vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: PA

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


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Early Warning Services, LLC
State: GA

Complaint narrative:
EWS Your response dated XX/XX/year>, demonstrates that Early Warning Services ( EWS ) has not complied with FCRA requirements for verification and reinsertion, specifically in relation to 15 USC 1681i ( a ) ( 5 ) ( B ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), and 15 USC 1681n. 

On XX/XX/year>, I initially disputed multiple accounts with EWS due to identity theft, explicitly requesting that these items be deleted from my report. I also requested a detailed account of verification procedures, including the names of man or woman who conducted any verifications with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, along with all supporting documentation and all interviews, dates and time. However, your response has failed to satisfy these requirements in the following critical ways : 1. Failure to Provide Required Verification Documentation Your response admits that EWS does not possess or have access to the documentation supporting the alleged accuracy of the disputed accounts. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), the FCRA mandates that a consumer reporting agency must provide consumers with any documentation relied upon in determining the accuracy of disputed items, if requested. Since EWS lacks these records, it is legally obligated to delete these unverifiable items from my report.

2. Improper Reinsertion of Blocked Information EWS previously blocked these disputed items following my identity theft claim, yet later reinserted the information without providing the required notice or certification verifying accuracy, as required by 15 USC 1681i ( a ) ( 5 ) ( B ). This action constitutes a clear violation of FCRA, which stipulates that reinserted information must be verified and accompanied by specific notice within five business days. EWS has not met these requirements, making the reinsertion improper and grounds for immediate deletion.

3. Inadequate Investigation of Disputed Accounts Your response suggests that EWS merely forwarded my dispute to the originating financial institutions, without conducting an independent investigation as required by FCRA. This failure to verify the disputed information directly is a violation of 15 USC 1681i. An agency can not fulfill its obligations by simply relying on statements from the original furnishers of information, especially in cases where identity theft has been alleged and no verification documentation is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TN

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

EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
Williams and Fudge , Inc is unlawfully attempting to collect a debt that I do not legally owe. If Williams and Fudge , Inc has the right to collect this debt in accordance with the law of the FDCPA I am asking for validation of this account and a contract that provides proof that I was legally XXXX YEARS OR OLDER at the time of contractual agreement, as well as agreement to pay for said debt obtained. This request includes ALL contractual documents stating and proving that I am legally responsible for this account and that I agreed to and legally authorized the alleged debt that Williams and Fudge , Inc is attempting to collect. I never received a letter of validation regarding this alleged debt. It is a fact that Williams and Fudge , Inc has no legal right to attempt to collect this alleged debt from me. Please be advised that I did not turn XXXX until XX/XX/year>! Williams and Fudge , Inc is in violation of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CT

Complaint narrative:
My complaints about Mohela : 1. Mohela misled me on their hardship programs. I am unemployed. Did not expect to be unemployed for as long as I have been. I had a promising interview and thought I would only be missing one payment so I signed up for their Skip a Pay. They made it clear that I could only do Skip a Pay once. When I asked the rep, can I call back the following month should I not get the job for other hardship options, he said yes. So when the job fell through I called for my other options. At that point I was told by the rep that I was now on a " cooling off period '' with them and that I was not eligible for any type of hardship programs with them. I didn't believe her, so I called back the following week, thinking the rep was just not wanting to do her job or spend the time on the call. When I called the following week, I was told the same thing. So now, I am close to going into default. My parents did lend me money in XXXX to pay Mohela but the entire payment went to accrued interest, which leads to my next complaint. 

2. I signed up with Mohela in XX/XX/XXXX, I consolidated $ XXXX worth of student loans. As of XX/XX/XXXX, I have paid them a total of $ XXXX. As of XX/XX/XXXX my principal amount owed was {$100000.00} which means Mohela pocketed around $ XXXX of my money for themselves and only applied $ XXXX towards my principal. This is criminal, my loan does not end until XXXX, that means I still have 13 years left to pay which totals to $ XXXX, and when you add that to the XXXX I have already paid them, I will have paid them roughly around $ XXXX!!! How is this legal????? This doesn't include what I have paid in the past to XXXX XXXX, XXXX XXXX, XXXX, before I consolidated my loans. Then to add insult to injury, the second institution I went to, went belly up. I had still owed them money and was paying them not knowing they were going belly up and when I finished paying them I never got my diploma because they no longer existed. 

I have not been able to properly build a savings because of these loans and when I did the numbers when I submitted my complaint to Studentaid, I was disgusted. $ XXXX of my money was paid to Mohela and they kept $ XXXX. No wonder I felt like this was never ending, because they made it this way. It's bad enough that to get an education is ridiculously expensive ; then the government allows these institutions to rob us and then tell me I have to go back to the same people to resolve an issue they don't want to resolve. Seriously?? 

Had I not become unemployed I would have never encountered this situation. I would have continued paying my loan not realizing I was being robbed. 

Is there someone that can help me? I feel that I have paid my loans off and should not owe anything to anyone anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-11-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX, XXXX, and XXXX of XXXX I received hard inquiries from XXXX XXXX XXXX XXXX on my XXXX XXXX credit report. 

I also have a few inquiries on my Equifax credit report from XXXX companies that's unauthorized. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 

The last company that I received a hard inquiry from is XXXX XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Payroll check with 2 years of deposit history from same bank and being a member for 15 years, was held for a 10 day hold. Account wasnt negative either. Called 3 days after deposited on XXXX XXXX and was told check cleared, but they won't release the fund till the 10 days hold is up... this was the second call i made too. The first was 3 days prior when i cashed the check, which i was promised a call back that NEVER CAME. I Had obligations and this has set me back considerably. Even after telling me the check cleared and its XXXX XXXX XXXX, they wouldnt let me have access to my funds. 

UPDATE : Called me right after this review and called me a liar about them saying my check cleared yesterday even though i recorded the conversation due to XXXX XXXX XXXX XXXX XXXX Its on the recording you liars...

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 2024-11-12 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: AR

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal, Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
I was a user of Cash App and my information was breached. However, I did not receive my claim notice by email or mail and time is running out. See attachment as proof I am part of the settlement class. Be advised my email XXXX XXXX XXXX has been shut down. 

You are identified as a member of the settlement class but we do not have an email on file for your record. Please reach out to the settlement inbox, XXXX to receive your Notice ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This is for an APPLE credit card. 

I, XXXX XXXX, sent a validation of debt letter to GOLDMAN SACHS on XX/XX/XXXX and they recieved it on XX/XX/XXXX with a tracking number of XXXX certified mail. GOLDMAN SACHS failed to validate the debt with an affidavit in the 15 days I provided them. I then had sent a cease and desist letter on XX/XX/XXXX and GOLDMAN SACHS received is on XX/XX/XXXX with a tracking number of XXXX certified mail. GOLDMAN SACHS has since been mailing a bill due and has not provided a letter validate the debt with an affidavit. GOLDMAN SACHS has since reported late payments to XXXX, XXXX, AND XXXX. I sent an affidavit of truth letter on XX/XX/XXXX and they received in on XX/XX/XXXX with a tracking number of XXXX certified mail. I provided them another 10 days to validate the debt via an affidavit. XXXX XXXX has not provided a " wet-ink '' signature and GOLDMAN SACHS will not be able to validate the debt. Today is XX/XX/XXXX and I am formally sending in a complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief