vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
ABILITY RECOVERY SERVICES LLC {$1500.00} My information was exposed in several data breaches and several accounts were opened with unauthorized, fraudulent use. 

XXXX XXXX XXXX  {$1500.00} ABILITY RECOVERY SERVICES {$1500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - unauthorized, fraudulent use

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 2025-01-04 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: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

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 2025-01-04 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: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

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 2025-01-04 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: FL

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Against Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XX/XX/XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XX/XX/XXXXdays before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : High Balance : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
Balance Owed : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
Credit Limit : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
I contacted Advance America around XXXX XXXX, XXXX, to rescind authorization to take money from my checking account for payment of a loan. I was assured that this was all that needed to be done and no longer would money be taken from my account. On XXXX XXXX, XXXX, there was a check processed for {$280.00} and taken from my checking account. I do not write checks, nor have I authorized an electronic check for a very long time. It was a check made out by " me '' to Advance America, but I did not write this check, nor did I authorize it. My XXXX XXXX 's customer service line was closed since it was Friday evening a little after XXXX p.m. central time, so I contacted Advance America 's customer service and explained to the representative what happened and how upset I was. When I finally got to speak with a supervisor, and I told her that I had rescinded payment authorization for my checking account, she said when it goes into default, that the rescind was voided and would have to be done again, and they had a right to write themselves a check from my account because it was on page XXXX of my agreement ( buried in the fine print, obviously ). She said they would enter in another rescind payment authorization on my account, but they could not return the money they took, which was all the money I had, and it was from my Social Security, which is federally protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
It been a while but I moved around a lot to keep up with dates XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Ricart Financial Services
State: WI

Complaint narrative:
There were fraud credit reports pulled with my 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  XX/XX/XXXX none of these were ever authorized by me but someone using my social as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SECURITY FINANCE CORP
State: WI

Complaint narrative:
There were fraud credit reports pulled with my 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 XXXXXX/XX/XXXX none of these were ever authorized by me but someone using my social as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I was over charged by Lexington law repair credit union and did not receive the help I was told

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
My account with the following companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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.

The following companies 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 explanation
Consumer complaint received 2025-01-04 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I entered into a lease agreement with Acima ( XXXX # XXXX ) to finance a couch from XXXX XXXX. According to Acimas lease policy, I am entitled to cancel the lease at any time before receiving the property without penalty. Despite never receiving the couch, Acima has refused to cancel the lease, claiming they need a response from XXXX, which has been unresponsive since XX/XX/year>. 

XXXX delayed delivery multiple times, first promising the couch on XX/XX/XXXX, then XX/XX/XXXX, and finally XX/XX/XXXX. To date, I have received no updates or delivery. Research shows XXXX has a history of complaints for failing to deliver products, prolonged delays, and poor-quality merchandise. 

I formally requested Acima to cancel the lease and refund my payments, as outlined in their policy. However, Acima says they will continue to charge me biweekly payments and insists on waiting for XXXX response, despite their own cancellation policy allowing termination prior to receipt of the property. 

This situation has caused financial strain and frustration, especially as I spent the holiday season without the couch. I have reached out to both companies multiple times, but the matter remains unresolved. 

Desired Resolution : 1. Cancel the lease immediately, as I have never received the property.

2. Refund all payments made since my cancellation request.

3. Confirm cancellation and refund in writing.

I expect CFPBs intervention to hold Acima accountable to their lease terms and ensure a fair resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: 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 XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-04 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: GA

Complaint narrative:
I am writing to inform you that my identity has been stolen, and I need urgent assistance in resolving this matter. Upon reviewing my credit reports, I discovered several accounts and inquiries that I do not recognize and did not authorize. These fraudulent accounts and inquiries have caused me significant concern. 



To begin addressing this issue, I request the following : XXXX. Please place fraud alerts on my credit files with XXXX, XXXX, and Experian to ensure additional verification is required before any new credit is opened in my name. 

XXXX. I request the immediate removal of any fraudulent accounts and inquiries from my credit reports, as I work to recover my identity and prevent further harm. 



I am currently in the process of gathering additional documentation to support my case and will cooperate fully with any investigation required. Please let me know if any additional steps are necessary to initiate these actions or if you require further information from me. 



Thank you for your time and attention to this matter. I look forward to your guidance and assistance.

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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
After approved for 4 % property taxes ( previously 6 % ) for XXXX and XXXX, mortgage co BSI Financial was provided with all necessary docs XX/XX/XXXX. I requested re-calculation of escrow analysis still not received a month later. I pd the mortgage based on old escrow analysis for XX/XX/XXXX. On XX/XX/XXXX, I was told it would take two weeks and heard nothing. When I called back XX/XX/XXXX they said This will all be straightened out just give me 2 days ( XXXX XXXX ). On XX/XX/XXXX via email, Its a process per XXXX XXXX. Ive provided all documents. Today XX/XX/XXXX XXXX XXXX stated my refund from XXXX was sent to BSI as well as the refund for XXXX tax yr. I emailed XXXX XXXX today XX/XX/XXXX to find out if they received the refund to which he responded Its a process. Despite having the new property tax amount showing 4 %, BSI STILL pd XXXX XXXX at 6 % XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial
State: TX

Complaint narrative:
On XX/XX/XXXX i sent my vehicle to XXXX to get the a/c repaired. The company offered to finance the repair through a creditor called KOALAFI. I was told if I pay off the entire balance of {$2300.00} ( labor/parts ), I would not be charged interest. On XX/XX/XXXX, I paid off the remaining balance of {$1300.00} after making monthly payments. Turned out, the creditor did not warn me that my time limit was approaching and I miscalculated the 90 days by 4 additional days. They are now wanting to charge me {$1900.00} in interest for being 4 days late. I think the creditor is trying to take advantage of the situation to make a big profit for themselves and is not acting in a prudent manner. Ref Invoice # XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
Im devastated after seeing inaccurate accounts on my credit report this morning. Ive always been diligent about monitoring it, and now Im faced with something I dont know how to handle. I refreshed my browser, praying it was just a glitch, but the issue remains. Im desperately asking you to go over the documents I sent to make sure this nightmare is resolved.

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