vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: GA

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 2024-11-21 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:
On XX/XX/year>, I filed a formal dispute with Experian requesting the removal of an unauthorized collection account associated with XXXX XXXX XXXX ( account numbers : XXXX, XXXX ) from my credit report. Under the law ( FCRA, Fair Credit Reporting Act ), Experian is required to investigate and resolve disputes in a reasonable manner. 

On XX/XX/year>, I received a response from Experian in which they removed an inquiry instead of the disputed collection account. This shows that Experian did not properly review my case or meet the requirements of a reasonable investigation. As a result, the unauthorized collection account continues to affect my credit report.

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 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have been contacting this company since XX/XX/year> in regard to improper billing practices. My timely payments were being held, sometimes for several weeks, before being posted one day after the late fee could be assessed. Then AXOS reported XXXX of these payments as 30 day lates, despite all payments being made timely, but processed within a day or two after the XXXX day grace period. None of these payments posted 30 days late and reporting to the credit bureaus three separate 30 day late payments which do not exist damaged my credit score and cost me tens of thousands of dollars in interest on mortgages, credit cards and lines of credit. 

As a direct result of this company 's predatory billing practices, I have suffered a significant credit hit and financial damages for higher interest rates on a mortgage that will cost me tens of thousands of dollars over the life of my loan. 

I have included the original contact in XXXX asking for resolution and it shows they closed my case without any resolution and the 30 day lates are still showing on my credit, despite no payments even being late, let alone 30 days late, even nearly 3 years later. 

I contacted multiple times and have been ignored. I have asked repeatedly to have my case escalated and nothing has been resolved. I have also repored to CFPB in XXXX  and they claimed to have resolved the issue, but nothing has been resolved. My account number is XXXX. 

CFPB reference number is XXXX from the original case in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
I am submitting this complaint regarding inaccurate and unauthorized collections being reported on my credit report by TransUnion. I have already requested that the debt collector associated with this account stop all communication with me, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). This section mandates that once a cease-and-desist request is made, debt collectors must halt all communication with the consumer. Despite this, the debt collector continues to report this account to the credit bureau, which is a clear violation of the law. This constitutes communication under the FDCPA, and the ongoing reporting of this account is negatively affecting my credit score and financial well-being. Furthermore, this situation also breaches the Fair Credit Reporting Act ( FCRA ), as the information being reported is both inaccurate and continues to be included on my credit report even after Ive disputed it.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report includes several accounts that I didnt consent to. I request their prompt removal due to potential 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 2024-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
It says I stopped being charged on XX/XX/XXXX, which is a lie last XXXX statements in XX/XX/XXXX past due amount {$590.00} minimum payment due {$1000.00} XXXX statement states past due amount, XXXX minimum payment due {$1200.00} now they stated that all I owed was XX/XX/XXXX new balance {$1800.00} past due amount {$260.00} minimum payment due {$420.00} XXXX New balance {$1900.00} XX/XX/XXXX new balance {$2100.00} past due amount {$590.00} minimum payment due {$1000.00} XXXX statement new balance {$2200.00} Past due amount, {$710.00} minimum payment due {$1200.00} thats over a {$300.00} lie and just XXXX month the past due amount is lower when that mean that I made a payment or theyre manipulating documents to scare people I would like to go to court and settle this to prove to judge that this is unethical to push on somebody that they know is going through a hard time in life due to XXXX XXXXXXXX and not having income or employment as I explained to them several times, but they still keep calling even after its been turned into the collections 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 non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Remove address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Add address XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-21 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: NC

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 non-monetary relief
Consumer complaint received 2024-11-21 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 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 explanation
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-20 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, a credit report was requested by XXXX XXXX Experian . On XX/XX/year>, a credit report was requested by XXXX XXXX XXXX XXXX. Neither of these requests were made by me. I received emails from Experian on XX/XX/year>. I then put a freeze on my credit reports at Experian, XXXX, and XXXX. I also put fraud alerts at all three places.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I made a purchase of {$4400.00} using my Capital One debit card through XXXX XXXX. The merchant I paid misrepresented themselves as a legitimate vendor and failed to provide the promised goods/services. I believe this transaction constitutes fraud. 

I reported the issue to Capital One on XX/XX/year> but despite my request to provide all relevant documentation, including police reports, the false contract and other evidence, CapitalOne wouldn't allow me to provide these records. Next, Capital One denied my dispute on XX/XX/year> citing " authorization and/or participation in the transaction activity. '' I disagree with this decision as the merchant engaged in deceptive practices. The transaction was authorized based on false pretenses, and I did not receive the promised goods/services. This is a clear case of fraud, and I believe Capital One has not adequately addressed the dispute. 

I have attempted to resolve this issue directly with Capital One and provided all the evidence I could gather. I am now requesting assistance to ensure that this matter is reviewed fairly and resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: WI

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-20 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:
On XX/XX/year>, I filed a formal dispute with Experian requesting the removal of an unauthorized collection account associated with XXXX XXXX XXXX ( account numbers : XXXX, XXXX ) from my credit report. Under the law ( FCRA, Fair Credit Reporting Act ), Experian is required to investigate and resolve disputes in a reasonable manner. 

On XX/XX/year>, I received a response from Experian in which they removed an inquiry instead of the disputed collection account. This shows that Experian did not properly review my case or meet the requirements of a reasonable investigation. As a result, the unauthorized collection account continues to affect my credit report.

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 2024-11-20 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: FL

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 15 USC 1681. I told Equifax to reinvestigate these accounts XXXX XXXX  acct number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
At XXXX on XX/XX/XXXX I recieved a phone call from the number XXXX this number has called multiple times and I have answered in the past and asked they do not call again. This time they called and said their name was XXXX and asked specifically for my parents. My XXXX  is in the hospital so I asked who they were. When I asked who they were they begin to say nevermind and hang up. They said just tell them we looking for them. I said Im not telling them anything because you could be a scammer since you will not identify yourself. They hung up in my face. I called back. Another woman answered. I explained XXXX hung up in my face. She put me on hold and put XXXX on the phone. I told her she was rude and she hung up again. I called back another woman answered and all three began to yell at me. I told them I would report them and they hung up again. Im worried my elderly parents have been scammed or currently being scammed by loan sharks. Please help and assist if possible. I ran the number through been verified and it said its a company called Covington Credit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation