vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: 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.

XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report 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
Consumer complaint received 2024-06-17 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: OK

Complaint narrative:
These records were obtained from XXXX and reported without my explicit consent, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and other related laws protecting consumers rights regarding the use of personal information. Furthermore, the courts of Oklahoma clearly state that they do not report bankruptcy information to credit reporting agencies. 

Relevant Laws FCRA Section 604 ( a ) ( 2 ) : States that a consumer reporting agency may only furnish a consumer report if the consumer has given written instructions to the agency to do so. I have not provided any such consent for this bankruptcy information to be included.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute the accuracy of any information on their credit report. Upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation within 30 days.

FCRA Section 611 ( a ) ( 5 ) ( A ) : Mandates that if the investigation finds the information to be inaccurate or unverifiable, it must be promptly deleted or corrected.

FCRA Section 623 ( a ) ( 1 ) ( B ) : Requires furnishers to provide accurate information and correct any inaccuracies once notified.

FCRA Section 607 ( b ) : Obligates credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

FDCPA Section 809 ( b ) : Entitles consumers to request debt validation. The collection agency must provide proof that the debt is valid and that they have the right to collect it. Failure to provide this proof requires the removal of the collection account from the credit report.

TILA Section 131 : Mandates clear and accurate disclosure of credit terms. Any failure to comply with TILA disclosures could invalidate the debt.

Immediate Actions Required Given these legal obligations, I demand that you : 1. Provide definitive proof that I committed the actions as reported, including : Complete documentation proving the validity of the debt.

Verification procedures used during your investigation.

Written confirmation from the original creditor substantiating their claims.

2. Remove the inaccurate and unauthorized accounts and bankruptcy records from my credit report immediately if you can not provide the requested proof.

Failure to comply with this request within the FCRA-mandated 30-day period will result in immediate legal action. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Consider this your final notice. If these inaccuracies are not corrected and the accounts are not removed, I will take further action to protect my rights.

I expect a prompt and thorough response. Provide the requested proof or delete the inaccurate accounts and bankruptcy records immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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:
Child support is reporting to my credit report unconstitutionally. I never gave child support my social security number nor did I enroll in a program or contract with them. I would like this item removed immediately

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 2024-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
We have had an ongoing issue with Mohela and the XXXX loan forgiveness. My wife and I had loans that were combined together under a spousal consolidation. My loan portion was forgiven, but we did not reveive forgiveness for my wife 's portion. After months of trying to get an answer from Mohela about my portion, we received a call on XX/XX/year> stating that they now understood the problem with the remaining loan balance. They gave me case # XXXX, said the account was now being tracked, we would be receiving a forbearance, and that the loans would be forgiven after we went through the process. One portion of the remaining balance was forgiven, but there is still a balance of XXXX. The forbearance has now expired and once again Mohela states that the loans are due to be paid this month. We are requesting to be put back on the forbearance and to have the remaining balance forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been trying to get Wells Fargo to send me money that has been credited to my closed credit card account for almost 5 months now with no success. I continue to get different stories on the status of my money and feel like Im getting the run around. Heres a chronology of this issue and my attempts to get Wells Fargo to send me my money : XX/XX/XXXX I closed a Wells Fargo Credit Card account number XXXX XXXX XXXX XXXX. 
XX/XX/XXXX I got a credit for {$84.00} for some items I returned. 
XX/XX/XXXX I called Wells Fargo to have a check sent for the credit. 

I never received the check. 

XX/XX/XXXX I received a letter from Wells Fargo asking me to deposit a check dated XX/XX/XXXX that they claim was sent. 
XX/XX/XXXX I called asking for a new check to be sent out and was told it should take 7-10 business days. 

I never received the check. 

XX/XX/XXXX I called and was told Wells Fargo would have to look into this. That they would have to put a stop payment on the check and would be sending me an affidavit within 7 to 10 business days. 

No affidavit was sent. 

XX/XX/XXXX Talked to XXXX who transferred me to XXXX who said it actually takes 7-14 business days. 

No affidavit was sent. 

XX/XX/XXXX Talked to XXXX XXXX XXXX XXXX XXXX ) who told me there was not way for me to talk to a XXXX. 

XX/XX/XXXX I went into a Wells Fargo XXXX in XXXX XXXX who had me work with XXXX XXXX. XXXX said the second check actually was never sent and the first check had a stop payment put on it. She issued a second check and said I should receive it within 7-14 Business days. 

I havent received the check. 


I'm attaching XXXX document. First is a copy of my credit card statement showing the credit of {$84.00}. The second is a copy of my credit card statement showing {$84.00} was transferred leaving a {$0.00} balance ( not sure how {$84.00} was transferred since I never received nor deposited a check ). The third is a copy of the letter from Wells Fargo asking me to deposit the check they supposedly sent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: NY

Complaint narrative:
MY PERSONAL INFORMATION WAS BREACHED AND REPORTED, THROUGH AN PREVIOUS EMPLOYER AND XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-06-17 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: AP

Complaint narrative:
Hello, I am XXXX XXXXXXXX XXXX and have XXXXXXXX XXXXXXXX XXXX  address. I have made over XXXX disputes this year with Equifax and requested that they correct my address to below. Each dispute, they acknowledged the problem but never corrected it. 

I have mailed them a copy of my personal documents and they have no excuse to not correct it. 

I need my address corrected as below : Old and Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX New and Correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will list below the Equifax dispute confirmation numbers received just from this year. Please note I have XXXX more disputes made in the last year of which Equifax simply decided to ignore. 

Equifax XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each phone call to Equifax takes about an hour and They had me waste more than XXXX hours on this simple request so far and this is unacceptable by any standards. 

Thank you for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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 found inquiries i dont recognize on my report XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-18 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 XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in XX/XX/year> to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a car from the XXXX XXXX XXXX XXXX in the summer of 2018. The debt stared reporting in XXXX of 2018. The finance company is Credit Acceptance. The problem began when i fist purchased the car. I was told that my trade in was being taken. I left the car that i traded in at the dealership only to find out later that i had been deceived by the sales person and the finance person. The car i traded in was never paid off. Two weeks later i got a call from the lender that i had the loan with telling me i was late on my payment. I called the dealership and found out that my old car was towed as if i just left it there. I ended up with two car notes. The dealership was notified as soon as i got a call from my lender about the car that i thought was traded. I also notified my new lender about what happened. Neither the dealership nor my new lender took any action to rectify what happened. Now i have multiple late payments on my credit report and i also was burdened with two car notes for two years. I want to purchase a home now but my credit is wrecked.

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 2024-06-18 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: PA

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

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

I demand the late payment reported to be removed.

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 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! 

Delete 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 2024-06-18 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: PA

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

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

I demand the late payment reported to be removed.

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 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! 

Delete 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
Consumer complaint received 2024-06-18 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: NC

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-18 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-18 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-18 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was added to a Sams club credit card as an authorized user. They then ran a hard inquiry on my credit without any proper information. I did not give them my Social Security Card or any personal information. Nor was I given an option to get a hard inquiry on my credit. After speaking with a representative of the bank that distributes Sam credit card they were just as confused on the hard inquiry on my credit.

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 2024-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portnoff Law Associates, Ltd.
State: PA

Complaint narrative:
I received mail on XX/XX/year> saying " If within ( 10 ) days of the date of this letter ( XX/XX/year> ), you do not : ( i ) pay the above balance ( {$410.00} ) in full or ( ii ) notify PLA ( Portnoff Law Associates , LTD. ) or have your bankruptcy attorney notify PLA of your open bankruptcy case, legal proceedings will be instituted and, pursuant to an ordinance of XXXX XXXX XXXX, additional costs of collection, including reasonable attorney fees, will be assessed and added to the amount due pursuant to the fee schedule set forth on the reverse side of this letter. You can also avoid the imposition of attorney fees by entering into a payment plan with ten ( 10 ) days of the date of this letter. '' There was no notice of the right to dispute any charges.

Company response to consumer: Closed with explanation