vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
Please correct and update my personal information

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 2024-06-24 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX  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 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.

XXXX XXXX XXXX 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! 

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 2024-06-24 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX  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 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. 


XXXX XXXX XXXX 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! 

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 2024-06-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I requested Equifax to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Equifax of the Fraud, Equifax responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the Credit Entry which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} Charge off + {$19000.00} Balance which is a total of {$51000.00}. I never owed that much money! Not even close!!! 

I did find out that XXXX and XXXX XXXX are 2 of Equifax 's biggest customers and have learned through similar law suits that Equifax " Favors '' it's largest, highest paying clients in dispute matters. Equifax has allowed this Fraud to continue for over 6 months now. CFPB, you will see that this is a Fraudulent act, committed by Equifax to make sure it keeps it's highest paying customers happy. After Equifax allows criminals to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Equifax continues to allow criminal acts of Fraud after we have provided AMPLE amounts of proof to Equifax. The next question I have will show the Fraud by Equifax and what I would like the CFPB and Equifax to address... 

*****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX shows I only owed {$32000.00} ( Attached ), *****Why is XXXX  collecting {$51000.00}??? ********* They have a Chargeoff of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! 

CFPB needs to get involved and penalize Equifax for allowing false entries for it's favorite customers. This is my 7th dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported 100 % Correctly. After 7 months of Fraud I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Equifax Account, or face prosecution for damages to my credit history. XXXX has already removed from my report and reported the fraud. Equifax is committing fraud to please its paying customers REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? EQUIFAX- OBEY THE LAW! 

REMOVE IT, NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I logged into my online banking account with Bank of America on XX/XX/year>, I suddenly noticed that there has been an extra credit account listed under my name. The account is also showing past due and closed. Upon further investigation with Bank of America customer service representative, the account was open and closed within 1 month 7 years ago. Also, Bank of America was not able to provide any information as to the charges, and they are treating it as fraud charges. 

Personally, I don't believe that was a simple case of fraudulent charges.

1. I don't have any record of this account open and closed during the period they described to me.

2. They don't have any record of the charges.

3. How is this account all of a sudden showing up under my profile 7 years after it was closed.

4. The account was in delinquent, but no such information was reported to any credit agency. 

I think the government should scrutinized Bank of America on their computer record system. This incident makes me lose a lot of trust in Bank of America in how they reconcile account information and data. I feel like Bank of America found an uncollected debt and decide to just randomly sticking it their customer and hoping for a favorable outcome.

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 2024-06-24 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:
Reporting information on my credit file without my consent

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 2024-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
this company XXXX keeps XXXX this in my credit report from different collection agencies. I have had a government phone for XXXX years. I've NEVER used XXXX  in XXXX life. You have made them take this off my credit report XXXX times before and they wait a little while and use a different company to harass me and mark up my credit. Please make them stop doing this.

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 2024-06-24 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: TX

Complaint narrative:
THIS IS A XXXX XXXXXXXX XXXX FROM XXXX XXXX XXXX AND I HAVE SPOKEN WITH THE FINICAIL DEPARTMENT TO CONFIRM THIS LOAN WAS A LOAN I DID NOT HAVE TO PAY BACK AS I AM A XXXXXXXX XXXX XXXX XXXX YET THIS REPORT 'US DEPT EDUCATION ' IS ON MY REPORT FOR YEARS AND WILL NO GO AWAY THUS I AM GETTING DENIED FROM LENDERS RESULTING TO POOR CREIDT SCORE. 
FINIACIAL DEPERTMENT COULD NOT EXPLAIN AS TO WHY THIS IS ON MY REPORT REFLECTING WRONG INFORMATION AS XXXX XXXX XXXX XXXX XXXX I APPROVED FOR IS A XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT AND STILL NOT ABLE TO PAY OFF THIS LOAN AMOUNT AS THIS IS TOO LARGE AND I HAVE ALSO MENTIONED THIS TO XXXX XXXX XXXX XXXX. PLEASE, I CAN NOT MOVE FORWARD IN MY LIFE WITH THIS LOAN STILL RECURRING

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 2024-06-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-24 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine ; I am not responsible for these accounts ; I am a victim of ID theft. 
People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity

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 2024-06-24 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: MT

Complaint narrative:
I have disputed the collections account on several occasions asking the company to remove it from their database. No action ( s ) have been taken by the company to remove the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: LA

Complaint narrative:
15 USC 1681s-2 filed regarding personal information with Equifax, and Equifax has failed to appropriately respond to correcting the personal information. Equifax continues reporting a non-affiliated phone number ( s ) in the Fraud Alert section of my report. Equifax has failed to update the phone number, address, and correct spelling of my name despite submitting the appropriate documentation for identification, and proof with the FTC report. The request concerning the address, phone number, Fraud Alert phone number, and Name has been filed along with a police report, and FTC Affidavit in XX/XX/year>, with the recent request going unanswered by EQUIFAX, who continues reporting inaccuracies, errors, and fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have received a full discharge of my federal student loans for attending XXXX XXXX XXXX MN because of school misconduct through Borrower Defense. 
My private loans were held with Navient for 20 years with Navient and with NaviRefi for the past year. 
NaviRefi is owned by Navient and will not provide a School Misconduct Discharge Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
Ive been a victim of identity theft and I have a police 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 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I summitted banking information on XX/XX/XXXX & received confirmation for XXXX payments of {$14.00} thru XX/XX/XXXX beginning XX/XX/XXXX. Don't feel comfortable giving bank information 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 2024-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program The Department of Veterans Affairs informed me that its Veterans Affairs Servicing Purchase ( VASP ) program was released on May 31, 2024. 

The Veterans Affairs Servicing Purchase ( VASP ) program would allow me to refinance my home with a substantially lower interest rate and be able to stay in my home and avoid homelessness. On XX/XX/year>, I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program and Veterans UnitedXXXX XXXX XXXX informed me that the program wouldnt be available until XX/XX/year>. On XX/XX/year>, Veterans UnitedXXXX XXXX XXXX XXXX called me and said that the VASP program would not be available to request until XX/XX/year>. They seem to be purposefully stalling my request for assistance from the VA guaranteed home loan benefits by kicking the can down the road and plan to foreclose on my home loan thereby ensuring that XXXX be homeless. 

On XX/XX/year>, I rejected the loan modification offer from Veterans United Home Loans/ XXXX XXXX Loans because it increased my interest rate to 7.5 % with an increased payment to {$4100.00} per month. Also, I informed the VA loan specialist about this loan modification. In my original mortgage loan, I was paying {$3500.00} per month with an interest rate of only 5.5 %. Veterans United Home Loans / XXXX XXXX claims that theyre trying to help me; but it appears that they do not want to refinance the loan to a helpful and reasonable interest rate and monthly payment. More over, it appears Veterans United Home Loans / XXXX XXXX just wants to take my home and not provide me the beneficial opportunity to refinance at a reasonably helpful interest rate and monthly payment. And, Veterans United Home Loans/ XXXX XXXX does not want to refer me to the VAs VASP initiative so that I could get a greatly less interest rate with a lot lower monthly mortgage payment.

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 2024-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
A lien was put on my checking account without notice or my permission. My account was sold to a third party without my knowledge and before any judgment was made. I moved out of the apartments in question in XXXX of XXXX and my account was giving to Results unlimited in XXXX of XXXX. The apartment complex also had a forwarding address for me but I did not receive any court notices dates or info about a debt owed. Nobody reached out to see if we can work out a payment plan or nothing they basically just taking my money ( robbing ) me XXXX and theres nothing I can do about it. Between XXXX XXXX XXXX XXXX XXXX XXXX someone did something very wrong and possibly illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I was contacted by a man on XX/XX/XXXX, said he was from XXXX  XXXX XXXX. He said someone was wiring money {$8700.00} and I needed to complete this wire that I have never done before. He said it was the only way to catch person getting my money is to see where it went. At my local XXXX  XXXX XXXX, they showed me where my money went to a Sofi bank. But Sofi bank denied my money back. XXXX  XXXX XXXX never sent me a alert text on this wire transfer but has sent me alert on suspicious activities.

Company response to consumer: Closed with explanation