vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: KY

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

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 2025-02-13 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: KY

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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: CA

Complaint narrative:
My account with XXXX 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 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. 

XXXX 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

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 2025-02-13 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
My ex husband was using my social security number on a XXXX  XXXX  account. The account went to collections. I contacted both the collection agency and XXXX letting them know. Proving that the account was not mine I've never lived at the service address and all information attached to the account is not mine. My ex husband also called them stating it was not my account or debt. He paid the debt but they refuse to remove the remark from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
Dispute TransUnion XX/XX/year>2025 XXXX XXXX Repossession Experian XX/XX/year>2025 XXXX XXXX Repossession Equaifax XX/XX/year>2025 XXXX  XXXX Repossession

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute TransUnion XX/XX/year>2025 XXXX XXXX Repossession Experian XX/XX/year>2025 XXXX XXXX Repossession Equaifax XX/XX/year>2025 XXXX  XXXX Repossession

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
They take my money in escrow and then I always have to call to get taxes paid, several phone calls this year and they still paid late which messes with my income tax, I asked for release of escrow and they said they cant cause I still have omitted which I requested be removed in 2022, they removed most of it but are still charging me even though XXXX at 73 % XXXX or less. So I want them to remove pmi all the way and release my escrow, I have great credit, never late and think its wrong if they take my money and interest and cant pay my bill on time so I would rather control it myself have had to call every year for last 12 years and this year they promised me it would be paid by XX/XX/XXXX even after I called XX/XX/XXXX and several times prior and didnt pay till XX/XX/XXXX now I lost that write off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
Charged Off : XXXX XXXX XXXX MECHANICS BANK AUTO FI XX/XX/XXXX MACYS/CBNA XX/XX/XXXX CITI CARDS/CITIBANK XX/XX/XXXX MECHANICS BANK XXXX XXXX XX/XX/XXXX OPORTUN/PROGRESO FINANCI XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TD BANK XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
Charged Off : XXXX XXXX XXXX MECHANICS BANK AUTO FI XX/XX/XXXX MACYS/CBNA XX/XX/XXXX CITI CARDS/CITIBANK XX/XX/XXXX MECHANICS BANK XXXX XXXX XX/XX/XXXX OPORTUN/PROGRESO FINANCI XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TD BANK XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX Honda XXXX, from XXXX Honda, XXXX XXXX, XXXX, NC. I decided to take out a loan for {$4900.00}, to pay off the balance of what I owed to the dealership. 
I didn't know that a Sales Manager was going to contact several lending institutions, to finance my loan. Out of 4 banks, one was willing to provide financing for my car.

Over the last week, I received three letters of denial of credit for my requested loan amount. In these letters, it stated that my credit score was below XXXX. I started out with a credit score of XXXX the day I purchased my car, and after these inquiries, my score went down to XXXX. 

Today, XX/XX/XXXX, I called the Honda dealership and spoke with the finance person. He said the reason my score went down is because I only wanted to take a loan for {$5000.00}, and that's considered low according to banks.

Why would this amount effect my credit? 

What do I have to do to recover my score of XXXX? 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. My personal information has been used without my knowledge to apply for credit with numerous lenders. Transunion is refusing to help me. 

Fraudulent Inquiries on Transunion 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 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 XXXX. XXXX / XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MECHANICS BANK
State: NV

Complaint narrative:
I am writing to formally file a complaint against Mechanics Bank Auto Finance regarding their unfair and misleading credit reporting practices. Despite fully satisfying my principles balance, the company continues to report me as delinquent to the credit bureaus solely for unpaid late fees, which I believe to be unjust and excessive.

I financed my vehicle through Mechanics Bank Auto and successfully paid off my principal balance in full by the maturity date. However, the company has continued to report me as late due to outstanding late fees rather than recognizing that my principal obligation has been met. Despite my efforts to resolve this matter amicably, Mechanics Bank has refused to work with me in waiving or settling these fees and continues to damage my credit history by reporting me delinquent even after I continue to make monthly payments toward the fees. 
This practice is misleading, as it does not accurately reflect my fulfillment of my loan obligation. I believe this to be unfair business practice that could negatively affect my consumers who have acted in good faith to pay off their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX 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 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. 

XXXX XXXX  XXXX 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 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
The dates of garnishment deductions are XX/XX/year> for amount of {$210.00} XX/XX/XXXX for {$82.00} XX/XX/XXXX for {$270.00} XX/XX/year> {$190.00}. I got sued by Sheer Green and Burke debt collection agency for a XXXX of XXXX bill from years ago that I thought my insirance had covered. I responded to the collector and set up {$50.00} weekly payments last year some time in XXXX XXXX I asked them to take payment out every wensday as that is my Pay day they tired taking it out on Friday and it got declined so I called again and told them to take it out wensday and they did same thing tried taking it out on Friday and it declined. They got a Judment against me in XXXXXXXX XXXX XXXX XXXX XXXX XXXX and never informed me of time and date I got a letter that they got a judgment against me couple weeks later. On XX/XX/year> I got a electronic email from XXXX our payroll company that Sheerer Burke And Green got a writ of garnishment for XXXX percent of every pay check that was first time I found about it and already the following wensday money was taking out my paycheck. I was never informed by this collection agency about it when I called and messeged the lawyer at the office emailed me back I asked to have them take XXXX weekly till balance was paid off and they refused. I brought up that their own papers that they filled with the court gave me 14 days to respond to the writ of garnishment and his response was I got a judgment against you and I dont have to send you anyhting. I emailed them couple times for them to send me proper debt valadtion letter that they own this debt and have legal right to collect it and got no response. Even the letter of them suing me said I had 28 days to respond and I did by calling them and 2 weeks later they got a judgment and I received the letter past the court date. This is a predatory collection agency they never provide proper documention to validated this debt collection, never send anything about writ of garnishemnt or anything else. They should be investegetired for not following legal and proper laws and way of conducting their collection efforts. Their number is XXXX

Company response to consumer: Closed with explanation