vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
My father XXXX XXXX passed away XXXX years ago. He has XXXX homes in his name, one which he purchased for me and I always paid the monthly mortgage. Deed finally got put in my name but mortgage still in his. Trying to get everything in my name and ran into a Lien placed on his name which I had no idea about. The judgement says one amount and my dads actual address but my title company says it will attach to all his properties. Also Lien company is tagging interest of {$4000.00} extra on. Company will not take my calls to try and come to a resolution for something that isnt mine and my dad has been gone XXXX years. Just looking for some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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:
Fraudulent accounts are on my report that resulted from identity theft. I have notified Experian and provided my identity theft report but the accounts are still on my 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 explanation
Consumer complaint received 2024-07-26 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: GA

Complaint narrative:
My account with XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX Driver License XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXXXXXX [ XXXX ) Account # XXXX Routing # XXXX Regions Financial ( XXXX ) Account # XXXX Routing # XXXX XXXX XXXX  ( XXXX XXXX Account # XXXX Routing # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX

Company 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-07-27 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: FL

Complaint narrative:
I was reviewing my credit report today and noticed a collection from XXXX # XXXX on my account that I have no acknowledgement of nor did I give anyone authorization to use my information. I contacted the company and notified them that the account was fraudulent and this collection belongs to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
They have medical bills in collections and never gave me proper documentation of this debt Im asking to provide under the U.S. code 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: MA

Complaint narrative:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXXXXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, a fraudulent merchant charged my CashApp card {$220.00}, despite being previously blocked for fraudulent activity. This merchant has been blocked since last year, and previous attempts to charge my account were declined. Today, they managed to charge my account and withdraw {$220.00}. 

Despite my recent card replacement due to previous fraudulent activity, the merchant was able to charge my new card. CashApp customer service informed me that the merchant somehow forced the transaction, which is unacceptable as it bypasses their blocking system. 

Dates, Amounts, and Actions Taken : Date of Unauthorized Charge : XX/XX/year> Amount Charged : {$220.00} Actions Taken by Me : Contacted CashApp customer service immediately. 
Informed them of the blocked merchant and the unauthorized charge. 
Requested an immediate reversal of the charge. 
Filed a report with the XXXX Police Department ( case number : 2024 XXXX XXXX ). 
Awaiting a response from CashApps supervisor via email. 
Actions Taken by CashApp : Customer service acknowledged the unauthorized charge but stated they couldnt assist until the payment is no longer pending. 
Provided no satisfactory explanation for why a blocked merchant was able to charge my new card. 
Supervisor to reach out via email for further assistance. 
This situation has left me financially vulnerable, and I urgently need the unauthorized charge reversed. The payment should not have been allowed to pend, and I request immediate action from CashApp to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX from XXXX XXXX XXXX XXXX - {$1100.00} date opened XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  - {$1400.00} date opened XX/XX/XXXX XXXX XXXX XXXX from the XXXX XXXX XXXXXXXX {$1100.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX  - {$570.00} date opened XXXX, XXXX XXXX XXXX, XXXX XXXX for {$460.00} date opened XXXX XXXX XXXX XXXX for $ XXXX date opened XXXX, XXXX XXXX XXXX XXXX for {$530.00} date opened XXXX, XXXX XXXX XXXXXXXX XXXX for {$860.00} date opened XXXX, XXXX XXXX XXXX XXXX fro {$650.00} date opened XXXX XXXX. 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.

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 2024-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX from XXXX XXXX XXXX XXXX - {$1100.00} date opened XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX - {$1400.00} date opened XX/XX/XXXX XXXX XXXX XXXX from the XXXX XXXX XXXXXXXX {$1100.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX - {$570.00} date opened XXXX, XXXX XXXX XXXX, XXXX XXXX for {$460.00} date opened XXXX XXXX XXXX XXXX for $ XXXX date opened XXXX, XXXX XXXX XXXX XXXXXXXX for {$530.00} date opened XXXX, XXXX XXXX XXXXXXXX XXXX  for {$860.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX  {$650.00} date opened XXXX XXXX. 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
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 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 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: CA

Complaint narrative:
A few months ago, I examined my credit report and discovered inaccuracies regarding the accounts : 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  ). These is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditors, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I deposited a check in my Wells Fargo Business checking account for {$29000.00}. This was a check from my XXXX XXXX XXXXXXXX checking account. So I can see the the account activity and withdraw from the XXXXXXXX XXXX  Account on XX/XX/year>. On XX/XX/year> I received a letter from Wells Fargo saying that the funds from the check were being held until at least XX/XX/year> do to insufficient funds at the time of inquiry or XX/XX/year> or the day that Wells Fargo withdrew the find form XXXX XXXX. The fund can not be insufficient and still withdrawn. 

Wells Fargo is fraudulently withholding funds for 10 days for a fraudulent reason. If they do that to just a small percentage of customers, they are making millions off of customers. 

I tried to get help on the phone and at my local brand and they would not explain their actions. I have all documentations for proof of my complaint. This is 100 % fraud by Wells Fargo. The XXXX XXXX XXXX manger confirmed my claim as well.

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 2024-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
This is a followup to a previous claim XXXX. The complaint process is listed as complete and closed however, there are outstanding questions and concerns which have not yet been addressed by the company, et al. 

These are the questions I submitted on XX/XX/XXXX : XXXX ) Why was I not informed that the refund should be returned? There were no conditions or stipulations communicated when I requested or received the refund check, or at any time to this day. XXXX ) Why was I not informed that the loans were being transferred to AidVantage? XXXX ) Why was I not made aware that the balance was being reinstated on my XXXX XXXX? XXXX ) Why was I not informed that the refund would need to be returned before the XXXX forbearance ended? I was not given the opportunity to have the paid in full status reinstated as I was not informed that it was due or of the deadline. XXXX ) Why was I told by AidVantage that my loans are currently in forbearance which would mean the loans were not accruing interest yet, according to the company 's CFPB response, interest has been accruing since XX/XX/XXXX? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: IN

Complaint narrative:
Unauthorized Hard Inquiries.

To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which constitutes securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : Equifax XX/XX/XXXXXXXX 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 2024-07-27 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: NV

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-07-27 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: TX

Complaint narrative:
I am writing to follow up formally to dispute inaccurate information that remains on my credit report despite my previous attempts to resolve this matter. This is my attempt to correct the incorrect late open accounts listed on my credit report. Despite these efforts, the inaccuracies persist. The incorrect late open accounts are adversely affecting my credit score and causing me significant distress and inconvenience. 
I urge you to correct these errors promptly and send me an updated copy of my credit report. Please also provide me with the results of your re-investigation in writing. I believe the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute information and expect a timely and accurate correction. These are the accounts I want to be corrected : XXXX XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$100000.00}.

Company response to consumer: Closed with explanation