vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This account was reported as " XXXX XXXXXXXX '' to all three credit bureaus, but I have not received a 1099C from USAA.

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 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
- Loan Amount : {$5000.00} - Interest Rate : 35.99 % - Loan Approval Date : XX/XX/year> I am writing to file a formal complaint against Transform Credit regarding their handling of a loan for which I co-signed on XX/XX/year>, in the amount of {$5000.00}. Despite fulfilling my obligations, the company 's practices have been both unlawful and harassing. 

The original borrower defaulted on the payment due XX/XX/year>, and I was contacted on XX/XX/year>, to cover the payment as the co-signer. On XX/XX/year>, I negotiated a settlement amount of {$5000.00} with a representative of Transform Credit. The representative confirmed that if payment was made within five business days, any accumulated interest would be waived. I promptly mailed a cashiers check for this amount, postmarked XX/XX/year>, and sent proof of mailing and payment via text on the same day. 

Despite this, Transform Credit continues to demand additional payment for interest accrued during the agreed settlement period, even after acknowledging receipt of the settlement amount. Furthermore, they have continued to call, text, and email me, disregarding my requests to cease communication. These actions violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits abusive and deceptive debt collection practices, and are inconsistent with the Consumer Financial Protection Bureau 's guidelines on fair business practices.

I request that officials investigate this matter and take appropriate action to ensure that Transform Credit adheres to lawful and ethical collection practices.

Please find attached copies of all relevant correspondence and proof of payment for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
Last XX/XX/2024, I went to make a vehicle loan with a dealer and to make a loan through a single bank, they ran my credit through XXXX different banks on the same day without authorization. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
Last XX/XX/year>, I went to make a vehicle loan with a dealer and to make a loan through a single bank, they ran my credit through XXXX different banks on the same day without authorization. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX of XXXX XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> 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 2024-12-20 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Every other month they will claim that my payment is late because they don't collect my auto pay and charge me an additional XXXX $ I have paid well over XXXX $ in late fees on a XXXX $ a month payment and my payments are never 30 days late. i only know it wasn't auto paid when i get a text from them on the XXXX to let me know i haven't paid for the month. 

Beyond frustrating and clearly a built in bug that allows them to collect more late fees.

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter from Citibank stating that my missing miles XXXX were added during the XX/XX/year> statement cycle and that false. The amount of miles I received on XX/XX/year> statement was XXXX between purchases and bonus. I want my missing miles to be added to my Advantage account 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 2024-12-20 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: TX

Complaint narrative:
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  I never gave any of these companies to use or run my credit.

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 2024-12-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never gave any of these companies to use or run my credit.

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 2024-12-20 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: OH

Complaint narrative:
I recently reviewed my Credit Report and noticed 3 accounts and 3 hard inquiries that I do not recognize. I've never established any business with this companies, nor gave permission to run my Credit Report on the inquiries. These accounts have been added to my Identity Theft Report. XXXX XXXX, XXXX, AND XXXX. Also, the 3 hard inquiries have been added. These accounts are fraudulent and doesn't belong to me. This is Identity Theft.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Sometime in the month of XXXX or XXXX XXXX XXXX, I Zelled a payment of approximately {$450.00} to somebody who approached me at a parking lot a grocery store, offering to resolve a problem with my car. I agreed to his help, however, when he completed the job, the result was absolutely unprofessional and extremely horrible. I have pictures of the completed work. When I contacted Zelle to ask for my payment to be stopped, they said to me that there is nothing they can do about it and I was unable to recover my money back from this fraudulent cost. I would like to request help with being able to recover atleast a portion of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
Subject : Failure to Notify Consumer Reporting Agencies of Disputed Debt - Violation of 15 U.S.C. 1692e ( 8 ) XXXX XXXX, I am writing to address your failure to comply with federal law regarding an account under my name. Specifically, you failed to notify the consumer reporting agencies that this debt was disputed, in violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

As you are aware, under 15 U.S.C. 1692e ( 8 ), debt collectors are prohibited from failing to communicate to any person that a debt is disputed, particularly when such omission would mislead or harm the consumer. The relevant case law, XXXX XXXX XXXX XXXX XXXX, 160 F.3d 64 ( 1st Cir. 1998 ), supports the position that a failure to report a disputed debt to the consumer reporting agencies constitutes a violation of the FDCPA. 

Here are the key facts of this matter : I and the co-signer disputed the validity of this debt XX/XX/XXXX. I possess time-stamped electronic proof of this submission, to which an employee acknowledges receipt. You failed to notify the consumer reporting agencies that this debt is disputed, resulting in inaccurate and misleading information being reported on my consumer report. 

Due to such negligence, I reserve the right to pursue remedies under the Fair Credit Reporting Act ( FCRA ) and FDCPA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

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 2024-12-20 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:
Subject : Failure to Notify Consumer Reporting Agencies of Disputed Debt - Violation of 15 U.S.C. 1692e ( 8 ) XXXX XXXX, I am writing to address your failure to comply with federal law regarding an account under my name. Specifically, you failed to notify the consumer reporting agencies that this debt was disputed, in violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

As you are aware, under 15 U.S.C. 1692e ( 8 ), debt collectors are prohibited from failing to communicate to any person that a debt is disputed, particularly when such omission would mislead or harm the consumer. The relevant case law, Brady v. Credit Recovery Co., 160 F.3d 64 ( 1st Cir. 1998 ), supports the position that a failure to report a disputed debt to the consumer reporting agencies constitutes a violation of the FDCPA. 

Here are the key facts of this matter : I and the co-signer disputed the validity of this debt XX/XX/XXXX. I possess time-stamped electronic proof of this submission, to which an employee acknowledges receipt. You failed to notify the consumer reporting agencies that this debt is disputed, resulting in inaccurate and misleading information being reported on my consumer report. 

Due to such negligence, I reserve the right to pursue remedies under the Fair Credit Reporting Act ( FCRA ) and FDCPA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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 : Failure to Notify Consumer Reporting Agencies of Disputed Debt - Violation of 15 U.S.C. 1692e ( 8 ) XXXX XXXX, I am writing to address your failure to comply with federal law regarding an account under my name. Specifically, you failed to notify the consumer reporting agencies that this debt was disputed, in violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

As you are aware, under 15 U.S.C. 1692e ( 8 ), debt collectors are prohibited from failing to communicate to any person that a debt is disputed, particularly when such omission would mislead or harm the consumer. The relevant case law, Brady v. Credit Recovery Co., 160 F.3d 64 ( 1st Cir. 1998 ), supports the position that a failure to report a disputed debt to the consumer reporting agencies constitutes a violation of the FDCPA. 

Here are the key facts of this matter : I and the co-signer disputed the validity of this debt XX/XX/XXXX. I possess time-stamped electronic proof of this submission, to which an employee acknowledges receipt. You failed to notify the consumer reporting agencies that this debt is disputed, resulting in inaccurate and misleading information being reported on my consumer report. 

Due to such negligence, I reserve the right to pursue remedies under the Fair Credit Reporting Act ( FCRA ) and FDCPA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

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 2024-12-20 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: NV

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 TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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 2024-12-20 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: FL

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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: TX

Complaint narrative:
My mortgage with XXXX XXXX initially had high payments that were challenging to manage, leading to me falling behind. To address this, I reached out to XXXX XXXX for a loan modification. After a review of my circumstances, the modification was approved, with the first payment due on XX/XX/year>. However, my account was transferred to Midland Mortgage about six weeks into the modification process.

Upon accessing Midland Mortgage 's website, I noticed that the information provided was quite limited, and it reflected a balance of {$20000.00}. This balance is currently under dispute because it includes a payment that XXXX XXXX failed to process during the transition of my account to Midland Mortgage. This has added confusion and complications to an already stressful situation.

Midland Mortgage informed me that I needed to make payments directly to them. When I contacted them, they said they were still processing my loan modification, but no further updates have been provided. Despite my repeated attempts to follow up, I have not received adequate responses to my inquiries.

Meanwhile, these unresolved issues are inconvenient and impacting my credit report, which now inaccurately reflects the situation. This has caused significant concern as I work to resolve these discrepancies and ensure that my account with XXXX XXXX and Midland Mortgage is updated correctly. The lack of clear communication and resolution has made moving forward difficult.

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 2024-12-20 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: GA

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. 
"

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