and password ( I keep this on an XXXX spreadsheet ) but it said that it was the wrong password or user name. I chose the option to reset password. To do this, I needed to put in my birthday and social security number. I absolutely know those XXXX pieces of information but it said " wrong information. '' I tried several times and then tried to " reset another way '' at which time it asked me who my favorite teacher was. I never had a favorite teacher so I would not have chosen that question. 
I tried to call experican to get help getting into my account. There are no representatives regardless of which option is chosen. I tried several numbers listed on the internet with no luck- all go to the same recording.. 
I need to get a call from technical support from experian to be able to log into my account. Can you help with this? 
Thanks

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 2023-09-11 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: CITIBANK, N.A.
State: NE

Complaint narrative:
I immediately called the number ( XXXX ) shown next to the unauthorized charges and vented my objections. After our discussion, the representative agreed to cancel the charges and provided cancellation # XXXX. I sent the information to the Citi after calling them and requesting that my card be canceled. Citi representative during the call instructed me to pay the minimum amount required ( ( {$41.00} ) to prevent being charged a late fee. Attached is my correspondence with Citi and their responses.

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 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I received a letter from debt collector Jefferson Capital on XX/XX/23 requesting {$8200.00}. I have no knowledge of doing business with Jefferson Capital, so I mailed the CFPB debt validation letter certified on XX/XX/23. On XX/XX/23, I received a response from Jefferson Capital dated XX/XX/23. The information sent to me was unresponsive to my demands. I requested proof that I owe money to Jefferson Capital. The verification wasnt proof I owed them. In fact, Jefferson Capital isnt listed on any of the papers sent to me! The verification doesnt even address the amount Jefferson Capital is asking that I pay, proof that I am even obligated to pay the alleged debt, or evidence that Jefferson Capital owns the debt. The letter also stated Jefferson Capital was not reporting this account to any credit reporting agencies ; however, on XX/XX/23 ( the same day I received the letter ), I was notified by 3 credit reporting agencies, XXXX, XXXX, and XXXX, that this unvalidated debt was added to my credit report as a collection. I asked Jefferson Capital for straightforward items, and they refused to give them to me while continuing collection activities. I am applauded by the blatant disregard for the law. Especially 1006.38 ( d ) ( 2 ) ( I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
my information has been stolen and this is fraud.

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 2023-09-11 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: CBC Companies, Inc.
State: TX

Complaint narrative:
my information has been stolen and this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to this XXXX XXXX XXXX requesting validation on the following accounts that were reporting negatively on my Credit Report XXXX XXXX XXXX Account Number : XXXX, XXXX - XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX asking for the XXXX verifiable proof ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) which was never provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I initiated a loan recast process in XXXX of last year, which involved a payment of {$50000.00} along with a {$300.00} processing fee. The recast had been approved by my previous loan company ( XXXX ) in XXXX, and starting from XX/XX/2023, I was expecting a monthly payment of {$1800.00}. However, my loan was subsequently transferred to Freedom Mortgage Company, and they failed to execute the recast and honor the lower monthly payments as per the approved terms. Freedom Mortgage Company kept sending me bill to pay {$2000.00}. 

Now 9 months passed, I have made numerous attempts to communicate with them, providing all necessary documents ( uploaded to their website ) and contacting them several times every month since XX/XX/2023. Despite my efforts, there was no progress until XX/XX/2023 when they requested that I redo the recast under a modified policy, which I do not agree with. Given that the recast has not been implemented at all, I have formally requested the return of my funds. I sent an official letter via XXXX next-day delivery and also uploaded the letter to their portal three weeks ago on XXXX XXXX, but as of now, I have received no response from them. 

I am seeking your assistance in recovering my money since they can not inherit the approval from the previous company. Thank you very much for your support in this matter.

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 2023-09-11 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: MO

Complaint narrative:
i paid my loan, the creditor went report an inaccurate late payment on my credit report i want them to remove it 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 explanation
Consumer complaint received 2023-09-11 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: MO

Complaint narrative:
i paid my loan, the creditor went report an inaccurate late payment on my credit report i want them to remove it 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 explanation