vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year> my payment for auto pay was taken out in the amount of XXXX the provider then applied my payment correctly on XXXX but not loan XXXX & XXXX. This has resulted in being {$38.00} and {$64.00} being considered missed payment. The other months since then the payments have been applied correctly. On XX/XX/year> they sent me a letter and I called that same evening and talked to a rep who said it would be investigated and then resolved. on XX/XX/year> I got another letter stating I am late I called on XX/XX/year> and the rep stated it can take 37 business day to complete the investigation. This is not my fault it is a system error and the reps keep stating I need to make a payment or if I can afford to make it. I do not trust that if I make the payment I would get the {$38.00} & {$64.00} back to my account. I just want it applied correctly it is not my fault the system failed and it is clear as day as to what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } IDENTITY THEFT ; using my identity to report inaccurate information FRAUD This account has the wrong balance I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. Lastly, Credit reporting agencies are required by federal law to obtain a consumer 's consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name. Enclosed are copies of ID and proof of mailing address. Sincerely, A COPY OF THIS LETTER WAS ALSO MAILD ON ( XXXX ) TO EQUIFAX XXXX ... ... ... ... ... ... .>>>>A COPY OF METRO-2 REPORT IS ALSO PROVIDED SHOWING ALL INACCURATE INFORMATION THAT IS REPORTING ON THIS ACCOUNT sincerely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX are fraudulently opened in my name. I have sent numerous letters providing proof that the accounts are indeed fraudulent. The bureaus have failed to accurately provide proof of a legitimate investigation as well as any documents with my signature or identification. The bureaus have also failed to report accurate information on my mortgage account which forced me to pay off early due to the incorrect pay statuses reporting as late when I have never paid late on account XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX - Late Payment XXXX XXXXXXXX - Late Payment XXXX XXXX - Repossession XXXX XXXX XXXX XXXXXXXX -Collection XXXX XXXX XXXX XXXX XXXXXXXX -Collection XXXX XXXX XXXX XXXX XXXXCollection XXXX XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXXCollection XXXXXXXX XXXX XXXXXXXX -Collection XXXX XXXX -Collection 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> Late Payment XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've tried on multiple occasions to remove an address from my credit file. I've provided copies of my mailing address, and my physical address. They refuse to update my profile, which is a violation of 15 USC 1681 e b.

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 2024-10-02 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-02 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: TX

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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.

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. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I was misled by XXXX XXXX regarding the true cost of my loan, which resulted in inflated payments and excessive interest charges. On the day of signing, I was pressured into accepting GAP insurance through aggressive sales tactics, but I was not informed about other add-ons like a warranty. When I asked how the car price increased to over {$30000.00}, I was told it was due to " taxes and fees. '' I later learned that the warranty and other add-ons had been automatically included in my loan without my consent. 

Shortly after purchasing the vehicle, I returned to XXXX XXXX to request the removal of all add-ons, including GAP insurance and the warranty. I was given the runaround, as they directed me to GM Financial, who sent me back to the dealership. Eventually, in XXXX, they removed the GAP insurance, but they failed to mention the other add-ons, despite my specific request to remove everything. It wasnt until almost a year later, when I tried to trade in the car, that I was informed I had been overcharged and that the warranty and other add-ons were still included in my loan. 

When I returned to XXXX XXXX in XXXX, I experienced hostile treatment. The finance director was dismissive, avoided eye contact, and treated me unprofessionally when I insisted on the removal of the warranty. Although they finally removed the warranty, my monthly payments and interest rate remained unchanged. Despite making multiple visits and attempting to resolve these issues, I have been left with an inflated loan and financial hardship due to misleading and predatory sales practices. 

As a vulnerable woman recently out of bankruptcy and in urgent need of a vehicle, I feel I was taken advantage of and manipulated. I am requesting a full recalculation of my loan without the unauthorized add-ons, an adjustment to the interest rate, and corrections to my credit report to reflect accurate payments. Additionally, I ask that all late payments caused by the inflated loan be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently reviewed my credit report and found that false information continues to be reported by TransUnion, XXXX, and XXXX. Despite submitting disputes, the credit bureaus have incorrectly verified this information as accurate. I am providing attached documentation that clearly proves these entries are not correct. This persistence in reporting inaccurate data violates the Fair Credit Reporting Act ( FCRA ), particularly section 623, which mandates that information provided to credit bureaus must be both accurate and complete. 

Given the proof provided, I request that you immediately remove this inaccurate information from my credit report. Continuing to verify and report false data is a clear violation of my rights under the FCRA. Please act accordingly to correct this issue and update my report to reflect accurate information only.

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 2024-10-02 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: TX

Complaint narrative:
I have recently reviewed my credit report and found that false information continues to be reported by XXXX, Experian, and XXXX. Despite submitting disputes, the credit bureaus have incorrectly verified this information as accurate. I am providing attached documentation that clearly proves these entries are not correct. This persistence in reporting inaccurate data violates the Fair Credit Reporting Act ( FCRA ), particularly section 623, which mandates that information provided to credit bureaus must be both accurate and complete. 

Given the proof provided, I request that you immediately remove this inaccurate information from my credit report. Continuing to verify and report false data is a clear violation of my rights under the FCRA. Please act accordingly to correct this issue and update my report to reflect accurate information only.

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 2024-10-02 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: WI

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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a notification on XX/XX/year> that someone had applied for a credit card in my name with XXXX XXXX. I immediately called XXXX and reported it as fraud. I was provided with case number XXXX and told the hard inquiry would be removed from my credit as the request was fraudulent. 

It is now XXXX and the hard inquiry is still on my report. I called XXXX XXXX back on XX/XX/year> and was told that they did everything required on their end to have the fraudulent credit inquiry removed and again provided with case # XXXX. I was told to follow up with Transunion. 

I called Transunion on the same day and they opened an escalated case to reach back out to XXXX to determine what happened. I was told I would hear within XXXX business days a determination. I was provided with case # XXXX by XXXX. 

I called Transunion back on XX/XX/year> as I have not heard anything from Transunion. I was told by the rep I needed to file a CFPB report in order to have the inquiry removed. I was not happy with this as I reported the fraud and XXXX did everything necessary to have the inquiry removed from my credit.

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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX 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 of 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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: RI

Complaint narrative:
A debt validation letter was sent on XX/XX/XXXX via certified mail and received by prince parker. The debt is being disputed by me as it is not my debt and prince parker did not answer the debt validation and dispute and continued collections with a new dispute date of XX/XX/XXXX. This debt is not my debt and no proof has been provided by the company of owing this dept or answer to the dispute in writing via mail.

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