vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company keeps reporting 120/149 days past due, this account was paid in XX/XX/2020 I had covid 19 and they STILL REFUSED TO HELP AND ITS PAID, The are fraudulent because i am NOT 120 days past DUE they are messing up my credit and I DONT OWE THEM ANYTHING get this late status changed please

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 2024-03-17 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX, XXXX, XXXX Last 4 socialXXXX RE : OPPOTUN XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/year> XX/XX/year> XX/XX/year> and accordance with the fair credit act loan company OPORTN XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX You have inaccuracies on my credit reports I was never 120-149 days past due thats WRONG and milacious information you are trying to mess up my credit this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I called experian, after I had already sent several disputes, and advised them to remove all of the incorrect names and addresses that appear on my credit bureau because they dont belong to me. The representative was very rude and argumentative. I explained to her that if this information is not removed, I will be filing a complaint with the CFPB so here we go. 

According to 15 usc 1681 congressional findings and statement of purpose, ( a ) accuracy and fairness of credit reporting the congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. ( b ) It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Not only is reporting inaccurate information on my credit report unfair, it is also a violation of the Privacy Act of 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 2024-03-17 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:
XXXX, XXXX, TRANSUNION Last 4 social:XXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/20 XX/XX/20 XX/XX/20 and accordance with the fair credit act loan company XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX You have inaccuracies on my credit reports I was never 120-149 days past due thats WRONG and milacious information you are trying to mess up my credit this is fraud

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 2024-03-17 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: FL

Complaint narrative:
XXXX, Equifax, XXXX Last 4 sociaXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/20 XX/XX/20 XX/XX/20 and accordance with the fair credit act loan company XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX You have inaccuracies on my credit reports I was never 120-149 days past due thats WRONG and milacious information you are trying to mess up my credit this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CIG FINANCIAL LLC
State: GA

Complaint narrative:
Car Loan Closed on my credit report that has nothing to do with me. 
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, 1977, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Had XXXX title loans with this company ( XXXX ) The first XXXX had no problems paying them back, But the second I think they used a strategy to try to get more money out of me, they might be doing it to more people and they got to be stop. This second loan was at first for {$2600.00} was making my payments with no problem, but later I received a called from one of their operators to offer me an extra {$500.00} making a total of {$3100.00}. I was never explained from them that taking it was going to be under a different terms. I started struggling making my payments, because they increased the monthly payments. Until after making a good amount of payments I called to find out my balance.Spoked to an operator and, Find out that the balance was increasing instead of reducing. From a monthly payment of {$240.00} only {$16.00} where going to the debt. I requested a payment history, which they mailed it to me. I had made XXXX payments of {$240.00} and find out that I had paid the {$3100.00} and a good amount of interest. I tried many time to tell them to rewiew the terms in front of a judge, which they always evaded, I guess because they know is not fair. Find out later that from the {$3100.00} they wanted to get out of me around {$12000.00} in interest. They were harassing me over the phone also stalking me to tried to tow the car. When I find out I called to try to get an address to take them the car and prevent any extra charges, but couldn't get nothing. There were several arguments with their operators about the permission of monitoring the calls I started dinieng the permission to them after they wouldn't let me monitor the call. They would just hang up on me. It has passed many years about this situation and on collections they reported the account closed, I know this through an app that I use to monitor my credit score. But I don't understand why they have been increasing the debt. Up to this date is around {$16000.00}. I have paid more of what they loaned me. Their terms are not fair, they evaded me in many attempts to get in front of a judge to settle it. After many years they have reported the account closed. But they're still increasing the amount. I think just to hurt my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Jcmb- card services Date- XXXX Acct- I have not record of this account or any information in my possession. ( starts with XXXX on credit reporting ) Creditor Contact- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 non-monetary relief
Consumer complaint received 2024-03-17 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: U.S. BANCORP
State: FL

Complaint narrative:
Reporting is past 7 years and should be removed. I have incurred higher interest rate charges due to the refusal to remove off my credit profile.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
The name of the account is Fortiva. They continue to report false information to all 3 credit agencies. This account was closed and paid in full in XXXX This account was never late nor does my credit report reflect late payments. Yet Fortiva has continued to illegally report false information. They had a system wide purge and have XXXX record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My chase account had a balance of about {$1500.00}, I got an email and a notification from the app saying my account is closed and my funds will be mailed within 10 days, I went to the bank, I was also told the same thing. 

After waiting for 10 days, I received no check whatsoever l, I called Chase customer support, and like they always do, they put me through hoops, saying that theres nothing they can do and I have to wait. Now its been 6 months, I have received my check, nor have I been giving an explanation or reason for my account closure or inability for them to mail the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX amount past due Asked for removal from credit profile as it is too old Not removed

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The name of the account is XXXX. They continue to report false information to all XXXX credit agencies. This account was closed and paid in full in XXXX  This account was never late nor does my credit report reflect late payments. Yet XXXX has continued to illegally report false information. They had a system wide purge and have XXXX record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Improper reporting and too old XXXX {$210000.00} XXXX past due XXXX Balance due XXXX Past due Home was sold and all dues paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account is XXXXXXXX XXXX  A account closed and paid in full between XXXX. This account was never late yet Transunion and XXXX continues to report false information. XXXX did the correct investigation took the steps and did right. Now on XXXX my account has been made whole. I provided and mailed Transunion and XXXX this information many times over the last several years yet nothing has changed. Nor does my credit report reflect late payments just doesnt match my profile. Its alarming this has taken years to handle.

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