vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: NJ

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 I listed below. 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.

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.

, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) selection states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

more than seven years.

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 accurate.

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 2024-07-05 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: AL

Complaint narrative:
My account with XXXX XXXX  / XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX / XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I sent an e-mail to TransUnion with copies of documents that they requested in .PDF format, encrypted in a 7zip compressed file ( with instructions about how to access the documents )- so that they would unlock my user account. 

The account had been locked in a previous year, because Trans Union had erroneously allowed someone to sign up for a user account with access to my account. 

I received a response from a TransUnion rep requesting that I send them the information again, in a plain unencrypted e-mail. 

Despite several requests from me after that, they did not respond to a request for a method to send them the personal identifying information in an encrypted fashion.

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 2024-07-05 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.

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 2024-07-05 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:
-- -- -- -- -- -- -- -- 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.

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 2024-07-05 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: CA

Complaint narrative:
Consumer name : ( XXXX XXXX ) XXXX Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/year> ). Contents of the complaint : This CFPB complaint has been filed to request that TRANSUNION, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a CAR LOANS AND HARD INQUIRIES. 

CAR LOANS : XXXX XXXX XXXX ACCT # XXXX {$37000.00} XXXX XXXX ACCT # XXXX XXXX. {$37000.00} HARD INQUIRIES : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in multiple bogus INQUIRIES and CAR LOANS on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and INQUIRIES, that were reported. I did not open, make, or start the aforementioned accounts, INQUIRIES on my consumer credit report, which you keep. All of the accounts, INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts and INQUIRIES are the consequence of identity theft and 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 2024-07-05 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage account was transferred from Mr. Cooper Powered by XXXXXXXX to Mr. Cooper. In the transition, the automatic withdrawl has stopped. I was not informed of my new loan number and I can not reach a human being. The phone bot keeps me loops and will not connect to a human being. Other automated features can not resolve my problem, so I need to speak to a representative to resolve the transition problem. Since Mr. Cooper will not allow me to speak with a person, I can not make my payments to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
We had a construction loan with Citizens bank. 

XX/XX/year> : We requested an extension to our loan to complete construction due to covid-related supplier delays. We were granted the extension but the bank applied {$9000.00} in penalties. 

XX/XX/year> We were told we could apply for a waiver of the penalties. 

XX/XX/year> We are told we are rejected because " the Committee has rejected the borrower 's request for a waiver of the extension fee. We are required to apply extension fees equally. To eliminate the extension fee for this customer but require others to pay would be a disproportionate application of fees and we would therefore be non-compliant with Fair Lending regulations. As a result, we are unable to waive the extension fee. '' How is there an extension fee waiver process when they say that they can not waive fees because it would be in violation of the Fair Lending regulations? 

XX/XX/year> When we asked that question were were then told : " the committee reviews the information you provide and your loan as a whole and from there vote and make a decision if the fee is being waived or if you have to pay. '' XX/XX/year> When I asked for the criteria used for waiver considerations I was told " there is no criteria for waivers. '' How can there be a process to issue extension fee waivers, but they do not issue waivers due to Fair Lending regulations, and then disclose there " there is no criteria for waivers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: LEXISNEXIS
State: OH

Complaint narrative:
I must bring to your attention that I have repeatedly notified the XXXX credit bureau to update my credit profile accurately and accordingly. Yet, to my dismay, you have failed to do so. It is my hard-earned reputation that is at stake here, and your negligence to take necessary actions is unacceptable. I have several accounts on my credit report that are being fraudulently reported as a result of identity theft. It is distressing to note that among all the credit bureaus, XXXX is the only one that has not rectified this issue. I demand you to remove the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and greatly affect 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

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 2024-07-05 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: PA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and greatly affect 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

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 2024-07-05 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: CrossCountry Mortgage LLC
State: CO

Complaint narrative:
XX/XX/XXXX someone called and pretended they were XXXX XXXX and said to cancel autopay. I did not call and cancel autopay. This was fraud and Cross Country Mortgage did not address. 

XX/XX/XXXX- Cross Country Mortgage called to say a payment was due. This is because they cancelled autopay without my knowledge, without communication, and without without my consent. 

XXXX at executive resolutions team - customer service issue. Customer service agent did not reinstate biweekly as asked. 
- I paid {$3600.00} and the funds were not applied to my account. The system doesnt know where the funds are that I paid. 

- Confirmation number : XXXX. Payment of mortgage plus principal. 
- Cross Country agent stated they are putting in a case to Locate funds that didnt post. Will bring funds current. 
- Bi weekly will be reinstated - XX/XX/XXXX will pay first week of XXXX payment. XX/XX/XXXX second half. 
- Cross country mortgage to email confirmation. I never received this email. 
- XXXX XXXX customer service agent. 

XX/XX/24 XXXX XXXX put a move funds request in She also put in the bi weekly auto pay in. It will be pending now and no delay to enacting it. 

This never happened. I am now late on a payment because they did not resolve. 

This is my XXXX month having an issue paying cross country mortgage due to their inability to process payments, begin autopay, they cancel autopay, fail to communicate account changes that I have not requested Please look into this company as its committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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:
On XX/XX/XXXX, I went into you store located in XXXX, NY to pick up a few items. Shopping experience was fine. At the register I was asked whether I wanted to join your frequent buyers club and get 10 % off the current purchase. I said yes. The young lady at the register was apparently not familiar with the process so she called over an older gentleman who seemed to be a more senior presence in the store. He asked for my drivers license explaining that it would be easier to enter my information. This all made sense to me at the time and I made a joke that the frequent shopper sign up seemed more intense than other stores. I told the gentleman repeatedly that I did not want and would not use a credit card. The next thing I know, Im approved for a credit that I did not ask for and do not want. At no time did I give permission to access my credit. XXXX acting as an agent of XXXX XXXX or vice versa accessed my credit without my permission and creating an hard inquiry on my credit report.

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 2024-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has made fictitious 30-day late reportings violating consumer protection laws. I have provided proof of the payments yet the credit bureau insists on reporting incorrect information affecting my livelihood. 
Additionally, proof off payment has been submitted for XXXX XXXX, XXXX XXXX and credit one all with incorrect reportings. 
Further, XXXX frivolously ignored the requirement to notify my eligibility for participation in the State of FL lawsuit ordering relief to include forgiveness, and/or balance waivers resulting from deceptive practices in violation of Consumer Protection Laws. I request this account be deleted due to this violation and noncompliance.

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 2024-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This company sold this loan after telling me they would wait several months until I had a settlement come in, then they never told me they sold the loan to a company called XXXX XXXX. 
XXXX XXXX just placed the debt on all my credit bureaus with zero notification or a chance to confirm or deny this loan, this caused another creditor to disqualify me for a loan that would have paid the balance off in full! 
When I contacted XXXX XXXX they have no idea they violated my rights or my rights under the ADA. 
I was told they would remove there entry on my credit files as well as Oportuns entry. 


Oportun has closed this account and stated it was 100 % paid in full. But then states several negative things that hurt my credit and overshadow any positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation