vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the following statement is true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to file this dispute. I understand that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001 and as perjury under 18 U.S.C. 1621.

An item on my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. The debt collector, IQ Data International, has placed an unknown account on my credit report without my knowledge or consent. This has caused significant harm, including damage to my credit score and defamation of my character.

The continued reporting of this fraudulent debt by IQ Data International constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the collector, they have failed to provide sufficient validation of the debt and continue to report this erroneous information to the credit bureaus. This has led to emotional distress, financial hardship, and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CA

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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I received a notice of a suspension of my account. I called and was advised to send copies to secure docs of my license, ss card and bank statement showing address. I did and received confirmation of receipt within 30 minutes. I have called 10 times to get information only to be told to wait for an email first 48 hours then 72 hours, now no time frame. I contacted the housing bank Community and was told if could not get help call them back, they then would research the matter as they have several other complaints like this. My information address, phone email ect. have not changed since opening of this account. I have my SS direct deposit with you also. My rent is due with 4 days and I need my money freed up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Back in XXXX  I purchased a car from a dealer and the financing company that was used charged me an high interest rate and added somethings I didnt want but was told I had to get. The dealer was XXXX cars in XXXX XXXX And the financing company was Credit Acceptance Corp. And now Im being told because I cant afford the payment they will be repoing the vehicle soon. I believe I was taken advantage of in many ways and that the fees and the percentage rate was outragious. I was made to get an extended warranty that not long after getting the vehicle I had to take it back for bad turbo. And they wouldnt cover bolts or gaskets anything it needed to be put in all together they wanted me to pay out of pocket almost {$700.00}. So it didnt get fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Goal Structured Solutions, LLC
State: TN

Complaint narrative:
Applied for discharge due to total XXXX referencing federal discharge related to the same. No response. 

No response either regarding bankruptcy or forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have tried paying my XXXX XXXX  off twice now, and both times my loan servicer Aidvantage has reversed my payments. The first time I attempted to pay off my XXXX XXXX  in full with a one time payment of {$5000.00}. I received an email saying that the payment was posted, only to be told days later that the payment had been reversed. The email I received was vague, only saying that that I had a " New document ready to view '' without informing me about the intent, and the only reason given for the reversal was an invalid account number. I checked my bank savings account information though, and it is still accurate given my account number and routing number. I tried again this week to pay off {$25.00} as a test, and again it said the payment was posted, only for it to be reversed days later. This is ridiculous. I have tried paying my loans off in good faith and each time my loan servicer has reversed my payments while allowing interest to accrue and making my total balance larger. Please fix this so I can pay my loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: VA

Complaint narrative:
CFPB, I'm not happy with TransUnion I've there Fraud department 6 times about an inquiry on my report, that I know nothing about. I did not authorize for that inquiry. Fraud is a serious matter. I fill that TransUnion is not taking this matter serious. Also I will attach the FTC 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 2024-08-12 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
I talked to someone at XXXX  informing them that I have inquiries that needed to be removed. They said they will do it and it should only take a few days to update. Its been 3 weeks. 


I also called them about the letter of dispute about the XXXX late payment being reported on from the account XXXX XXXX account # XXXX I have Never been late on this account! I called the company and informed them of the mistake and they said it will be updated. I called experian and they said it will 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 2024-08-12 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
TransUnion is unavailable to the people whose reports they mangle when we try to get in touch. I did so twice today. I logged in ( after getting a new password, not that my password did not work but transunion said it was " old ) and thus after logging in this pathetic ridiculous anti-consumer company twice said, oh we can't do this now .... PLEASE SEE MY UPLOAD. 

Furthermore, it is outrageous and completely off the wall that this company thinks it will be okay for people to use their XXXX account or their twitter ( now known as X ) account to log in. This is insane. I am certain because did not have a FB account and would not use my X account these imbeciles would not let me proceed to get their erroneous information corrected. 

they XXXX ) have an incorrect address I believe stating that I live on XXXX XXXX,. but it is not the accurate address and 2 ) I KNOW FOR A FACT THEY HAVE TWO HITS ON MY REPORT THAT SHOULD BE ONLY ONE.

Why has this company so unwilling to correct their mistakes?

This is whole thing is mindboggling you can't log in, yet I see erroneous info on another credit reporting company XXXX and ALL INACCURATE INFO IS BAD. 
Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: VA

Complaint narrative:
This account is from XXXX XXXX  the original creditor it was paid and closed and transferred/sold to XXXX XXXX XXXX  XXXX once XXXXXXXX XXXX XXXX XXXXXXXX got the account they started to illegally report to all the consumer reporting agency that the account had a balance and falsely reported that I made a payment on XXXX XXXX which I never did they said it came from a secured account but the account listed as an unsecured on Experian by XXXXXXXX XXXX XXXX XXXXXXXX and the next inacurassie is XXXX reported it as paid and never late transferred /sold with no balance remaining XXXX XXXX XXXX XXXX listed as a balance due that another violation and its also listed as a collection charge off with a past due balance and the final inaccuracy is where did this remaking balance come from if XXXX XXXX the original creditor listed it as paid enclosed is a copy of how it is being reported on Experian there are several inaccuracies and according to the fcra I am afforded a fair and accurate and verifiable consumer report and I am not getting that with Experian and this account being reported wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I have received two seperate phone calls and my husband has received one phone call from CKS Prime Investments / Velocity over the past two months regarding a credit account owned by XXXX XXXX. I informed CKS that XXXX XXXX  doesn't live at that number or address and to stop contacting me. I was contacted again via phone and again, I informed them to stop contacting me as the debtor doesn't live here. 

I received mail on XX/XX/XXXX from CKS investments, as well as spam mail from other attorneys regarding an " urgent court matter '' on the envelope. I didn't not open this mail, however I did look up the XXXX XXXX court records and searched the name, XXXX XXXX, that was on the envelope. I found a court record filed XX/XX/XXXX, showing plaintiff CKS Prime Investments, and Defendant XXXX XXXX. ( Attached ) My address is listed on both the complaint and the summons. ( Attached ). This filing was filed after I had already informed CKS that XXXX XXXX does not reside at my address or phone number and to stop contacting me. I have been receiving excessive spam mail from attorneys addressed to XXXX XXXX regarding this case, due to my address being publicly attached to an active court case. I am worried me, my husband and my children will soon be harassed by a process server and / or an officer attempting to serve someone who doesn't live here and I will again have to go out of my way to clear my residence of any legal attachments to this case. 

I have since written CKS ( attached ) and spoken to CKS and XXXX XXXX firm, the lawyer representing them, over the phone ( attached ) requesting my address be removed from the court records to stop the harassing mail and potental service. I was told " We will forward this information to the attorney ''. This was recorded by video. 

As of today XXXX XXXX XXXX  my address is still associated with the open court case in XXXX XXXX court ( XXXX ) that I am not involved in, and a summons is still issued to 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 2024-08-12 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on XXXX. 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 60 days 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 XXXX XXXX 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!

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The loan on our primary home was transferred from XXXXXXXX XXXX XXXXXXXX to Freedom Mortgage effective XXXX XXXX. We continued to receive bills from XXXXXXXX XXXX  XXXX in the same amount as our previous mortgage payment through XXXX ( {$3000.00} ). No letter or notice was received concerning a escrow account adjustment. 

We received a series of paper notifications from both lenders about the transfer and went out of town for the entire month of XXXX. We set up our existing monthly payment ( {$3000.00} ) to Freedom Mortgage online via wire as the last notice from them before departure had reflected that our monthly balance due would not be changing. 

Upon return, we received a past due letter from Freedom Mortgage in the amount of {$230.00}. Upon calling, I was informed that this was a past due amount due to an escrow account resolution from XXXXXXXX XXXX XXXXXXXX. I promptly paid the {$230.00} and requested that the late notification be removed from XXXX as my credit score was impacted nearly XXXX points. In fact, I was in such a panic- I paid this amount to them twice via bank account transfer as I've never had a late payment on anything in my life and have always had an excellent credit score. ( Payment evidence attached ). 

Freedom Mortgage directed me to XXXX to file a dispute. They claimed that it was XXXXXXXX XXXX XXXXXXXX who reported the late payment but XXXX informed me that it was Freedom Mortgage who reported it. And not only was this not productive but the claim " resolution '' now indicates a late payment of the ENTIRE new payment amount - not the {$230.00} shortfall due to escrow recalculation. So it appears on my credit as if I had a full late mortgage payment when in fact it was only the new difference in the escrow account of which I had not been duly informed. IN FACT, I received the letter TODAY ( XX/XX/year> ) dated XXXX XXXX XXXX from XXXX XXXX  XXXX concerning the escrow account adjustment. 

The purported late fee, loan transfer and our resolution of the escrow shortage all occurred within a 60 day period. While I realize our travel was untimely, this was clearly an oversight by XXXX XXXX XXXXXXXX prior to transferring the loan and we feel as if we are being unfairly penalized for the transfer for which we did not initiate.

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