vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
I requested the original contract with my signature showing the accounts belong to XXXX XXXX. I requested this information XX/XX/2024.

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
XXXX XXXX with XXXX called my husband from # XXXX and I received a voicemail from a female from same company XXXX today XX/XX/XXXX. They stated my full name and date of birth along with last XXXX of my social and asked me to verify. I did. They then proceeded to tell me that I had an account opened with XXXX on XX/XX/XXXX and that it was in good standing for 7 years. Then the account was resolved and closed on XX/XX/XXXX. with an outstanding balance of {$2400.00}. They stated they would take partial payment of {$1400.00}. I informed them that I did not have any accounts with XXXX, nor do I owe any money. They stated that they would file a civil suit against me for outstanding charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX and Fortiva regarding a series of issues that have negatively impacted my financial standing and credit report. 

Background of the Issue : I was forced into a loan agreement with Fortiva by XXXX as part of a transaction for services/products. Despite my clear reluctance and objections, I was pressured into accepting this loan. Subsequently, I set up autopay for my Fortiva account to ensure timely payments. 

Details of the Complaint : Forced Loan Agreement : I was coerced into a loan agreement with Fortiva by XXXX under conditions that were not fully transparent or fair. I believe this practice to be unethical and potentially illegal. 

XXXX XXXX XXXX : Despite having set up autopay for my Fortiva account, a technical error on their part resulted in a missed payment. This error was entirely outside of my control. 

Incorrect XXXX XXXX XXXX : As a result of the technical error, Fortiva has reported a late payment to the credit reporting agencies. I do not have any outstanding balance with Fortiva, and this late payment is incorrect and unjustified. 

Violation of XXXX XXXX XXXX Standards : The reported late payment by Fortiva does not comply with XXXX XXXX reporting standards, which mandate accurate, complete, and verifiable information. This incorrect reporting is damaging my XXXX XXXX and overall creditworthiness. 

Actions Requested : I request a thorough investigation into the forced loan agreement initiated by XXXX and the subsequent handling of my account by Fortiva. 

I seek the immediate removal of the incorrect late payment from my credit report by Fortiva. 

I request that Fortiva be held accountable for their technical error and for reporting inaccurate information to the credit reporting agencies. 

I urge the CFPB to enforce compliance with XXXX XXXX reporting standards to ensure that no other consumers are adversely affected by similar practices. 


Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these issues and correcting the inaccuracies on my credit report. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been dealing with INCORRECTLY REPORTING student loan accounts for about a year or so ( when I first found out ) and upon submitting disputes with the reporting agencies they all claim they have done their investigation and everything checks out. But when I called the XXXX XXXX XXXX XXXX MYSELF, attempting to fix the issues with the lendor or creditor, they surely ADMITTED that the INFORMATION BEING REPORTED WAS INCORRECT. 

Reporting incorrect information is a violation of the US Code. On top of the fact that I was never given any disclosures about the reporting, whether I wanted info reported, and how to go about not having my non-public info reported. Another violation. 

The US Code also states any inaccurate accounts must be corrected or deleted, and to this day they have done NEITHER of the two options. This is willful negligence and it has set me back YEARS, because their report says I OPENED a student loan in 2019, AND I DID NOT. I WAS NOT ENROLLED AT ANY SCHOOL to even need a loan in 2019, nor did I sign for any loans in 2019. The employees at these agencies are negligent and the agencies need to be audited. These people should not be working in these offices playing with peoples lives. They should know the law and adhere to it, as they generate reports that alter the trajectory of ones life. I will be seeking litigation if they refuse to do an actual investigation. Ive asked the bureaus and the DOE themselves to produce any documents or contracts of said 2019 student loan, with the amounts stated and to this day they havent sent 1. Anytime I dispute they simply send back a letter saying the accounts were verified. How were the accounts verified without these documents??

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been dealing with INCORRECTLY REPORTING student loan accounts for about a year or so ( when I first found out ) and upon submitting disputes with the reporting agencies they all claim they have done their investigation and everything checks out. But when I called the XXXX XXXX XXXX XXXX MYSELF, attempting to fix the issues with the lendor or creditor, they surely ADMITTED that the INFORMATION BEING REPORTED WAS INCORRECT. 

Reporting incorrect information is a violation of the US Code. On top of the fact that I was never given any disclosures about the reporting, whether I wanted info reported, and how to go about not having my non-public info reported. Another violation. 

The US Code also states any inaccurate accounts must be corrected or deleted, and to this day they have done NEITHER of the two options. This is willful negligence and it has set me back YEARS, because their report says I OPENED a student loan in 2019, AND I DID NOT. I WAS NOT ENROLLED AT ANY SCHOOL to even need a loan in 2019, nor did I sign for any loans in 2019. The employees at these agencies are negligent and the agencies need to be audited. These people should not be working in these offices playing with peoples lives. They should know the law and adhere to it, as they generate reports that alter the trajectory of ones life. I will be seeking litigation if they refuse to do an actual investigation. Ive asked the bureaus and the DOE themselves to produce any documents or contracts of said 2019 student loan, with the amounts stated and to this day they havent sent 1. Anytime I dispute they simply send back a letter saying the accounts were verified. How were the accounts verified without these documents??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

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 Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX  Incorrect DOB : - XXXX Employer - XXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 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 TOTHISMATTER!!

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 2024-07-10 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-07-10 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-07-10 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: CA

Complaint narrative:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration

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 2024-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I made an early payment for month of XXXX on my mortgage account in XXXX and then online banking was showing next payment due date is XX/XX/XXXX. But still they debited my account on XX/XX/XXXX and my external checking account balance went into negative because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/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 2024-07-10 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: NC

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 XXXX XXXX XXXX. 

Account XXXX : XXXX Account XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 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 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Prior to the following noted date, I had received multiple emails containing exactly the same information. On XX/XX/year>, I used a link embedded in that email, sent to me directly from the Zwicker & Associates, PC. It was stated, in the body of the email, this link address would redirect me to their website XXXX XXXX and allow access to alternative repayment options. However, access to this alleged XXXX XXXX, via their website, was blocked by my malware protection application, which is installed on my computer system. Zwicker & Associates, PC had employed the use a type of phishing method or process to acquire my personal and private financial information, without my knowledge or permission. This was a very bold attempt to infect my computer with malware in order to possibly obtain my bank account numbers, credit card details, login credentials and any other very sensitive data. My antimalware software installed on my system, and in my browser, prevented me from being Zwicker & Associates, PC next victim of this very serious cybercrime attempt. 

Zwicker & Associates, PC clearly violated the provision in the Fair Debt Collection Practices Act, section 807, False or misleading representations ; violation example number XXXX, the use of any false representation or deceptive means to collect or attempt to collect any debtor to obtain information concerning a consumer. They misled me by representing the link to their Payment Portal as safe and virus free. Then, attempted to deceive me, by offering a means of accessing alternative repayment options, knowing that link would download malware onto my computer hard-drive, and subsequently steal all of my personal and financial information for their client, XXXXXXXX XXXX XXXX XXXX. Zwicker & Associates, PC appear to possess the characteristics and furtiveness of the worst thieves in the XXXX century, cyber thieves. In addition, Zwicker & Associates, PC stated, in documentation, their client is XXXX XXXX XXXXXXXX, and they are not the Plaintiff in any action. Therefore, the only logical assertion : XXXX XXXX XXXX is aware of Zwicker & Associates, PCs cybercrime practices and were in collusion to steal my most personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: AL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 in 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: CA

Complaint narrative:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TX

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 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 months that are reported late 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 XXXX  days before the payment due date. 


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 XXXX  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