vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
BWW LAW GROUP IS ATTEMPTING FOR THE SECOND TIME TO ERRONEOUS FORECLOSE ON US BASED ON SOMEBODY ELSES HOUSE. THEY HAVE SET A SALE DATE ON XX/XX/year>. IF THEY HAD BOTHERED TO VERIFY WHAT THEY ARE DOING, THEY WOULD SEE THAT THE NAME, BANK, NOTE, AMOUNT, ETC, ARE ALL DIFFERENT FROM THE SAME INFORMATION ABOUT OUR HOUSE. IT APPEARS THAT, BECAUSE MY MOTHERS MAIL IS BEING FORWARDED TO OUR ADDRESS, A MIX UP HAS OCCURRED AND OUR ADDRESS HAS BEEN CONFUSED WITH HER ADDRESS, WHICH IS DIFFERENT. MY MOTHERS HOUSE IS IN FORECLOSURE, AND THIS HAS BEEN CONFUSED WITH OUR HOUISE, RESULTING IN THE SAME SALE DATES BEING GENERATED FOR BOTH HOUSES. I HAVE HIRED A COMPANY TO HELP ME WITH RESTRUCTERING OF THE MORTGAGE. THEY HAVE STARTED THE PROCESS, WHICH IS CURRENTLY ACTIVE. NO FORECLOSURE ACTIONS SHOULD BE OCCURING DURING THIS PROCESS. THIS IS A VERY SERIOUS ERROR THAT MUST BE ADDRESSED IMMEDIATELY. IN ADDITION TO HAVING THE SAME EXACT THING HAPPENING LAST MONTH, I RECEIVED A DOCUMENT JUST BEFORE THE CURRENT EVENT STARTED SHOWING HOW THE INFORMATION HAS BEEN MIXED UP. THE DOCUMENT IS ATTACHED ALLONG WITH A TIMELY SENT AND RECEIVED NOTICE OF ERROR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: AR

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 XXXX out of XXXX 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 explanation
Consumer complaint received 2024-08-07 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: Orions Management Group, LLC
State: GA

Complaint narrative:
XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 


XXXX/XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was reviewing my Credit report and noticed that XXXX  information was 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 non-monetary relief
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
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 information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id

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 2024-08-07 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: KY

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-08-07 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: IL

Complaint narrative:
My account with EQUIFAX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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:
The existence of this account has caused me significant XXXX  to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 explanation
Consumer complaint received 2024-08-07 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:
*** THIS IS MY XXXX TIME ATTEMPTING TO GET THIS CORRECTED*** on XX/XX/XXXX I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
*** this is a clear violation under FCRA ** willful negligence in reporting i have provided XXXX  forma to show there is NO DEBT and the credit agencies continue to allow incorrect reporting for almost 2ys  and more in some cases i have attached : XXXXc for 1 ) XXXX XXXX XXXX ( debt has been discharged since XXXX  ) 2 ) XXXX XXXX XXXX ( debt has been discharged since XXXX  ) 2 ) XXXX XXXX XXXX XXXX debt has been discharged since 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 2024-08-07 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts were removed from my TransUnion credit report, but it was never removed. Please reach out to TransUnion in regards of removing this after the investigation results. I will attach them to this thread.

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 2024-08-07 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: 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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. XXXX. XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX has violated my rights., has violated my rights. 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 without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer reporting 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 information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that information is accurate.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dispute of ATM Deposit Error and Claim Denial The incident that occurred on XX/XX/2024, at a Regions Bank ATM located at XXXX XXXX XXXX XXXX, Ga XXXX. On that date, I attempted to deposit {$2900.00} into my checking account. Unfortunately, the ATM encountered an error during the transaction and returned {$1500.00} the {$1400.00} balance never went to my account and was not returned. The atm issued a receipt stating that my items could not be returned. I checked my account balance and it was not in my account. 
Upon realizing the error, I immediately went inside the branch and filed a claim. I was informed by the bank staff that an investigation would take XXXX to 10 days to resolve the issue. However, on the XXXX day, I received a notice indicating that my claim had been denied Following this, I contacted the bank for clarification. To my dismay, the representative I spoke with apologized but stated that there was nothing more they could do. When I inquired about the method of verification used to deny my claim, the banker was unable to provide a satisfactory answer. I specifically asked if the camera footage, which would clearly show me at the ATM making the deposit, had been reviewed, and whether the ATM had been audited to account for the {$1400.00} that failed to be credited to my account. 
It Is extremely concerning and unacceptable that my claim was denied without thorough investigation, given that the evidence, both video and the ATM 's cash audit, should clearly support my claim. The denial of my claim without reviewing the pertinent evidence is both unfair and unreasonable. 
I urge them to reinvestigate my claim and conduct a comprehensive review of the incident, including examining the camera footage and auditing the ATM. I am confident that these steps will validate my claim and lead to the rightful crediting of the {$1400.00} balance missing from my account.

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 monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: MS

Complaint narrative:
On XX/XX/2024 I sent a certified dispute letter to United Revenue requesting validation of an alleged collection account. The letter was delivered on XX/XX/2024 with a tracking # XXXX ; As of today I have not received any response from United Revenue. United Revenue continues to report negative, inaccurate information that they have not proven to be legally mine nor have they responded to the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase all of a sudden reduced my credit limit and ruined my credit score. I have always been on time in terms of payments and always paid more than the min required payment. Based on their letter, they reduced my credit limit simnifically based on XXXX score of XXXX from XXXX. Their action ruined my credit score and made it drop to XXXX XXXX I had done nothing wrong, as said always paid more than the min ahead of the deadline. They have immensely benefited from the very high interests and made handsome profits from my use of the credit cards, but they took the liberty of ruining my credit standing. When contacted, they rudely said this is what it is. This is a predatory practice and extremely unfair. Why the credit company that is benefiting handsomely should be allowed to ruin one 's credit score like this without any prior warning or notice. My credit score was ok before their unwarranted action and Chase must not be allowed to do this and ruin someone's credit like this while they are earning massively from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
I am going through bankruptcy, being represented by an attorney, and have opened a new banking account under advisement of counsel. Under advisement of counsel, I contacted Dave through their email support to submit documented revocation of authorization for Dave to attempt to debit any account of any venue. I have, in my letters to Dave, provided them my attorney 's contact information. Dave has consistently refused to acknowledge my legal revocation of authorization and continues to try to fraudulently charge multiple cards/accounts associated with the account. I have even gone into the account management and removed all listed/associated accounts/cards. Dave continues to ignore my revocation of authorization requests and continues to attempt to charge cards and accounts of all venues.

Company response to consumer: Closed with explanation