vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial has not been reporting to XXXX or the others credit agencies since XX/XX/XXXX, that they are charging {$8100.00}. I found out about the the co-signing bill after a call XX/XX/XXXX to pay my own bill using my social security that they were still billing after they charged off XX/XX/XXXX, sold XX/XX/XXXX, and closed my son 's account. They stated he owed {$6600.00}, I looked up my credit report and it indeed was frozen, I disputed the discrepancies with XXXX XX/XX/XXXX after trying to speak to Ally and they kept telling me managers would call me back. XX/XX/XXXX Nothing was resolved. I called insisting I speak to a momager they forward my call to HRC Department where XXXX XXXX XX/XX/XXXX offered a settlement after speaking to his managers in escalation that they would agree to accept {$2900.00} or {$240.00} for 12 months as a fair payment to end this. I agreed and asked him to send in writing that they will also fix the 2 different amounts and update the credit report to balance zero and paid off upon the receipt of the funds. He never did. I have called again and left messages XX/XX/XXXX for a week and after several run arounds of he will call me back, now he doesn't exist, said XXXX XXXX XX/XX/XXXX they don't know what I am talking about, and that the information given to me was in error they sent me to collections. And Manager XXXX XXXX will call me back soon. They have never called me or my son to know this bill existed after they sold it and they do not even consider I have been a loyal paying client with my own car I am down to my last 3 payments and my car broke down. I am still paying my car. They are not acting fair and in good conscious towards my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed. 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!

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 2024-10-22 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint concerning a fraudulent account that has been inaccurately reported as a charge-off on my credit report from the company Apple Despite my repeated efforts to resolve this issue directly with the credit bureaus and the creditor, the account remains on my report and continues to cause harm to my credit standing. 

Steps Taken to Resolve the Issue : 1. Debt Validation Requests : I submitted debt validation requests to all three credit bureaus ( XXXX, XXXX, and TransUnion ) in compliance with the Fair Credit Reporting Act ( FCRA ). To date, I have not received any proof or documentation validating the legitimacy of this debt, nor a copy of the original contract or the assignment contract for the alleged debt. 
2. Disputes and Removal Requests : I have contacted the credit bureaus on multiple occasions, requesting the removal of this fraudulent account from my credit report. However, despite the absence of validation and the lack of contractual proof, the account continues to be reported. 
3. Creditor Reporting Inaccuracies : The creditor has also been reporting inaccuracies related to the account. Specifically, they have been reporting the account as charged off every month. A charge-off is a one-time event, and the continuous reporting of the charge-off every month is incorrect and misleading.

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 2024-10-22 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint concerning a fraudulent account that has been inaccurately reported as a charge-off on my credit report from the company XXXX Despite my repeated efforts to resolve this issue directly with the credit bureaus and the creditor, the account remains on my report and continues to cause harm to my credit standing. 

Steps Taken to Resolve the Issue : 1. Debt Validation Requests : I submitted debt validation requests to all three credit bureaus ( Experian, XXXX, and XXXX ) in compliance with the Fair Credit Reporting Act ( FCRA ). To date, I have not received any proof or documentation validating the legitimacy of this debt, nor a copy of the original contract or the assignment contract for the alleged debt. 
2. Disputes and Removal Requests : I have contacted the credit bureaus on multiple occasions, requesting the removal of this fraudulent account from my credit report. However, despite the absence of validation and the lack of contractual proof, the account continues to be reported. 
3. Creditor Reporting Inaccuracies : The creditor has also been reporting inaccuracies related to the account. Specifically, they have been reporting the account as charged off every month. A charge-off is a one-time event, and the continuous reporting of the charge-off every month is incorrect and misleading.

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 2024-10-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: MA

Complaint narrative:
My accounts 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 to be removed/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.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Request for Purchase Agreement, 1099-C Form, and Original Contract Dear Midland Credit Management , Thank you for your response regarding the accounts associated with my name. I appreciate your acknowledgment of my inquiries and your commitment to consumer rights. 

In order to proceed with my records and understand the transaction better, I kindly request the following : 1. A copy of the purchase agreement related to the sale of the debts referenced in your letter.

2. A 1099-C form for the charged-off account.

3. A copy of the signed original contract associated with these accounts. 

These documents are essential for my records and will help clarify the details of the transfer of ownership from the original creditor to your agency. 

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-10-22 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: Self Financial Inc.
State: OH

Complaint narrative:
Dear CFPB, I am writing to report that I am a victim of identity fraud. The following accounts were fraudulently opened in my name without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the address XXXX XXXX XXXX was fraudulently associated with my identity and does not belong to me. I did not consent to the use of this address or the creation of the above accounts. I kindly request an investigation into this matter and assistance in resolving the fraudulent activity. Please let me know if you need further information or documentation to support my case. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a disputes on XXXX and XXXX, confirmation numbers XXXX and XXXX. 

I filed a dispute at three credit bureaus. The companies have since verified this info with me. Today, XX/XX/year>, I called all three companies to have my disputes cancelled. XXXX and XXXX cancelled right away at my request. 

Equifax, however, refused to allow me to cancel my disputes on my report. They claimed that this was company policy despite it running counter to logic, law, and what the other two companies do. 

Equifax is not allowing me to control the information, in the form of disputes, on my own credit report. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I obtained a Mosaic loan for solar panels installed on my home. Paying each month was a hassle due to their system being old and problematic so I signed up for automatic payments. This worked much better until the payment amount changed. I received notice the amount was changing but not the the new amount nor when it would change but I wasn't concerned because I was aware it would change and I had automatic payments set up. 3 months later I get a late notice on the difference of the original amount and the new amount which didn't make sense. I had no idea when the new amount was due nor what it was and I saw the old amount still being pulled on the correct date as usual. So I called and settled the account right away for the difference plus made sure the new amount was updated. I then saw it come up on my credit report as a late payment. The payment was NEVER late. They collected the incorrect amount on my automatic withdrawal. When I called to dispute it, I was told it was my responsibility to update the automatic payment amount and to know how much and when. After numerous calls, I FINALLY got a representative to tell me that because I paid XXXX day later than when they report late payments, it was marked late even thought it wasn't AND that they should have update the automatic withdrawal amount. He also confirmed they never sent the amount nor the date. So, he escalated for me ( this was after much pressure on my part because this company has no actual escalation path nor direct phone number for disputes ). They are basically saying this mark shouldn ' be a big deal and take no accountability and 'no one can help you '. It has taken me from 100 % payment to 99 % and can be on my report for YEARS. It's XXXX thing if I was late but I wasn't and I never am late and I had automated payments to avoid the issues with this company with payments from the start. I absolutely do NOT accept this mark as valid and this company seems to feel they can just mark my credit for THEIR error with XXXX repercussions. When they first refused to connect me with someone to discuss this issue I said I will report you for credit reporting fraud and the rep actually said XXXX should do that because there won't be anyone here that can look at this. ' Sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Vertical Screen
State: AR

Complaint narrative:
Big ( Business Information Group ) Client Code : XXXX Report # XXXX Your letter/email from XXXX, per XXXX XXXX, dated XX/XX/XXXX XXXX email stated that I can dispute XXXX XXXX XXXX XXXX, XXXX XXXX XXXX as XXXX address on my file because it was/is on material from a previous application from XX/XX/XXXX - XX/XX/XXXX. 

You are reporting information that is inaccurate, and you state that I can't dispute, yet your letter dated XX/XX/XXXX, states " I have the right to request a description of the procedures used to determine the accuracy and completeness of the information, including business name and address of any furnisher of information .... it also states " I must request, furnish notification that the item has been modified or deleted and that I have a right to dispute inaccurate information on the XXXX files, under the FCRA XXXX XXXX XXXX. 

Please review, investigate and verify ( by humans ) the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX... XXXX from my file, not my address XXXX Meadowoods Pl XXXX XXXX XXXX... delete from my file, not my address Bankruptcy ( Credit )... 
Docket # XXXX ... XXXX from my file, its not on XXXX XXXX, Docket # XXXX ... XXXX from my file, its not on XXXX file XXXX # XXXX ... XXXX from my file, its not on XXXX file ... XXXX I have no need to contact XXXX because they are not reporting this. 

XXXX XXXX... XXXX from my file, its not on XXXX XXXX XXXX XXXXr ... XXXX from my file, its not on XXXX file XXXX ... XXXX from my file, its not on XXXX Hard Inquiries : XXXX DOES NOT HAVE THESE INQUIRIES ON MY FILE, SO PLEASE DELETE> XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: WA

Complaint narrative:
I feel violated by my rights especially because I never allowed this inquiry on my report or for any of the companies to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Dear CFPB, I am writing to report that I am a victim of identity fraud. The following accounts were fraudulently opened in my name without my authorization : radius global XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX Additionally, the address XXXX XXXX XXXX was fraudulently associated with my identity and does not belong to me. I did not consent to the use of this address or the creation of the above accounts. 

I kindly request an investigation into this matter and assistance in resolving the fraudulent activity. Please let me know if you need further information or documentation to support my case. 

Thank you for your prompt 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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TomoCredit Inc.
State: TX

Complaint narrative:
I saw an ad for Tomo credit that they help fix your credit and if you pay XXXX a month you get a credit card with a big credit line. So I signed up it look legitimate then I got an email saying they no longer offer a card and all they offer is to help fix your credit very much like XXXX XXXX. Which I have and its free. I tried writing them it took them a long time to get back and they say will not issue refund. They dont have a phone to call or speak to someone. I have put a reversal at my bank waiting to hear back. This has been a nightmare I cancelled but this company gives no support they provide false advertisement. They also have a ton of articles of many people being scammed by them. I need help..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief