vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: MO

Complaint narrative:
To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Employer - XXXXXXXX XXXX Employer - XXXX XXXXXXXX Incorrect Current Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX CT, XXXX, FL 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 2024-09-11 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: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
collection XXXX XXXX XXXX XX/XX/year> {$1800.00} I declare under penalty of perjury ( under the law of the united state, if executed outside of the united state ) that the foregoing is true and correct to the best of my knowledge. further, i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. i also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company -without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. all is being investigated by the FTC. 
I demand you to remove this account from all 3 of my credit report asap or i will file litigation against your company for furnishing a false account on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have had the same loan with Suntrust/Truist bank for 20 years. I have always submitted the payment via bank bill pay, on time and with additional principal payment. The payment was submitted to the same address for 20 years. XX/XX/2024 the bank received payment of {$1500.00} for XXXX mortgage payment. This included the regular monthly payment of {$1100.00} plus additional principal of {$390.00}. The bank instead of correctly applying these amounts, instead applied the full payment to the Escrow account. I did not receive any notice or call from the bank and by chance discovered the mortgage was past due. I immediately contacted the bank to find out what was going on. They discovered the error and correctly applied the payments. I was not given any explanation as to why this occurred. 

On XX/XX/2024 the bank received {$1500.00} payment and applied this payment to escrow account. Again, I was not notified of the late payment due status due to the misapplication of the funds. I contacted the bank in XXXX to again let them know of the incorrect application of funds to the escrow account. This was corrected but I was still not informed as to how/why this was occurring. 

Subsequently, I was traveling for a month or so. I received notification from credit monitoring agency that there was a change in my credit score. I immediately checked my report to discover that Truist had reported my loan as 2 months past due and my credit score went from mid XXXX 's to mid XXXX 's. I immediately pulled up the account and discovered the both {$1500.00} payments received by the bank on XX/XX/XXXX and XX/XX/XXXX were misapplied to the escrow accounts. I did not receive ANY notice written or phone call from Truist before the negative information was reported to the credit bureaus, a violation of the Fair credit Reporting act. I requested an explanation as to why I wasn't notified, why this error by the bank was repeatedly occurring and why they have not fixed the problem. I have been in the process of looking to purchase a new home and this has severely impacted my ability to purchase a new home due to the negative credit score information reported by Truist. 

I have requested a letter of explanation but have not received any written correspondence and they have not corrected the false negative information on 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 2024-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: KY

Complaint narrative:
On XX/XX/year>, I completed an online purchase and financing for a truck through Carvana. I was approved, paid my money, scheduled to have my vehicle delivered on XX/XX/year>, I had a question, so I called carvana after the order was placed, the representative told me that my loan could not be approved and my money could not be refunded to me. I asked why it showed that I was approved and I was able to order the vehicle and the representative responded to me that that was just the way Carvana system is, I told her I wanted my money refunded. She said I would have to call my bank and have a stop payment put on it. I immediately went in and canceled the transaction. Put a stop payment on the deposit and the shipping fee. The deposit was $ {$3600.00} and the shipping fee was XXXX high immediately then called my bank and put a stop payment on those ACH is unfortunately the ACH for XXXX came in under a different name not completely Carvana so the ACH went through Carvana has no way of contacting now every time I try to call I get disconnected and they are refusing to give my {$690.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I want all NON MAILABLE " addresses to be removed. 
the only address that should be on my REPORT IS " XXXX XXXX XXXX XXXX '' XXXX CT XXXX. 
I WANT ALL PHONE NUMBERS REMOVED EXCEPT " ( XXXX ) XXXX '' I WANT ALL EMAILS TO BE REMOVED EXCEPT " XXXX '' ( 15USC1681 ) ( B ) inaccurate reporting I WANT ALL DISCHARGES OFF MY REPORT BECAUSE IT IS NOW A CERTIFICATE OF INDEBTNESS WHICH IS CONSIDERED TO BE INCOME.

15-USC-6805 RIGHT TO OPT OUT WHICH YOU DID NOT INFORM ME OF. 
I ALSO WANT TO OPT OUT OF EXPERIAN BUT I WANT THEM TO REPORT. 
GIVING OUT MY PERSONAL INFORMATION TO " ANY '' THIRD PARTY AFFILIATES VIOLATES MY RIGHTS UNDER THE FAMILY EDUCATIONAL RIGHTS PRIVACY ACT OF 1974.

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 2024-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WV

Complaint narrative:
The debt was originally sold to XXXX XXXX by XXXX XXXX. I settled the debt collection for {$1200.00} and now Jefferson Capital systems placed a collection on my credit for the difference between the original amount and the {$1200.00} I settled for. I tried to dispute on XXXX but it did not fix the situation. I still have the receipt from the debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: PA

Complaint narrative:
XXXX XXXX XXXX has contacted my XXXX  parents and release information that I am not even aware about. For the first time on XX/XX/year> I recieved a miss call from SRS. Also, for the first I recieved a letter in the mail from this SRS. I have no knowledge of a loan/credit from XXXX and/or XXXX XXXX XXXX. I am filing a complaint because SRS should not be contacting and harassing XXXX  parents of someone they have no clue is responsible. Please remove the contact information and stop harassing them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
My account with those crediotrs 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 those account 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.

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 2024-09-11 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information.

2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms. 
3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/year>, at the behest of Bank of America we applied for a HELOC in the am't of {$35000.00} with an initial loan rate of XXXX percent for XXXX months rising to XXXX percent after that. The B of A over a recorded line promised us if we were turned down we would within XXXX hours receive a phone call from a senior XXXX ( their words ) who would help us get the favorable loan rate we were seeking. My husband has a forty year relationship with B of A and has never declared bankruptcy or had any other problems paying his loan obligations. B of A sent us a form rejection notice declining to provide the HELOC because we were ineligible for it. They never called us to arrange a loan at the promised am't and in fact the best they were prepared to offer us was a loan at about 30 % p.a. 

We went to considerable trouble obtaining all the financial information they requested, putting aside other pressing business over a two-week period. The only result that we got was a mysterious offer out of the blue from a company we never heard of for {$34000.00} but it required us to go through the same arduous process to get a loan and that would be at an unknown rate. 

Had the B of A not under false pretenses, and at their initiative ( we only applied after they sent the materials for the XXXX loan unsolicited ) importuned us to apply for this loanwe would have gotten a very good offer from a competitor by applying for a new credit card with that firm. B of A engaged in this abusive behavior we maintain because it is an outgrowth of the " annihilation by work '' culture at the bank documented in excruciating detail by the XXXX XXXX XXXX in their edition of XX/XX/year> in a signed article by XXXX XXXX. This article is online and shows that the annihilation by work ethic is deeply ingrained despite written policies forbidding it and has resulted in at least XXXX death of a highly compensated young investment banker and multiple cases of life threatening cases of exhaustion and nervous disorders. XXXX spoke to over XXXX dozen people either currently employed by the Company or formerly with it showing that the " annihilation by work '' culture is of long standing, probably affects other large banks and financial institutions, and is not confined to the 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 2024-09-11 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: FL

Complaint narrative:
I have sent disputes to XXXX, XXXX, and Transunion for the last 5 months. I have not recieved any response. I have attached a XXXX bureau table showing all of the errors in my accounts. Please investigate, update, or delete the following accounts. Thank you.

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 2024-09-11 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: FL

Complaint narrative:
I have sent disputes to XXXX, Experian, and XXXX for the last 5 months. I have not recieved any response. I have attached a XXXX bureau table showing all of the errors in my accounts. Please investigate, update, or delete the following accounts. Thank you.

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 2024-09-11 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: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference

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 2024-09-11 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: MS

Complaint narrative:
I checked my credit report today. Periodically I do that and I found something on there that was not mine it seems that money spot at sunshine loans has approved someone for a loan I did not receive any funds for that but it is on my credit report as a charge off I need someone to take a look at that cuz it is not mine and it's ruining my credit report and I need to I'm trying to buy a house. 
Thank you so much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: NC

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 non-monetary relief
Consumer complaint received 2024-09-11 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: NC

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 2024-09-11 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: NC

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 non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Upon reviewing my latest credit report, I identified multiple fraudulent accounts that I believe were added without my consent.

Company response to consumer: Closed with explanation