vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-19 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Balance : {$13000.00} XXXX Late 120 Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I worked for the XXXX. My knees were bad and I had to get XXXX benefits. 
I had a mortgage with " Central Mortgage Company '' and insurance that would cover my mortgage if I became XXXX and couldn't work. But I completely forgot about it and paid off the rest of my mortgage. The interest rates were high at the time and I could barely pay that amount, so I thought that was the best option. I couldn't work and I needed a house. So I paid off my house mortgage with " Central Mortgage Company '' at XXXX XXXX. I didn't think about that insurance because I couldn't think of that many problems at the time.

But one day, I realized that I had insurance that would cover my mortgage if I became disabled and couldn't work. So I wrote to Central Mortgage Company, but I never heard back. That was a few years ago. It is : Central Mortgage Company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tax ID : XXXX Phone : ( XXXX ) XXXX. 

My Loan ID : XXXX Can I get that money? 
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
XXXX ) XXXX & XXXX XXXX took out a mortgage with Carrington Mortgage thru XXXX  XXXX XXXX in XXXX XXXX ) .My husband & I were both seniors on XXXX paying approximately {$790.00} a month mortgage to Carrington Mortgage , 3 ) Due to my husband 's illness of XXXX & the hardship we faced during this ordeal ; we were placed in a forbearance 4 ) My husband passed in XX/XX/XXXX XXXX ) .My late husband handled all the finances in our household, so I was at a loss when I was approached by Carrington to start back paying a monthly fee if I wanted to keep the home or pay approximately the {$11000.00} we were in arrears.

6 ). Unable to pay that amount, I was told that it would work out better for me if the loan was refinanced & I would not have to pay the arrears but start a new and make monthly payments of approximately {$780.00} per month & I did. Never late & in fact I paid {$800.00} a month to be placed on principle 7 ) In XXXX, after paying my insurance & taxes for 2 years, I was told my monthly mortgage payment would go up to {$1000.00}. I questioned why the increase & I was given reasons that all FHA MORTGAGES would have to be in escrow, the homeowner insurance I had went up and that my taxes & insurance had to be payed by Carrington.

I explained this amount would bring about a hardship for me, why can't I continue to pay my taxes & insurance as I had done in the past two years & was told I could not. 
My children helped me with XXXX and XXXX payments of {$1000.00} but I do noy want to have to continue having them faced with this unnecessary financial burden when they have families of their own. 

I need help in rectifying this financial hardship I am now facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Credit Bureau Representative, I am writing you today to formally notify you that I am a victim of identity theft. After a detailed review of my credit report, I discovered several fraudulent accounts opened in my name. I am requesting your assistance in investigating and resolving these issues. 
Specifically, I would like to address the following accounts : 1. 
**Account Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Account Balance** : {$1500.00} I did not open these accounts, and I am not responsible for any charges associated with them. II have in fact contacted the FTC as well as the CFPB.I request that you take immediate action to investigate these matters and remove these accounts from my credit report. 
Additionally, please provide me with documentation related to each ac

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 2024-11-19 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: NY

Complaint narrative:
Dear Credit Bureau Representative, I am writing you today to formally notify you that I am a victim of identity theft. After a detailed review of my credit report, I discovered several fraudulent accounts opened in my name. I am requesting your assistance in investigating and resolving these issues. 
Specifically, I would like to address the following accounts : 1. 
**Account Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Account Balance** : {$1500.00} I did not open these accounts, and I am not responsible for any charges associated with them. II have in fact contacted the FTC as well as the CFPB.I request that you take immediate action to investigate these matters and remove these accounts from my credit report. 
Additionally, please provide me with documentation related to each ac

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may incl
ude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-19 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: NC

Complaint narrative:
In According with Fair Credit Reporting Act Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 
15 U.S.C 1681 Section 602 A. States the I have the right to privacy.

15 U.S.C 1681 Section 604 A : It also state a consumer reporting agency can not furnish a account without my written instructions.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
Well chime was fine up until the XXXX feature. Was getting paid 2 day early for most the time. Then I heard about the XXXX feature. And at the time it came in clutch as I was having vehicle trouble. I was able to borrow XXXX at first to fix it. Then paid that back and for the next XXXX to XXXX pays it would go up till it got to XXXX. Used that and when I paid that back they dropped it to XXXX causing me to lose out on XXXX dollar of my check. At this point I'm to invested into the feature its part of my paycheck. And it was at this point I contacted chime to give my concerns. But they were zero help at all. Pretty much told me it's not my money. Yet it says I'm borrowing from my next check. They also only let you pull XXXX buck a day for some people it might be more. They told me it was based on their computer calculating how much you get. This how ever causes you to be able to pull the rest of your check. By the time I get paid again So getting paid 2 days early is no more. Cause after I pay the XXXX back. I have just enough for my main bills and rent if that. Then have to wait to pay anything else I have to or need money for to pull XXXX buck a day. There is nothing in the terms saying any of that. Right now their advertising it all over you can receive up to XXXX dollar of your check early. See my brother got like a early access to the XXXX feature before it went to everyone. And he was able to pull hundreds off at once and was have no issues. I see them closing people accounts for now reason. i rather them not close mine like I said im invested its part of my pay..They already threatened to close mine when i called about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is reporting a debt on my 3 credit reports and I've never done any business with them. I don't know much about them other than what I've read that they are known for trying to scam consumers out of their money with unverified account information. Because I've never done any business with them I demand to see verifiable proof of the original contract bearing my signature that I signed for this debt. Also a copy of payment history from the original creditor that I supposedly did with them. Name and address of the original creditor and proof that you either own or have been assigned this debt to collect. Failure to provide proof within 30 days of receipt of this complaint will leave me no choice but to exercise my rights under the Fair Credit Reporting Act 15 USC 1681N and 15 USC 1692g which I've never received anything from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I wanted to report my plea for professional assistance this year. 
I believe I received the misuse of interest rates when my student loans were in forbearance at times since XXXX. I believe XXXX  XXXX XXXX collected interest rate money and added it on to my principle causing my amount due to increase to an undesired rate. If you look at my taxed income history, since XXXX and thereafter I was laid off from my management position during Covid. I have had an income of XXXX or less since then. XXXX, I learned has been in a lawsuit because of scenarios like this. Can you please refer me to information that can help me correct this issue. I believe I incurred too much interest on my principle amount at a vulnerable time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AZ

Complaint narrative:
There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payments represents a cancellation of debt and was not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

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