vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: FL

Complaint narrative:
Subject : Late Payment / ReposessionNotification and Assertion of Consumer Rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute late payment entries and repossession currently reporting on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ).

According to my credit report, there is a late payment entries listed for accounts XXXX  XXXX XXXX with late payment entries and repossession entry for XXXX XXXX XXXX However, I would like to bring to your attention that these late payments and repossession are inaccurate and unjustified. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate these late payment entries with repossession and provide me with the following information : 1. Verification of the accuracy of the late payment entries with repossession including proof of the alleged late payment and current repossession. 2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments and repossession.

I expect a thorough investigation into this matter and request that you provide me with a written response as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response. 
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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Urgent Dispute of Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries listed on my credit report. Upon careful review, I found multiple entries that are erroneous and were made without my consent. These inquiries are not only inaccurate but also detrimental to my credit. 
I want to emphasize that I have not applied for credit with these companies, nor have I authorized them to access my credit file. This breach of my privacy is unacceptable, and it violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I demand that you immediately investigate these unauthorized inquiries and remove them from my credit report. I expect a thorough investigation and a prompt resolution to this matter, as it is crucial for maintaining my credit integrity. 
Enclosed, you will find a copy of my credit report that highlights the unauthorized inquiries, along with any other relevant documentation to support my claim. 
Please acknowledge receipt of this letter and inform me of the outcome of your investigation within the timeframe stipulated by the FCRA. I appreciate your immediate attention to this serious matter. 
Thank you. 
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 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year>, I began the process of applying for a loan with Wells Fargo. On XX/XX/year>, I started receiving emails requesting documentation to complete my file. As the buyer, I provided all the required documents requested by XXXX XXXX. Additionally, as the real estate agent in the transaction, I submitted the binding contract and emailed XXXX XXXX to outline the due diligence timeline for completing the appraisal. 

Despite these efforts, XXXX XXXX did not acknowledge receipt of the binding contract, nor did he order the appraisal within the 10-day due diligence period. This failure resulted in the buyer forfeiting their {$2300.00} earnest money. Concerned, I contacted XXXX XXXX to ask why he disregarded the binding contract. He claimed he thought " we had an understanding. '' I responded by asking what kind of understanding would justify causing the buyer to lose their earnest money. XXXX XXXX explained that he wanted to wait to see if the property could be mortgaged. 

Rather than exercising due diligence as a loan officer and paying the fee to research whether the property was XXXX XXXX XXXX XXXX XXXX XXXX XXXX chose to wait. He did not inform me, as either the buyer or the agent, of this decision. This lack of communication and inaction ultimately led to the buyer losing {$2300.00} in earnest money. 

When I explained the situation to XXXX XXXX and pointed out that the buyer would lose the earnest money, he stated he could at least refund the appraisal fee. However, after the unilateral agreement to terminate the contract was signed by all parties, following Wells Fargo 's determination that the property could not be funded because it was on a restricted list, I inquired about the appraisal refund. XXXX XXXX never returned my call. 

Throughout the transaction, XXXX XXXX consistently avoided responsibility for his actions, which ultimately caused the buyer to lose {$3000.00}. As of this complaint, XXXX XXXX has not responded to any texts or inquiries regarding the appraisal refund.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please delete this account because I have no knowledge of it! I am a human being and my report is being used incorrectly Account name LVNV funding LLC No account number shown on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: WA

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 non-monetary relief
Consumer complaint received 2024-11-17 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: IN

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent Names and Addresses consist of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned Names and Addresses reported. The aforementioned Addresses, Names, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned Addresses, Names, and hard inquiries are the result of identity theft and fraud that all of the aforementioned consumer credit Addresses, Names, and hard inquiries are the result of identity theft and 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 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: UT

Complaint narrative:
The bank that I use is Wisely. On XX/XX/year>, a charge of {$52.00} was made on my account and it wasnt by me. I found out about it around 2 hours after it was made and took immediate action. I was able to lock the card that was used for that charge and I tried to dispute that charge. The agent that I was speaking to said that I would be provided a form where I can provide more information about the unauthorized charged but Ive never got it and they initiated an investigation. The investigation lasted 4 days and got denied on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate this account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I tried logging into my ally bank, and received a message saying my account was temporarily blocked. 

I called them, they asked all my security questions, but still didnt unblock my account. 

I explained that i am traveling to XXXX XXXX and i need to have access to my account or else i will have no way to buy anything there They didnt care even one bit. Just said that in 1-4 DAYS someone will call me back to determine whether or not its me. 

I asked to know if theres any way to verify my identity, and they were super rude and simply said they couldnt help the process to faster. 

They refused to tell me WHY my account was blocked, and refused to help me verify my identity in a fast way.

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 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: MI

Complaint narrative:
According to 15 USC 1692 C ( c ) when a debtor refuses to pay an alleged or valid debt. The creditor must cease and desist all attempts to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
We made a payment of {$1400.00} on XX/XX/year> through bill pay. The payment cleared on XX/XX/year>. I have called 6 times ans sent 4 emails to planet home lending. Including sending them a screenshot of my bank statement and the banks proof of payment ( twice ). The keep telling me they are researching it... but it's bern XXXX weeks and they still have not credited my account for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: AZ

Complaint narrative:
I am formally disputing and requesting the correction of inaccurate data on my credit report. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CO

Complaint narrative:
I have submitted numerous disputes to have items removed from my credit report that were paid in full and the accounts were closed and Experian refuses to do their job.

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 2024-11-17 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: KY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately.I had 15 late payments on an account that was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This acct has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: KY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately.I had 15 late payments on an account that was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This acct has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.

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 2024-11-17 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: FL

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
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
On XX/XX/year>, {$1700.00} from Credence Resource Management was reported on my credit report. It says the account was opened on XX/XX/XXXX, I have never received contact from this company about any debt owed. I am unaware of what this debt is. They have not provided any verification or information on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I C Systems has reported debt of XXXX $ to the credit bureau and it does not belong to me. I have been fighting to get this off my credit report as I have not one time received a collection notice from the company who sent the debt to I C Systems nor have I received anything from the original collector. They just automatically reported this false information to credit bureau. I am not a customer of XXXXXXXX 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 explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I am a victim of XXXX XXXX and ask to block information from my credit report in 4 business days according to 605c of the fair credit reporting act!

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 2024-11-17 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: KY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately.I had 15 late payments on an account that was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This acct has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Attorneys USA LLC
State: GA

Complaint narrative:
The company has reported the amount of {$2500.00} was written off but I did not receive a form 1099-c from the company. It is still a negative remark on my report.

Company response to consumer: Closed with explanation