vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Collections, Inc.
State: OR

Complaint narrative:
Cascade collection in XXXX Oregon filed for a garnishment. I called and asked for a statement of the balance as they garnished me 2 years ago for the same debt. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hello and good day, I am very frustrated and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-08-12 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-08-12 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: WA

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

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 2024-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received two {$100.00} gift cards ( total of {$200.00} ) that are American Express. I have tried using them in-store and online with multiple retailers and they get declined no matter what. I have activated them and have confirmed their status as active via Amex 's online site. I have confirmed the balance is on the card electronically and I confirm that I have not used them and have kept them in my possession at all times. I have tried to use these cards multiple times. These cards are not expired. The company has not helped me resolve it. American Express has told me that they see no issue on their side but they are unable to tell me why the cards continue to get declined, nor have they advised where the cards can successfully be used. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I received a SMS text message on my XXXX saying " CHASE ALERTS with wire transfer was being attempted from my Chase Bank Account ''. A man called me on the same number introducing him as " Chase Representative '' and told me about high call volume being reported with similar Fraudulent wire transfers by a lady named XXXX XXXX from XXXX, Ohio. 

He then transferred me to a Supervisor from Chase XXXX XXXX XXXX XXXX team, who gave me his name. He told me my account is already compromised and he is here to help & trace this lady and collect evidence. 

He asked me for my Chase username and password for disablement purposes. 
Thinking he was a Chase Representative trying to help, I provided him this information. 
He then had me setup some wire transfer entries for investigation & testing purposes. 

He tricked me into setting up wire transfers ( Authorized by me ). 
But I did not know the wire transfers were set to go to XXXX Bank. I did not create those entries. I did not receive any XXXX XXXX from Chase Bank regarding these new wire transfers setups which was unusual & out of pattern activity. 
I never wire transferred any money to XXXX XXXX  in the past. 

Unfortunately, till now I could not sense his ill intentions & gave him XXXX thinking it will be used for investigation purposes. He told me my account will reset within XXXX hours. I should call him next day XX/XX/XXXX to continue with the investigation process. 

He again repeated the same process next day XX/XX/year> telling me it was for investigation purposes and my account will reset in XXXX hours. My account did not reset and I saw all my money wire transferred, leaving me with a very low balance with all my money stolen. 

As per Chase representative, XXXX wire transfers were made to XXXXXXXX XXXX  XXXX in XXXX different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TN

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 U.S.C. 1681. 

All accounts are held by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount XXXX XXXX. XXXX Account XXXX XXXX XXXX {$770.00} XXXXXXXX XXXX XXXXXXXX account number XXXX about {$770.00} XXXX. XXXX XXXX XXXX account number XXXX amount {$510.00} 15 USC 1681 ( s ) ( 2 ) 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.

15 USC 1679c DISCLOSURE LAW IN 15 USC 1681 STATES THAT NEGATIVE INFORMATION SUCH AS UNPAID DEBTS COLLECTION AND STUDENT LOAN DEFAULTS CAN USUALLY ONLY REMAIN ON A CREDIT REPORT FOR 7 YEARS. 

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : Alos states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) States 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.

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates. 



Due to the inaccuracy of these reports I have not been able to obtain a home and other necessities that are needed by credit score. Also they have not given me any information on these accounts. They have violated my rights and not have sent any information on how they obtain my accounts. I want them removed and my credit restored immediately. 
Kind regards,

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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMB FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I discovered a fraudulent charge to our checking account with UMB Bank in XXXX XXXX XXXX. This charge was paid to XXXXXXXX XXXX XXXX XXXX Type : Debit - Check XXXX XXXX : XXXX We have no knowledge of this charge, we did not initiate it and we do not do any business with XXXX XXXX  XXXX. 
That day I emailed the bank manager to file a fraud report. I didn't receive a response, so the next day, XX/XX/year> I went to the bank, again to attempt to file a fraud report. Again the bank manager was unavailable and I spoke to one of the clerks. I explained the issue, he called " the fraud '' department and was told that there is NOTHING UMB can do about this charge because I did not report it within 24hours! I have never heard such a thing. When I questioned this, he told me that he was just telling me what he was told and that if I didn't like it ... ... ..well, he didn't know what to tell me ( his words ). Then he told me that I should reach out to the company that supposedly received the funds. Why would that be my responsibility? 
In the meantime, I tried calling UMB Fraud Department on my own since it appear that the branch was unable and unwilling to do their job. The first number I called ( I got the phone number from the branch office ) told me they couldn't help me unless I could give them the debit card number. There is NO debit card issued on this account. I was then transferred to several other departments, and absolutely no one could help me. I can't believe a bank doesn't have a FRAUD DEPARTMENT. The bank manager has not responded to my emails and we have had no communication from anyone at the branch. They are completely unwilling to help recover our loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND COMFIDENTIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I HAVE NOTICED ON MY CREDIT REPORT SOME THINGS ARE NOT ACCURATE AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVERE 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 i 5 they are supposed to do this ( 5 ) treatment of I DEMAND IMMIDIATE REMOVAL OF ALL INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Kriya Capital, LLC
State: SC

Complaint narrative:
Immediate Verification of Alleged Debt under oath Required NOTICE to : XXXX  and XXXX  and XXXX XXXX XXXX I am a federally protected consumer, a natural person under the Fair Debt Collection Practices Act pursuant to 15 USC 1692a ( 3 ) and I hereby demand prompt verification of the alleged debt under oath to lawfully verify documents as factual evidence. Provide irrefutable evidence of its authenticity, legitimacy and alleged debt origin including but not limited to ; 1. A signed Original Agreement with both parties ( Myself & Credence Resource Management Signature showing meeting of the minds. 2. Full disclosure of Credence Resource Management XXXX XXXX regarding collection of alleged debt. 3. Full disclosure of accurate numerical breakdown from zero to current alleged owed. 4. Confirmation of the statute of limitations. 5. Provide proof that Credence Resource Management can legally collect in the state of South Carolina by providing authenticated proof of company license number to do business in the state of South Carolina and is the holder in due course. I am demanding Credence Resource Management Pursuant to 15 USC 1692 ( g ) ( b ) to cease all collection activities until lawful verification under oath is provided to avoid violating my consumer protection rights. A timely response within 30 days is expected, in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Act ( CFPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-12 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XXXX XX/XX/year>2024, I requested Shellpoint Mortgage ( servicing provider for my XXXX XXXX XXXX loan ) to provide me with mortgage assistance options due to my recent XXXX XXXX  and reduction in monthly income. After conflicting information and keep telling me they have 30 days to respond, I was told to schedule an appointment with a mortgage assistance/loss mitigation representative. I had that call on XXXX XX/XX/year>2024 at XXXX and was told that Shellpoint can not offer me any mortgage assistance due to my account not being delinquent for three months. So basically they were telling me, without telling me, to not pay for three months and then I can potentially be offered options. Of course, this would be after my credit is ruined and there is no guarantee they would provide any financial assistance at that time. Even more, they could force me to repay the three months and if I can't, would force me into a foreclosure situation.

I was taking ever step possible to be proactive and prevent any kind of irriversable harm to my personal finances during this new chapter of my life, while also minimizing the stress and burden medical retirement has added to my life. Although I hope my XXXX XXXX is temporary while I focus on my health, the lack of support and options from Shellpoint has added another layer of stress. I thought mortgage assistance/loss mitigation options for customers was available to prevent these type of situations and not ruin someone's personal finances. To date, Shellpoint did not request any details on my personal situation, nor did they ask for verification of my reduction of income. You would think that is necessary to make any decisions about my case. Further, why did it take them 3 weeks to tell me this when they knew from the start that I would not qualify for anything they offer because I am currently not delinquent, much less three months delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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