vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I have a bankruptcy showing on my report from XX/XX/year> and it show discharged in XXXXXXXX XXXX When the bankruptcy accounts are discharged they should show no missed payments only discharged in bankruptcy. Experian is showing I have 9 late payment 90 days past due. by law this is not allowed. They need to remove this from my credit report as it is required by law they do so. I have been trying to get them to do so from quite some time now and this is my last time before I file a law suit against them for falsely reporting late payments. This seems to be something that is happening to others as they are having the same issue with experian. I want the late payments removed because fair credit act says this is illegal to do. I never had late payments and never will. they need to remove this. It is required under the fair credit reporting act. this will be the last attempt before filing a law suit I have attached a copy of my credit report from experian to show that i am right. Please fix this issue. I really don't want to take if to court but will if forced to get this corrected. PLEASE FIX ISSUE.

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 2025-01-13 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX  m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage is harassing me based on past complaints. I have communicated to them the update of upcoming repairs per my insurance company. There are multiple storms in XXXX so it is limited resources to complete the work. I communicated to them that I am on the list where appointments are out to 3 to 6 months. I have communicated to them there is missing payments from Insurance. Also, I am engaged with a lawyer due to violations of my rights under the Fair Debt Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am now requesting proof of the previous investigation. I am asking that you send your methods of investigation along with all records of who you spoke with, their business addresses, name, and phone number as well as documentation that proves this account was late. If you can not provide me with this information within 15 days, update the account to PAID/NEVER LATE and send me a copy of the updated report. 

XXXX XXXX XXXX Date opened : XX/XX/year>

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX, I was being offered a special for XXXX XXXXXXXX with a deposit of {$250.00} to retain it before it expired. Prior to paying the deposit, customer service was very attentive. After, no luck. I couldn't even schedule the date after countless texts and emails. So I canceled and opened a dispute with my bank Navy Federal on XX/XX/year>. 
I was not informed of the reversal and denial of my dispute claiming the merchant provided a contract that says it's unrefundable. I state under penalties of perjury that I was not informed that a deposit is not refundable even if no services of any kind were received and practically ignored. To this day I have not received any contact from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
XX/XX/year> I ask XXXXXXXX XXXX XXXX to send me a signature concerning this transaction. Still got no response and I never authorized them to do anything. Im have the same problem with XXXX XXXX and CB Indigo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I feel Experian didnt investigate my disputes properly.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/scrub>XXXX  - Experian LACK of Customer Support My daughter recently turned XXXX and I encouraged her to put a freezer on her credit reports with the XXXX XXXX, XXXX, and Experian. She followed the steps to do so. The process with Experian was extremely cumbersome compared to the other two and required upload of various documentation providing proof of residence, etc. This was not a problem. Upon completion of processing this paperwork, Experian sent her an email requesting that she " Complete the setup ''. This required login to their webiste which immediately transferred her to a request for a credit report, which was not of interest. The website did not allow any other options at all. So, following this request process led to a system problem claiming they could not verify her identity and she must call. The website completely blocked any other options. The only choices were to call or go back, login again, and fail to get a credit report. Upon calling, their automated phone system refuses to allow any access to a customer service representative. There are zero options to talk to a person. In fact, they specifically deny this and explain that you will not be allowed to talk to a human. Their automated phone system literally hangs up on you when it determines you are not meeting its rigid demand for options it would like you to follow. My daughter remains unable to use their website for any actions and this seems unresolvable since there is no method to get assistance.

I work in software for a living. This is possibly one of the worst interfaces I have encountered for a business, especially one so large and important as a credit agency like Experian that shepherds our credit reports, freezes, and general security against identity theft. Furthermore, it is my professional opinion that this is not simply poor design. It is deliberate obfuscation. I do imagine that to purchase products from them and give them money would be a significantly easier process. Simply unacceptable.

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 2025-01-13 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have cleared my debit through XXXX XXXX XXXX program. That had cleared all the debit i owed Then this collection agency placed the debit back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I always paid my full balance each month with this company, on the XX/XX/year> statement for the amount of {$570.00} due on XX/XX/year>, I sent my payment day ahead of the due date throught my online banking on XX/XX/year> for which I have proof from my bank that it was mailed to their XXXX XXXX XXXX and should have taken no more than 7 days to get there but they processed and credited 3 days past the due date. I do not know ifvthey had problems processing payments on a timely matter or mailed got misdelivered but I did everything on my side to pay on time. From there they charged me late fee of {$30.00}, that I called them and asked them to waived it but their customer service said that " it was not their problem that the mail got there late '', I asked to speak with a supervisor but I was never transfer to one. Since then I continue paying the full balance of the purchases I made for the next month and since they did not wanted to waived that unfair late charge I closed the account. From that day forward they keep adding interest and more late fee to the original {$30.00} late fee adding up to this date to {$190.00}. I sent them letters explaining and requesting the removal of those charges but no result. They already reported, my wife and myself since both are in the account, to the credit bureaus as late payment affecting our credit record that work hard to maintain in good score XXXX. 

That is my complaint to this credit card company and request for them to remove the entire charge that keeps accumulating on fees and interest on original {$30.00} late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding Experians failure to properly investigate and verify a debt account associated with my credit report. Despite my efforts to dispute and clarify the information related to this account, I believe the investigation process was incomplete and did not meet the requirements outlined under the Fair Credit Reporting Act ( FCRA ). 

I submitted a dispute to Experian regarding XXXX XXXX XXXX in XXXX XXXX However, I did not receive a thorough investigation or adequate feedback explaining the steps taken to resolve the matter. It seems that my dispute was not fully reviewed or verified by the appropriate parties involved.

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 2025-01-13 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: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Tower Loan, XXXX, and XXXX due to improper and potentially illegal reporting practices related to my credit file. 

Background Information : Tower Loan sold my debt to a third party, yet they continue to report the account and late payments to my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my understanding that once a debt is sold, the original creditor no longer has the right to report activity related to that account. This practice is misleading, inaccurate, and detrimental to my creditworthiness. 

Additionally : XXXX has failed to ensure the accuracy of the information being reported, as required under the FCRA. Despite my disputes, XXXX continues to report outdated and erroneous account information without conducting a proper investigation. XXXX has similarly failed to investigate disputes and has reported inaccurate and outdated information about the same debt. 
Details of the Complaint : XXXX. Tower Loan : Sold my debt but continues to report late payments and account activity. Failed to notify me that my account information was being transferred or sold to another party. 
XXXX. XXXX : Failed to investigate disputes and verify the accuracy of Tower Loans reporting. Continued to report incorrect account details, including delinquent payments, after the debt was sold. 
XXXX. XXXX : Also failed to investigate disputes regarding this account. Reported inaccurate and outdated information after the debt was sold, in violation of FCRA requirements.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to gain access to my experian account and when entering my ssn and date of birth to gain access. It said that I must verify the account with a email that I do not recognize XXXX I tried calling experian and they had me talking to a robot that does not connect me to a XXXX. My current email is XXXX and I need the account to be under that email.

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 2025-01-13 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: FL

Complaint narrative:
Multiple incorrect mailing address, employer, date of birthday and names are being reported on my credit report. I have reached out to XXXX, Transunion XXXX XXXX several times over the last 3 years to have my report corrected with no correction. These errors are hurting my credit file and prohibiting me from purchasing property and receive loans for my business because they are linked to accounts that are fraudulent and not associated with myself.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple incorrect mailing address, employer, date of birthday and names are being reported on my credit report. I have reached out to XXXX, XXXX & Exquifax several times over the last 3 years to have my report corrected with no correction. These errors are hurting my credit file and prohibiting me from purchasing property and receive loans for my business because they are linked to accounts that are fraudulent and not associated with myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
Im not liable for this debt with XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2025-01-13 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was paid {$4700.00} in XXXX by my employer and {$1700.00}. someone used my debit card ( I never had a debit card and let US Bank know this ). They went XXXX miles from my house to ATM 's in XXXX XXXX, withdrawing {$800.00} ( 4 ) times and {$440.00} and smaller amounts as well all while also purchasing at lots of stores. I reported this fraudulent activity to US Bank, and they subsequently closed my account due to their " banking decision ''. This has left me scrambling as I had to contact my employer and change my payroll deposit account and they have over {$3500.00} of my money that they are not refunding. 

I spoke with a banker yesterday over the phone, and he said, " I can not tell you exactly when your account will close and we will send you a check but it could be longer than 3 weeks '' .This leaves me very tight and in an unfavorable position, all due to US Bank trying to scapegoat responsibility for them allowing fraud on my card.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
Lexington Law Firm has provided the wrong information, and I need help fixing it for my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation