vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
My accounts 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 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 explanation
Consumer complaint received 2024-09-06 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:
I just recently looked at my credit report XX/XX/XXXX from XXXX credit bureau I saw some hard inquiries that did not have my permissible purpose. I also attached evidence 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX XX/XX/XXXX 3.XXXX  XXXX  bank XX/XX/XXXX also again XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX Bank XX/XX/XXXX 7.XXXX/XXXX  XXXX  These inquiries have no permissible purpose to be on my credit report please delete these inquiries to violation 15 USC 1681b

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 2024-09-06 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: DE

Complaint narrative:
I am writing to follow up on my previous disputes regarding the removal of several inaccurate and invalid negative accounts from my credit report. Despite XXXX promptly resolving the matter by removing all the disputed items, XXXX and Experian have yet to take the necessary action. Your continued failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) is highly concerning and disturbing.

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 2024-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
The closing proceeds after selling my property where issued on XX/XX/2024 with Firstbank Mortgage in XXXX XXXX, XXXX XXXX. 
The mortgage loan department decided that the wanted to retain some tax deeds of my property until I give proof that everything of the property was paid in full, However, that case did not applied because the property was under HUD and it was considered exonerated, also because it was my first property. The bank made up a lot of excuses to retain {$5800.00} pertaining to the sale of the property. They only decided to give me {$800.00} back and remained with the rest. XXXX XXXX XXXX from the Mortgage Department ignored all my calls and emails and never responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MN

Complaint narrative:
I have no connection to these inquiries or the creditors mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: OR

Complaint narrative:
This is a known scammer. I am sure because they scammed my geriatric mother last month with the same scam and my mom gave them money. 
I got a phone call from a girl saying she was with the delivery service and she was trying to deliver me certified mail. She needed to know if I would be home within an hour and left me a message to call a number and provide a file number. 
When I called the phone number the lady on the phone said the call was from their delivery department and that she could help me and give me all the information I need. She told me she was with XXXX XXXX XXXX in XXXX XXXX California. She said there was a lawsuit against me and I was being sued by US Bank for a bank account. I had in XXXX. I informed her I never had an account in XXXX and then she told me that it was for an account I had in XXXX that was charged off And delinquent {$2000.00}. She said that they were serving me with paperwork from the XXXX XXXX court today and I needed to be home to receive those papers. She said there was going to be a lien on my house and my cars. She said to stop that she could work out a payment plan with me right away. I told her that I knew this was a scam and she told me that she just got off the phone with a girl named XXXX at the XXXX XXXX XXXX and they would be here in an hour to serve me. I called the XXXX XXXX court, and they said they do not process business that way, and I do not have any lawsuits under my name. She confirmed that this was a scam. They called my mom last month and my mom fell for the scam. Do not give any mo ey or information to these people

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 2024-09-06 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : SPRING OAK CAPITAL Address : XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address:XXXX  XXXX XXXX XXXX XXXX, ALABAMA XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I created a user id for Experian Credit Bureau in order to freeze my credit. The only option to get to that point is to request a free credit report first. When I entered my SSN ( which I was hesitant to do ) it takes me to a page that states they are unable to identify my information and gives the phone number to call. 
I have been trying to call and get a live person all week to no avail. 
I need to speak to a live person to get this corrected so I can have online access to my data. 
I have completed this very easily with the other credit reporting bureau 's.

Please HELP

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 2024-09-06 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: AL

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 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 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 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reviewed my recent credit report and identified multiple fraudulent accounts that seem to have been added without my consent.

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 2024-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I have checked my XXXX credit report and realize there's an installment from the XXXX XXXX company with an amount of about {$12000.00}. I completely do not either apply for this type of loan in the history or know about the existing company. I assume that my identity has been compromised and I would like to exclude myself out of this installment since this is not mine and it will affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was transferred to Shellpoint XXXX. I am a XXXX XXXX and understand they have 60-days to onboard new loans. They sent me XXXX conflicting bills. XXXX for {$240.00} and XXXX for {$1000.00}, both due XXXX. I paid BOTH on XX/XX/XXXX. As of today XX/XX/XXXX, they still have not applied all of my payment amounts to my principal. They applied the {$240.00} to the required payment. On XX/XX/XXXX, they applied {$810.00} to principal, but not as of XX/XX/XXXX. AND XXXX XXXX, but the other {$240.00} paid has not been applied AND they are not applying as of the date paid. I spoke to XXXX at Shellpoint today, she opened a second ticket- task XXXX ( my first request was marked resolved but it was not ). She explained " I do not advise you to make payments for than your payment due because our system doesn't know what to do with it. It will either apply to all interest, principle OR unapplied, which sits there until ( the borrower ) calls in. '' OR she explained when the next payment is due, it may take that from unapplied. WHAT? Their entire job is to collect and apply payments. How can the " system not know what to do ''? She told me if I want to make additional principal payments, I should make them separately. 

While I appreciate the advise, this timeline and the explanation and efforts are unacceptable. To compound matters, my best-friend who is also CA Real Estate licensed is helping her elderly Dad ( XXXX XXXX XXXX XXXX with Shellpoint ( XXXX ) on his HELOC over crediting his payments. So I am aware this is not just happening to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Alliances, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I saw a delinquency report on my XXXX account. I was concerned because to my knowledge I didnt have anything delinquent. It was listed by First Portfolio Ventures, phone number XXXX. I called this number to inquire about the report. I was told that the last payment of the personal loan I had ( their reference number XXXX ) was not received. This loan was paid completely by automatic withdrawal from the company. From day 1, the money was in there for 4 or 5 years the life of the loan. No late or delinquent payments. Never a call to say the money wasnt in the account. Nothing. So I was perplexed. Why hadnt the last payment been taken out? I assumed the loan was done. Then 3 months later my credit score tanked. 
When I asked what happened they said the final payment was a different amount so they couldnt take it out without permission. I told them nobody ever called to tell me this and when the girl, XXXX looked through the file she said you are right nobody did. So I immediately asked what to do and paid it as soon as I got off the phone. I believe I had to go online to pay it. They credited it on XX/XX/XXXX. However they never removed the delinquency from my credit report. My score was up in the mid 700 range and now it is mid XXXX. My payment history for my credit has been impeccable. If you look at my report there is 1 negative thing in 7 years. I had tried to call and speak with a manager after the initial call and had to leave a message for someone to get back to me on XXXX occasions. Nobody ever returned my call. The last time I called they told me that the original owner of the loan took back all information and they werent allowed to do anything further with those accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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 am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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