vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
Subject : Urgent : Credit Report Errors and Consumer Rights Violations Complaint Dear Sir/Madam , I'm writing to dispute inaccuracies in my credit report and file a complaint against the debt collection agency and credit bureaus involved. My issues include : 1. Closed accounts reported as open.

2. Illegal attempts to collect charged-off debt.

3. Wrong late payment entries.

4. Non-compliance with FCRA reinsertion notification requirements.

5. Dismissal of my verification request as " frivolous. '' 6. Prohibited inclusion of income information. 
7. Unauthorized sharing of my personal information.

8. Lack of required 1099C or 1099A forms from XXXX XXXX XXXX XXXX. 

There are also inaccuracies regarding account dates and a failure to report correctly, violating my privacy and consumer rights as per various sections of the USC.

15 U.S. Code 1666b 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ).

Immediate correction and action are necessary to resolve these serious issues.

See attached for proof of my claims, my credit report and my letter in full detail of this claim and violations of FRCA Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I obtained a credit card through XXXX XXXX back in XXXX of 2015. Subsequently after the XXXX layoffs I had to do a credit repair in which I settled the owed amount and paid them the balance ( {$850.00} ). Well for the past year and a half I have been battling with XXXX XXXX to correct my credit file. They reported a XXXX balance to XXXX credit agencies but left the {$850.00} balance on Trans Union. After going around and around with different departments ( credit card, collections and branch offices ) It is still on my credit file as a derogatory balance of {$850.00}. I got in touch with an employee in their credit card collections dept which told me they would be sending a removal letter but the only thing that happened was they updated the description. I still had a derogatory {$850.00} balance at Trans Union which is incorrect as they did send the correct XXXX balance to XXXX and XXXX. Well I contacted them again and was able to speak with a Branch Mgr/XXXX  who actually responded to my emails/calls but unfortunately whatever was submitted from XXXX  XXXX ended up just placing the derogatory description back onto my credit file which dropped my score XXXX points. Then a month later I got an alert that XXXX  XXXX added the derogatory {$850.00} balance to XXXX. I now have XXXX bureaus reporting this and my score dropped another XXXX points for a total of XXXX points within 2 months which cancelled my mortgage negotiation contracts! I notified the Branch Manager who actually responds to my inquiries and they advised me that they are escalating this but after this long it is only right to file a complaint with the XXXX  and CFPB. I have my acct number and I monitor my credit through XXXX different vendors that can support this happened. Please help me rectify this situation.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I obtained a credit card through XXXX XXXX back in XXXX of 2015. Subsequently after the XXXX layoffs I had to do a credit repair in which I settled the owed amount and paid them the balance ( {$850.00} ). Well for the past year and a half I have been battling with XXXX XXXX to correct my credit file. They reported a XXXX balance to XXXX credit agencies but left the {$850.00} balance on XXXX XXXX. After going around and around with different departments ( credit card, collections and branch offices ) It is still on my credit file as a derogatory balance of {$850.00}. I got in touch with an employee in their credit card collections dept which told me they would be sending a removal letter but the only thing that happened was they updated the description. I still had a derogatory {$850.00} balance at XXXX XXXX which is incorrect as they did send the correct XXXX balance to XXXX and Equifax. Well I contacted them again and was able to speak with a Branch Mgr/XXXX  who actually responded to my emails/calls but unfortunately whatever was submitted from XXXX  XXXX ended up just placing the derogatory description back onto my credit file which dropped my score XXXX points. Then a month later I got an alert that XXXX  XXXX added the derogatory {$850.00} balance to Equifax. I now have XXXX bureaus reporting this and my score dropped another XXXX points for a total of XXXX points within 2 months which cancelled my mortgage negotiation contracts! I notified the Branch Manager who actually responds to my inquiries and they advised me that they are escalating this but after this long it is only right to file a complaint with the XXXX  and CFPB. I have my acct number and I monitor my credit through XXXX different vendors that can support this happened. Please help me rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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:
On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

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 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX  ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage was sold to Mr. Cooper, address is Texas. My payment is due the XXXX of the month, I have 15 days grace till it is late, I have it set up on auto pay from my bank on the XXXX after my check is deposited. I have NEVER been late. however, if they do not have my payment by the XXXX, they start calling me every day and harassing me that my mortgage is delinquent. Is this even legal? and every time they call with a delinquent notice does it ding my credit record? I want the harassment to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I need to share my frustrating experience with our XXXX Yukon from GM. After 2 years of dealing with issues in our XXXX Yukon, GM finally replaced it with a XXXX model. Unfortunately, the replacement only lasted 123 miles before breaking down, throwing multiple error codes and triggering the dreaded check engine light. It cut off in a very harsh weather, where we had to shelter in a nearby building waiting for help. 

While GM agreed to buy back the defective XXXX Yukon, the repurchasing process has stretched, to a grueling period, since XX/XX/XXXX and we are still in the waiting game. 

To add insult to injury, GM expects us to foot the bill for a rental car since we are currently without a vehicle. They promise reimbursement, but the reality is, we're left in the lurch, paying insurance for a car parked in one of their dealership lots, all while they continue to receive their scheduled payments. 

It's disheartening to see a company not only struggle with producing reliable vehicles but also fail to streamline their processes and retain loyal customers. 

I share this story as a complaint, and as a cautionary tale. I wouldn't want anyone else to endure the frustration and inconvenience we've faced. We want GM takes note and works towards improving their vehicles quality and customer experience. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: AL

Complaint narrative:
As a victim of the Equifax data breach, I am deeply concerned about the security and accuracy of my personal information. The breach compromised sensitive data, putting me at risk of identity theft and financial harm. Therefore, I urgently request the deletion of certain items from my Equifax credit report to mitigate the potential consequences of this breach. These items may include inaccuracies, fraudulent accounts, or any information that could be linked to the breach and its aftermath. It's crucial for my financial well-being and peace of mind that these issues are addressed promptly and thoroughly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: CA

Complaint narrative:
I have sent over 20 payments to Edfinancial Services. All but two small ones have bounced. My account is past due. I've call Edfinancial 3 times. They keep saying it is my bank that is the issue. I've called my bank. They said these payment requests never even came through. There are numerous people with the same complaints. I have never ever had an issue getting a payment through with my bank. Edfinancial seems to be deliberately doing this to receive accrued interest. This is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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:
I recently check my credit report and across all XXXX major bureaus, unauthorized inquires are there. They are affecting my abilities to obtain additional funding and advance economically. I have reaching to each bureau and give excuses as to why these inquires can not be removed. Here is a list of the companies and dates of the inquires that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05 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: AR

Complaint narrative:
I entered into an SBA loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXX XXXX  XXXX XXXX XXXX FL. 

In XXXX of XXXX I filed XXXX  XXXX personal bankruptcy and lost my business. 

In XXXX of XXXX the bankruptcy was discharged. 

After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXX XXXX  in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. 

XXXX of XXXX I get a call from XXXX XXXX XXXX  asking if I had taken out an SBA loan. I said no, but I had one that was included in my bankruptcy. They advised that the SBA has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted SBA and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the SBA again about it, but our contact is not responding to us. 

XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the SBA had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. 

I think the mistake is in the fact that the facilitator XXXX XXXX XXXX  and the SBA used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and discharged XXXX 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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase offered me a payment plan 12 % for {$430.00}. I didnt decline the payment plan. I tried to ask why they havent placed me into the plan. No explanation. They keep playing games and pointing fingers. This letter reflects there offer they never followed thru with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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: TN

Complaint narrative:
This complaint is in response to the recent reinvestigation results regarding notices of disputes I have been sending out over the past few months. I recently received investigation results from TRANSUNION and XXXX XXXX XXXX. These results returned as " verified as accurate '' while still reporting the inaccurate late payments reflected as " 120, 120 '' days late month after month. You can not be 120 days late 2 months in a row. There are only 30/31 days in a single month. This is the issue I have been constantly disputing. These notations are false and misleading. I have clearly informed them regarding the inaccurate information being furnished to my consumer reports and they are doing everything but correct the account information as requested because this account still shows as inaccurate. TRANSUNION and XXXX XXXX XXXX are violating the Fair Credit Reporting Act. This is damaging to my reputation and character. The FCRA permits consumers to have inaccurate accounts removed from consumer reporting agencies if the account still reports inaccurately per 15 USC 1681i ( 5 ) ( A ) ( 1 ) as applied to CRAs and 15 USC 1681s-2 ( 2 ) for furnishers of information. The creditor XXXX XXXX XXXX has been consistently notified to update and correct the inaccurate information being reported to the CRAs. The creditor has not done this. XXXX XXXX XXXX is violating 15 USC 1681s-2 ( A ) ( 1 ). I have proof via updated consumer disclosure report which will be attached as a supporting document. They have failed to comply with the FCRA. Please allow me the remedy I have so faithfully requested based on constant failure to rectify these issues. These same issues have been disputed over and over and over again to no avail. There is an obvious problem. I HAVE A RIGHT TO HAVE ACCURATE INFORMATION REPORTED ON MY CONSUMER REPORT. If the information is willfully being misreported it is false information and fraudulent and a criminal act per 18 USC 1001.

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 2024-03-05 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: SC

Complaint narrative:
XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items 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 2024-03-05 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code XXXX XXXX a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.

Company response to consumer: Closed with explanation