vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: AL

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 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 2024-08-07 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: GA

Complaint narrative:
I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include false account listings, multiple, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

Resolving these matters is crucial for my financial security, and I would appreciate your assistance in addressing them.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Got a letter in the mail about a deber I dont know about or have enough information about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
On XX/XX/year> I sent letters to all 3 credit reporting agencies due to appearances on my credit that I believe are results of fraud/theft. They have not reached out to me stating they are not able to pull such things off of my credit and have not responded with a reason of why its not been resolved yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio
State: TN

Complaint narrative:
I am filing this complaint because I have noticed an alleged debt that was assumed to belong to me in my credit reports. This agency specifically poses as a law firm. According to the FDCPA, debt collectors can not be attorneys. I was also not given the opportunity to dispute the alleged debt they furnished to my consumer reports. This company is in violation of 15 USC 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TN

Complaint narrative:
inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase 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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHERRY TECHNOLOGIES INC.
State: NV

Complaint narrative:
I had a treatment done which was supposed to be pay as I go. The owner decided to charge me for 3 treatments. Shes was more worried about getting paid and not me as a client. I told her we had agreed on pay as I go. She had me sign a waiver under having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She got the payment for 1 and I didnt go back and she refused to refund me after she said she would. After the first one I got XXXX XXXX and mesaged her I will not be getting anymore XXXX. She proceeded to charge me for services I didnt receive

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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 currently have two student loans in the amount of {$67000.00} and {$30000.00} which have been consolidated into XXXX loan for {$98000.00} by XXXX. Since XX/XX/2024, I have been going back and forth between XXXX and Experian, who is reporting my loan balance at a higher balance than what is owed. My credit report shows that I owe the combined amount of {$98000.00} and it is also reporting that I owe {$30000.00}. I have filed about XXXX or XXXX disputes with Experian to fix this. However, they continue to close my disputes without solving the issue or they say its an issue with XXXX despite me submitting documents of my balance as proof of my actual balance. I have also contacted XXXX to fix the issue, and they continue to blame Experian and not help me resolve the issue. This is affecting my credit report because Experian is stating I owe about XXXX more than what I owe.

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 2024-08-07 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: NY

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( 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 XXXX ( 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 XXXX 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I got behind on my mortgage payments while I was caring for my ill mother. I contacted the mortgage company, and they did some kind of trial payment plan, and I completed that, and I was under the impression that everything was fine. I continued to make my payments on time for several months until XXXX when my payment was returned. We contacted the mortgage company again and they said they didn't get a signed paper that I sent in. I was not notified that they did not receive that paper, and I would have resubmitted, but they said my house was going into foreclosure. so, they gave me the option to submit another application and that was denied. So now they are saying my only options are to pay the full amount past due ( which they won't tell me how much that is ) or I can short sale the house or let it go into foreclosure. I'm trying to keep my house because that is my home and don't have any place to go. 
My husband called the mortgage company again today and they said we had to submit another application ( # XXXX or XXXX ), I will do that, but I want to make sure I can get someone to help me keep my house. 
Why did they keep taking my payments if they were going to foreclose on my house?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries appearing on my Equifax credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : 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 Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

XXXX Laws and Regulations XXXX. XXXX XXXX XXXX - XXXX Purposes of XXXX XXXX : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose. 
XXXX. XXXX XXXX XXXX - XXXX of XXXX Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to dispute information with Equifax and they said they can't find. My report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-07 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: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2024-08-07 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: TN

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TN

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 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. 

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 2024-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I opened an auto loan with American Honda Finance on XX/XX/XXXX. I've made payments on time ; however, there is an error indicating that XX/XX/XXXX and XX/XX/XXXX payments were late. I have contacted the lender regarding this matter on several occasions. It was a clerical error that needs to be corrected, as it is preventing me from purchasing another vehicle. Thus, this incorrect information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2024-08-07 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: TN

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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. 


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 2024-08-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like to dispute the following inaccurate items that are on my credit report i previously sent letter to Equifax XXXX XXXX and they have not acknowladged my despute XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} Equifax XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00} XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like to dispute the following inaccurate items that are on my credit report i previously sent letter to XXXX XXXX experian and they have not acknowladged my despute XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} U S DEPT OF ED/XXXX XX/XX/year> Acct : XXXX {$9700.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} Experian XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00}

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