vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-19 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Multiple disputes regarding debt reporting on my credit report from Midland Credit Management. The information is incorrect and does not belong to me. I sent a letter of validation on XX/XX/year> and still have not received the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
NewRez LLC was not paying the correct tax amount which resulted in a past due amount of {$120.00} for tax year XXXX and {$280.00} for tax year XXXX. I contacted their tax department who assured me it would be taken care of. On XX/XX/XXXX I recieved a letter stating they are working to gather more information. On XX/XX/XXXX I logged into the debt collectors website ( after several letters and litigation threats ) to find the debt still had not been paid and had accrued " attorneys fees '' of {$420.00} for each year and {$70.00} in " other expenses ''. I have paid the amount to resovle this but this should have been NewRez LLC 's responsability. This is the worst mortgage holder I have ever worked with and would like to know why the are not properly servicing my VA mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MN

Complaint narrative:
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. PLEASE BLOCK AND REMOVE

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 2024-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The company refuses to identify themselves. They call and text my family memebrs as well as my brothers girlfriend who sent me the text today. The companys phone number is XXXX, the message states case # XXXX I called and the guy refused to identify himself or the company. He kept claiming Capital one is suing me and that he ia an attorney. I have XXXX active accounts with capital one. Neither account is in default. I did have acapital one account in the early XXXX 's that was a judgement, he claimed it was not that account. i advised him it is well past 7 years. He refused to provide further information and stated they would contine to contact who ever they want. My brothers girlfriend has called them several times and they refuse to stop calling her. They never contact me. I have spoken to several different people at this company and the harrasment continues. I am not sure what to do to get them to stop calling my family and their friends.I have attached the text message that was sent to my brothers girlfriend. Her phone number is not associated with me or my lastname in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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 am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunlight Financial LLC
State: IA

Complaint narrative:
On XX/XX/XXXX I signed a contract with XXXX based on a XXXX XXXX for the amount of {$28000.00}. The XXXX sent a second XXXX XXXX different from what I had contracted. I called XXXX and asked for my original XXXX XXXX to be approved. A new 3rd XXXX XXXX was generated. This XXXX XXXX generated by XXXX was 30 % less than the original and the same {$28000.00}. I called the representative for XXXX and asked how is that supposed to work and if I would be able to add electric water heaters ( the house is a side by side duplex ) and electric stoves etc. The representive informed me the original layout was unattainable due to the amount of energy quoted in contract. I told the XXXX representative to give me a bid on just having solar panels on the South side of the duplex only. I was asked if I own my house ( yes ) and to send pictures ( I did ). The Site Capture states that " Please complete this form as soon as you can. Once complete your solar project will continue. Thank you, XXXX. '' I did not accept this layout and did not complete the form to continue the solar project. I sent a cancel notification on XX/XX/XXXX after XXXX came, unannounced and installed the solar panels according to the second XXXX XXXX. I immediately called the representative and told them they messed up and did not get my approval and installed the panels on the wrong side of the duplex. Now the Loan Company, Sunlight FinancialXXXX XXXXXXXX XXXX is sending information to the Credit Bureau stating that I am 30 days, 60 days or 90 days delinquent on this account. When I complain ( I do not receive billing on the loan ) that the loan is on defer payments waiting for resolution, Sunlight FinancialXXXX XXXX XXXX removes the negative information. Then they resubmit it immediately, generating another request for it to be removed. This not only caused undue stress, as it takes several months for the credit bureau to investigate and for the loan company to reply, but I might need a loan for any number of things. This can affect the percentage of interest charged on a new loan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: TX

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC
State: CO

Complaint narrative:
I applied for a loan after finding myself XXXX  struggling to pay my bills with my paycheck. During application process, i was not made aware of their EXCESSIVE interest rate. In my case, the interest rate exceeded 400 %. I was approved for a {$1600.00} loan with a {$280.00} bi-weekly payment until XX/XX/year> adding up to me paying back over {$5000.00}. They did not disclose the interest rate until i agreed to receive the loan and a loan document was provided. In the state of Colorado, these kinds of loans are actually prohibited and a loan can not exceed 45 % interest rate. I texted, emailed and left a XXXX review asking to cancel out my loan as i can't afford to be in their debt for a 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 explanation
Consumer complaint received 2024-07-19 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I recently reviewed my credit report and noticed I have a collection on my report that is not mines can you please remove this fraudulent account from XXXXXXXX XXXX of XXXX dollars was opened XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Incorrect Information and Request for Validation Pursuant to 12 CFR 1006.34 To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to my credit file by Jefferson Capital System. This collection entry has been placed without providing me with the required validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, a right guaranteed under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I hereby revoke any and all rights to owe any debts to Jefferson Capital System or any associated entities. Furthermore, I revoke all rights to communication, including emails, text messages, and phone calls, from Jefferson Capital System, and its representatives. 

In accordance with my rights under federal law, I request the following documentation from Jefferson Capital System to validate the alleged debt : 1. Purchase agreement between Jefferson Capital System and the original creditors XXXXXXXX XXXX XXXX regarding the alleged debt. 

2. Proof of license and bond for debt collection in Texas. 

I formally requesting Jefferson Capital System to immediately remove the following collection entries from my credit report : 1. Jefferson Capital System Amount {$930.00} I expect Jefferson Capital System, to provide the requested documentation promptly. Failure to comply with these requests may result in legal action to protect my rights under federal law. 

Please provide me with written confirmation once you have received this dispute and initiated the validation process. 
Thank you for your prompt attention to this matter. I anticipate your timely response and the swift resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My husband used bill pay to pay our bills. He meant to click on a XXXX  card payment but clicked on CITIBANK instead. He paid {$1000.00} to an OLD CITIBANK account with last four digits are XXXX, instead of paying XXXX bank. We went to our bank they tried to help but CITIBANK says they need last 5 digits on card. We dont even have the card anymore all we have are old bills from XXXX which has last 4 digits. When we call CITIBANK they say they dont see an account with last 4 digits XXXX which was connected to that bill pay. The payment was CASHED BY CITIBANK ON XX/XX/XXXX. So they CASHED it NOT having any record of this older account. We do have bank copy of it being cashed and CITIBANK just keeps giving us the run around! Its over {$1000.00} and no one will help us!

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 monetary relief
Consumer complaint received 2024-07-19 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: MS

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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 2024-07-19 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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