vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
I enrolled in a credit relief program in XX/XX/XXXX. As of XX/XX/XXXX, the company had collected monthly payments in the amount of {$250.00} dollars via withdrawl from my bank account. They advised me that I had to STOP paying on my debts to increase the timeline for them to negotiate my debts. As of XXXX of XXXX, I was not behind on any of the debt but I knew that after a job loss I needed to find assistance. I followed their advice and collectively paid them {$1500.00} dollars. All of which was used on " program fees ''. As of XX/XX/XXXX, only {$270.00} was used to payoff any settelment with the remaining amount going to the program in fees. In XX/XX/XXXX, I was served with paperwork stating that I am being sued by my creditors, as they have not receieved parameters to work with. I was horrified that I was advised to stop paying my creditors, to fund this program every month with payments into a dedicated accounty, and still have nothing to show for it. I feel that they used misleading tactics, preyed on the vulnerable, and that they do not reduce debt and just pocket money. I am now being forced to file banruptcy, as I have not made payments since XX/XX/XXXX and the associated fees and interest make this an impossible hurdle to complete. I was also notified by the District Justices office that served me that there is no " Federal Protection '' against debt relief aside from Bankruptcy and that what was promised is actually false information. 

I withdrew from the program due to all of this information, yet they continue to draft my account despite withdrawing from the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: AZ

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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 2024-07-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 2024-07-10 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX 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 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. 

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 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 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Re : Late Fee on roundpoint Mortgage XXXX XXXX XXXX XXXX NC XXXX My regular mortgage payment is {$610.00} On the payment for XX/XX/year>, I mistakenly typed {$610.00} into my online banking payment. I did not realize this until I received the next months bill from roundpoint Mortgage. 
I was therefore {$0.00} off in that payment. The mistake was a typo since the XXXX digit is right next to the XXXX digit on my keyboard. 
Upon receipt of a letter dated XX/XX/XXXX but actually arrived the same day as my bill on XX/XX/XXXX from roundpoint, I called them on XX/XX/XXXX and was made aware of the mistake. I was also charged a {$30.00} late charge. 
I immediately sent in a {$0.00} payment to cover the discrepancy and also paid the upcoming mortgage payment for XXXX. Both of these payments were electronic payments through my bank ( XXXX XXXX ). 
I requested that the late fee be rescinded but have been told, since it was not an error on the part of roundpoint Mortgage, it would not be rescinded. 
The late fee is over XXXX the amount I was inadvertently short on the payment, which I believe is exorbitant. 
My credit rating is Excellent and I have not missed a mortgage payment. 
Attached are copies of the bill and letter from roundpoint Mortgage. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
The car I had before was stolen, I told the auto creditor to talk with the insurance and I have a gap insurance the taken care of the payment owned on the car. I dont know they resolved with insurance company and, they sued me for {$5000.00}. 


Im try to resolve the matter to negotiate the price where I can able to pay but the debt collector not allowing me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been contesting an entry on my PERSONAL credit about a BUSINESS loan. XXXX has reassured Experian that I have given a personal guarantee of this loan, and I have not! I have been frustrated for months now, trying to SEE the documents upon which they state that I guaranteed the loan. I FINALLY have the document, and it does not prove ANYTHING at all. My name is TYPED on the bottom page of a document. For all I know, they typed my name there yesterday! That proves EXACTLY NOTHING!!! I WANT TO SEE PROOF THAT I GUARANTEED THIS, OR ELSE HAVE IT REMOVED FROM MY PERSONAL CREDIT. They can report it on the business credit only, that is fine. This was a XXXX XXXX, and it was NOT personally guaranteed!

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX BANK XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX '' date opened XX/XX/XXXX 2018

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I went to XXXX XXXX for a promotional treatment. After treatment, they were not letting me pay for the service that I had and were forcing me to sign up for additional services I declined it but they still kept pushing me and pressuring me to the core. I said let me ask my XXXX they were not letting me call him saying he would not let you sign up for it. They said if I don't like the service I can ask to cancel it I just have to fill out a form and they will do the refund. With service, they said they were giving me complimentary products some creams, and a XXXX massager for free. Since they didn't have a neck massager they said when I would come back for treatment they would give me then. I never gave them my Driver 's license and they signed me up for Care credit service when they gave me the receipt, the receipt was made for the products ( free products ) and not for the services. When I asked why for products and not for the services, they said they could not give bills for services because the credit card company would ask for a brief description of the service ( some excuse ). I even told them but I see you wrote products are not refundable they said it's for people who only buy products. They even charged {$1000.00} for the neck machine I never got. They made me sign a simple form for a Care credit charge and I left. The next day I went to do the return because I realized I was forced to sign up. The lady over there is asking for my driver 's license I wondered why you want my license now and why not when you signed me up for the services. She said it's our policy. She said please fill out this form and we will let you know about your refund. After a few days when I pushed them for return, the lady sent me a notarized receipt written " Non Refundable '' with my driver 's license on it. I was shocked to see it because when they made me sign up nothing was written I didn't even give them my driver 's license and no notary was done then. These people are frauds and they scammed me big time giving me false information while forcefully signing me up for their services. I called Synchrony Care Credit Card company about the fraud they said it is not a fraud because we see your signature and your driver 's license ( which I didn't give them while signing up ). They directed me to the dispute department and I opened 2 disputes which they closed without explaining. I even submitted a police complaint and an XXXX fraud complaint. Still, they didn't resolve the dispute and didn't remove the charges. I request you to please look into this as it has tremendously affected my credit score.

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 2024-07-10 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: FL

Complaint narrative:
Now Equifax is making matters worse for me they removed and valid current addess that they had n placed one they never should had removed I told them not to remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  keep that on my file do not remove besides them adding other current valid addess XXXX XXXX XXXX XXXX XXXX or XXXX harm still being caused by them XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, PA, XXXX Employer - UNITED STATES XXXX O Incorrect DOB : - 1994 Employer - OTHER Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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