vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I have a late payment reporting to credit for XXXX payment when the payment was made on time. I call the bank and the mortage company to have it removed but was told that it couldn't be done as this late payment report affect my credit worthiness

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 2024-08-16 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:
XXXX. Inaccurate and Unverifiable Information The credit reporting agencies have reported inaccurate and unverifiable information on my credit report, including late payments and negative accounts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit agencies be 100 % accurate and verifiable ( 15 U.S. Code 1681e ( b ) ). I demand the removal of all inaccurate and unverifiable information and request {$1000.00} per violation as damages for the harm caused by these errors. 

XXXX. Reporting of Child Support Payments The inclusion of child support payments on my credit report is a violation of my privacy rights under the Privacy Act of 1974 and the FCRA. Child support payments are not to be reported on credit reports as they do not constitute a permissible purpose under the FCRA ( 15 U.S. Code 1681b ). I request the immediate removal of all references to child support from my credit report. 

XXXX. Defamation of Character The reporting of inaccurate late payments and negative accounts, as well as the inclusion of child support, has caused significant harm to my reputation and financial standing. As a result of these errors, I have been denied credit and faced increased costs. This constitutes defamation of character, and I am seeking damages of {$1000.00} per violation, as provided under the FCRA ( 15 U.S. Code 1681n ). 

XXXX. Data Breach Concerns I am also concerned about potential data breaches that may have compromised my personal information, including my Social Security number. Specifically, I am aware of the XXXX XXXX XXXX and other recent breaches that may have exposed my personal information to unauthorized parties. I request that the CFPB investigate whether these breaches have contributed to the inaccurate reporting on my credit report and take appropriate action to protect my personal data. 


Charge-Offs as Income : Under IRS guidelines , a charge-off is considered forgiven debt and is treated as income. As such, it should not be reported as a negative item on a credit report. The IRS requires that forgiven debt, such as charge-offs, be reported on a 1099-C form as income, which is subject to taxation. 



XXXXXX/XX/XXXXaccount - Charge off XXXXXX/XX/XXXXl - Charge off XX/XX/XXXXXXXX - late payment Cap XXXX - Charge off Cap XXXX - Charge off

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 2024-08-16 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: FL

Complaint narrative:
XXXX. Inaccurate and Unverifiable Information The credit reporting agencies have reported inaccurate and unverifiable information on my credit report, including late payments and negative accounts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit agencies be 100 % accurate and verifiable ( 15 U.S. Code 1681e ( b ) ). I demand the removal of all inaccurate and unverifiable information and request {$1000.00} per violation as damages for the harm caused by these errors. 

XXXX. Reporting of Child Support Payments The inclusion of child support payments on my credit report is a violation of my privacy rights under the Privacy Act of 1974 and the FCRA. Child support payments are not to be reported on credit reports as they do not constitute a permissible purpose under the FCRA ( 15 U.S. Code 1681b ). I request the immediate removal of all references to child support from my credit report. 

XXXX. Defamation of Character The reporting of inaccurate late payments and negative accounts, as well as the inclusion of child support, has caused significant harm to my reputation and financial standing. As a result of these errors, I have been denied credit and faced increased costs. This constitutes defamation of character, and I am seeking damages of {$1000.00} per violation, as provided under the FCRA ( 15 U.S. Code 1681n ). 

XXXX. Data Breach Concerns I am also concerned about potential data breaches that may have compromised my personal information, including my Social Security number. Specifically, I am aware of the Facebook data breach and other recent breaches that may have exposed my personal information to unauthorized parties. I request that the CFPB investigate whether these breaches have contributed to the inaccurate reporting on my credit report and take appropriate action to protect my personal data. 


Charge-Offs as Income : Under IRS guidelines , a charge-off is considered forgiven debt and is treated as income. As such, it should not be reported as a negative item on a credit report. The IRS requires that forgiven debt, such as charge-offs, be reported on a XXXX form as income, which is subject to taxation. 



XXXXXX/XX/XXXX account - Charge off XXXXXX/XX/XXXX - Charge off XX/XX/XXXXXXXX - late payment Cap XXXX - Charge off Cap XXXX - Charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I have sent a dispute to this company in XXXX and in XXXX and received no response from the credit bureau. I contacted some of these companies directly and they have removed the account off my credit report and closed the accounts that do not belong to me. I sent this information along to the credit bureau and they refuse to remove it off my credit reports. I also sent a dispute back in XXXX all via mail and receive no response or updates from the credit bureau. They are reporting incorrect information that they refuse to remove and this is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I signed a loan agreement with XXXX XXXX XXXX. It was a car loan in the amount of {$17000.00} for a XXXX XXXX XXXX. I made payments from XX/XX/XXXX- XX/XX/XXXX. I stopped making payment because my car was impounded and sold between XX/XX/XXXX and XX/XX/XXXX. The remainder of the loan for XXXX XXXX XXXX was for {$13000.00}. They sold my loan to Profesional credit service on XX/XX/XXXX. XXXX XXXX XXXX has refused over 10 times to update there information on all XXXX bureaus when it comes to when the debt was sold and to who it was sold, this continues to mark me as a late payment with trans unions credit report because the have continued to neglect updating that I dont have to make a monthly payment to them anymore because Im settling with professional credit union who they sold too. XXXX XXXX XXXX is being completely unhinged and outright dishonest about there practices. Please help me with this dilemma as Ive tried over a dozen times.

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 2024-08-16 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: OneMain Finance Corporation
State: GA

Complaint narrative:
REMOVE HARD INQUIRY RE : ONEMAIN According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports. 

You ( COMPANY ) will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

***Should you not close immediately, I will pursue civil litigation and sue for defamation, denial of credit opportunities, and denial of career opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
I NEVER OPENED A NEW BINANCE ACCOUNT IN XXXX. I HAVE NOT USED BINANCE SINCE XXXX. THIS IS FRAUD AND A SCAM JUST LIKE THEIR CEO IS IN PRISON RIGHT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My persistent efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to have a profound negative impact on my life, causing significant emotional distress. I must emphasize that I never authorized or consented to the inclusion of this information in my file, as I have been a victim of identity theft.

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 2024-08-16 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 contacted Transunion in regards to my credit file and informed them that there are several items that do not belong to me and after providing them an ftc report containing the items they have not removed the items from my report within the timeframe required by an identity theft dispute

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Swe Homes LP
State: TX

Complaint narrative:
After complaint made to Another Agency :XX/XX/XXXX XXXX and XX/XX/XXXXXX/XX/XXXX about prior payment history and improper servicing and accounting of loan, it was stated that the Servicer/Broker refunded fees credited to my account to accommodate errors found and incorrect fees paid prior in amount slightly excess {$400.00} and that my account was in current status. XXXX verified and confirmed there were payments being held in unapplied status. 

The XXXX and self-stated XXXX argued that the XXXX lacked XXXX over the complaint as the transactions did not meet jurisdictional authority. During the active complaint, XXXX returned payments without cause. Did not provide explanation. 

I continued to make additional weekly payments. Faced hardship due to natural disaster XX/XX/XXXXXXXX XXXX requested XXXX XX/XX/XXXX. XXXX stated that I was in past due of {$1200.00} ( XXXX and XX/XX/XXXX including fees and PreForclosure fee of {$200.00} and holding unapplied payments of {$220.00} ). 

Notice of Intent to Accelerate Dated XX/XX/XXXX for XXXX due XX/XX/XXXX. Only provided ( XXXX ) received weekly payments, I requested review of the ( XXXX ) payments documented sent and provided dates of draft. 

XXXX did not return contact AFTER XX/XX/XXXX. Point of XXXX XXXX XXXX Made payment in full XXXX, on XX/XX/XXXX. Placed in XXXX XXXX, Documentation can be provided. I believe I cured all outstanding debt ( INCLUDING XX/XX/XXXX ) as stated by XXXX XXXX in email. Female security guard sitting at table in foyer facing the parking lot. 

Notice dated XX/XX/XXXX, XXXX has now escalated XXXX and Default of account after payment made XX/XX/XXXX. Has stated that I have failed to cure my debt. XX/XX/XXXX XX/XX/XXXX Scheduled. Which I deny. 

( Prior contact with XXXX XXXX XXXX after having to pay additional money to replace money order from XX/XX/XXXX, that was " allegedly '' returned without cause or legal justification that she stated in email chain to the Investigating agency to appear as untimely payments, was then recanted in private email she sent to me stating that the returned payment would have made me ( XXXX ) month paying in advance, and now I was current. 

Not to mention when I requested the documentation stating my loan was " investment loan '' and how this came to be when the initial application provided to the XXXX marked primary, I was told that " sometime '' during the transaction history, the company modified the terms, but could not provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-16 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: NC

Complaint narrative:
The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts names : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: NC

Complaint narrative:
The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts names : 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

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 2024-08-16 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: IL

Complaint narrative:
Tomo bust credit, says, you can cancel at anytime, but ive, emailed them, several times since XXXX, they will, nor cancel, they continue to, take money out of my, account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some inaccuracies. These inaccuracies are hurting my credit and chances to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation