vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : account name XXXX account number XXXX Accont name XXXX  account number XXXX Account name CREDIT XXXX BNKaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name Capital XXXX account number XXXX Account name XXXX XXXX account number XXXXXXXX XXXX  XXXXXXXX XXXX XXXX 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Timely payments have always been a priority for me on this account, ensuring they're never overdue. I'm uncertain about the reasons for the reported late payment remarks on my accounts. As stated in 15 USC 1666b - Billing Error, corrections should be enacted.

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 2024-04-22 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: FL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently maintained prompt payments on this account, preventing any occurrences of overdue payments. I'm uncertain about the cause of the late payment remarks appearing on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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 checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on XXXX XXXX  account payments - XXXX XXXX Investigate and provide evidence with statements showing these payments were late if they can not be provided evidence I demand that these payments be updated on time as they should, as I have NEVER been late. Thank you Consumer information at its best with 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 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc.
State: IL

Complaint narrative:
I loaded {$1500.00} across two transactions on to Skrill on XX/XX/XXXX. The first transaction for {$500.00}, and the second for {$1000.00}. 

The next morning, I tried to withdraw the funds and was immediately told that my account was restricted and was told to contact Skrill. I promptly submitted a ticket immediately after ( Case # XXXX ). I received an email the next day ( XX/XX/XXXX ) which asked about the nature of my use of Skrill, to which I promptly replied with my truthful answers. I never got a response after that. 

On the XXXX, I got an email that said my account was permanently closed. No reason given for account closure, and I still have not gotten a response to the answers I submitted. No information was given on if my funds would be returned for me. I've tried submitting subsequent support tickets, but have never been told a ticket has been generated or given a case number for subsequent requests. Calling Skrill 's support line is met with " This phone number does not accept anonymous calls '' before an automated system hangs up. XXXX around, this seems to happen to most other Skrill users as well who try to contact Skrill via phone. 

On the XXXX, the day I'm writing this, I still have not heard anything from Skrill after being told my account is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-04-22 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: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Here is my issue, this is an except from an email I sent to someone at the bank : Bank of Texas purchased my mortgage, like many other mortgages early this year ( 2022 ). I realized this a little late and called customer support to get caught up with my payment and get put on Auto Pay ( there is a call recording ).

The guy who helped me get up to date stated that I was all good AND if I wanted to set up auto pay I could do it online and then briefly went over the rules about autopay. One of the things he apparently mentioned on the call was that I need to set up autopsy before halfway though the month to go through for the next month I thanked him for helping me with my cross over payments and jumped on the call. Several days later I went online and set up auto payment for the next month. In fact, when I set up auto payment I got a green indicator light telling me my auto payment was in fact set up for the next month. Fantastic I though, now I dont have to worry about manually going in and process the payment next month, everything was kosher. So I thought Well about 17 days into the next month I get a notification from my credit reporting agency that my credit score has dropped XXXX points for not paying my mortgage. I thought, how could this be. I took the time to set autopay up online, I even called support to help. So I logged in and saw autopay was still on, green lit, but apparently my payment did not go through. I wondered why, since I have over XXXX in my bank account. I called support and immediately they told me I we passed the cut off date to set up online payment automatically. So I was wondering how the holy XXXX did the site give me a green light and let me set it up. 

Anyways, there is a call recording. Multiple calls and they refuse to remove this from my credit report. For something that is clearly an error on the part of the bank. My next step here is suing the bank. I hope the CFPB can help get this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Timely payments have always been maintained for this account, with no instances of overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.

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 2024-04-22 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any 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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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:
See attached. 

I've recently checked my credit report and noticed some inaccurate information reporting.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MORTGAGE CENTER, LC
State: OH

Complaint narrative:
We have had numerous problems with this company since starting the loan process for my deceased mother-in-law 's cabin. Many times the company told us they were going to check into a problem and get back to us, and not once did they ever follow through. Most recently, what prompted this complaint, is that the company sent year end tax information to another person in another city and state that had all our loan information, including my full social security number. ( They keep explaining these errors as a glitch in their system that won't happen again ). The person, who received my information, contacted the Mortgage Center a month ago to let them know about the error and spoke with XXXX XXXX, their " customer care '' supervisor, since he was concerned about privacy issues. She said she would look into it and get back with him. When she didn't, he sent me a letter with a copy of the document. I also tried contacting her on XX/XX/XXXX, after receiving his correspondence last week, and left a message on her voice mail first thing in the morning By the end of the day, she hadn't gotten back with me. This is typical of our history with these people. They never get back with you, unless you hound them. 

In XXXX of this year, we received a 1099 from the Mortgage Center showing they had paid us over {$500.00} in interest in XXXX. That was ludicrous, since we have only paid them money. They never paid us anything. When my wife tried straightening the matter out with them, they didn't believe her that they would have sent a 1099. They said they never do that, like she was crazy. My wife has a XXXX XXXX, and I am a XXXX. We are not XXXX  people, but they have treated us with total disrespect every time we have contacted them. She sent them a copy of the document, and they said they would look into it and then never got back with her, so we just dropped the issue and figured we would just explain the situation to the government and they would see the mistake, if we were ever audited. 

I could go on and on about this company, but I think I've made my point. They should be thoroughly investigated. They are crooked, or at the least incompetent and very uncaring, and should not be allowed to handle peoples information and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Someone got ahold of some of my information and was able to get XXXX cards in my name, XXXX for XXXX bank and another one to purchase furniture from a company. I was able to get some information and have already filed a police report to get this taken care of. My detective was unable to get the companies to comply with the warrant because of where they are located. How ever i have the police report, the detectives on standby to help me at anytime to get this off of my credit that it has already damaged to prove this wasn't me. I have been to court for this twice now and it was thrown out the first time because the company could provide no evidence it was me and never even worked with the prosecutor and now they have taken me to a different court room. I have even sent in the police report like the companies have request to get this taken off my credit and they have failed to get back with me or even work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian refused to update my personal information and delete inaccurate address on my consumer report. I called in to the fraud department and he told me the information was sent in from accounts associated with identity theft. I informed him to delete the address he said no.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have received a text message from Credit Collection services XXXX XXXX XXXX XXXX XXXX which I have never used XXXX XXXX XXXX XXXX before so I think it is a scam. I tried their self service and try to get more information but it didnt work

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I make extra payments every month XXXX. On due date XXXX before statement closing date XXXX. OR on the closing date before the time is up CitiGroup/Bestbuy Visa is not applying the extra payments for the billing cycle in an effort to wrongly charge me more interest than what should be charging me. 

They are stealing thousands in interest that should not be there.

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 2024-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland Credit Management has been calling me multiple times a day, refusing to leave me any kind of voice message, threatening to take me to court over the money I supposedly " owe '' them, and is refusing to provide me with any substantial evidence that proves it is my responsibility. I've written both a Cease and Desist along with a Validation of Debt letter, but they are continuing to harass me and threaten legal fees any time I try to communicate with them about their shortcomings and the illegal practices they are continuing to do to bully any sort of payment out of me for an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Timely payments on this account have always been my commitment, avoiding any instances of overdue payments. I'm confused about the origin of the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be addressed.

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