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

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-07-08 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:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error

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 2024-07-08 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: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error

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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. These late payment that is reporting is a result on a systematic error on their end processing my payment. 

These was clearly a billing error made me 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 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was charged {$34.00} from a XXXX vendor at a location in XXXX at a time and date when I was not even close. I do not remember making the purchase. I asked Capital one to help me dispute the purchase. They said they could only do it if they classified it as " Fraud '' and so would have to get a new card and number, which is very painful. Despite talking to 4 very rude people including a supervisor who were laughing and disrespecting my age and memory ( I am XXXX XXXX XXXX and retired ), they would not dispute or further investigate the charge. I told them that I did not want to get a new card and number because that would be a lot of work setting up online payments again. They said I either cancelled the card and get a new number or they could do nothing for me. They would not dispute or investigate the charges. They came across as disrespectful and " XXXX  ''. 
The supervisor was XXXX ( employee number # XXXX ) and the last of 4 service agents was XXXX ( Employee # XXXX ). I think they need training is being respectful to older people.

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

Complaint narrative:
I have repeatedly tried to resolve the issue of false, incorrect, and misleading information on my consumer report, but the problem persists. These inaccuracies have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, 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 non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly tried to resolve the issue of false, incorrect, and misleading information on my consumer report, but the problem persists. These inaccuracies have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, 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 2024-07-08 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: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX XXXX XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I never signed an agreement with Credence Resource Management. This company failed to provide an agreement with their company showing my signature, the forward flow agreement, a copy of my identification to verify that it is indeed my debt, or lastly a license to collect the alleged debt. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
On XX/XX/year> I purchased a used vehicle from XXXX auto with a loan from credit acceptance, what I did not know was that Credit acceptance was misrepresenting the cost of credit and tricking me into a high-cost loan on a used car. The true cost of credit offered is far higher than what I was told. 
Causing me to face unaffordable monthly payments, vehicle repossessions, and debt collection. Credit Acceptance violated consumer and investor protection laws.The company created financial incentives and added extra products to the loan. Credit acceptance is also reporting false information to the credit bureaus regarding on time payments, how much payed off on the loan all just to damage my credit score just for their fair gain. All in all, Credit Acceptance hides costs in loan agreements and sets consumers up to fail.

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 2024-07-08 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:
In XX/XX/year>, I checked my credit profile with all 3 Credit reporting agencies and noticed there were unauthorized inquiries. I sent out correspondences to all 3 in hopes of getting it resolved but to no avail. Particularly Equifax sent a letter stating the inquiry was valid but did NOT provide any documentation or proof validating this claim which caused me to file an identity theft report with the FTC.. Here is my report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.

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 2024-07-08 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: CA

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

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 2024-07-08 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried for 3 + days to log into my Experian account to review my record. Logging in requires passing a 2 step authentification process. This process is broken and the passcodes are not being sent and there is no work around. Thus I am not able to log into my account to get the info I want nor am I able to contact Experian to notify them, due to their automated phone tree that just hangs up on you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: OH

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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

Complaint narrative:
Hello, my account has a shortage in the escrow because of some homestead exemption taxes that were found that they were behind with an amount of {$48000.00} and what phh mortgage has done is put that shortage in top of my monthly mortgage payment which has an increased {$1800.00} additional to my monthly mortgage payment. I used to pay about {$1200.00} and now my mortgage payment is {$2800.00}. This is unbearable and its just cruel. I dont want to lose my home!

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 2024-07-08 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: IL

Complaint narrative:
0n XX/XX/year> I received letter in the mail from XXXX XXXX XXXX stating they denied me for auto refi, I never applied or gave this company authorization consent to run my credit, this prompted me to look at my credit report to my surprise I saw 3 other agencies that ran my credit report FRAUDULENT without my authorization consent all 4 inquiries are hard inquiries. I have no knowledge about these finance companies nor did I authorize or give verbal or written consented. Remove these Fraudulent companies and their hard inquiries from my credit report. 
Transunion File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Fraud Thank you for your attention to this matter!

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 2024-07-08 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I never signed an agreement with Credit Collection Services. This company failed to provide an agreement with their company showing my signature, the forward flow agreement, a copy of my identification to verify that it is indeed my debt, or lastly a license to collect the alleged debt. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Per XXXX Department of Education Subject : Student Loan Discharge Based on Borrower Defense Evidence You have been approved for debt relief under the XXXX XXXX XXXX This is part of the XXXX XXXX commitment to delivering relief to borrowers whose schools engaged in unlawful conduct. 

The XXXX Department of Education ( XXXX ) has determined that the federal student loan ( XXXX ) you received to attend The XXXX XXXX on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). 

Your loan ( XXXX ) will be discharged based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX  XXXX XXXX  from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, XXXX has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I have a Borrowers Defense case and I am apart of the class action lawsuit XXXX XXXX XXXX My student loans are consolidated and are supposed to be forgiven. I noticed Mohela only forgave some of my loans. They have not responded to my complaints.

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