vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
When I checked my credit report this morning, I was shocked to find accounts that shouldnt be there, and I cant figure out how this happened. I always review my credit report carefully, but today, these inaccuracies appeared out of nowhere. I refreshed my browser several times, hoping it was a simple glitch, but the errors didnt go away. Im feeling lost and desperate, and Im asking for the documents Ive provided to be reviewed carefully to ensure this never happens 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 non-monetary relief
Consumer complaint received 2024-12-27 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: NJ

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


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


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-12-27 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:
[ XXXX XXXX ] [ XXXX : XX/XX/year> ] [ XXXX : XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX XXXX TX XXXX ] Subject : Dispute of Late Payments on Account - Demand for Late Payment Deletion To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for First Commerce Credit Union account number [ XXXX ]. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I request immediate investigation and verification of the accuracy and legality of the reported information.

Grounds for My Dispute : 1. 15 U.S.C. 1681 ( a ) ( 2 ) : The term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. Any reported payment history must comply strictly with the legal definitions provided by this section.

2. 15 U.S.C. 1666b : A creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each periodic statement, including the information required under 15 U.S.C. 1637 ( b ), is mailed or delivered at least 21 days before the payment due date. 
I demand proof, such as a tracking number or proof of delivery, showing that such notice was mailed or delivered to me in compliance with this statute. Additionally, provide a copy of the notice itself.

3. 15 U.S.C. 1681e ( b ) : The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information in credit reports. In the absence of evidence verifying the accuracy of this late payment report, it must be deleted immediately to comply with the law.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I used Lexington law firm services from XXXX it has been bought to my attention they were found guilty of fraudulent practices. That has resulted in a class action settlement for which I have not received my compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account number # XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX  XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX  XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF HUMAN TRAFFICKING IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I am writing to complain about the illegal policies of Mr , CooperXXXX. I am under agreement to acquire a property that has an assumable FHA loan serviced by Mr. Cooper and the seller is allowing the assumption. The problem is that Mr. Cooper will not accept an application. They accepted by certified mail a uniform residential loan application along with a purchase contract and supporting info but refused to issue a loan estimate as required and process the application for credit as required. The loan officer and their management have refused to begin processing my application until they decide to and receive information from the property seller? 
This violates the TRID regulations mandated by XXXX XXXX and the Consumer Protection Act, when they receive the XXXX pieces of ALIENS data my request becomes an application and they can not ignore it. Mr. Cooper should be approving me without regard to the seller. They do not have the right to refuse to process my application. 
In addition this violates my state of Minnesota Consumer Protection law ( 325D.44 ) regarding " false or misleading representation of fact '' that " causes a likelihood of confusion ''. Their letter clearly states that " The loan must be current at the time of the assumption '' and " the loan is not assumable according to the terms of the Note, if an unrelated 3rd party is requesting to assume the note ''. These statements are false and misleading. It is apparent that Mr. CooperXXXX does not want to do the assumptions that they are obligated to do and this needs to be addressed. They are causing damages to me as a realtor and buyer and to the overall real estate market in Minnesota by discouraging buyers and sellers from doing transactions with assumable mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-27 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
Complaint Against Smile Direct Club and Associated Debt Collector HFD To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint against XXXX XXXX XXXX and its associated debt collector regarding unethical billing practices and failure to deliver services as promised. Below are the details of my concerns : Discontinuation of Services : I paid for a service that is no longer available to me due to XXXX XXXX XXXX 's announcement that the Lifetime Smile Guarantee has been discontinued effective immediately. This significant change directly impacts the value of the service I purchased and leaves me without the promised benefits. 
Ongoing Charges Without Services Rendered : Since the announcement of Smile Direct Clubs bankruptcy, I have not received any services or products, yet my account continues to be charged. This lack of service contravenes the terms of the agreement, which clearly stipulates payment in exchange for ongoing services. 
Unresolved Concerns : Despite my attempts to resolve this matter directly with XXXX XXXX XXXX and the debt collector, my concerns have not been addressed. This continued charging of my account without providing services is both unfair and appears to constitute unethical billing practices.

Resolution Requested : To resolve this matter amicably, I request the following actions : Immediate cancellation of my account balance. 
A full refund of all payments made from XX/XX/year> to the present. 
I trust that you will investigate this matter thoroughly and ensure that XXXX XXXX XXXX and its associated debt collector are held accountable for their actions. 

Thank you for your time and attention. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: GA

Complaint narrative:
I'm the co-signer for my sons student loans, I had written to have the interest rate lowered for Loan # ending XXXX interest 13.5 % and amount of XXXX and loan # ending XXXX int, 15.75 % {$5200.00} in order to continue with the payments. 
When I called I told them that I wanted to take responsability for the loans since they were billing me I wrote them that I'm XXXX XXXX XXXX with a fixed Income. what are the options to reduce the interest rates, I received a letter back XX/XX/year> with the programs they have in place and to call XXXX. When I called the end of XX/XX/year> they told me to call told me to call XX/XX/year> I called the next day and was told that they didn't have any programs and since I had paid in XXXX that I didn't need any help and that I can continue paying. When previouly they had told me that they will reduce the interest and I can pay base on my Income. Mohela have very deceiving tactics. I have not paid this Month of XXXX because of financial hadship. How can we make Mohela honor what was stipulated on the letter, when I call they say that is being recorded so they have the their answers recorded. 

I'm not refusing the responsability but I want them to honor their word to adjust the interest rates in order to continue paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I have an acct with experian My phone number has changed. My credit card is changed. When i sign in it wants to call my old number and send a code so therefor I can not sign on my account even though i am putting in my correct user name and password the system wants to call my old number. This would not be a problem if I was able to call customer service but there is NO LIVE CUSTOMER SERVICE for experian. There is no way for me to correct this problem without speaking to someone and you can not even get transferred from the automated system If you XXXX this problem you will see its widespread chaos. I am trying to protect my identity and i cant access my information or speak to anyone to help. Thank you

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DEEP SOUTH FINANCIAL SERVICES INC.
State: LA

Complaint narrative:
This company is still reporting an opened account on my credit report and I do not have an account with this company at all. I had an account years ago that was paid in full years ago and I never opened another account with them again. After my account was paid in full, I never opened another account but they reopened an account and put it on my credit out of the blue this year. It shows a XXXX balance and opened in XXXX of XXXX, which I did not open another account after I closed the 1st and only account I had years ago. They have done nothing to resolve the problem after I have contacted them. I want to press charges and file suit very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2024-12-27 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
The allege debtor is violating my Rights by reporting a debt that has been settled with XXXX  XXXX bank and IRS. transaction has been discharged per 1099c this is a violation due to privacy act I did not give authorization to resurgent or Anyone in fact to report on my behalf to credit bureaus this is false and misleading information.

Company response to consumer: Closed with explanation