vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: WA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-17 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:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST A RESULT OF MISREPRESENTATION.

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 2024-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased my home in XXXX thru Bank of AmericaXXXX with a XX/XX/XXXX home loan purchase. Remodified home in XXXX with XXXX. Second loan was forgiven.

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 2024-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
I am paying about {$210.00} a month on auto pay across all of my student loans. For 30 days of interest via amount is about {$180.00} however over {$200.00} each month is going to interest even though Im paying via auto charge every month on the same day. No one can explain to me what the payment allocation is and why more money is going to interest than it should be, the last couple of months only XXXX to XXXX dollars is going to principal which feels incorrect. I also am unable to view that I am receiving the interest rate reduction for being on auto charge payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: LD Holdings Group, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of 2023 I was working with an agent of loanDepot at the time. I filled out an application online, but never went through with it. I found out later that the real estate agent XXXX XXXX had ran my credit without my permission or consent. I contacted her and asked her to have this removed because I never granted her permission to do so. XXXX XXXX stated she would contact all three credit borrows and have this information removed. Its been almost a year later and these hard inquiries are still on my credit. After contacting their customer service department, I was told there was nothing they could do because even though I didnt give consent for them to run my credit with an application being filled out, they had every right to do so, and I was also told that I cant see that information when doing so, but they can. I have an email from XXXX XXXX stating she was going to have these inquiries removed from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my PNC BANK, N.A. - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MI

Complaint narrative:
I recently submitted a complaint in violation of my privacy rights under 15 U.S.C. 1681 Section 602 A ; " a consumer reporting agency can not furnish a account without my written instructions. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : ( 1 ) the right to request their records, subject to Privacy Act exemptions ; ( 2 ) the right to request a change to their records that are not accurate, relevant, timely or complete ; ( 3 ) the right to protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use and disclosure of their personal information.

I sought to have two accounts removed from my credit profile due to the fact they violated my to be protected against unwarranted invasion of privacy resulting in collection, maintenance, use and disclosure of my personal information, but whomever responded, focused on the accuracy of the account. I have never given XXXX XXXX XXXX or XXXX XXXX written permission for the reporting per Section 1681a. I was never notified in writing per 15 U.S.C. 1692ag prior to accounts being on my credit report within 5 days. In furtherance, a delinquent debt may not be reported under the Privacy Act unless notice issued pursuant to the Privacy Act 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure information about the debtor to a credit bureau. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exemptions apply to the disclosure. I did not consent to have my information be publicized. I request these accounts be removed from my credit profile immediately,

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 2024-06-17 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: MI

Complaint narrative:
I recently submitted a complaint in violation of my privacy rights under 15 U.S.C. 1681 Section 602 A ; " a consumer reporting agency can not furnish a account without my written instructions. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : ( 1 ) the right to request their records, subject to Privacy Act exemptions ; ( 2 ) the right to request a change to their records that are not accurate, relevant, timely or complete ; ( 3 ) the right to protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use and disclosure of their personal information.

I sought to have two accounts removed from my credit profile due to the fact they violated my to be protected against unwarranted invasion of privacy resulting in collection, maintenance, use and disclosure of my personal information, but whomever responded, focused on the accuracy of the account. I have never given XXXX XXXX XXXX or XXXX XXXX written permission for the reporting per Section 1681a. I was never notified in writing per 15 U.S.C. 1692ag prior to accounts being on my credit report within 5 days. In furtherance, a delinquent debt may not be reported under the Privacy Act unless notice issued pursuant to the Privacy Act 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure information about the debtor to a credit bureau. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exemptions apply to the disclosure. I did not consent to have my information be publicized. I request these accounts be removed from my credit profile immediately,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to inform you that my Social Security number has been compromised, and I am a victim of Identity Theft. 

Please see attched

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: NC

Complaint narrative:
I have an apartment listed on my credit report that I never had or applied for. I have gotten this information removed from my XXXX and XXXX report. Experian has not deleted it even after my dispute. I purchased a home in XXXX on XX/XX/year> yet there is an apartment that was put into my name which I had XXXX reason to rent an apart when I had literally just purchased a XXXX bXXXX XXXX XX/XX/year> was my first year even moving from XXXX to XXXX. This does not belong to me

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 2024-06-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to inaccurate.

Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance

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 2024-06-17 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: IL

Complaint narrative:
I looked back at my Credit report back on XXXX, XXXX 2024, and noticed somethings are incomplete or are inaccurate. According to fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This Account XXXX XXXX I do not recognize at all. 

[ XXXX XXXX XXXX ] is inaccurate information and I do not recognize this charge off. Date last active, date of last payment isnt correct. Account isnt correct.

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 2024-06-17 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: WA

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I called Aspire they said they were raising interest rates to 36 % even though I have never missed or been late with a payment and had no balance. I asked for a reason why they were doing this and their answer was because they were allowed by the government. I requested they close my account, I was told I would have to call back on the following Monday to do so, which I did. I requested if reporting to credit bureau that they state at custommers request due to high interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M1 Holdings Inc.
State: NJ

Complaint narrative:
I had a free account for a long time. 

One day i checked my account and find that they started charging charging me a platform fee, without my knowledge or permission. 

This fee is being withdrawn from my account without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: WA

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17 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: NV

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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