vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I am seeking your assistance to review accounts from companies that are inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, and they agreed, but they are still being reported as late. Despite contacting them, I have received no updates, leaving this as my final attempt for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
We had major Life altering events leading to and succeeding XXXX ( XXXX ). The loss of Income and neaXXXX XXXX XXXX XXXXXXXX made a difficult situation bad. Mortgage Servicer ( SPS ) was notified. XXXX added delays. XXXX discrimination by reason of National Origin and Color of Skin is front and center. 
XXXX became XXXX  and XXXX acquired multiple " XXXX XXXX XXXX XXXX Companies to get around issue of excessive Fees by Banks. 
Servicing a Mortgage now comprise a XXXX Circus of : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We started receiving Notices but no XXXX XXXX other than Foreclosure was allowed. 
All efforts to formally resolve the Debt in XXXX has been " sabotaged '' by SPS and Agents. 
At a point we sent about a Years worth of Payments via XXXX XXXX XXXX that was never picked up and had to go to XXXX to ask for Funds back. 
We set up Auto Pay but SPS will deliberately not honor Auto Pay until it believes multiple Payments are missing sufficient to trigger conditions of Foreclosure or " Denial of Qualified Benefits under " Under Water Assets '' that XXXX XXXX received under Federal Program Qualification guidelines. XXXX attempts to resolve and settle debt in Bankruptcy were scuttled by " Servicing Collection Irregularities '' using open tactics of " DENY DELAY DEFEND ''. It is a scheme used to dispossess mostly MInority HomeOwners who are in DIstress. 
The Servicing Irregularity with Collection is the Scheme used to cover up " Mortgage Equity Fraud '' aided by Professionals sharing same Address in a Professional Organization. I can give FTC, CFPB and any other Federal Regulatory Agency the supporting Data on the Scheme. Manual Check Payment is the method preferred by dubious Collection services. Mortgage Bank " LOCKED '' my Account, my offer to put Money directly into Account on regular Retiree Pay Schedule into Account for Prompt Posting, Bank gives me a 60 day turn around to relay to Servicer if Payment made directly to Bank.3 attempts to Work a Solution with Servicer insisting " No Home Retention Option '' after vesting over $ XXXX in Payments and Disaster Repairs in excess of $ XXXX that Lender placed Insurer has ducked out from paying. I frimly believe RACE and XXXX of Skin is major underlying components whatever the image presented by these Organizations. The targeted folks are Minority under Hardship. XXXX  Complaints and Online Case Search show this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

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 account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ I made a complain through Consumer Financial Protection Bureau to dispute credit card accounts that were opened fraudulently under my name with Bank XXXX XXXX. I received XXXX letters from Bank XXXX XXXX in which they stated that they received disputes for a loan with Bank XXXX XXXX. However, I'm not disputing any loan, I did open a car loan with Bank XXXX XXXX in XXXX and the loan was paid off entirely in XXXX. 
I want to clarify that I'm only disputing the XXXX credit accounts with bank XXXX XXXX, XXXX account with XXXX XXXX and XXXX account with XXXX XXXX. 
I also want to inform you that I received a statement from XXXX XXXX to my address for the first time even thought I never requested it. The fraudulent account was opened with a different address, and this is the first time I received a letter to my address. 
XXXX XXXX is trying to link the credit account to my actual address. The address link to the fraudulent account is XXXX XXXX XXXX XXXX, CA XXXX. I contacted XXXX XXXX in the past and they did not have any proof or document of a credit account opened with my real address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX. 
I also contacted with XXXX XXXX and they also do not have any document or proof that it was me who opened a line of credit. They only had the record that l opened a bank account with them. They could not provide any proof of my identity to confirm that it was me who opened a credit card. 
I'm requesting these fraudulent accounts to be removed from my credit report. I'm attaching my apartment contract with my address since XXXX and my utility bill with the same address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Tried to apply for a checking account and saving account with XXXX bank. I got denied.They said it was due to the following consumer reporting agency report that was provided by ChexSystems, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX There is no reason why i should have gotten denied my credit score is at a XXXX my utilizations is at XXXX percent and i have been working on my credit to get it back up to where its at now. Please check into this because its affecting me financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
Subject : Request for Debt Validation and Removal of Inaccurate Information Under 15 U.S.C. 1692c Dear [ Credit Bureau Experian ], I am writing regarding the debts listed on my credit report, which I believe to be either inaccurate, unverifiable, or otherwise in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Specifically, I am invoking 15 U.S.C. 1692c, which governs how and when debt collectors are permitted to communicate with consumers. This law prohibits communication with a consumer if the collector knows the consumer has representation or if the consumer has formally requested no further contact. In this context, I believe my rights under this statute have been violated. Furthermore, any debt collection or reporting activity conducted without proper validation of the debt constitutes a further violation of federal law. 
The debts in question are as follows : Name : XXXX Account Number : XXXX, Name : XXXX XXXX XXXXl Account Number : XXXX, Name : XXXX XXXX XXXX Account Number : XXXX, Inquiry : XXXX XXXX Under the FDCPA and FCRA, you are required to investigate and validate the accuracy of these debts. If the creditor or collection agency can not validate the debts with documented proof, such as the original contract or agreement, the debts must be promptly removed from my credit report. 
Additionally, if communication regarding these debts occurred in violation of 15 U.S.C. 1692cwhetheXXXX through prohibited methods, improper timing, or harassmentit further invalidates any attempt to collect or report these debts. I am formally disputing these items and requesting : 1. Validation of the debts, including complete documentation proving their legitimacy, as required by federal law. 
2. ImmediatXXXX removal of any debts that can not be properly validated or that have been reported or collected in violation of 15 U.S.C. 1692c.

Failure to comply with these requests within the time frames established by law may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. 
Please treat this letter as a formal dispute under the Fair Credit Reporting Act and a request for validation under the Fair Debt Collection Practices Act. I expect confirmation in writing that these items have been either validated or removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required time frame. 
Sincerely, 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 2025-01-07 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 XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX days before the payment due date. 


XXXX EXPERIAN 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 XXXX  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! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened XXXX XXXX visa credit card on XX/XX/year>. I paid {$450.00} annual fee and have maintained good relationship with XXXX Bank -- as in making payments in time. 

Per the website advertisement : XXXX XXXX XXXX, I was supposed to receive XXXX of {$25.00} inflight duty free coupons annually within XXXX to XXXX weeks from opening the card. I have not received them, so I called XXXX Bank twice today only to be told that they can't help. 

I am writing this to request my missing coupons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN XXXX XXXX XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX & XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for a card with XXXX XXXX bank and I need getting denied because they said a bankruptcy before that included XXXX of its credit cards. It's been almost 10 years ... I nevered included a card with them ... in fact they closed my only card I had with them because of no used. 

When I applied they said ... your application has been denied because XXXX of credit card was included in a bankruptcy ... and that the decision was not made by a credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Funding I have no knowledge of these accounts. Never opened these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Be advised that I am fully aware of my right under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act For instance, I know that : I have disputed this debt ; therefore until validated you know your information concerning this debt is inaccurate. 15 usc 6802 or 15 usc 6801.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the XXXX XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # CS Account Name : XXXX XXXXL # XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2025-01-07 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief