vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: WI

Complaint narrative:
I have called several times ( also answered unmarked phone numbers marked as spam or robo calls ) wherein the debt collectors threaten with legal action. In the beginning I asked about repayment, I dont even have specific dates as it was so long ago Ive gotten different phones since then ( Im talking over XXXX  years ago ). I am being harassed by Sallie Mae at least XXXX to XXXX  times a day via text or call. They also send at least XXXX emails every single day even though I have explicitly asked them to send paper mail only, Of which I get plenty, which is unnecessary. I consider this harassment they contact members of my family, my job and people who do not have any connection to my loans whatsoever nor my cosigners. According to the statute of limitations, these loans are past their XXXX years for XXXXof which I get plenty, which is unnecessary. I consider this harassment they contact members of my family, my job and people who do not have any connection to my loans whatsoever nor my cosigners. According to the statute of limitations, these loans are past their XXXX years for Wisconsin and debt collection is unlawful at least XXXX of these loans. Therefore they can not sue. They are threatening to sue and the amount they threaten to sue for is by no means plausible in court. They are threatening and harassing me via email and discussing legal action where they can not do so via the statute of XXXXThey are threatening and harassing me via email and discussing legal action where they can not do so via the statute of XXXX  's limitations on debt collection and I will threaten to as well. I know they are connected to XXXX and their business is shameful. I have gotten calls TODAY and have tried blocking them but they still find a way. I have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: WI

Complaint narrative:
Info on my credit report is incorrect UNDER FCRA SECTION 609 15 U.S.C. 1681i,1681g, 604 15U.S.SC. 1681b, 623 15 U.S.C.1681s-2,611 15 U.S.C. 1681i, I REQUEST VERIFICATION OF DEBT, INQUIRIES WERE MADE WITHOUT MY PERMISSION, I HAVE RIGHT TO PRIVACY. REPORTING DEBT THAT DOES NOT BELONG TO ME IS ILLEGAL. I WOULD LIKE FOR ALL ACCOUNTS TO BE BLOCKED AND DELETED FROM EQUIFAX. PLEASE REMOVE ALL ACCOUNTS, THE FOLLOWING ACCOUNTS ARE FRADULANT. THE FOLLOWING INQUIRES ARE UNAUTHORIZED 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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. 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!

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 2024-10-24 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:
Ive found multiple unauthorized accounts on my credit report. Please remove these fraudulent entries 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 explanation
Consumer complaint received 2024-10-24 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: MI

Complaint narrative:
State of Michigan XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on Experian, XXXX and, XXXX XXXX. 
Reinvestigation : I would like a reinvestigation on these account pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( b ) ( iii ). 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report : 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  These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me. 
Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error. 
Late payments : I dispute the accuracy of the following late payments listed on my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and, XXXX XXXX XX/XX/XXXX. These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error.

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 2024-10-24 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 dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experiam has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
they text me with a link asking me to pay a debt with no explanation. I dont click the link i have no idea who they are. I called the number provided and spoke with a lady that was clearly in her car driving. I asked her to identify the debt and provide original document or original creditor she hung up. The number i called is 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 2024-10-24 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please see attachments for further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have never been late in paying any accounts, and I always pay on time and did not give written consent for the reporting of these late payments. The account with reported late payments on my credit report is inaccurate and does not reflect my actual payment history. Ally Financial 's reporting of this late payment violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as they failed to ensure accurate reporting. I request immediate investigation and that the status be changed to " on time, '' reflecting my true payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I bought an Apple XXXX XXXX a year ago and paid using Apple Card installments ( it's a Goldman Sachs card ). In the last couple of weeks I traded that watch into Apple using their Trade-In Program and bought an Apple XXXX XXXX XXXX XXXX I still have a bit over {$270.00} in installments on my old Apple XXXX XXXX but it was traded in successfully which means Apple now owns and possesses it. I no longer have it or have any access to it or any way of getting it back. I have my new Apple XXXX XXXX XXXX. I. expect to pay installments on my Apple XXXX XXXX XXXX obviously because I have received that watch and am wearing it. But Apple Card is forcing me to continue paying the installments on my old watch. I was promised a trade in value of {$340.00} for my watch but since I have to keep paying Apple over {$270.00} for a watch that is now in their ownership and possession and for which I have no access to, I obviously won't even receive the value of the trade in. I expect only to make payments on the watch I have. I don't expect to give Apple back my old watch, lose the trade in value, and then literally have to pay Apple installments for many more months fo giving them back the watch. They get the watch back but I'm paying them to own it. It does not make sense to me and customer service won't help me. They say I have to pay Apple to keep my old watch. This is nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, 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 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 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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are several accounts on my credit report that were added without my consent. I request that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

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 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 2024-10-24 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: AR

Complaint narrative:
I DECIDED TO TAKE A LOOK AT MY CREDIT FILE AND NOTICE THESE FRAUDULENT ACCOUNTS LISTED 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 non-monetary relief