vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: GA

Complaint narrative:
XXXX XXXX - XX/XX/XXXX - CLOSED ACCOUNT. Opened XX/XX/XXXX - Today, I contacted the number for XXXX XXXX from my Experian credit report. I was told that the account is currently in collections for the balance, although it reports Paid/Closed. I was advised that I should contact the bureau regarding how they are reporting the account. I informed XXXXXXXX XXXX that the claim was filed with the CPFB. They stated that they notified the store of where the merchandise was purchased. They stated they would send the update to the credit bureau. They provided email on where to send screenshots of how it was reporting in my credit. I spoke to the manager, XXXX. I requested the email of the CEO and they did not have it. They stated that they only report to Experian and XXXX. They werent sure on how XXXX reported when they dont report to XXXX . I disputed to the credit bureau in the past and was advised that the update was accurate information, although it is an inaccurate. For Experian, the reinvestigation information was unchanged and the Dispute Took place XX/XX/XXXX. XXXX has been disputed in XXXX, XXXX, and XXXX with no result or update.

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 2024-08-20 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: VA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-20 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: VA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from 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
Consumer complaint received 2024-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/year> I enrolled in the A+ Certification program at XXXX. Thereafter, I was unable to access their Online Program. Despite calling their Support line, I was unable to access their program. On XX/XX/year> I emailed my Instructor XXXX XXXX XXXX that I would like to Cancel Out of the Program. I was told by XXXX XXXX XXXX to contact the Financiers of my Loan. Launch Servicing.

Upon contacting Launch Servicing I was told that I could not Cancel as the 8 Days deadline for Cancellation had already passed. A quick note, On several occasions upon contacting XXXX Customer Service, I have been hung up on.

I have contacted Launch Servicing in writing of my intention to Cancel Out Of the Program. I have contacted XXXX and Launch Servicing after exchanging several emails.

WHAT I WOULD LIKE TO HAPPEN ; At this time I would like that Launch Servicing stop harassing me to collect on the Tuition. I have stopped using the XXXX services/portal. I would like to formally complaint that Launch Servicing Cancel me out of the program and stop Collection Notices. I am a Senior Citizen on Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
My account with those creditors 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 those account 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. 


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 explanation
Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT. 
THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS WITH THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by XXXX XXXX XXXX is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : Experian : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of XXXXXXXX  on the XXXX day of XXXXXXXX XXXX. The claim presented by XXXX XXXX XXXX has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.

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 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
XXXX I provided documentation of my husband 's enlistment into the military XXXX XXXX requested information from Arivo Acceptance over the phone about current interest rate on vehicle and to lower to XXXX % per SCRA and what documentation was needed XXXX I called the Arivo to get information on if our interest rate was going to be lowered, was informed that I could provide paystubs to state that he was XXXX XXXX, later that day I emailed copies of all paystubs needed XXXX Arivo informed me that they would not be able to accept the paystubs and needed other documentation to prove he was XXXX XXXX XXXX I provided official documentation stating that he was XXXX XXXX XXXX- XXXX XXXX I called multiple times asking when our new interest rate was to be enacted and why it hasn't, was provided no specifics and told it would happen XX/XX/XXXX I called stating that I was going to seek legal representation as we were unable to come to a resolution, spoke with a manager and was asked to give them one more week and that it would be complete XXXX I called and spoke with same manager and it was not completed and I provided the same documentation as before through email stating my husband 's XXXX XXXX status XXXX I met with a military lawyer to obtain next steps, drafted an email to send to arivo and was advised to submit complaint if I heard nothing from arivo regarding this issue XXXX I sent an email to previously mentioned manager stating, that I had been erroneously paying a XXXX  % interest since XX/XX/XXXX and that I was entitled to XXXX  % or less under SCRA. I continued by saying if something was not done in the next XXXX business days I would be filing a complaint with the CFPB, and further requested proof of receipt, proof of calculations, proof of rate change, and that the total amount to be credited to my principal balance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
Its showing on my credit report that I owe {$1100.00} & {$500.00} from XXXX XXXX XXXX. I disputed through mail several times recently & previously. Asking for signature l To date they have not fulfilled the intent of the fair credit reporting act which requires bureau, as a consumer reporting agency to maintain fair, accurate, and equitable to the consumer such as I. The law states 15 USC Section 1681 says that credit bureaus will follow reasonable procedures to assure the maximum possible accuracy of information concerning I the individual about who the report relates the requirements have not been met by their actions. They have not given me evidence of investigation by giving me names and addresses of persons contacted, nor have they removed anything found inaccurate. They have not removed any item for which no verification could be found within 30 days. The items were inaccurate & incomplete. Also federal law Act 15 USC 16811that they had thirty days to respond to letter for recertification of erroneous items. Federal law requires that upon request the creditor must provide the credit bureaus written proof that the account belongs to me the credit bureaus must remove the account from my credit file if this is not completed within 30 days and cease reporting all activity written proof is a copy of the contract I signed with the original creditor and not an e-Oscar response without sufficient proof. I asked who was the original creditor on this account and what was the account XXXX what was the original amount owed? Please provide a complete payment history! Starting with original creditor I asked for them to please provide with documentation that indicates I agreed to pay someone this sum of money. What was the original date of delinquency for account I asked for agreement that grants them authority to collect on this alleged debt or proof of acquisition by assignment. They failed to do so!! Please remove these 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 2024-08-20 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: IL

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt 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 2024-08-21 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: TN

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2024-08-21 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: TN

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX who impersonated himself as an employee of paypal was working on a case which my account was charged with fraudulent charges of around {$10000.00}. 
From XX/XX/year> to XXXX XXXX a total amount of {$9900.00} was withdrawn from my XXXX XXXX to purchase Bitcoin currency from XXXX. 
I contacted the Paypal office on a few days ago and was told that he is not an employee of Paypal and that there is no office in XXXX XXXX. 
I also contacted the Police department in XXXX XXXX and I was advised to file a IC3 report with the FBI.I complied and also filed a report with the FTC. 
I contacted XXXX on XXXX, reported the facts and a investigation was opened with reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NJ

Complaint narrative:
I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. 

I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
In XX/XX/year>, after moving out of my residence at XXXX XXXX XXXX, XXXX, I received a communication from Columbia Debt Recovery, LLC regarding an alleged debt related to move-out charges. The amount claimed is disputed because there is no contractual agreement between me and Columbia Debt Recovery, LLC that would make me liable for these charges. 

During my tenancy, I was approved for the XXXX rental assistance program. The agreement I signed, along with a bill released by the governor at the time, explicitly stated that certain charges related to the assistance program could not be sent to collections. Despite this, the company has continued to pursue the debt, claiming I owe move-out charges that should have been protected under this agreement. 

After receiving their communication, I requested physical validation of the debt, which they provided. However, I was never sent a physical letter to dispute this debt, as required by law. Additionally, this validation did not include any contractual agreement between me and Columbia Debt Recovery, LLC or XXXX XXXX XXXX, XXXX that would make me responsible for these charges. Therefore, I am disputing the validity of this debt and seeking the removal of this account from my credit report due to the lack of a legitimate contractual basis for the claim, the improper handling of the XXXX assistance agreement, and the failure to provide the required physical notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX XXXX my information were using without my knowledge.
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 explanation
Consumer complaint received 2024-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX my information were using without my knowledge.
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 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 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: MD

Complaint narrative:
I applied for a personal loan in early XXXXXXXX XXXX. I was not successfully contacted about this application until mid XXXX. I was informed at that time that the loan would be sent to underwriting and that I would be contacted with an approval status. I had not heard from The financial institution for several weeks so I followed up on XX/XX/2024 and they informed me that my application expired because it was incomplete. they stated that they would have to rerun my credit in order to re-process the loan Application. this is a derogatory mark on my already damaged credit report file and is unnecessary. Had they done their due diligence and been in contact in a timely manner this would not have been needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: CITIBANK, N.A.
State: NC

Complaint narrative:
A purchase was made from Best Buy. I never received item. They was contacted about this and was told from several different people from Best Buy they would refund my best Buy credit card acct. They never did this and and my account was charged off and closed. I had contacted the shipper and they informed me that Best Buy need to open a claim and they failed to do this. I have all the documents showing what I was provided from the Best Buy employees saying they would put the credit on my credit card and failed to do this. I have provided them with this and the credit bureaus of this. 


***I can Mail you all the documents showing all this if need be****

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