vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.

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 2024-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-12 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX calls me several times every single day. All time of the day, and they call from so many different numbers. A man named XXXX leaves me about 3 voicemails a day. I get a few emails from them as well. When I go to the website and attempt to log in it is a blank screen and does not tell me what I owe or from who and there is no option for me to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-09-12 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing in response to your recent communication dated XX/XX/year> concerning the debt referenced above. I acknowledge that you have attempted to verify this debt. However, I still require further clarification and specific validation for the following reasons : 1. Detailed Accounting : I request a complete breakdown of how the amount you claim I owe was calculated. This includes the original principal amount, interest rates, fees, and any payments or credits applied to the account. 2. Proof of Ownership : Please provide proof that you or your client owns the debt. This should include a copy of the original contract or agreement that bears my signature, demonstrating that I am indeed responsible for this debt. 3. Chain of Title : If the debt has been sold or transferred, I request documentation showing the chain of title, from the original creditor to your current ownership of the debt. 4. Statute of Limitations : Please provide the date of the last payment made on this account to confirm that the debt is within the statute of limitations in my state. I remind you that under the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to provide proper validation of the debt. Until you do so, I will consider this matter unresolved, and I request that you cease all collection activities, including reporting to credit bureaus, until this validation is completed. Please respond to my request within 30 days from the date of this letter. Failure to do so will result in me considering this debt invalid, and I will proceed accordingly. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, 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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Subject : Formal Complaint and Cease and Desist Request Dear CFPB, I am writing to file a formal complaint against American Express, regarding an account that was improperly placed in collections and is now threatening private payments and not placed on my credit. 
I made multiple attempts to make payments on this account, but I was not informed that it would be sent to collections. The lack of communication and transparency regarding this matter has caused undue stress and financial concern. 
I request that AmericanExpress and its agents immediately cease and desist all collection activities related to this account, including any actions that threaten liens on my personal property. I also ask for a full investigation into their handling of my account and the communication failures that led to this situation. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-12 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: WA

Complaint narrative:
This account was paid XXXX, XX/XX/XXXX. According to the collection agency, they will erase the information off my credit report. I submitted all documentation to Equifax XX/XX/XXXX showing that the account was paid. On XX/XX/XXXX per customer service at XXXX XXXX, they submitted notice to all three credit reporting agencies. All other agencies have removed the information from my file except for Equifax. Equifax recently updated my credit report on XX/XX/XXXX but this is still showing as an outstanding balance and it is still showing on my credit report. Its derogatory information ; its impacting my credit worthiness ; its impacting how much I can get for a home loan ; and, its impacting my credit score & credit standing! 

They have also sent credit report information with all my personal data where someone could steal my identity to an XXXX that I stay at when traveling. The owner called me so I told them to return it back to Equifax. 

When calling over the phone, their verification process is the absolute worst! They have you scan your license and it fails. They ask certain questions and you answer them properly but they say its wrong info so they refused to speak to you. 

I have sent massive documentation including whats attached to them several times and they are not properly updating my information which is hurting my credit. I am trying to apply for a home loan and can not apply for a home loan until they get this off my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I found that my credit report has inquires that I never apply and I dont recognize them.

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 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive recently check my consumer report and notice several unauthorized inquires.

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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: IL

Complaint narrative:
The credit report from XXXX XXXX and Discover bank shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score Discover : 30 days late payment in XX/XX/XXXX XXXX XXXX 30 days late payment in XX/XX/XXXX. 

I am filing this complaint to get the payment missing reversed so that my credit score be improved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I had taken out private student loans through XXXX XXXX  XXXX National Collegiate Trust to attend The XXXX XXXX in XXXX and again in XXXX. After attending this XXXX I had trouble finding work. They would not work with me to lower payments. My options were to pay the full amount or to not pay at all. At one point I attempted to have my co-signer released but was denied. I was sued for non payment for the full amount of the loan. Proceedings were going on during covid. They did nothing to work with me even during this time although it was acceptable for their lawyers to take weeks on end getting back to my lawyers in attempts of negotiating a settlement. My lawyer tried to tell them at the time of the XXXX XXXX fraud but they pressed forward regardless of covid or anything else going on. I had another loan that I settled on later on out of fear of being sued again. The phone calls and harassment were relentless. This past May all XXXX XXXX loans between XXXX have been forgiven due to fraud. Even private loans are now being released. I would like to see a refund on the amount that I had paid as well. My biggest hope is that anyone that reads this avoids NCT at all costs. Even if you were already victimized by your school they will make sure you are victimized again. I doubt I will ever see a XXXX  returned from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I started making weekly payments in XXXX when the monthly mortgage payment was {$2700.00}. Select Portfolio Servicing did not allocate any of the weekly payments towards the escrow account. No escrow adjustment was made in XXXX. I continued to make weekly payments through XX/XX/XXXX. All payments made from XXXX through present were applied to principal and interest only. PDF is attached with payment history. 
I initiated a dispute with Select Portfolio Servicing on XX/XX/XXXX to reallocate the weekly payments from XXXX through XX/XX/XXXX to the escrow account instead of the principal and interest. Letter of denial dated XX/XX/XXXX was issued. 
Instead of Select Portfolio Servicing reallocating the weekly payments from XXXX through XX/XX/XXXX, Select Portfolio Servicing has made the escrow adjustment increase by {$1900.00} for the next 12 months, making the monthly mortgage payment change from {$2700.00} to {$4900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I requested the proof of the charge off, 1099c form, from the creditor Chrysler capital. The credit bureau can not report taxable income. 
account is the Chryler capital # XXXX account has no proof showing that the account is suppose to be in charge off status. I never missed any payments and if so please send me the 1099 c form and remove this collected debt from my credit report. 
Law 15 US c1681e

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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 credito
r 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 th
is 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 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 2024-09-12 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief