vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The 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 payment for the account that i have included screenshot inside this complaint in on date XX/XX/year>. 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 paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: LA

Complaint narrative:
I lost my job and subsequently lost my wife and pretty much gave up on life, my home is now in foreclosure- I listed the property and they got an offer immediately and it was sent over to Selene Finance XXXX XXXX XXXX. The agents then sent over the paperwork from me on XXXX XXXX that Selene requested and now they are saying they didn't have enough time to complete a short sale due to the 37 day rule but the offer was sent in on the 37 day out from the sale. 
I want the sale pushed back so we can get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MI

Complaint narrative:
I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX. Upon reviewing my credit report, I noticed that this account reflects a repossession, which occurred but each month the balance on the loan is falsely being reported as " late '' and the balance goes up. It is impossible for me to be late on payments on a vehicle I no longer have a monthly car payment for I would like to inform you that the repossession of the vehicle associated with this account was a result of being homeless and unemployed at the time. Unfortunately, due to my circumstances, I faced challenges in maintaining the payments on the loan, ultimately resulting in the repossession of the vehicle. Since the repossession, I have managed to stabilize my situation and have taken steps to address my financial difficulties. However, the repossession has left a significant impact on my credit report, hindering my ability to secure housing and employment. I kindly request that you provide me with a letter confirming the repossession and subsequent sale of the vehicle. This letter is crucial for my records and may be needed for future reference. Furthermore, I request that XXXX XXXX remove this account from my credit report immediately. The repossession has already had a detrimental effect on my credit score, and removing this negative account would greatly assist in my efforts to rebuild my financial standing. Please provide written confirmation once the account has been removed from my credit report. Additionally, I request that all correspondence regarding this matter be conducted in writing. 

I have reached out to XXXX XXXX many times requesting the the repossession and sale of my XXXX XXXX of which they refuse to give me and continue to falsely report late payments on my account when the car was repossessed in XXXX of 2021 Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act this Creditor : XXXX XXXX XXXX XXXX Acct : XXXX XX/XX/year>, has violated my rights under 15 U S C 1681 section 602 a states, " I have a right to fairness, equality, and to privacy '' 15 U S C 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U S C 1666b, " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. ''

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have fraud alert on my credit report from car pros of XXXX in XXXX wa I didn't authorized them to do this. Now I'm stuck with this for two years I have called but no response. I have called experian to complain.

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 2024-06-17 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: MI

Complaint narrative:
I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX. Upon reviewing my credit report, I noticed that this account reflects a repossession, which occurred but each month the balance on the loan is falsely being reported as " late '' and the balance goes up. It is impossible for me to be late on payments on a vehicle I no longer have a monthly car payment for I would like to inform you that the repossession of the vehicle associated with this account was a result of being homeless and unemployed at the time. Unfortunately, due to my circumstances, I faced challenges in maintaining the payments on the loan, ultimately resulting in the repossession of the vehicle. Since the repossession, I have managed to stabilize my situation and have taken steps to address my financial difficulties. However, the repossession has left a significant impact on my credit report, hindering my ability to secure housing and employment. I kindly request that you provide me with a letter confirming the repossession and subsequent sale of the vehicle. This letter is crucial for my records and may be needed for future reference. Furthermore, I request that XXXX XXXX remove this account from my credit report immediately. The repossession has already had a detrimental effect on my credit score, and removing this negative account would greatly assist in my efforts to rebuild my financial standing. Please provide written confirmation once the account has been removed from my credit report. Additionally, I request that all correspondence regarding this matter be conducted in writing. 

I have reached out to XXXX XXXX many times requesting the the repossession and sale of my XXXX XXXX of which they refuse to give me and continue to falsely report late payments on my account when the car was repossessed in XXXX of 2021 Thank you for your prompt attention to this matter. I look forward to your timely response. 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 2024-06-17 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: MI

Complaint narrative:
I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX. Upon reviewing my credit report, I noticed that this account reflects a repossession, which occurred but each month the balance on the loan is falsely being reported as " late '' and the balance goes up. It is impossible for me to be late on payments on a vehicle I no longer have a monthly car payment for I would like to inform you that the repossession of the vehicle associated with this account was a result of being homeless and unemployed at the time. Unfortunately, due to my circumstances, I faced challenges in maintaining the payments on the loan, ultimately resulting in the repossession of the vehicle. Since the repossession, I have managed to stabilize my situation and have taken steps to address my financial difficulties. However, the repossession has left a significant impact on my credit report, hindering my ability to secure housing and employment. I kindly request that you provide me with a letter confirming the repossession and subsequent sale of the vehicle. This letter is crucial for my records and may be needed for future reference. Furthermore, I request that XXXX XXXX remove this account from my credit report immediately. The repossession has already had a detrimental effect on my credit score, and removing this negative account would greatly assist in my efforts to rebuild my financial standing. Please provide written confirmation once the account has been removed from my credit report. Additionally, I request that all correspondence regarding this matter be conducted in writing. 

I have reached out to XXXX XXXX many times requesting the the repossession and sale of my XXXX XXXX of which they refuse to give me and continue to falsely report late payments on my account when the car was repossessed in XXXX of 2021 Thank you for your prompt attention to this matter. I look forward to your timely response. 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 explanation
Consumer complaint received 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I previously disputed my student loans from the Department of Education and XXXX that were showing up on my credit report at TransUnion with the CFPB. They were supposed to be removed due to a settlement agreement ( XXXXXXXX XXXX XXXX ) and TransUnion did eventually remove them from my credit report as XXXX was showing a {$0.00} balance. 

I received an alert today that those loans have shown back up on my credit report at TransUnion in violation of the settlement agreement and contradicting the statement in the previous complaint. 

These need to be removed from my credit report ASAP.

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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Commencing on or about XX/XX/year> I fell victim to a multi-layered scam operation run by group of scammers ( XXXX  XXXX ), which involved me making deposits for a total amount of XXXX USD from my Cash app account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-06-17 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX I closed out an account with XXXX XXXX XXXX acct # XXXX that was considered PAID IN FULL but has continously posted in accurate stating I made payments XXXX XXXX also posting several late payments when in fact it was closed and PAID IN FULL XX/XX/XXXX. This needs to be corrected with NO late payments or removed from my crefit profile. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted EQUIFAX or TIME FINANCING SERVICES such authority. THIS ACCOUNT HAS SEVERAL VIOLATIONS AND NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX I closed out an account with XXXX XXXX XXXX XXXX XXXX XXXX that was considered PAID IN FULL but has continously posted in accurate stating I made payments XXXX XXXX also posting several late payments when in fact it was closed and PAID IN FULL XX/XX/XXXX. This needs to be corrected with NO late payments or removed from my crefit profile. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted EQUIFAX or TIME FINANCING SERVICES such authority. THIS ACCOUNT HAS SEVERAL VIOLATIONS AND NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



OAG CHILD SU Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I get paid weekly and this bank offer first a service that allows you to get paid up to two days early. My account was negative and they closed it even though though I get paid weekly. They took my direct deposit close my account and sent me the remainder. They also offer a service that allows customer to use up to {$250.00} into the negative which I use. I have also attached my statement that shows you I was charged off. They took my last direct deposit and sent me the remaining balance, which seems criminal.

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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The issue began when I discovered a transaction with XXXX XXXX XXXX that I had not authorized. Recognizing the transaction as fraudulent, I promptly reported it to the police and filed a detailed report, identified as Police Report # XXXX. Armed with this documentation, I contacted The Best Service Company to inform them of the situation, hoping for a swift resolution. 

However, my interactions with the company 's representatives were far from satisfactory. The responses I received were not only unhelpful but also condescending. Despite providing them with the police report, which clearly outlined the fraudulent nature of the debt, I was informed that I was still responsible for the payment. This reaction was both surprising and disheartening, as I expected a more professional approach from a company of their stature. 

Determined to resolve the issue, I formally disputed the debt in writing. In my correspondence, I reiterated that the transaction was fraudulent and provided all necessary evidence, including the police report. I requested that The Best Service Company cease all collection activities related to this debt and remove any negative information that may have been reported to credit bureaus. 

The persistence of The Best Service Company in pursuing this fraudulent debt, despite clear evidence and a police report, is not only unjust but also a violation of consumer rights. Companies have a responsibility to investigate and resolve such disputes fairly and promptly. Ignoring the evidence and continuing to harass individuals for debts they do not owe undermines trust in the financial system and places undue stress on victims of 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