vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: SC

Complaint narrative:
My account with EQUIFAX XXXX 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 p
ayment 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered errors on my credit report under 15 USC 16c-2. The inquiries noted were not approved and are affecting my credit negatively. Please eliminate all unauthorized hard inquiries. Thank you!

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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I contacted Aqua Finance to inquire what the " Final Payoff '' amount for our XXXX XXXX XXXX XXXX XXXX XXXX was. The " interest free '' period was to expire on XX/XX/XXXX. I believe that I was told that the " payoff '' amount was {$11000.00}. Therefore, on XX/XX/XXXX we paid that amount. For the next three months we received notifications that the payments of XXXX dollars were due. After that, we did not receive any billing notifications, until we received a statement in the US mail, dated XX/XX/XXXX, that we still had a balance of {$6200.00}. This was the first correspondence since XXXX of XXXX. They said that we did not fully payoff the debt, when we paid them {$11000.00}. According to them the payoff was actually {$11000.00}, and we still owed them the {$700.00} plus all of the accrued interest from day one of the " interest free '' loan. I have attached a WORD file that shows the three emails that I referred to. I am willing to forward the actual emails to you upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.

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 2024-10-18 00:00:00
Product: Mortgage — Conventional home 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I received a message from Carrington Mortgage to call them back. I returned the call and during the course of the conversation confirmed that I was not affected by Hurricane Helene, there was no damage to the property, nor was I requesting forbearance or any assistance/loan modification. On XX/XX/XXXX I received a letter from Carrington entitled, " Presidentially Declared Major Disaster ( PDMD ) Forbearance Voluntary Cancellation Notice '' wherein they allege to have " received a request from you to voluntarily cancel your ... forbearance plan. '' Furthermore that " your request has been processed and your loan is no longer in forbearance. '' As mentioned, I never requested forbearance nor ever completed any application for forbearance. On the contrary, I instructed on XX/XX/XXXX that I did not need forbearance. This letter leads me to believe that my loan was put into forbearance by Carrington leading to potential negative consequences for me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: OH

Complaint narrative:
I checked my most recent credit report and noticed several accounts that I believe were added without my authorization. These fraudulent accounts must be blocked and removed 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 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I previously submitted a complaint on XX/XX/XXXX. The complaint ID is XXXX. On XX/XX/XXXX, the Department of Education announced an extension on the deadline to recertify any IDR loans to earliest XX/XX/XXXX. My original deadline to recertify my SAVE plan with Mohela was in XX/XX/XXXX, so my deadline should have been pushed. Mohela did not follow this guidance from the Department of Education and took me off my SAVE plan. See link to the announcement here : https : //studentaid.gov/announcements-events/idr-recertification-extended On XX/XX/XXXX ( screenshot below ), after waiting for Mohela to update my account to reflect this new information and seeing they had not updated anything, I sent them a message asking when it would be updated. They responded saying they were " working on updating accounts. '' On XX/XX/XXXX, I learned that Mohela had kicked me off my IDR plan ( the SAVE plan ) and put me on " SAVE-ALT '', which is just a standard repayment plan, because they failed to update my account to reflect the new guidance. They tried to get me to recertify earlier than allowed. 

On XX/XX/XXXX, Mohela responded to my CFPB complaint by saying it needed more time to process. On XX/XX/XXXX, through a complaint I made to Federal Student Aid ( screenshot below ) Mohela stated that it had " erroneously cancelled my SAVE plan '' and was working to fix it. 

It is now XX/XX/XXXX, more than seven months since my initial CFPB complaint, and Mohela never corrected my SAVE plan. Now that a federal injunction on SAVE is ongoing, they have taken advantage of the situation and are now asking me to go under a " processing forbearance '' I must renew every 60 days. Under this forbearance, interest continues to accrue on my loans. If I were correctly under my SAVE plan as Mohela itself admitted was erroneously cancelled, I would be under what all current borrowers under SAVE are correctly under : a general, continuous forbearance that garners NO interest until a decision on SAVE is made and the injunction is over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I see that TransUnion has attempted to fix the issues I have complained about and I'm thankful. I received mail that I will have attached below from TransUnion in reference to my XXXX XXXX XXXX accounts that they're reporting. I still see my experiences with XXXX XXXX XXXX  are still showing on the report. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

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 2024-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: CA

Complaint narrative:
On XXXX, my adult, married daughter with Tri-Care insurance went to XXXX XXXX XXXX XXXX for treatment. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PH # XXXX ) The admitting nurse input her information, which was not completely correct, and incorrectly added my name as a financially responsible party. I was not there that day, nor did I sign any paperwork accepting responsibility for payment. Her insurance, XXXX, paid the entire bill. Because the admitting paperwork was wrong, my name was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX for payment of {$80.00} and {$100.00} for services given to my adult daughter on that day, XXXX. XXXX XXXX XXXX XXXX XXXX  ( XXXX ) never sent me a single bill or notice alerting me to this error. Instead, they waited nearly a year and sent my name directly to their collection company, RadiologyBill. ( XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX ). Again, this bill, which is not mine, was paid in full by my daughters insurance, XXXX. Last Friday, XX/XX/year>, I received a letter of Collection demanding payment of {$180.00} from RadiologyBill. This is the first time I heard anything about any of this. I called the collector and said, this is not my bill. They gave me my daughters name and date of service and said, there's nothing we can do, only the hospital or the XXXX XXXX XXXX XXXXXXXX XXXX XXXX can fix this error. My daughter and I went to XXXX XXXX XXXX XXXX where the treatment took place and discovered that the admitting nurse made several errors including adding my name, XXXX XXXX, to the account ( also a HIPPA violation ) for payment. We were referred to the Director/Superintendant of XXXX  Nursing at the hospital who said, Its not our problem and there was nothing we can do. I had to hound her to get the phone number to XXXX XXXX XXXX XXXX XXXX. I called the radiology billing department and they never answer their phones. I had to leave several messages and my phone number to get a call back to talk to anyone and so far they have been unwilling/incapable of fixing this problem. Their response, Its not our problem because this has already been sent to collections. I asked to speak with a supervisor and was told no and that someone would call me back. So far, I have had no success talking to anyone, including any supervisor as requested, at XXXX XXXX XXXX XXXX billing department. I just keep leaving call back messages with my phone number. Meanwhile, I have filed a dispute electronically at www.radbills.com/dispute with the collection company and have received no confirmation number, no confirmation email and no response. There seems to be no accountability and no recourse. Aside from getting an attorney involved, how can I clear my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: FL

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 2024-10-18 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: CO

Complaint narrative:
Mailed letter dated XX/XX/XXXX to Experian by XX/XX/XXXX that explains issue ( see below ). I have not received a response. Prior to sending the letter and since then, I've tried calling Experian many times and can not ever get through to a person or fix the issue ( I can no longer login to freeze/unfreeze my credit and sometimes can't do it over the phone either ; I think the problem is that I changed phone numbers ). I've also tried several times to create a new account using my current phone number ( cell number ), but each time, the Experian website says something like the website is not working and they are trying to fix the website issue ( for months ). 

The XX/XX/XXXX letter I sent to Experian essentially said ( I XXXX XXXX out my phone number and email address here since CFPB might publish this description ) : I have had trouble logging in online to my Experian account for a few years. When I do a temporary credit unfreeze ( for a few days, when I apply for a new credit card ), I have to call XXXX. I was able to do the credit freeze over the phone until the most recent try. I applied for the card anyway, hoping theyd check with one of the other two agencies ( XXXX and XXXX ). Unfortunately, I was denied credit because they used Experian. Fortunately, the next day I was able to do the temporary unfreeze via the phone. I dont know why it didnt work one day and did the next, since I answered all the questions the same way. 
I wrote down my pin, password, and user name, so I dont know why I can not log in. I spent some time trying to figure out why I cant log in online. It seems that Experian has my old landline phone number and does not have my cell phone number. I stopped having a landline around XX/XX/XXXX and have used my cell phone as my only phone since then. Id had the cell phone number since at least XXXX. When I try to log in online, it will only send me a text or call me at my old landline number ( XXXX ) ( which I dont have anymore ) ; there is no way to verify myself via email. 
It seems I need to update my phone number, but since I can not log in, I cant update my phone number. I called XXXX several times, hoping to talk to a person, but the system would not let me talk to someone. 
I do not want to put any sensitive information in the mail. Im hoping I can be given an Experian customer service phone number where I can actually speak with someone or that someone will email me to get this resolved ( at XXXX ). I would email Experian, but I could not find any email addresses on the Experian website and did not want to trust email addresses that I found that werent on the Experian website.

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 2024-10-18 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: NC

Complaint narrative:
XXXX XXXX XXXX RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with non-monetary relief