vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: CA

Complaint narrative:
I was absolutely stunned to see inaccurate accounts appear on my credit report this evening, and I have no clue how this could happen. I check my credit report regularly, but this time there were random errors that completely blindsided me. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. This issue is really troubling, and Im requesting that the documents I've provided be carefully reviewed so that I can stop worrying about this happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: DE

Complaint narrative:
RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1. Under penalty of perjury I swear this account is false and misleading XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 




I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is ILLEGAL, as each dispute and challenge must be addressed INDIVIDUALLY and on its own merits. My letters were created by software thats created for everyone.

If you dont process my letters, you are VIOLATING 15 U.S. Code 5 1681. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party, may be available. This is NOT a legal exception. 

I am the AUTHOR of any letters you receive with my name on them. Either I or my advisors wrote them with my FULL KNOWLEDGE and CONSENT. I am aware that there is no law that says you need to provide a POWER OF ATTORNEY in order to delay processing letters from a consumer. IF YOU DO NOT PROCESS MY LETTERS IN A TIMELY MANNER, I WILL consider it to be an INTENTIONAL disregard for my rights. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : XXXX XXXX XXXXXXXX XXXX : Federal Trade Commission CC : State Regulatory Agency

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 2024-09-07 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: OK

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING 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 21 days before the payment due date.

This company 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 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 2024-09-07 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MORTGAGE SOLUTIONS OF COLORADO
State: KY

Complaint narrative:
My VA loan is through Mortgage Solutions and when I closed back in 2021, everything was smooth. A couple months ago the App disappeared and I could no longer access my account. My experian credit report is showing I am paid off and account is closed. I made payments of over XXXX beginning of XXXX. XXXX from XXXX account and for some reason is shows on statement MSF charity. This month after speaking to someone supposedly from XXXX, I asked if my account would be set back up on Auto pay and they said yes. As of today my monthly payment has not came out. And last payment has not been posted. They also said they would email me a receipt for my last payment of over XXXX. I have received a statement saying I owe over XXXX. This is wrong. Not how a retired vet she be treated. I'm thinking this company is in default of contract. If I get no assistance asap I will be contacting an attorney. They will not receive another XXXX. I just lost my father and really not trying to go through this. How can I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/year>, I called to the number of the back of my debit card XXXX XXXX XXXX, to ask how secure was to pay thru XXXX to someone that I don't know, and I was advise by their employee to " go head and pay '', since I wanted the customer service to understand what I said, I asked her again ; are you sure because I don't know the person and I am nor sure if I am going to get my tickets for a game, she repeat to me " that I can file a dispute if I don't received. I did pay {$500.00} for the ticket and this person XXXX XXXX, didn't send the ticket. I called the bank and I placed the dispute the same day. now they are telling me that is not their problem, the person didn't send the ticket. I went to the bank where is my account and I spoke with the manager, he told me that they are not responsible of XXXX, because this is an application that they don't belong to them. I told that they should be responsible since is offered or listed under their application and therefore I used. I learned that they that XXXX and Citibank are two separated companies. anyway I told the manager, that they should be held responsible since I was advise by their employee, that it was safe to pay. I rescuested the manager for a copy of the conversation since they recorded, and the manager told me that they can't get a copy of the conversation that I had with their employee. I told the manager, that they should be held responsibility of their employee overseas because I did the transaction since I was convinced mostly for their employee because she gave me certain that my money was safe. she never told me that there was a chance of me losing the money, because XXXX is a separate company of Citibank. please help me to get the answer on my case because I felt alone on this matter with them. thank you, for your help

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 2024-09-07 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
These Companies pull my credit and view my credit without my consent XXXX XXXX XXXX, GM FINANCIAL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: DE

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late, 'Thanks! Please see screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: DE

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late, 'Thanks! Please see screenshot attached.

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 2024-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: MA

Complaint narrative:
I have attempted twice to repay my loan with Edfinancial in full. This is documented in the payment history on my account. On both occasions, my loan showed a {$0.00} balance after I submitted my payment, but the payment was later reversed with no explanation. 

While this has been occurring, interest has continued to accrue on my account and my payments have gotten larger. 

I have looked online and found examples of others documenting similar experiences with this company. Here is a link to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am being sued after this cased been dismissed by XXXX XXXX XXXX XXXX. Thsi debt was sold to a collection agency. Also, this is more than over 4 years ago, so this debt is at it's statue limitations. Also, the XXXX XXXX, filed fake affidavit againsted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: NC

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING 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 21 days before the payment due date.

This company 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 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 2024-09-07 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: TX

Complaint narrative:
Upon reviewing the copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 5. The following personal information is incorrect Employers : XXXX 6. The following personal information is incorrect Employers : XXXX XXXX 7. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX Account Number XXXX OPEN XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX OPEN ; XX/XX/XXXX XXXX XXXX Account Number : XXXX OPEN XXXX, XXXXXXXX XXXX XXXX Account Number:XXXX OPEN : XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX OPEN 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 2024-09-07 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Its incredibly disheartening and upsetting to see unauthorized inquiries on my credit report, especially without any clear reason. I just wanted to check my credit as I normally do, but instead, I found these errors that wont go away. Refreshing the page didnt work, and Im pleading for a thorough review of my documents so I can put this frustration behind me.

Company response to consumer: Closed with explanation