vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00}

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 2024-11-15 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: TN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES 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 XXXXXX/XX/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 2024-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On my XX/XX/year> statement, my account was accurate and showed that I owed XXXX. This included only having XXXX loans. My XX/XX/year> statement now shows I owe XXXX and have XXXX outstanding loans. One of the loans I paid and full and MOHELA sent me this confirmation of it being paid in full. Additionally, loans XXXX and XXXX 's principal increased by thousands of dollars. I have not missed any payment. I have attached the XXXX and XXXX statement as well as the payment fulfillment confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have disputed the account of LVNV FOUNDING MANY TIME on XXXX and XXXX to provide me the original contract signed as requested no answer please remove this account from my credit report immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute to address inaccuracies on my credit report. I am not working with any credit repair company ; my goal is simply to correct incorrect information. Below are the accounts I want investigated for violations under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX  ( Account Number : XXXX ) This account has been inactive for approximately XXXX years but is still on my report. As per the FCRA, outdated accounts like this should be removed. Please ensure its immediate removal. 

XXXX XXXX ( Account Number : XXXX  ) This account is still inaccurately listed on my report despite being inactive and no longer relevant to me. Its continued presence violates the FCRAs requirement for accuracy. I request its removal immediately. 

XXXX XXXX  ( Account XXXX : XXXX ) This account is inaccurately labeled as a loan, but the arrangement aligns with a credit sale, not a lending agreement. Reporting misleading information is a violation of the FCRA. Please update or remove this item within the FCRAs required timeframe. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 EQUIFAX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: HI

Complaint narrative:
I made a wire transfer of {$210000.00} on XX/XX/year>. But the bank is holding my funds in review since then. 

I called them on XXXX and provided all the information they need. They said they would get back to me by XXXX. But they didn't call me back. 

I also called them on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. But they keep saying the review is underway. 

At this point it's over 10 days and I'm losing money every day because they're holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
When I answer it is a recorded # telling me to press XXXX to be connected to someone. It is then directed to a voice mailbox. I have called them and left messages with the bankruptcy case # and the phone # of the attorney. They have disregarded that and continue to call me. Each phone call I block the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-15 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: OK

Complaint narrative:
I do not believe the report that Jefferson Capital Systems LLC has put on my credit report is valid. It is reported as an open account. I do not have any debt with Jefferson Capital Systems LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit 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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-15 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: NJ

Complaint narrative:
This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX ) Account 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 2024-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX I am submitting this complaint against Credit Acceptance Corporation for violations of the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws in connection with my retail installment contract for a XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. 

Details of the Violations : Failure to Accurately Disclose the APR and Finance Charges : The contract lists an APR of 20.99 %, but it lacks a clear explanation of how this APR was calculated, violating 15 U.S.C. 1638 ( a ).

Failure to Itemize the Amount Financed : Additional fees such as messenger fees, document fees, and GAP insurance were included in the amount financed but not itemized, in violation of 15 U.S.C. 1638 ( a ) ( 2 ).

Unlawful Prepayment Penalty : A {$10.00} minimum finance charge for early payoff violates 15 U.S.C. 1666d, which prohibits penalties for prepayment under certain conditions.

Misrepresentation of Optional Add-Ons : Extended warranty and GAP insurance charges were not clearly disclosed as optional, in violation of 15 U.S.C. 1632 ( a ) and the FTC Act ( 15 U.S.C. 45 ).

Unfair Arbitration Clause : The arbitration clause is overly restrictive, limiting my ability to pursue legal remedies, in violation of 15 U.S.C. 1666j. 
Desired Resolution : I request that the CFPB investigate Credit Acceptance Corporation for these violations and mandate the following corrective actions : Rescind the retail installment contract. 
Remove the account from all credit reports. 
Discharge the outstanding balance and release the vehicle title. 
Ensure compliance with federal consumer protection laws in future contracts.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/year> WellsFargo erroneously closed a XXXX XXXX XXXX account due to mis-information on their customer agent ( s ) to inform that by setting a payment arrangement would also close the account.

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 2024-11-15 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: ME

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 2024-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accscient, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I went to the XXXX XXXX and I paid {$75.00} bill for copay with my credit card. On XX/XX/XXXX I got a refund from the urgent care for the same transaction I paid on XXXX. However, on XX/XX/XXXX I got a bill from the XXXX XXXX for the same amount. I disregard the bill because I already paid for that. I recently got a phone call from collections, I explained them I already paid the bill and the even issued a refund, I sent proof documents from my bank and I called again on XX/XX/XXXX and the lady of the phone told me the merchant had an error on their system and that's why I got a refund. However, the amount still owe. I'm not agree with them sending me to collections if I paid the bill when I had to... It's a violation from the company to sent me to collections because they had an error of their system.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-15 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: CO

Complaint narrative:
I sent dispute letters to XXXX, XXXX, and Experian to dispute inaccurate items. 

I did not receive any response from them that indicated that they verified the items as accurate, nor did I receive any information about the methods they used to verify those items as accurate. 

I received an email from Experian and XXXX stating they were not in fact going to look into the disputed items because they doubted the validity of the letters I sent. I sent them follow up letters explaining that they must, in fact investigate the disputed items. 

I even had a phone call with Experian to tell them to investigate, that got me nowhere. They insisited that I just dispute it over the phone, but I told them that I am aware of the law and do not wish to do so, they must honor my requests I sent in via letter.

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 2024-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX SS XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX CT XXXX XXXX TN XXXX XXXX FORT XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PEMBROKE XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX LIKE WOULD A FREEZE OF ALL MY CREDIT FILES ASAP.

Company response to consumer: Closed with non-monetary relief