vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Payment history/late payments is inaccurate and contradict my records and that of the other bureaus. report also contradicts Equifax own reporting from my credit report pull and what they actually carry on their website. 
I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 
account number XXXX account name XXXX XXXX  On Equifax website you listed that I have 7 missed payments on this account and credit karma reports same from pulling data from your website and the same website of yours still has this same account with 5missed payments, but i requested my annual credit report you reported that I have 1 missed payment and same with the other 2 credit bureaus which is the correct information I have as well on file/ record.

I have upload screenshots of my annual credit pull for this account from the 3 bureaus using 1 missed payment and screenshots from your website showing 7 missed payments and also screenshot from credit karma 's data pulled from your website showing 7missed payments as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I took out a personal loan at the end of XXXX with Bethpage Federal Credit Union. Everything was fine in the beginning until covid hit. I started having problems making payments and requested assistance. The bank gave me a short forbearance and extended the loan to help, but I continued to struggle to keep the loan current all the time, but did make payments as I was able. Starting in XXXX I started to struggle financially as my wife became sick and as time went on required multiple XXXX  and was unable to work much over the year. In XXXX of XXXX I myself had to have XXXX due to a XXXX XXXX and was also out of work for 3 months. I contacted the bank about my financial hardship over the following months seeking some assistance with the loan. I spoke with a few different people over the phone with the bank about any options but was not offered much help and often got conflicting info each time I called. I was asking to extend the loan, lower payments or interest rate to help or any other options that would help along with making a payment right away to help get the loan into a better standing to get assistance. A few days after I last spoke with someone in XX/XX/XXXX I got a message from the bank that I only had 1 month of deferment left and that it would not help and it was too far behind, even though I was willing to make some kind of a payment to help. 
After that, I heard nothing further and then in XXXX I got a letter saying the loan was charged off, along with something about a profit/loss status, which I was unsure what that meant.After that letter I never heard anything again or got any request for payments, until XXXX I got served with a summons from a lawyer for the bank that I'm being sued for the remaining amount. This was a total surprise as I asked for help and made an effort to try to work something out with them before it got to this point and they offered little to no help even after I had paid more than half of the loan. I feel as though its unfair and predatory the way they handled this, I had a similar situation with them a few years ago and after it came out that they had multiple errors on a foreclosure they filed against me that got dissmissed, and said they would be retraining employees and making changes to avoid these types of problems in the future with unfair collection practices and employees not knowing about help that was available and never offered, I feel like nothing changed and its happening all over again.

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 2024-10-24 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: TX

Complaint narrative:
Uploaded documents onto XXXX and now Mohelo is servicing XXXX  loans as of XX/XX/year>. All my documents/application did not transfer to Mohelo and now have to reset the clock with Mohelo. Different customer reps give me different timelines. 
THEre is no rhyme of reason as to where my documents from XXXX  went to and now no estimated timeline now that the clock has reset with Mohelo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of 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 2024-10-24 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: DE

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that this isn't just a small mistake. The errors on my credit report are causing real problems for me, and the impact has been overwhelming. With everything going on, it's been a huge source of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST GUARANTY MORTGAGE CORP
State: LA

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to First Guaranty Bank regarding the inaccurate and misleading reporting of my account. Despite making regular automatic payments, which are debited monthly from my account, these payments are not being reflected in my payment history. The account inaccurately shows no payment activity, which is blatantly false. 

To date, I have not received any response from First Guaranty Bank regarding my dispute. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to respond within the legally mandated timeframe demonstrates negligence, and I believe the information they are reporting was not validated with 100 % accuracy. This ongoing inaccuracy is damaging my credit report and unfairly affecting my creditworthiness.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report, and I noticed a few things wrong with the bankruptcy listed. First the account listed below should show to be included in the bankruptcy listing but they are reporting inaccurate information. 

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 XXXXXXXX Included in Bankruptcy When the bankruptcy was filed, the above accounts were part of that bankruptcy filing. Please fix, correct, and update my credit report. If the furnisher comes back and verify that the item should be outside of the bankruptcy, let me know so that I contact that furnisher and hold them accountable for reporting inaccurate information to you and the other three bureau. I know that you company will do the right thing and fixed the inaccurate account listed above.

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 2024-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have called before asking for an extension or any help I can get just in case due to late payment there said there is none. Then they tell me I have to make this payment by the end of the day and I say I'll try my best and they say ok but if I don't do it I will lose my car and she can just note what I said so something goes wrong and I get the money the next day but I remember she said I had to pay it by the end of the day so I figure why am I going to make a payment ane still lose my car. I'm homeless and don't have anywhere to live and live in my car when u make me feel this way I get stressed to the very extreme I start being rude to people who owe me money and it puts a toll on my business and personal relationships cause they fear monger me into feeling like I lose everything if I didn't make payment so I decided to buy food the next day then a few days later they send a text saying that if I dot make a payment crucial steps will be taken in my account so I call and they act like we're just stressing me out about payments days before. If I lose my car I lose my home and they way they go about getting their money is wrong and this happened all week of XXXX XXXX it wasn't till the XXXX I gave up hope because she said that it would be repossessed by the company. Don't get me wrong I'm glad I still have a chance to make payment but what if I don't make it in time again I go thru the cycle again. I'm homeless I have enough stress on my mind and have suffered thru so much I have self harm thoughts and if she was just honest about when I could make payment I wouldn't think so bad and what if XXXX XXXX XXXX I do do it? It's not right how they fear minger me to thinking all hope is lost and then they say everything is fine just make it today or else.. man I could have made it days ago if u didn't make me. Feel this bad and it's just a repeating cycle and it wouldn't be if she was just honest about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a debt collection letter from XXXX XXXX XXXX, which stated that I owed for outside referral copay services rendered on XX/XX/XXXX ( listed in the letter as Date of Service ). However, any billing for services provided by XXXX ( including any outpatient services ) are ONLY billed to me via my XXXX online account. This debt collection letter states its from XXXX XXXX XXXX but I called the number ( XXXX ) listed in the letter and its from USCB America collection services, and I XXXX  both address and number to confirm the same. When I called this debt collector on XX/XX/XXXX and again on XX/XX/XXXX I was told again that I owed money and I informed them that its an illegitimate claim because I called XXXX billing directly at XXXX on XX/XX/XXXX and XXXX informed me that I dont owe anything. I called XXXX billing again on XX/XX/XXXX and the rep informed me that any outside services are submitted only to them, they process the outside providers claim and approve or deny, and will then send me a bill via my online account ( since I am enrolled in paperless ). Further, my XXXX billing representative stated that I owe nothing and shouldnt be billed by USCB ( representing themselves as XXXX XXXX XXXX ) for outside provider XXXX  fees since the claim was already submitted to XXXX and approved FOR a different amount, and there was nothing owed by me for any outside referral copay. I did my due diligence and spoke with both XXXX and the outpatient facility where I had services performed on XX/XX/XXXX and I can confirm that I do NOT owe anything to XXXX or anyone related to my outpatient procedure on XX/XX/XXXX. As someone who knows compliance laws and regulations fully, especially FCRA and FDCPA, I want USCB America collection services to confirm via letter that I dont owe them anything, where and from who they got information that I owe XXXX XXXX when I dont ), and evidence that I have not and will not be reported to any of the credit reporting agencies given that I owed nothing as this is a false claim. My credit history and score are paramount to me, and I take this matter seriously. If need be I will take this a step further and make this a legal matter with USCB ( representing themselves as XXXX XXXX XXXX ) for ilegal collection practices and falsely reporting me to collection agencies for amounts that are not due or owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had several inquiries on my credit report that I have no knowledge of. 
I got the alerts via email and followed up with the credit bureau and was advised to fill out a complaint. 
XXXX XXXX of the inquiries are back to back 2 on XX/XX/XXXX Capital One and XXXX And XXXX additional inquiry on XX/XX/XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My personal information is incorrect on my credit report I have inquiries that are XXXX XXXX XXXX. Some balances in debt are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

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 explanation
Consumer complaint received 2024-10-24 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: PR

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry from : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was made without my permission, and I believe it is either a mistake or fraudulent. 

According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this inquiry and remove it from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your assistance.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX EXPERIAN 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. 


XXXX EXPERIAN 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 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