vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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: MO

Complaint narrative:
I've reported this XXXX account over 10 times! It's not mine I didn't authorize the opening of the account nor did I have any knowledge of the account. I've provided countless documents proving over the last 3-4 yrs my personal information has been compromised by individuals as well as big companies. My new issue is the account was CHARGED OFF now opened again and reporting again after the CHARGE OFF WHICH IS ILLEGAL Once an account is marked charged off it should not be repeated for several months extending the statue of limitations The information is different and inaccurate across each credit company Pass due amounts are inaccurate Inconsistent 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 2024-07-08 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: MO

Complaint narrative:
I've reported this XXXX account over XXXX times! It's not mine I didn't authorize the opening of the account nor did I have any knowledge of the account. I've provided countless documents proving over the last XXXX yrs my personal information has been compromised by individuals as well as big companies. My new issue is the account was CHARGED OFF now opened again and reporting again after the CHARGE OFF WHICH IS ILLEGAL Once an account is marked charged off it should not be repeated for several months extending the statue of limitations The information is different and inaccurate across each credit company Pass due amounts are inaccurate Inconsistent 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 explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CCF Intermediate Holdings LLC
State: WA

Complaint narrative:
I was approved for a loan of XXXX and they said they would put a small amount in my bank to verify my account and I said ok and they did so I went and paid couple of bills and XXXX days later I looked at my account and it was negative XXXX called bank they had no info on it so I called XXXX XXXX and they said it was because I didn't send back but they didn't ask me to do I went online and was approved by speedy cash for XXXX they said they would put enough to clear up my account and that I had to send the rest back to raise my credit score so I sent back and then they didn't call me back until after the XXXX and told me I need to send XXXX to XXXX to bring my score up XXXX more point so they could put my loan in or they weren't going to honor cheek so that would put my account XXXX  and the reason for the loan was to pay past debt off so I could buy my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-08 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such account and also any other documents they may have so that I can review and see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: MD

Complaint narrative:
My account with 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 60 days 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 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 8

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 2024-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I signed up for a {$250.00} bonus for opening up a PenFed Free Checking Account. The requirements were to open the checking account by XX/XX/year>, and have direct deposits totaling {$1500.00} each month for XXXX consecutive months. I opened the account before the XX/XX/year>, deadline and had direct deposits totaling {$1500.00} for XX/XX/year> and XX/XX/year>. Please credit my account {$250.00} as I have met the terms of the bonus.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX  is committing fraud by now re-aging my account. Proof is attached of their fraudulent activities. I demand this account to be removed as it violates my federally protected rights

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2024 you all said that information has been deemed accurate and verified by the creditor XXXX XXXX and documentation has been sent to me to review which it has not. Also you mentioned of an assumption that i am using a credit repair company when I am not and I am in fact utilizing my Rights under the FCRA and disputing this creditor. However you as the furnisher are violating my rights and not providing information from the creditor that you are required to get from them and to provide to me. Once again if the information that was not requested in my previous CFPB complaint XXXX or dispute is not honored i will be forced to take legal action against EXPERIAN as a consumer i can sue for {$100.00} {$1000.00} for each violation of the FCRA. I am demanding at this point if the information previously requested is not provided within 15 days i will take legal action against Experian.

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 2024-07-08 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Inquiry reporting on my credit report that I do not recognize, do not have a open account or did not authorize inquiry.

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 2024-07-08 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: AL

Complaint narrative:
In XXXX I call Equifax because my mortgage broker wanted to check my credit report, but they told me there was fraudulent on my account. So I called Equifax they told me I needed to mail my information to update my address okay so I did I mailed them my driver license, cover letter, 2 Utilities bill thats all they told me. I call again 2 weeks later they received my information and this time they told me my date of birth was wrong on Equifax on there system its says I was born on XXXX. But I was born in XXXX. So I mailed the information again some documents and I also got a tracking number on it to make sure they received it. Now calling some time in XXXX there saying they received my information but they need documents birth certificate, tax returns, rental agreement, cover letter, driver license, utilities bill, and paystubs, So mailed these information for the third time they received it but now the issue was they needed my social security. Now this is the fourth times mailing them all the information they need to take the freeze on my account. So I called today XX/XX/XXXX they received all my information including social security and I also informed them I made the print large. Now they are telling to resent my driver license because the print is blurry. If I do send it ; it will be my fifth time mailing them information. I dont understand why didnt they tell me what all they needed from the first call I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I am writing to file a formal complaint against OneMain Financial regarding their failure to acknowledge and act upon my request to revoke all automatic debits from my account. This incident has caused significant XXXX XXXX and inconvenience. 

On XX/XX/year>, I sent an email to XXXX requesting the revocation of all automatic debits. In my email, I explained that I was working with a law firm to handle my debt and provided the firm 's direct contact information. However, I did not receive any reply or acknowledgement from OneMain Financial. 

Despite my clear request, on XX/XX/year>, a debit of {$360.00} was withdrawn from my account, resulting in an overdraft. This action directly contradicts my request and violates Regulation E ( Electronic Fund Transfer Act ), which provides consumers with the right to stop payment of preauthorized electronic fund transfers. 

When I called XXXX 's local branch XXXX, the XXXX, XXXX, informed me that they do not have access to emails. This lack of internal communication is unacceptable. I then asked XXXX for guidance on how to file a formal complaint. She directed me to call XXXX. Upon calling this number, the agent informed me that I needed to file a complaint with the local office, and my call was routed back to XXXX. This circular process left me with no resolution and added to my frustration. 

Furthermore, XXXX then stated that the branch XXXX was on vacation and that he would contact me upon his return. This lack of accountability and proper handling of customer complaints is highly disappointing and unprofessional. 

I am seeking immediate resolution to this matter, including the reimbursement of the overdraft fee and assurance that all future automatic debits will be halted as per my original request. OneMain Financial 's failure to comply with my revocation request and the subsequent mishandling of my complaint demonstrate a clear violation of consumer protection regulations and a disregard for customer service. 

I trust that the Consumer Financial Protection Bureau will take the necessary actions to address this issue and ensure that OneMain Financial adheres to the regulations designed to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2, states that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U.S. Code 1681e Section B - Accuracy of Report, states that Consumer Reporting Agencies shall follow reasonable procedures to assure maximum possible accuracy of the information. This account shows 30 and 60 days late payment on one credit bureau however, it shows 60 days and 90 days late on another credit bureau. I have never been late on a payment regarding account number XXXX from XXXX XXXX XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: UT

Complaint narrative:
On XX/XX/XXXX, XXXX I received a notice from MOHELA that I was on administrative forbearance while they recalculated my loan payment. In the notice they said that payments would be stopped, but that I would received a notice and a bill 21 days before my payments went back into effect. 
However, I received a bill on XX/XX/XXXX stating that I had a payment that was due XX/XX/XXXX and would be auto withdrawn from my bank account. 
Today is XX/XX/XXXX and they did take my student loan payment out. I had XXXX business days notice and only XXXX regular days notice. 
I also have not had access to my online MOHELA account since XX/XX/XXXX since it states that I am being moved over to another website and they will notify me when it is finished so I cant even see anything about my account on there and havent been able to for almost a month. So it was not possible for me to see this bill prior to XX/XX/XXXX. 

How am I supposed to plan my budget when they keep changing things and giving me the wrong information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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