vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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 XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX 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 60 days 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are negative items being reported on my transunion account, but they are telling me that my reports doesnt have a history, and I have sent in documents that were requested.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
Several purchases for XXXX  XXXX XXXX by XXXX were made without requiring payment verification for a total of more than {$300.00} between XX/XX/XXXX and XX/XX/XXXX. My grandchildren were playing the free games I downloaded, but they DO NOT know my PIN and I did not use my fingerprint to approve the purchases. Verification was turned ON in the Google Play settings, but clearly didn't work. Google charged my XXXX account without verification. I disputed 1 charge which Google removed, but now the dispute button is gone so I cant dispute the other XXXXcharges!

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
Was desperate and needed cash because I had been sick and my son lost his job to physical problems. I was living on a fixed income and having to support my son also. I was looking for a part time job to help pay for this. I only borrowed {$4000.00}. The payments were {$440.00}. Which I thought I could handle. I made payments sporadically as I could afford. The payback was over {$7000.00}. They came back with an offer of a non interest loan with a payback of {$8000.00} and a lesser payment. I couldnt afford to lose my car so I agreed. I have been paying approximately XXXX XXXXXXXXa month since then because it was all I could afford. Now they are threatening repossession again. I dont know how I can pay more at this time. My son is able to work again and maybe I can catch it all up. The payback is my complaint. How can they charge all that interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Credit Control, LLC
State: GA

Complaint narrative:
Thgey are trying to collect money from XXXX - which they would probably scare the elderly out of paying them. they send emails every week

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 2024-08-02 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: 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I demand the following accounts be verified or deleted immediately. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain how you verified this late payment from XX/XX/XXXX when there was never a late payment of 30 days. 
XXXX XXXX Account XXXX : XXXX If unable to provide proof of this late payment and explain how you verified it then please update to paid as agreed never late. 

11. Please provide your method of validation on how this account was verified as accurate when it is a CHARGE OFF account reporting as open and with a PAST DUE amount of XXXX CRCU Account Number : XXXX If unable to provide your method of validation then please delete immediately.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has me listed as names I never went by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has address I was never associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX REMOVE THESE NAMES AND ADDRESSES OFF MY CREDIT FILE IMMEDIATELY, I HAVE ALREADY FILED FTC REPORT AND SENT DISPUTE INFORMATION IN TO EXPERIAN VIA MAIL. HAVE ATTEMPTED ON MULTIPLE OCCASIONS TO DISPUTE INCORRECT INFORMATION ONLINE, THEIR SYSTEM DOESNT NOT ALLOW ME IT INSTRUCTS ME TO CALL XXXX XXXX XXXX, BUT I CANT GET AHOLD TO LIVE AGENT ONLY OPERATOR

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 2024-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
received on my credit from collection management co XXXX XXXX dont know or never received any services if they do have please supply a bill my signature and id showing i recieved any services. THIS IS DEFERMATION WILL BE SEEKING LEGAL HELP TO RESOLVE THIS CASE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: OneMain Finance Corporation
State: FL

Complaint narrative:
DELETE HARD INQUIRIES In accordance with Fair credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C Section 604 a Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report agency 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 XXXX sever years. 

15 U.S.C 1681s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DELETE THE ACCOUNT BELOW 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see my attached Notice to file Suit, my break down of all transactions with XXXX  showing XXXX 30 days + late payments BUT INSTEAD a one time deferment plan set up then an immediate extra/over payment when it was due ( on time ). You now have 24 hours to fix this or you will be summoned to court and my attorney will be taken over in a class action suit. You guys are just taken their word not even seeing they close out compalints immediately with 0 proof to back them..they don't care and neither do you but I do when it comes to my livley hood and 7-10 years of being stuck in life because you guys mishandled my accounts!

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 2024-08-02 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: NC

Complaint narrative:
I am writing to formally request the immediate removal of an erroneous account reported by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on my credit report. Despite my repeated attempts to resolve this matter, XXXX has provided a response indicating that they have no involvement with the account in question, which was allegedly placed by XXXX XXXX XXXX. 

The details are as follows : Creditor : Orchard Place Apartments/WinnResidential Debt Collection Agency : Fair Collections XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : [ XXXX ] Date of Dispute : [ XX/XX/year> ] In my complaint to the Consumer Financial Protection Bureau XXXX CFPB XXXX, I highlighted that XXXX unlawfully obtained and utilized my personal and non-public information without permissible purpose or my explicit consent. Additionally, XXXX has failed to provide a debt validation letter and has continued to report negative information to Equifax and XXXX. 

FCOs response to the CFPB stated : " The account was placed with our office by creditor XXXX XXXX XXXX. Creditor retains ownership of the account. Our office denies the alleged violations set forth in the consumers complaint. Our office will not call the consumer or write the consumer. '' Given that XXXX asserts they have nothing to do with the account, their continued reporting of this erroneous account on my credit report is unjustified and in violation of the Fair Credit Reporting Act ( FCRA ). This erroneous information has caused significant harm to my credit score, resulting in financial losses exceeding {$10000.00} due to retraction of credit by creditors and repeated denials of credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
**Summary of Complaint : ** The consumer files this complaint against XXXX  for their willful refusal to provide account information and correct credit report inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple good faith efforts to request this information and dispute inaccuracies, XXXX has failed to comply with its FCRA obligations. This complaint seeks redress without further escalation. 

On XX/XX/XXXX, the consumer opened a {$10000.00} personal loan with XXXX through XXXX XXXX XXXX. The consumer has consistently made at least the minimum monthly payments of {$270.00} and, in some months, paid additional amounts toward the principal. XXXX has been reporting the account status as current and pays as agreed, along with the minimum payment due, actual payments made, and remaining balance each month. 

However, as of XX/XX/XXXX, XXXX has deleted the balance and payment history for XXXX and XXXX and reported incorrect balances for XXXX and XXXX, which show increasing amounts contrary to previous reports. This incorrect reporting has negatively impacted the consumer 's XXXX and XXXX XXXX scores by XXXX to XXXX points monthly. 

Despite reporting these issues to XXXX in XX/XX/XXXX, the consumer has not received the requested balance history information or corrections to the credit reports. As a last resort, this complaint is filed to seek redress and correction of the credit report without further escalation. Several emails and phone correspondences between the consumer and XXXX  XXXX  and account supervisors has not resulted in any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
**Summary of Complaint : ** The consumer files this complaint against XXXX  for their willful refusal to provide account information and correct credit report inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple good faith efforts to request this information and dispute inaccuracies, XXXX has failed to comply with its FCRA obligations. This complaint seeks redress without further escalation. 

On XX/XX/XXXX, the consumer opened a {$10000.00} personal loan with XXXX through XXXX XXXX XXXX. The consumer has consistently made at least the minimum monthly payments of {$270.00} and, in some months, paid additional amounts toward the principal. XXXX has been reporting the account status as current and pays as agreed, along with the minimum payment due, actual payments made, and remaining balance each month. 

However, as of XX/XX/XXXX, XXXX has deleted the balance and payment history for XXXX and XXXX and reported incorrect balances for XXXX and XXXX, which show increasing amounts contrary to previous reports. This incorrect reporting has negatively impacted the consumer 's XXXX and XXXX XXXX scores by XXXX to XXXX points monthly. 

Despite reporting these issues to XXXX in XX/XX/XXXX, the consumer has not received the requested balance history information or corrections to the credit reports. As a last resort, this complaint is filed to seek redress and correction of the credit report without further escalation. Several emails and phone correspondences between the consumer and XXXX  XXXX  and account supervisors has not resulted in any resolution.

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 2024-08-02 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: 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 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 2024-08-02 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:
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 non-monetary relief
Consumer complaint received 2024-08-02 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: IN

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief