vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Equifax : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current. 
The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
XXXX. High Credit Discrepancy : XXXX and XXXX : List the High Credit as {$510.00}. 
Equifax : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
XXXX. Future Reporting Dates : XXXX and XXXX : " Last Reported '' date is XX/XX/XXXX. 
Equifax : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
XXXX. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
There is an account with XXXX  ( already reported to CFPB ) that is an unknown account which I never opened or allowed anyone to use my information nor gave my information to anyone to use. This account went into collections in 2023 which I have already multiple reached out to XXXX " Chapter Communications- Fraud department for debt collections to remove this account and not sell it to any other collection agencies nor third-party agencies. But somehow it keeps getting sold to other collecting agencies like this current agency CBE Group that is now showing up on my credit report and negatively affecting my credit. I have a letter from Chapter Communications advising that the account would be closed and sold anymore and nothing else should show up on credit report related to this account with spectrum for {$290.00}. Also now for sure I reporting a complaint on CBE Group for acct # : XXXX to be removed. Please I need this item removed from my credit report and not ever sold to another collection agency because ITS NOT MINE. I have already complete an identity theft packet with XXXX ' Chapter Communication ( original creditor ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
My children received dental care at XXXXXXXX XXXX XXXX in XXXX, MI for years. Their father is responsible for the costs but the office refused to send bills to him. The office refused to send him statements or call him regarding any money owed despite my request to do so many times. Any time I called about bills they acted confused and did not even have his address on file despite giving it to them many times. I told the office many times to send my ex the bills and he never received them. He holds the insurance for our children. My child whom I do not share with XXXX XXXX are on XXXX as we are a low income household. The dental office also knew this. I also never received written notice that the bill was sent to collections. Instead, the secretary at that office threatened that if I did not pay it ( despite being a single mom of XXXX and their refusal to send XXXX XXXX the bills ) that they would take me to collections. She made this threat after I informed her that I was not responsible for these bills and to mail them to XXXX XXXX. Again, XXXX XXXX never received these bills so they could not be paid. Now my credit is ruined and I do not have a grand to pay off the debt.

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 2024-12-30 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: CA

Complaint narrative:
Unauthorized Hard Inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 Year Term Ended ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-12-30 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 am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are incorrect.

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 2024-12-30 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting 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. 




XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I switched to XXXX back in XXXX and was told if i turn in my old phones i would get credit in store to pay off the left over of those new phone i got from XXXX And they told me to wait 6 months via mailing address. I waited and nothing come so i went back to the store talked to the manager and they changed the story by saying that i have will receive a email with the code for the credit from the old phones and they told me that its expired. I told them how is credit that was sent to me expired if you guys provide it and never told me it was going to my email. I got mad left and refuse to pay something i was wrongfully informed. Then i received a notice that this will go to my debt collection, and it has been 6 years going into 7 years with that debt keeps refreshing every year and still appearing under my account like if i just obtained this debt collection as of XX/XX/XXXX. Which is a lie and should of been cleared by now. XXXX  said they sent me an email with the credit back in XXXX and i still haven't seen it in my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
Please see attachments to remove an account from 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
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge Pite, LLP
State: WA

Complaint narrative:
Unauthorized Deed of Trust Alteration : The Deed of Trust was modified without our knowledge or consent, including an unapproved change of the Trustee. Although we were given notice of this change, we were not part of the process and did not provide consent because we were not aware of it until after it occurred. According to RCW 61.24.040 ( Washington Deed of Trust Act ), any alterations to the trustee must be documented in writing and signed by all parties involved. This did not happen in our case. Moreover, RCW 19.144.110 ( Consumer Protection Act ) prohibits unfair or deceptive practices in commerce, which is exactly what we experienced. 

Despite being fully aware that we are victims of mortgage fraud and identity theftan issue we have reported to XXXX and the XXXX continued to pursue a fraudulent tradeline and allowed the alteration of the Deed of Trust. This blatant disregard for legal obligations and consumer protection laws underscores a troubling pattern of predatory practices. This situation has not only drained our finances but has also caused immense emotional distress, severely impacting our well-being and sense of security. 

We urge immediate action to investigate these violations and hold those responsible accountable. The integrity of the real estate process and the protection of consumers like us are at stake. 

Please note that the identity theft report provided is for the fraudulent tradeline in question and is under my husband 's XXXX XXXX. To clarify, I am on the deed, not on the loanI provided the downpayment funds and the source has been omitted by Escrow and Loan servicer. I have been contacted directly by CLEAR Recon Corp about this matter via US mail ; therefore, I feel compelled to do a report. As a defrauded buyer, I am advocating for restoration. I have provided verification of being contacted directly in the attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-30 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX  was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-30 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have had a few fraud issues with transactions this past year. The bank would notify me and ask if I made withdrawal, and if I had not, I would cut up the card and get a new one and money eventually added back to account. Due to these issues, I would check my account almost daily. XXXX XXXX, XXXX, I noticed a withdrawal of {$1100.00}, from XXXX XXXX in NY on my debit card ending in XXXX. I called the bank immediately to tell them I had not made that withdrawal. ( No warning messages from the bank this time. ) They issued a new card, and said I would hear from them in 7-10 days. I said that was too long for that amount of money so they sent me to the fraud dept which gave me a provisional credit on XXXX XXXX, XXXX  while they reviewed the case. That became reference number XXXX. On XX/XX/XXXX I had another issue where someone had used an ACH for {$1000.00}. I found that withdraw right away and called the bank and they put a STOP on that payment and fortunately no money was taken out of my account. I only mention this as it has been confusing with two amounts close to the same figure, and I had not heard anything back concerning the reference number above XXXX, the provisional deposit. We thought it had been resolved by this time almost XXXX weeks later. ) On XX/XX/year>, we received a letter form WF saying the XXXX XXXX issue was authorized, a digital transaction, and therefore they would be taking the provisional credit back of {$1100.00} from our account, which they did on XXXX. 
We went to the local WF and they could not talk to us about fraud case so had us call from their office. Since then, it has been bumped up for review twice and dismissed both times. I did not make that purchase in NY. Whoever did, used my name but a different shipping address. Because she had my email, I was sent the receipt for the purchase and called the bank and gave them the address of the person making the purchase.. She also went in and changed my address on social media accounts and some shopping places. I do not know if they ever followed up on that. I filed a police report because {$1100.00} is a lot of money and I couldn't let it drop. I filed the report, I with XXXX XXXX on XXXX at the XXXX XXXX Police XXXX XXXX XXXX XXXX XXXX SC XXXX I then called XXXX XXXX who we have been with a little over a year this past XXXX. They asked me to fill out this report. 
Why did we hear back 2 months later? Why didn't I get a warning message about withdraw from WF? On each review I called and asked them to please call me and they said keep your phone close for the next 24-48 hours, and no one ever reached out to me concerning XXXX XXXX, and the denials.

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 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Company : SUNRISE CREDIT SERVICES , INC . 

Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/year> Balance : {$1000.00}

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 2024-12-30 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: GA

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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Terrill Outsourcing Group
State: NJ

Complaint narrative:
I requested a loan from XXXX ( XXXX XXXX XXXX  ) because I had bills for my mothers hospitalization in another country, XXXX. I intended to pay it off like I have always done with all my debts. 
In XXXX last year, I started having pain in my groin and back they could not find out what was wrong with me but I had dificulty walking. I even had a XXXX XXXX XXXX XXXX XXXX XXXX and they did not find anything until XXXX when I insisted on having XXXX  done and that showed I had advanced XXXX XXXX. 
I explained this to XXXX  but they told me they would transfer my accounty to Superlative RM who have been calling me from XXXX every few days demanding payment. I explained my situation but they said that they would keep calling me and demanding montly payments. 
I have informed them of my situation and reliance on friends and family for donations and loans or even selling clothing and house hold items to be able to feed myslelf but they said that is not their concern, they said their job is to get the full amount paid by any means necessary. 
I want to pay what I owe but at this time my goal is to at least get as much time alive as I can and then get a job to pay any debts and help my children before I eventually succumb to this illness. 
Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Accounts without my consent and I didn't benefit, Addresses that don't belong to me. 
Delete 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