vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: AZ

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment Reporting by XXXX XXXXXXXX To Whom It May Concern, I am writing to file a formal complaint againsXXXX XXXX XXXXXXXX regarding inaccurate information on my credit report. Specifically, XXXX XXXX has incorrectly reported my car payment as late. Despite my repeated attempts to have this error corrected, XXXX XXXX has refused to update my records to accurately reflect that all my payments have been made on time. 
Late payment reported for Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX - XXXX XXXX- XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Actual Payment Status : - All payments made on time Consumer Laws Applicable Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies on my credit report. The relevant sections include : - XXXX*15 U.S.C. 1681i ( a ) : ** Requires credit reporting agencies to reinvestigate disputes. - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Obligates furnishers of information ( such as XXXX XXXX ) to provide accurate information. - **15 U.S.C. 1681s-2 ( b ) : ** Mandates furnishers to investigate and correct inaccurate information when notified by a credit reporting agency. 
Previous Legal Actions Against XXXX XXXXXXXX It has come to my attention that there have been similar legal actions taken against XXXX XXXXXXXX for the same issue. Notably : - **Case : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX ** : This lawsuit addressed similar issues of incorrect reporting and failure to correct inaccuracies.

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 2024-08-02 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-02 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: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I require the official amortization schedule for my loan from XX/XX/year> to the full term of the loan.

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 2024-08-02 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:
I observed some incorrect accounts appearing on my credit report this morning, and I'm unsure of the reason. When I reviewed my credit report as usual, I found unexpected discrepancies. I attempted to refresh my browser, thinking it might be a glitch, but the inaccuracies remained. Given this problem, I request that the documents I've submitted be thoroughly reviewed to prevent future concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: LAGO Funding Corp.
State: FL

Complaint narrative:
We feel that XXXX & XXXX, XXXX, the Attorney acting on behalf of Lago Funding Corporation, a debt collector, is dealing with unfair practices for a Judgement claim of {$25000.00} on a vehicle sold at an auction from Summit Financial on XX/XX/XXXX for {$6400.00}. 
They were able to get a Judgement filed and approved with the XXXX XXXX Courts which has now resulted in us filing a XXXX  XXXX Bankruptcy. 

The President of Lago Funding is XXXX XXXX XXXX XXXX ( XXXX ext. XXXX ). That is the phone number I found on XXXX. I called that number and the automated answering service said " XXXX XXXX XXXX XXXX. '' XXXX XXXX XXXX XXXX is the former Registered Agent for Lago Funding Corporation. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX | Florida is listed a the current Registered Agent for Lago Funding Corporation. I spoke with XXXX XXXX XXXX on XX/XX/XXXX around XXXX XXXX  and she mentioned that the case was closed. 

Although the Judgement has been filed, we don't feel like we were given the opportunity to receive fair practices. The Bankruptcy has caused financial hardship and myself not being able to afford to pay for a personal medical issue. 

We agreed to the filing only because we felt threatened with wage garnishment and the legal tactics taken. We felt we had no other choice. I still would like to submit a complaint. 

Our complaint is : XXXX XXXX sent letters on XX/XX/XXXX, and XX/XX/XXXX. We never received those letters. There was no further action or communication until a Judgement was filed on XX/XX/XXXX with the XXXX XXXX Courts. Why did XXXX  years go by with no communication at all from XXXX XXXX XXXX XXXX is my question but then XXXX  years later, they felt the necessary need to file a Judgement on XX/XX/XXXX? 
Also, it seems like they have the discretion to settle for any amount but have declined the amounts we asked them to settle for. 

Thank you for your time, XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Dave Operating, LLC
State: PA

Complaint narrative:
I am currently in a hardship, I am XXXX and issues receiving the correct amount for workers comp. I receive $ XXXXbi-weekly and have needed legal representation ( XXXX XXXX ) to handle my legal matters. 

I had used DAVE to take an advancement in the amount of {$420.00} and forced to pay an extra {$21.00} to get the same amount out until I can pay it off. 

The amount available has slowly decreased and now I can only get {$120.00}. They stated it may change every 24 hours. I explained I am XXXX and this is creating a hardship. 

They do not care and say they have terms. I also know you can not discriminate against someone who is XXXX. I am considered XXXX and awaiting the judges decision to find out the level of XXXX I have to determine the amount of money I am entitled to. I can not afford to pay my rent that is due today because they will not me take out the {$420.00} I have been taking out and paying early. I have paid early, I pay the ridiculous {$21.00} to get my money and now I'm put into a hardship because of their discrimination against people with XXXX. 

Depending on how far this goes, I may take it further. Many predatory cash apps have started since covid happened and they prey on people in hard times. 

I plan on helping others in this situation. 

Thank you for your time and consideration Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX02.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
Name Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dismanting Addresses Inconect XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Unauthorized Inquiry XXXX  Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized Inquiry CC XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized XXXX XXXX Date of Inquiry : XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed all. 
XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX XXXX  ACCOUNT XXXX THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX XXXX XXXXXXXX

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 2024-08-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had a long standing bank account with XXXX up until XX/XX/year> -- where CITIZENS bought all XXXX branches and customers. I had a XXXX XXXX that got transferred to Citizens. In XX/XX/year> I paid off this account completely and requested it be closed. The CITIZENS ACCOUNT is XXXX. Upon paying off and closing the account- CITIZENS reported this as a 30 day late payment to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NJ

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NJ

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any 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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-02 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2024-08-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I reviewed my credit report in XX/XX/XXXX and noticed there was an unfamiliar item listed. I submitted a dispute with the credit bureaus and reached out to the collection company by mail and requested the information be removed due to identity theft. I have never lived in XXXX nor do I have any affiliation in the area. I submitted an identity theft report, police report, proof of residency, utility bills dating back to before the alleged lease took place and a notarized letter from my current property owner ( whom of which I have resided since XXXX ) proving this debt is not mine and I am a victim. I received a response on XX/XX/XXXX, saying the collection would not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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