vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: MI

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted XXXX and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-08-29 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I applied to have my mortgage payments paused because I became XXXX  on XX/XX/year>. I submitted a mortgage assistance application and the company denied on XX/XX/year>. I called Shellpoint, my mortgage servicer, on XX/XX/year> when I learned of the XX/XX/year> denial and was told that I would have to be at least 60 days late before Shellpoint would reconsider my mortgage assistance application. 

I should not have to ruin my credit by being 60 or more days late before Shellpoint will pause my mortgage payments. I spent almost 10 years building up perfect credit. Although I am XXXX  and filed a claim on-time, I have not received any unemployment compensation after 5 weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-29 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXand 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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently received an email from Experian to check my account that a new address has been reported. I subsequently received a similar message from one of my credit card accounts saying that they got this updated address from Experian. 
The new address doesn't exist, first of all. 
On the Experian website, it said the address was supplied by Experian. 
When I tried to dispute the information, it said it was provided by XXXX XXXX 
Their system wouldn't fix the problem, so I called them and they are VERY difficult to reach in person. The agent and I discussed XXXX addresses on my page that are incorrect. I asked who reported these and she rattled off ALL of my creditors. This is impossible and I checked with most of them. NONE of them say they ever even had these addresses for me. 
I think Experian somehow found somewhat similar addresses, added them to my report, then reported them to my creditors and when my creditors send them updates each month, they are just sending back all of the information they are getting from Experian. 
Experian refused to do anything for me. 
The XXXX incorrect addresses have NEVER been used by me. They are not " variations '' as Experian likes to call them and I shouldn't have to contact all of my creditors and ask them to remove these addresses that they ALL say they do not have for me. This is ludicrous and a complete waste of my time. 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 explanation
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
I am not linked to these creditors, and the inquiries were not authorized by me.

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 2024-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX, a thief got into my email and directed a client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX who owed my company {$25000.00} to wire the funds to : Truist Bank account name : XXXX XXXX XXXX XXXX, the correct name of my company Account Number : XXXX Wiring routing number:XXXX Bank Name : Truist Bank Beneficiary address : XXXXXXXX XXXX XXXX XXXX  XXXX NC XXXX Bank address : XXXX XXXX XXXX XXXX XXXX NC XXXX Truist Bank accepted the money sent to XXXX XXXX XXXX XXXX , I have no accounts with the bank, and when I discovered the fraud in XX/XX/XXXX I contacted the bank, its fraud division and was told : I do not have an account with them, the money came from XXXX XXXX  and they have to report the theft. 

XXXX XXXX did report the theft to Truist and also reported it to the XXXX Police Department. Truist would not return the money to XXXX XXXX who sent the {$25000.00} to XXXX XXXX XXXX XXXX. They would not provide either XXXX or XXXX XXXX, XXXX with any information. As a result it was turned over to the my local police department in XXXX who stated that it wasn't my money stolen and the sender XXXX needed to handle the issue, They did by reporting the theft to their local police department. 

XXXX XXXX XXXXXXXX # XXXX investigated the fraud beginning XX/XX/XXXX stating : Email account hacked and check for {$25000.00} was intercepted & cashed by an unknown party. The case is currently under investigation by XXXX XXXX XXXX, he can be reached at XXXX XXXX XXXX. 

The ower of XXXX XXXX was going to put in an insurance claim, then I was told that if XXXX received the money back, that I'd be subrogated. I just learned of this last month. 

The way they got around both XXXX XXXX and me is this : they got into my email account somehow, saw that a check was to be sent to XXXX XXXXXXXX XXXX XXXX and directed XXXX to send wire the money. They then would immediately delete the email. Note : My lap top was broken and needed to be replaced. XXXX XXXX in XXXX Florida handled the purchase of the new lap top and did the data transfer. 

XXXX XXXX email was recreated with XXXX, I did not recognize the diffrerence. I wrote XXXX several times asking for the check, the response came from XXXX, I didn't pick up the difference. 

No one is going after the theif who set up an account in my company 's name, I can not get the bank to provide any information, and XXXX has turned it over to the local police who said they will not go to NC to find the culprits. I was told this XX/XX/XXXX by 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 2024-08-29 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Credit Acceptance Corporation has violated my rights under 15 U.S Code 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose.

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 2024-08-29 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: FL

Complaint narrative:
After reviewing my credit profile I noticed quite a few inquiries that are not mine.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/year> XXXX purchase XXXXXXXX XXXX  ( {$380.00} ) was an airline purchase direct on airline website which per the terms of my American Express platinum card earns XXXX points. I was only provided with XXXX points and still owed XXXX additional points. 

All amex keeps doing is tell me to contact later and that it isnt their fault even though they are the ones that are mislabeling the charge. They gave me a confirmation # XXXX they said takes 10 business days and try chatting back. 

Merchant has confirmed that on statements name shows as XXXX but it is direct airline carrier purchase from XXXX and have invoice from airline along with emails confirming this Amex isnt helping me or providing the rewards points I should be earning as part of my {$690.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
I was recently made aware that I am too a victim of XXXX and the services provided thru XXXX XXXX XXXX XXXX. ( Case : XXXX ) I am currently experiencing financial hardship as creditors are coming at me and my accounts have been drained from fees to XXXX XXXX. They are threatening to garnish my wages and my credit score has been significantly impacted. I am curious if you can help me or at least point me in the right direction to get some help. 

I reside in XXXX XXXX Ohio, and am unsure what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
Late Payment Reporting : MOHELA has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates 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 Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that MOHELA disclosed my personal loa

n information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment. FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's educa
tion records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When

a student turns 18 or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation. Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's gr ades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I thought they made a mistake and this must of been out on my credit report bye accident my lawyer sent XXXX letters and I havent hear a response have no opened accounts besides my XXXX XXXX in over 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
I was never late on my XXXX XXXX. Instead of increasing my credit limit in XXXX they opened an additional credit card. Thus why I have two account numbers from the same company XXXX and XXXX. I was NOT made aware of their error in XX/XX/year> until recently. I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the MAXIMUM POSSIBLE ACCURACY, according to XXXX XXXX Experian. I have never been late on payments for the account : XXXX XXXX XXXX. # XXXX. I demand these payments be updated to on time as they should be as I was NEVER Late. Update the account to Paid on time and never late. Or remove it from my consumer report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. DELETE LATE PAYMENT.

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 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After a thorough examination of my current credit report, I've noticed several fraudulent accounts that were apparently added without my knowledge.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute with TransUnion for my personal information meaning my name and address has XXXX different names and addresses that need to be deleted please. I only have one name and one address.

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 2024-08-29 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: MN

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief