vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: PA

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 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 


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 2025-01-10 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
Every time I call every time I try to access the online accounts every time I email or every time I say something to someone they act like they don't know what I'm talking about numbers seem like they're not the right numbers my apps or not showing the right funds that shows online I'm being blocked from being able to send money I'm blocking able to receive money I'm being blocked from being able to access different assets I'm being blocked from everything all kind of ways because of different hush codes and different codes and stuff that are implicated to block blink pages and blank statements and all kind of someone is trying to make sure that I don't access funds or be able to get things even if I try to do an invoice is being blocked anytime I try to go home the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all kind of things every time I try to access the accounts it's being blocked or is acting like they don't know who I am

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.

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 2025-01-10 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The subject mortgage was in default, we eneterd into the mortgage company to settle the default by obtaining a settelment amouint of {$480000.00}. The settlement amount considered all factors. Prior to the settelement, the escrow account had a balance north of {$30000.00}, this amount was funded by the mortgage company. The agreements we entered into never stated that the maount of escrow will aslo be applied to the pay off balance. According the agreement the pay off balance was {$480000.00}. Sfter we closed I spoke to PHH Mortgage and requested the balance, I was told that I needed to wait 20 days to settle the escow, PHH Mortgage has not paid the balance to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I never received a debt letter telling me about this debt or that i could dispute this. I found out by researching my credit file. I contacted the agency and requested a validation letter with proof and was never sent one. This debt is not mine and is negatively effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Was told before going into forbearance ( XX/XX/XXXX ) a deferral would be an option, after 2.5 months ( XX/XX/XXXX ) was then told a deferral was not an option for a VA loan. Payment modification or loan modification is not financially do able.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file. 

Items should be updated

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 2025-01-10 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 EQUIFAX XXXX 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 21 days before the payment due date. 


EQUIFAX XXXX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
So I tried to transfer money from my XXXX XXXX  to my bank account while using their app ( the bank ) and that was on the XXXX. I got an email saying that my recurring transfer is all set but i wouldnt get it instantly I had to wait until the XXXX but i forgot about it and had my card locked so it didnt go through I even got an email saying it didnt go through. Then on the XXXX I got my paycheck and sent XXXX to my bank from XXXX XXXX at XXXX then I see another charge at XXXX from XXXX saying my transfer from XXXX to Wells Fargo is complete. I was thinking maybe that was the transfer I was trying to do like a week ago so I go check to see if its there and it just said pending so I call the people at the bank to see how long it would take and they said they didnt even see that transfer and they cant really do anything on there end.So now at this point i started to get aggravated I had just got my paycheck too but I hang up on them, transfer out the XXXX I sent at XXXX back to my XXXX and figured Id wait for it to finish pending and when I did that there was still no money on my account I called the people back there still saying theres nothing they can do.

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 2025-01-10 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: FL

Complaint narrative:
date open XXXX 2023 Loan type : XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX This company has violated 15 USC 1681a ( 4 ) Right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC
State: FL

Complaint narrative:
On XXXX I called a number that was supposed to to be for XXXX XXXX XXXX, to take care of a collection. The number on XXXX that said call lvnv now is the one I called. After talking with the gentleman for 20 minutes then he asked to charge my card for {$370.00}. I said wait a minute, thats not what Im calling about. Im trying to reach XXXX  and take care of a collection for {$580.00}. He said, they are Credit Sage. A credit rebuilding company and he had already put in disputes for collections on my credit and they are charging me a one time fee of {$370.00}. I should get an email in 24 hours with a letter for my lender, as I am trying to buy a house. After speaking to my lender and credit specialist, I was made aware what a scam they are and how their actions were illegal. I was urged by my specialist to make a complaint to you after canceling with the company and trying to receive a refund. I was able to cancel any further payments but as for my refund, they will not return my call for this action. I have a dispute claim open with my XXXX XXXX  in hopes of getting my money back. Please keep them from being able to continuously do these malicious acts. I was simply trying to pay a collection and now my money for that has went to some who scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My CD got matured today. By law, synchrony bank was supposed to deposit my total CD money in my synchronys high yield savings account. As usual, corrupt synchrony bank DID NOT, an illegal act.

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 2025-01-10 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: GA

Complaint narrative:
I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a XXXX XXXX or fraud, and I request a thorough investigation. I also demand verifiable proof bearing my signature or electronic signature to validate these actions. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I did not authorize the actions reflected in my credit report, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section XXXX : Blocking information resulting from identity theft or fraud [ XXXXXXXX XXXX XXXXXXXX ], and Section XXXX : Permissible purposes of consumer reports [ XXXXXXXX XXXX  XXXX ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are a result of a XXXX XXXX or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-01-10 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: TX

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2025-01-10 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: EQUIFAX, INC.
State: VA

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 XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I made a payment of {$1000.00} in XX/XX/XXXX to pay off XXXX XXXX. This was never applied. I called on XX/XX/XXXX they stated they never got it. Called XX/XX/XXXX spoke to XXXX. He said he doesn't see my payment at mohela that it want to Dpt of Education then states I need to send proof. I sent secure message via website on XX/XX/XXXX. Called them back, XXXX states she sees my uploaded documents and to call back in 120 days. I call back XX/XX/XXXX speak to XXXX, she says she sees the payment but for XXXX not XXXX but neither are applied to my loan yet. I resend the information via fax. Supervisor states significant delays call back in ANOTHER 120 fays. Call back XX/XX/XXXX speak to XXXX, she does not see any of this payment. Speak to XXXX, says she sees my evidence and it just needs to be applied to my loan, call back In XXXX Called XX/XX/XXXX - hold quote XXXX minutes. Called XX/XX/XXXX hold quote 196 minutes. XX/XX/XXXX called at XXXX XXXX, hold time quote 2 minutes, I've been on hold for a half hour already. I had a similar problem getting {$100.00} posted to another loan which I also started trying to track down in XX/XX/XXXX and wasn't " found '' and " applied '' until XX/XX/XXXX. This missing payoff payment is for a loan they are now requiring me to make payments on starting XX/XX/XXXX,

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