vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made multiple requests for removal of this unauthorized inquiry that is not attached to anything on my account. 
- XXXXXXXX XXXX XXXX XXXX XXXX I have made multiple requests for removal of these wrong addresses and I have sent proof of my correct address. The company has added the correct address but did not remove the incorrect addresses. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple requests for removal without proof that I gave permission to share my information and there has not been any activity to rectify the issue. No proof that I gave permission nor removal, per 15 U.S.C. 1681b. 
- 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 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 2024-12-13 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which has led to the appearance of this unknown and inaccurate account. As a victim of identity theft, my personal information was used fraudulently, resulting in an item on my credit report that I have no connection to. Following the major bureaus ' instructions, I filed an FTC Identity Theft Report and submitted it along with the required documentation. However, despite my efforts, this fraudulent item still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: KS

Complaint narrative:
15 USC 1666b : Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

SELF never sent the periodic statement along with the disclosure from section 1637 ( b ) I have requested proof that this information was mailed and 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 note equitable to me as a consumer Delete the late payment from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
Medicredit calls me almost weekly. I have spoken to them every single time. They told me I owe {$45.00} for a doctor I had 100 % coverage with, and told them as long as the office billed it correctly, I shouldnt owe anything. I asked for a breakdown of charges and they couldnt give them to me, in fact, they gave me incorrect info and said its because the doctors out of network. Thats not true ; I went to this doctor several times. Its a copay amount that they didnt charge me at the visit because I always had 100 % coverageso someone billed something incorrectly after the fact. I have told medicredit this several times and told them I have to go now call an old insurance company, and my old doctors office who is in a state I dont live in anymore and havent for a long time. They called me again tonight, after I told the last representative the week or so prior, that I need time to look into this. The guy who called me prior to her, called around thanksgiving when I wasnt even home. I told him the same thing, and I told him I dont want anymore repeated calls, and I will contact them when I have more information. I also told him it wont be that week because of holidays. And I told him I may not even be this month that I get an answer. When they called me again tonight, I missed it and called them right back. The first woman hung up on me while I was providing my name and DOB. The second woman said its policy to keep calling people even if they have already spoken with them. She said she would add me to the do not call list, but Ive expressed more than once now that I dont want anymore repeated calls. Im busy! I am working on it! I am not going to pay a copay that I know wasnt supposed to be charged to begin with! I am taking my personal time to deal with this and I no longer live in that state, no longer go to that doctor, and no longer have that insurance. So I have to literally chase down something from almost 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MO

Complaint narrative:
Im disputing the false late payment reported on my XXXX XXXX  account ( # XXXX ). Ive always paid on time, and reporting this as late is completely unacceptable. Under 15 U.S.C. 1666b ( a ), creditors are prohibited from treating on-time payments as late, and this false reporting blatantly violates that law. On top of that, the FCRA, under 15 U.S.C. 1681e ( b ), demands MAXIMUM POSSIBLE ACCURACY, and this inaccurate information proves that hasnt been done. Since I already disputed this before and it still hasnt been corrected, its a clear violation of FCRA 611 ( a ), which requires a proper reinvestigation. Continuing to ignore these laws is willful noncompliance under FCRA 616 and 617, meaning I can claim up to {$1000.00} for every single violation. This false report is damaging my credit and causing unnecessary stress. I expect this late payment to be removed immediately, the account updated to " Paid as Agreed, '' and a full explanation of how this was verified along with proof of correction sent to me without delay.

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 2024-12-13 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:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
consistent emails and letters mailed when asked to stop since original contract couldnt be provided by them. it was bought out by third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: PA

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

Company 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 2024-12-13 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: PA

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

Company 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 2024-12-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have fallen victim to identity theft, and my personal information has been used fraudulently, leading to items appearing on my credit report that I have no connection to. Following the major credit bureaus guidance, I filed an FTC Identity Theft Report and submitted it along with the necessary documentation. Despite these efforts, the fraudulent items continue to remain 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 2024-12-13 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ Your Phone Number ] [ Your Email Address ] XX/XX/year> To Whom It May Concern at the CFPB, I am submitting this formal dispute regarding inaccuracies in my personal information on my credit reports as provided by XXXX. These inaccuracies have negatively impacted the accuracy of my credit profile, and I am seeking your assistance in resolving these issues promptly.

Details of Disputed Information : 1. Incorrect Name : My name is incorrectly reported. 
Correct Name : XXXX XXXX XXXX XXXX. Incorrect Address : My current address is incorrectly reflected or missing. 
Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Steps I Have Taken : I have contacted the credit reporting agency, XXXX, to address this issue but have not received an adequate resolution. The inaccuracies persist, and I am unable to confirm whether the appropriate steps are being taken to update and reflect the correct information. 

Impact of Inaccurate Information : Having incorrect personal information on my credit report poses significant challenges, including potential misidentification, adverse credit decisions, and improper reporting of accounts. This is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. 

Requested Resolution : I respectfully request the CFPBs assistance in ensuring XXXX : 1. Updates my name to reflect XXXX XXXX XXXX consistently on my report. 
2. Corrects my address to reflect XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX and removes any outdated or incorrect addresses. 
3. Notifies any creditors or organizations that access my credit reports of the updates to avoid further miscommunication.

Supporting Documentation : I have attached the following to verify my identity and address : A copy of my government-issued ID. 
Proof of address ( utility bill or bank statement ). 
A copy of the credit report showing the disputed information highlighted. 

Legal Basis for My Request : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Failure to do so can result in financial and reputational harm to consumers like myself. I trust that the CFPB will assist in enforcing compliance with these standards. 

Please let me know if further information or documentation is required. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-13 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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 accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2024-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood has absolutely no way to get suppprt. I am unable to wire or transfer money out of the account in any capacity. I have high risk verified myself with my id and live face scan over 20 times and attempted every kind of transfer in every about but in the end they block the transaction for my security.

Their chat support feature never connects to an agent. I have tried over 20 times in 2 weeks and a live person never comes online.

There is no phone support, regardless of what number you call and even after entering your account information for a call back in the end it says they can not process the request and hangs up.

My money is being held hostage and there is absolutely nobody to talk to in order to fix the issue.

Company response to consumer: Closed with explanation