vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
I'm providing the letter that Equifax keeps sending me and I want to escalate a complaint regarding Equifaxs repeated mishandling of my credit report and related documentation. Despite my continuous compliance with requests for verification documentsincluding my Social Security card, driver 's license, lease agreement, and utility billI have faced persistent barriers and clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have provided all requested documents multiple times, yet Equifax continues to claim issues with my identification verification. Notably, during a recent call, a representative confirmed they could read my address on my ID despite the notes on my account stating otherwise. When I asked for clarification regarding this discrepancy, the representative abruptly hung up on me. This behavior is unacceptable, unprofessional, and demonstrates a lack of regard for consumer rights. 

In addition to this, Equifax has retained inquiries on my credit report in violation of 15 U.S.C. 1681c-2 ( Section 605B ), which mandates that all information related to fraudulent transactions or accounts resulting from identity theft must be blocked within four business days upon receiving proper documentation. Despite my compliance and your possession of multiple copies of the necessary documents, Equifax has failed to take corrective action. 

Equifaxs actions, including repeated document requests, lack of resolution, and improper handling of my credit report, also appear to violate FCRA provisions requiring reasonable procedures for accuracy and prompt investigation : 15 U.S.C. 1681g My right to access my credit file has been obstructed by Equifaxs unnecessary, repeated requests for documents already provided. 
15 U.S.C. 1681i Equifax has failed to conduct a proper reinvestigation or make corrections based on the evidence and documentation I have submitted.

15 U.S.C. 1681c-2 Inquiries and information resulting from identity theft have not been removed, despite your obligation to do so within the statutory time frame. 
Furthermore, Equifaxs failure to comply with XXXX XXXX standards, which outline uniform and accurate reporting practices, exacerbates these violations. 

I demand the following corrective actions immediately : Remove all inquiries and information that violate 15 U.S.C. 1681c-2 ( Section 605B ). 
Provide a clear and specific explanation of why my documents, submitted multiple times, have not been accepted or processed correctly. 
Ensure proper compliance with FCRA and XXXX XXXX standards in handling my credit file. 
Provide a written response detailing the corrective actions taken. 
Please consider this letter as formal notice under FCRA, and be advised that I have documented and recorded all interactions with Equifax representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage company is Freedom Mortage, XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States On roughly XX/XX/2024, I paid for my mortgage online at my mortgage company 's proprietary website, myfreedom.freedommortgage.com. 

Several days later, I noticed I had been double charged for my payment. Two payments for the exact same amount were withdrawn from my checking account on the same day. 

The double charge was devastating for my family. After our Freedom Mortgage withdrew the double payment, we could not afford to pay for groceries. I called the mortgage company and my bank. The mortgage company started a four-day reversal process. 

On about XX/XX/XXXX, Freedom Mortgage returned both payments to my checking account for my XXXX mortgage amount. I called Freedom Mortgage to confirm this, and they told me that I had to make a payment for XXXX because they had returned both payments. I went online to make my payment again On XX/XX/XXXX, I found out I had been double-charged for the second time this month. I called Freedom Mortgage to resolve this issue again, and they have no mitigation for the recurring issue, they told me that I simply paid twice for my mortgage.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Back in XX/XX/XXXX I called ally financial to dispute late payments on my credit report. I was advised by the rep he sent it over to the department that works the disputes. Today is XX/XX/XXXX and i have yet to hear anything. So I call. First lady says oh yeah I see they sent you an email.XX/XX/XXXX wanting exact reasons why u were late paying for those dates. I said I never got an email nor a letter.then call was dropped. 
I call back 2nd lady said well it's not my fault they closed the case since u never responded. I said I'm sorry but is that how you talk to paying customers? Secondly I never got an email. She said ok well I'm sorry. I said let me speak to your supervisor. She hung up. 
I call back. A 3rd rep now. She is trying to tell me to contact the credit bureus I'm like look let me just have a supervisor please. Supervisor gets on the phone she says so why were u late and for what months. So i said " My first XXXX had me off work from XXXX XXXX. 
Second XXXX had me off work XXXX-XXXX  XXXX And my last XXXX had me off work XXXX XXXX '' The supervisor, XXXX, proceeded with `` it shouldn't take anyone that long to pay their bills '' I'm so upset with customer service with ally. None of them care about any individual that pays them. I asked XXXX to have her manager call me. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company is reporting a debt that is inaccurate and I have no knowledge of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-18 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: VA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-18 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: IN

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 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 2024-11-18 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: IN

Complaint narrative:
My account with XXXX EXPERIAN 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. 


XXXX EXPERIAN 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 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. 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. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity 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 non-monetary relief
Consumer complaint received 2024-11-18 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: AZ

Complaint narrative:
I am writing to formally address an urgent matter regarding several unauthorized hard inquiries appearing on my credit report. I have reviewed my credit report and noticed inquiries from the following creditors, to whom I have never granted permission to access my credit file :

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 2024-11-18 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:
My accounts 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 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 to be removed/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.

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!

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are accounts on my credit report I believe are fraudulent ; please remove them promptly.

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 2024-11-18 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX Opened XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 2024-11-18 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: MA

Complaint narrative:
These accounts & inquiries are incorrect since i do not recognize them, please investigate them and delete them : Accounts : XXXX XXXX Account number : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$230.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX : {$21.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$580.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$370.00} Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$1600.00} Date opened : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX TransUnion XXXX Account number : XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Transunion COLLECTION ( Original Creditor : XXXX ) Account number : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX COLLECTION ( Original Creditor : Collection ) Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXX Inquiries : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-11-18 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: MA

Complaint narrative:
These accounts & inquiries are incorrect since i do not recognize them, please investigate them and delete them : Accounts : XXXX XXXX Account number : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. 
Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXX XXXX  XXXX Account number : XXXX Balance : {$230.00} Date opened : XX/XX/XXXX XXXX  XXXX Account number : XXXX XXXX : {$21.00} Date opened : XX/XX/XXXX XXXX  XXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$580.00} Date opened : XX/XX/XXXX XXXX  XXXX Account number : XXXX Balance : {$370.00} Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$1600.00} Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX Equifax Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Equifax Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account number : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX ) Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief