vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: GA

Complaint narrative:
Notice of Impending Lawsuit Sue to Erroneous Errors on Credit File To : TransUnion, XXXX XXXX XXXX I have previously notified your credit reporting agency in reference to two XXXX XXXX credit cards that have been placed on my credit report without validation. 

It is my understanding that your agency receives compensation to report this erroneous error. This is official notice that I am disputing these errors despite previous notices. Despite my efforts to resolve the discrepancies, I have not received adequate responses or corrections to my credit report, thus leaving me with no other alternative than to consider legal action. 

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or incomplete information contained in my report. I have provided supporting documentation and evidence to support my claims. 

As a result of these unresolved errors, I have incurred denial of credit, higher interest rates, and loss of business opportunities, which have negatively impacted my financial standings and overall being.

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 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Sent my mother and email to her personal email with amount owed. This also had my name and the last 4 numbers of the account owner. States they did not have her email on file but I have then email that was sent to her.

The company is Portofilio Recovery Agency PRA LLC. The amount owed the email states is {$770.00}. Gives amounts of how much the debt could be settled for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I went to the XXXX XXXX in XXXX XXXX XXXX and requested to cancel my service contract on a vehicle I purchased a few months earlier. I was aware that the pro-rated amount to be refunded was approximately {$5200.00} by my calculation. The finance officer had me fill out a single sheet of paper form and told me that the process could take up to 60 days. I asked why it would take so long, and he said that it was just the processing time and would not explain further. I then asked for evidence that the paperwork had been submitted and to receive consistent updates on the process. He did not provide proof of submission, but I took a picture of the form. Finally, he brought the form to a different person in the finance office and said to expect a call in around 2 weeks for additional information. After 3 weeks of no response, I began to call around 2 times per week. Occasionally, I would get to speak with a salesman who said he would pass along a message. This happened no less than three separate times with no follow-up. Often, I would have to call two or three times before I could speak with an operator who would transfer me to the finance department which never picked up the phone. There was no option to leave a voicemail. I called twice on XX/XX/XXXX, once on XX/XX/XXXX, twice on XX/XX/XXXX, thrice on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once on XX/XX/XXXX. I finally decided to send a message to a salesman through the website and received a call later that day from a salesman who then told me that the process could take up to 120 days and offered no other update or compensation. It is now approximately 90 days since the first submission and I do not even know if the form was looked at, much less processed. 

I originally filed this complaint on XX/XX/XXXX, but it was not forwarded to the dealership. Thus, I am submitting the complaint again in hopes that the loan company can contact the dealership on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: VA

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to XXXX XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late. 
Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX XXXX customer service confirming that this was a mistake on their end. 
Technical Issues on the Payment Processing Portal : I encountered issues with XXXX online payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-18 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: NY

Complaint narrative:
XXXX : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX  XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX  State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, 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 2024-10-18 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: NJ

Complaint narrative:
I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIT CARDS AND LOANS. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date XXXX XX/XX/XXXX Balance- {$700.00}, XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$300.00}. 

The reported information is incorrect and does not belong to me. 

I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a tax lien showing my account was hacked and dispute XXXX from the contract showing the account has been issued with a management from there side and the resolution team has not updated the credit report with the bank showing the account was hacked and involve the H & R Block with the dispute team from the manager with IRS from XXXX XXXX showing the account superceeded the amount and delayed the payment from the hacked account from 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 explanation
Consumer complaint received 2024-10-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-10-18 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: FL

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-10-18 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: OH

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I found several accounts on my credit report that appear to have been added without my approval, and I believe they are incorrect. I ask for their immediate removal

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 2024-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I opted out of escrow with Fay Servicing in XX/XX/XXXX. On XX/XX/XXXX, my insurance with XXXX  ( policy number XXXX ) renewed and a bill was sent to Fay. Fay did not respond to the bill to inform XXXX that they should send the invoice to me for payment since I had opted out of escrow. Fay did not pay the invoice, and my policy was closed as a result. In XX/XX/XXXX, I received a letter from Fay indicating that they had purchased insurance on my behalf for a premium roughly 3x market rates. I then worked with my insurance broker to understand what happened and issue a new policy, effective XX/XX/XXXX. Through multiple conversations with my broker and XXXX, I learned that XXXX expected Fay to notify them that I had opted out of escrow and that they should update their billing information to send the bill to me. This never happened and I never received a bill to pay. I understand that Fay is required to ensure the property is covered by insurance, and that they bought this policy to cover that obligation. However, given they are at fault for the billing failure that resulted in the termination of coverage, they should pay the premium associated with that policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/year> - {$110000.00} - I have reached out to the IRS to validate out debt. 

XX/XX/year> - {$910.00} - I have reached to the XXXX  XXXX to validate debt and reason for suspension, on behalf of XXXX XXXX XXXX. 

XX/XX/year> - {$8000.00} - I have reached out to Westlake Financial to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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