vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-09 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: CA

Complaint narrative:
someone applied for credit in my name that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This account is reporting incorrect late payments. I took a trip to XXXX and ended up being caught in a war while I was there. I was stuck in XXXX and had no access to internet whatsoever. I even had to stay in a XXXXXXXX XXXX due to the severity and dangers of the war, and I was subjected to constant terror and missiles being fired at the area I was in. 

I was a victim of terror and had absolutely no way of logging into my account to make a payment, as there was no internet connection at all. I even tried to make a call to Wells Fargo to see if the call would go through and was not able to reach anyone, due to the poor connection. All of the networks were completely down due to the war. 

I am requesting from you to have these incorrect late payments removed from my account and from my credit reports, as they were beyond my control, and due to the consequences of a huge war that is still ongoing.

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 2024-09-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts yall trying to collect Im not with it at all and them amounts yall saying I owe are way off. Dont waste your time sending me any proof Im not trying to see it. I know whats real and proof aint gon na change nothing. If you need to hit me up, do it by email only between XXXX XXXX  and XXXX XXXX XXXX. Dont send me no mail whether its USPS , XXXX XXXX XXXX or any courier and dont call me and voicemail either Its just a big inconvenience. ACCOUNT # XXXX and anything else you have wit my name on it. Just keeping it real.

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 2024-09-09 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I have two inquiries on my credit report. One from XXXX XXXX b on XX/XX/XXXX and one from XXXX on XX/XX/XXXX. Both of these are from banks trying to get a line of credit. Awa collect is From a medical bill that I had from XXXX, but I had insurance during this time of the XXXX. So I dont know why they are trying to collect {$670.00} From me. Account number XXXX from date XX/XX/XXXX. XXXX collect account number XXXX {$720.00} from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
in XXXX, Mr. Cooper purchased my Mortgage from XXXX XXXX whom I was paying for my mortgage since XXXX. XXXX XXXX CLOSED my account XX/XX/XXXX according to my credit report. Once Mr. Cooper took over the Mortgage, my credit score decreased XXXX points due to lack of payment. I never missed a payment. On XXXX, it says that my Mortgage was purchased Nationstar " New NATIONSTAR MORTGAGE LLC DBA XXXX account detected ''. I never paid Nationstar but I have paid Mr. Cooper regularly in XXXX when they said they took it over. I have no idea who Nationstar is expect it says that Nationstar was also taken over by Mr. Cooper. When I call Mr. Cooper, they are unable to resolve the problem. Mr. Cooper has an accurate record of my regular payments and confirms all payments are up to date. My credit report, states : XXXX XXXX XXXX XXXX points since XX/XX/XXXX Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with NATIONSTAR MORTGAGE LLC DBA XXXX was added to your report. This account was opened on XX/XX/XXXX. 
The above is stated on my credit report. On XXXX XXXX, I opened my Mortgage with XXXX XXXX and I have been paying XXXX XXXX  since XX/XX/XXXX when my first payment was due. I am unable to get this problem resolved. Please help me! XXXX XXXX no longer services my loan and can not help me with this issue. Nationstar Mortgage is reporting that a Mortgage in my name is open but NEGATIVE ( NO PAYMENTS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I asked them to please provide an itemized listed of charges. They have refused. I offered to pay 50 % to settle and they told me theyll see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: AZ

Complaint narrative:
Experian did not respond within 15days of receiving letter i mailed certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX SSN : XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation Please mail me the proof of your investigation and proof that this debt collector has a legal right to report or delete this account. 

XXXX XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

XXXX XXXX XXXX  with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

XXXX XXXX XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

I personally signed and sent this letter. 

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 2024-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: IL

Complaint narrative:
Attached is my complaint letter sent to mortgage company. 
Department, Account Numbers Midland MortgageXXXX XXXX XXXX XXXX - XXXX Attention : To Whom It May Concern, I am writing to address an error regarding the balance owe on my loan account. The current balance reflected is incor and requires a thorough review. 
I borrowed {$64000.00} from XXXX XXXX on XX/XX/XXXX. On about XX/XX/XXXX, my loan account with XXXX XXXX was transferred to Midland Mortgage with Midfirst Bank as loan servicer. The balance transferred was incorrect. 
According to the attached court order documents, my cori loan due amount was {$3500.00}. 
The total of {$28000.00} that was paid to Midfirst Bank by XXXX was an incorrect amount that I owed. Howeve XXXX paid this amount to Midfirst Bank in grant form. 
Subtracting the amount I owed, {$3500.00}, from the {$28000.00} paid leaves a balance of {$24000.00}. 
Attached are my payment receipts totaling {$31000.00} in payments to XXXX XXXX since the start of my loan. Based my original loan amount of {$64000.00} as indicated in the attached Mortgage Note, the remaining balance should be calculated as follows : c Original Loan Amount : {$64000.00} c Total Payments Made : {$31000.00} Remaining Balance : {$33000.00} t Amount Paid by XXXX : {$24000.00} a Total Amount Toward Loan : {$55000.00} Therefore, {$64000.00} minus {$55000.00} leaves a balance of {$8200.00} for the entire loan or an overpayment of {$24000.00}.

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 2024-09-09 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 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: PA

Complaint narrative:
My account with XXXX 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. 


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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-09 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I have tried to get on the SAVE plan since early XXXX when first applying. I called later because my paperwork was denied and I was told that it should be fine and to submit my W-2 again. Now Im being told the second submittal from XX/XX/year> was never received and my application was denied from lack of signature and they can not help me in any way. I can apply for deferment but no guarantee it will be approved and will be past due for a payment I can not afford. Ive tried to submit the paperwork more than once and was never told about there needing to be an adjustment official signature and now Im being pushed aside like nothing. I was told there is nothing they can do for me although Ive done everything I can to make this work. To top this all off I was unemployed for the last two weeks for XXXX and just started my new job in XXXX. The rep tried to dismiss me as soon as I got on the call which caused me to blow up. Between the horrible service and poor communication I am left with a debt I can not repay with no real options for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  CO Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX AUTO Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OK

Complaint narrative:
For a long time I asked about someone accessing my account and why my bank can transfer funds also they keep saying to me that they have worked on it but don't fix it. Since 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
I AM BATTLING STAGE XXXX XXXX AND AM UNDER TREATMENT WITH A VERY EXPENSIVE MEDICINE. THIS COMPANY IS COMING TO MY HOUSE AND SERVING ME WITH THREATENING LAWSUIT PAPERS. I JUST RECEIVED THREE FORMS OF COMMUNICATION FROM THEM TODAY. THIS DEBT WAS NOT THIS MUCH UNTIL THEY ADDED THEIR FEES AND INTEREST. THEY SAY THIS DEBT WAS FROM 2022, WHEN I UNDERWENT XXXX XXXX. THEY ARE THREATENING TO SUE ME AND TAKE MY XXXX INCOME. I DO NOT HAVE MONEY TO PAY THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief