vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have disputed the items several times with Equifax to no avail. The company stated that they reinvestigated, however I preceded to access my Equifax consumer report via the Equifax website and make copies of the information pertained and discovered no update. 

15 U.S.C 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency received a dispute, it shall reinvestigate free of charge, the current status of the disputed information or delete from the file within XXXX  days, beginning on the date the dispute was created unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Equifax indicates the account was previously investigated, it does NOT however state whether the dispute was determine to be frivolous or irrelevant. 

It has been over XXXX  days since Equifax received my dispute and I have not received any other notices that my dispute was determined he dispute was determine to be frivolous or irrelevant and yet the items still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the above accounts and personal information from my Equifax consumer file pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

Equifax has XXXX  days from the receipt of this to cure else I will be forced to immediately proceed with litigation to recover damages caused by Equifax 's willful and negligent noncompliance of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX  pulled my rental history. They said I had a collection from an old apartment I had it collection agency is called National Credit system in the amount of {$4800.00}. I checked my credit report. The apartment are trying to collect from a collection agency when they filed a claim with my renters insurance company XXXX. They have paid them in full the amount of {$4800.00} on XX/XX/23. I have all the supporting documents and XXXX XXXX will not accept them. I ran my own renter background check and it came back XXXX XXXX clean. I do not nor have I ever been evicted .This is causing my not to be able to rent an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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 exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX Just number of harassing calls all day to the point of not having time and got into trouble at my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: NC

Complaint narrative:
This company is attempting to collect a debt that is not mine. This company has reported this false information to the credit bureau and it is on my my credit report. Also this company is not authorized to collect a debt in the state in which I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CT

Complaint narrative:
My information was used to obtain inquiries without my consent.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please eliminate these inquiries. I have no knowledge of this, and the company proceeded without my consent.

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 2024-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Go Rascal Inc.
State: ME

Complaint narrative:
The broker we worked with, XXXX XXXX, repeatedly lied to me, the realtor XXXX XXXX, the title company XXXX and XXXX and the sellers and their realtor. She said on several occasions that paperwork was being sent or had been sent then hours, if not days later it was sent only for the first time. Not keeping in open communication when problems did arrise, like the moving of the closing date because paperwork had not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I initiated a credit freeze request through TransUnion. However, after filing a complaint against XXXX XXXX XXXX ( Complaint ID XXXX ) in XX/XX/XXXX, I have been unable to obtain my credit freeze status through TransUnion. Additionally, I have received adverse credit decisions through creditors indicating their decision was based in whole or in part on information obtained in a report from the consumer reporting agency ( ies ) listed below. TransUnion was indicated. The most recent adverse notification was from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX c/o XXXXXXXX XXXX, XXXX. In attempting to obtain my credit freeze status through TransUnion I am receiving the following error message : Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are XXXX XXXX XXXX  XXXX XXXX  - XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX. I have encountered consistent issues over several years with TransUnion in regard to their obligations to consumers under the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXX  days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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 non-monetary relief
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXX  days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Received a letter from " Debt Recovery Solutions , LLC. '' that I owed {$2100.00} to Texas XXXX XXXX on XXXX, XXXX, XXXX. I believed this to be a scam and did not respond to the letter. Numerous attempts to contact them by phone failed. They proceeded to place a derogatory entry on my credit report which notified me on XXXX, XXXX 2024. I have disputed the entry on XXXX based on my account history with Texas XXXX XXXX of which my account is in good standing and have never been late or behind in payments. I question how the information was obtained by DRS based on the predatory nature of fear and intimidation to negatively impact my credit. Something must be done to protect other consumers from these predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
My loans for XXXX XXXX should be fully discharged. My Borrowers Defense Application for XXXX XXXX is still showing as pending on the Federal Student Aid website since XX/XX/XXXX, when it should say that it's XXXX. XXXX XXXX loans were being fully group XXXX as XXXX of year XXXX. Why hasn't my XXXX XXXX loans been fully XXXX with it now being XXXX of year XXXX? Why hasn't Mohela been notified by the XXXX XXXX XXXX XXXX to fully discharge my loans?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CarMax, Inc.
State: GA

Complaint narrative:
Dear carmax auto finance RE : Request for Removal of Late Payment from Account : XXXX I am writing to bring to your attention an issue regarding a late payment that has been reported on my account. I recently discovered that a payment I made was not processed in a timely manner, leading to the late payment being reflected on my record. 

I would like to highlight that I have been a loyal customer of carmax auto finance for about 5 months and I have always maintained a good payment history. Unfortunately, due to unforeseen circumstances and a delay in the processing of my payment, I was unable to meet the payment deadline for the month of XXXX billing cycle. I submitted the payment and somehow the bank didnt take out the payment I have a statement where the money was in my account. And that I authorized carmax to take it out and it didnt. I called carmax everyday to fix the issue. 

I understand that late payments can have a negative impact on my credit history and overall financial profile. Therefore, I kindly request that you review my account and consider removing the late payment notation from my record. I believe this is an isolated incident and does not accurately reflect my creditworthiness. 

I genuinely value the business relationship I have with carmax auto finance, and I hope that you understand my situation and consider my request for the removal of the late payment from my account. I assure you that I am committed to maintaining a timely payment history moving forward. 

If there is any additional information or documentation required to facilitate this request, please let me know, and I will promptly provide it. I would appreciate a written confirmation once the review process is complete and the necessary changes have been made to my account. 

Thank you for your attention to this matter. I hope for a positive resolution, and I look forward to continuing our mutually beneficial relationship. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  XXXX i had XXXX credit cards with XXXX XXXX they automaticly signed me up for auto pay but to a savings account that had been closed with out me knowing. when the ach were kicked back after a year they waited until i paid XXXX card off and closed them marked my file as i am fraud and now add so much fees monthly i cant pay it off. and there reporting to the credit agentces that i am XXXX  days late when i have never been late and i always make a payment on thus closed account. they wont report it as closed and they wont give me a settlement amount or a payment plan. they also move the due dte to differnt days of the month without tell you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Someone stole my identity over XXXX  years ago and I had and still have a active fraud alert on my report. That notifies the creditors to contact me before they issue any type of services or good. This company decided to overlook my alert and allow the suspect to purchase a vehicle using my personal information. I have sent this company over a substantial amount of information showing that I was and currently a victim of identity theft. They claim to have done an investigation and concluded that the account belongs to me. The time that the account was opened I was recovering from a major XXXX XXXX. I'm currently in the process of suing them as well for violation my FCRA legal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Account balance is wrong, loan amount is wrong, loan start date is wrong, payment amount is wrong, payment history is wrong, account status is wrong, last payment made wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: KS

Complaint narrative:
Can you please take these inquiries off? I am not aware of this, and the company did it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally complain against Experian regarding inaccurate information in my credit report. Despite my efforts to resolve this matter directly with Experian, the issue remains unresolved. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld and that this incorrect information is removed from my credit report. 

Details of the inaccurate information are as follows : 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 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 explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account balance is wrong, loan amount is wrong, loan start date is wrong, payment amount is wrong, payment history is wrong, account status is wrong, last payment made 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 non-monetary relief
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
Account balance is wrong, loan amount is wrong, loan start date is wrong, payment amount is wrong, payment history is wrong, account status is wrong, last payment made wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account balance is wrong, loan amount is wrong, loan start date is wrong, payment amount is wrong, payment history is wrong, account status is wrong, last payment made 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