vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
I received a derogatory mark on my credit report for a XXXX XXXX that I believed had closed up because of Covid -19. Of course my credit score dropped a lot. I received no invoice and no notice, no type of communication, no phone called no letter. nothing. I am contacting you I believe this was so very unfair. The Monterey Collection a debt collection agency handled my situation wrongly. This was unfair. I should have been contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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 TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION 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 2024-08-20 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: CA

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-08-20 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: TX

Complaint narrative:
PLEASE CHECK ALL DOCUMENTS, THESE ARE STRESSING ME OUT

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I am a receipient of a class law suit against XXXX XXXX in New York ; however, I moved to XXXX. 

When the time came to get the distribution checks, I contacted the attorney that handled the allegations ; to inform them that I had moved to XXXX  and provided my new address and contact info at : XXXX They responded that they will send me a check, after about 12 weeks they responded that, they have sent the check to my old address, and said that the check was cashed already by someone else, they sent me a copy of the canceled check. 

I then took the canceled check to Huntington Bank in XXXX  asking them to refund the funds, but Huntington bank, refused to re-imbursed me my funds. 

Plese help me to get my funds as I was not in XXXX, I did not get the check and Huntingotn Bank should have not cashed my check with out my ID. 

Thank you so much for your assistance on getting this funds that will make a big impact on my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: AZ

Complaint narrative:
In XXXX  Experian allowed an unknown individual to place a false e-mail on my credit reporting account and provided my credit report to this individual without my authorization. For over 2 years they have failed to remove this individual and their phone number from my account and remove their id from their membership. I am the victim of idenity theft with a police report on file and I can not get any cooperation from Experian. The false e-mail is 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 2024-08-20 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.

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 2024-08-20 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX  - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.

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 2024-08-20 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: MS

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-20 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 recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for 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 2024-08-20 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 recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for 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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
It is very difficult to get a hold of this company. I filed a XXXX complaint because I could not get through any of their links to request a refund of owed money. After the XXXX  complaint they contacted me and said that they would send a refund. I have still not received the refund. 

Now, I am trying to request deferment for a XXXX XXXX XXXX. Their website is a literally a web of dead ends. When you finally find where you should be, the site is always down. I have trouble signing on each time i try to access the website. 

I have had many loan companies over the years and this is the first one that actually seems to be scamming people and there is nothing I can do about it. Eventually they will start adding on fees or say I didn't pay when I should have, but there is nothing else I can do. Each time I do something like this, I get a response, but otherwise ... .. it's crickets. 

Please hold them accountable and make them have a functional website ( if that is to be the main form of contact ) and responsive staff or have them switch me to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My identity was compromised, I locked credit, had alert credit for capital 1 was submitted. I did not submit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
I settled the balance of loan in agreement with XXXX XXXX. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.

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 2024-08-20 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: NY

Complaint narrative:
I settled the balance of loan in agreement with XXXX XXXX. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
I settled the balance of loan in agreement with XXXX XXXX. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.

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 2024-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Payments take long to process, my issue is I will submit a payment on a Wednesday or thursday, and it won't process and even leave my bank account until a week later on wednesday or thursday. 

Monday i already feel like It should be processed and have daily expenses, bills, etc. Sometimes I move my funds around accounts as I do different businesses and they have different needs and the payment won't go through as I was short like {$50.00} or something tiny. What bothers me is how long it takes to process, and It affects every other bill as they all have different due dates. The worst thing about it is once I had no idea from a payment on the XXXX until around the XXXX close to the XXXX so I had to make double payments by the XXXX as It took them so long to even find out it never went in and messed me up, and charged me a late fee. If i would have known on the XXXX, or XXXX I would have been okay. 

The XXXX is when they charge late fees and they never inform if it doesn't process and take forever to accept money. Why is it so hard to take my money from my bank? Absolutely ridiculous. I went past 30 days by 1 day because of this, and I hope it doesn't affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called Capital One customer service on XXXX to pay {$50.00} which was the balance owed. The due date was XX/XX/XXXX. I checked my online banking today and saw it had not been taken out. I then called customer service today to check why it hadn't been taken out. They said there was an error in my information. I know I gave all the correct info and I gave it to her twice. I guess it was denied by the bank. I asked to have the {$29.00} late fee waived but was told no. I then went online and paid the {$50.00} and will now check everyday to make sure it is taken out. Today is XX/XX/XXXX so I would be 1 day late through no fault of mine. Also, I have a XXXX XXXX and the person I spoke with had an accent which made communication extremely difficult. 
I never use this card except to pay the {$50.00} membership for XXXX. Also, I did not receive a phone call about any problem with the payment. I have an answering machine and there were no messages from Capital One or the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXXXXXX  - 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, XXXX, XXXX have all violated my privacy of student loan information, reporting it to public on credit reports without getting consent, giving it to XXXX  parties. Also, there are false indications on my credit report from all XXXX, I have attahced XXXX under the XXXX loan stating that I was making payments with that loan. I never made any payments. I am protected under The Family Educational Rights and Privacy Act Of 1974.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian, XXXX, XXXX have all violated my privacy of student loan information, reporting it to public on credit reports without getting consent, giving it to XXXX parties. Also, there are false indications on my credit report from all XXXX, I have attahced Experian under the XXXX loan stating that I was making payments with that loan. I never made any payments. I am protected under The Family Educational Rights and Privacy Act Of 1974.

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 2024-08-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family.

Company response to consumer: Closed with non-monetary relief