vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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:
I am submitting this complaint in accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602 ), which stipulates the need for consumer reporting agencies to carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I am entitled to accurate and equitable information reporting. Upon contacting TransUnion to address certain accounts labeled as charge-offs, I engaged with a representative who corrected the spelling of my name but redirected me to another representative, XXXX XXXX , to address the charge-off accounts. I informed XXXX XXXX of the charge-off accounts and requested their removal. However, he informed me that he would not be able to fulfill this request. I proceeded to explain to him the IRS definition of charge-offs, which categorizes them as gross or ordinary income that is not reported on consumer reports, rendering the reporting of these accounts inaccurate. Despite this clarification, he maintained his stance that he could not remove the accounts. So I proceeded to explain to him the CFRs and the UCC codes and he still said he could not remove the accounts. Here are the CFRs and UCC codes below. 
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. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I'm opting out of only the below accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08 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: Aqua Finance, Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding a disputed charge on my credit report. In XX/XX/XXXX, I was charged an exorbitant amount of {$3600.00} for a vacuum cleaner, which I promptly disputed. Despite my efforts to rectify the situation, the dispute was closed by Bay Finance, and the charge remained on my credit report as a charge-off. Bay finance reported I made a payment in XXXX, that is incorrect. 

Since then, I have observed a concerning pattern : every XXXX months, the charge is temporarily removed from my credit report, only to be reapplied as a charge-off with an increased amount. This recurring cycle has severely impacted my XXXX XXXX and financial stability. 

As a XXXX XXXX, I am deeply troubled by the unethical practices of Bay Finance. Despite numerous attempts to reach out and resolve this issue, I have been met with disrespect and evasion, including being hung up on during phone calls. 

Furthermore, the current claimed balance of {$4200.00} is unjustified and only exacerbates the financial strain caused by this situation. I implore you to intervene and ensure that Bay Finance ceases these predatory practices and removes all erroneous charges from my XXXX XXXX immediately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: OR

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-08 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for on XX/XX/23, XX/XX/23, and XX/XX/23, Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: CA

Complaint narrative:
On my self XXXX XXXX account I made a ADDITIONAL payment of a dollar that was not owed and got returned and self charged me XXXX dollars. I know there's a new law approved through CFPB prohibiting companies to do this. 


also my new self credit card i had called to see when my XXXX dollar patment will be added to my account on a recorded call the agent said the XXXX is the annual fee ... in its polices. i said its not in the policy that the annual free is taken out the first payment.I asked for a sup he said different. He said the fee is taken out our XXXX limit making it a XXXX dollar limit.. which isn't true because my limit is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ADP Inc.
State: DE

Complaint narrative:
Hello, I have an account with ADP from when I was employed with XXXX. I have not worked for XXXX for nearly 10 years. I'd like my account to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
Please remove these false accounts that I found on my credit report. they do not belong to me and I have no knowledge of who they go to. 
XXXX. 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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Media Collections, Inc
State: MI

Complaint narrative:
I was contacted by XXXX XXXX Account Representative Joseph , Mann & Creed XXXX Last week about an auto insurance policy that was canceled by XXXX XXXX, I told him that I likey make the payment in a week or XXXX I woukd have to see. I requested him send me the information in my email that I never received. He called me back today to make a payment and I said I likely could but I wanted to see the email that I was originally supposed to get. He the began to to birrade me and call me names, calling me a child and he's speaking to me like a man, I immediately told home that he is making me uncomfortable with the tone he was putting forth. He continued and hung up after I said I just wanted the email I was promised. I just got the email at XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: KEYCORP
State: NY

Complaint narrative:
I applied in good faith for the KEYBANK credit card account. If any portion of this application under the account number : XXXX XXXX XXXX XXXX has been securitized as a asset backed note under securities act of 1934 , within the KeyBank and/or any other under SEC filled Prospectus, XXXX XXXX Forms and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft that was caused by the Equifax data breach. It has gone on to this day. If you check my information against the list of people effected they admit my information was compromised. However, I have had to chase them down to get any information and they are playing games with me. I applied for this settlement almost years ago and supplied them all of the proof of my damages. They never said peep to me until I reached out to them and they gave me XXXX different case/claim numbers. XXXX they claimed they sent me a check already, and they HAVE NOT. The other XXXX they are saying that there are documents missing or incomplete and they do not specify what is missing or incomplete. It is BLATANTLY obvious to me that they don't intend on paying anyone from the settlement money and want to keep it all for themselves or their lawyers. Why would they not notify me that information was missing? Because they planned on saying that I didn't comply so they would not have to pay me. This is getting RIDICULOUS. I need to be compensated for the weeks of my life I have spent doing this, as well as the harm that I have been caused when there is fraudulent accounts on m y credit and I can not use my own XXXX XXXX credit or have to pay stupid interest rates. I literally XXXX XXXX and they should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I have been receiving calls, on my mobile phone, from a XXXX XXXX at Aldous and Associates since XX/XX/year> regarding some gym membership which I do not have and never had. 

On XX/XX/year>, I had called the very gym that most likely had passed on to XXXX XXXX at Aldous and Associates my mobile phone #. I spoke to the manager at this gym, to check XXXX ) who they were calling ; and XXXX ) why they were calling. I explained to this gym manager that I was not the person they were looking for and that I had never belonged to their gym nor any gym. That the person they were looking for was NOT reachable at my mobile phone #. I even informed the gym for how long I have had my current mobile phone # and who my mobile phone carrier was so that they could verify for themselves who owns my mobile phone #. 

The gym manager said he would remove my phone # from their " overdue membership list, '' and supposedly he did this while we were on the phone. 
Again the call with this gym manager was on XX/XX/year>. 

However, XXXX XXXX from Aldous and Associates has continued to call my mobile phone #, every XXXX to XXXX days. She would call from phone # s of different area codes. While I can block each of their phone # s, they still are able to leave a voicemail on my mobile phone, which I find to be very annoying because these messages use up my mobile phone voicemail memory. 

Despite my call with the gym manager who acknowledged that they're trying to reach a person who isn't me and who told me he has removed me from their list, XXXX XXXX at Aldous and Associates continues to leave messages on my mobile phone. I have kept a record of all the calls and the phone # 's from which XXXX XXXX calls- She called and left a voicemail on XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; the gym removed my name from their list but XXXX XXXX XXXX called on... 

XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; and today XX/XX/year> ( from a XXXX number ). 

That's a total of XXXX calls in XXXX wks. 

I have even updated the greetings recording to my mobile phone to indicate whose number " XXXX XXXX '' has called, along with my name and also a message to NOT leave a message if they're not calling for me. Still XXXX XXXX at Aldous and Associates continue to call and leave a message. 

I know I don't have any debts that are overdue. I pay my bills on time. 

I would appreciate that XXXX XXXX @ Aldous and Associate stop calling my mobile phone. This is harassment. If they are serious in collecting debts, they should send a letter to the person they're trying to reach instead of leaving messages on the voicemail of the wrong person. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I wrote a letter about unknow and unauthorized inquiries on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXXXXXX XXXX breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( XXXX ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2024-04-08 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-08 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 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:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I engaged with Credit Karma for early access to my tax refund. I have been unemployed for several months and am doing everything I can not to take government funding, or loans out. I am also a single parent with a son who has had XXXX surgeries since last XXXX. 

I know I was paying high fees for the advance and accepted this given that I needed the money. 

On XX/XX/year>, Credit Karma took {$2300.00} from my account claiming the IRS issued a " recall request ''. 

As of XX/XX/year>, the IRS has no knowledge of this request and has not received funds from Credit Karma. When calling CK, their customer service is very limited and does not speak fluent English, therefor does not understand the issue. They have also stated that they do not have an escalation path for phone callers. 

Despite XXXX phone calls and XXXX emails, Credit Karma is unable to provide documentation of returned funds and documentation of the IRS recall. 

This was either a fraudulent request, or that CK is not making records available. Either way, I need assistance pursuing this further. 

Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Mr cooper loans is our new servicer They keep calling us with solicitation we have asked repeatedly to be removed from any solicitation calls and they keep calling us XXXX times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
When I went through my credit profile I saw inquiries that didn't belong 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