vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: OR

Complaint narrative:
I am writing to request the immediate blocking and deletion of a fraudulent account that has appeared on my credit report due to identity theft following a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this account removed to protect my credit history and personal information. The details of the fraudulent account are as follows : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted 30+ days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

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 2024-11-07 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:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted 30+ days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

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 2024-11-07 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive reviewed my Consumer Reports and noticed one late payment on my account which has never been late. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late in any payment for this account ( XXXX XXXX XXXX XXXX  : XXXX on XX/XX/year>. Please investigation and provide proof with statements showing that this payment was late. In addition, if no proof can be provided I demand this payment status to be updated to on-time as they should be as I was NEVER LATE. Thank you in advance.

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 2024-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Flexible Finance, Inc.
State: FL

Complaint narrative:
This company is used by my apartment complex to help with rent assistance so I decided to give them a try for XX/XX/year>. Their app stated the first payment that i needed to make to them was for {$510.00} so I provided my account info with XXXX in the app. The first week of XXXX, my account was overdrawn as they had taken out {$1100.00}. I gave permission for one month only, went into the app and purposely selected only one mont and not automatic withdrawals. I called XXXX and explained what happened and they put in a dispute. I tried to reach GetFlex but they do not have a phone or fax number. You can only reach them by email and wait at least 2-3 days for someone to get back. I emailed and let them know the XXXX payment was in error and to reverse it. The email I reeived said they had permission to take it. I wrote back that they did not have my permission and they went silent and never responded again. 

I want a refund back in the amount of {$1100.00} that they did not have a right to take. They responded to XXXX promptly and denied my claim by saying they had spoken with me and I had approved all amounts taken. I emailed the company again and asked for a bill as well as the agreement and I have not heard back or heard anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I went to a normal medical appointment and consultation at XXXX back in XX/XX/XXXX. During that time, I was a self pay patient and paid in full for a consultation appointment and requested blood work separately. The collected blood work was completed at XXXX facility and sent to XXXX for evaluation. Shortly after, started receiving bills from XXXX for the blood work. I contacted both parties billing department and advised them that the blood work was paid in advance and in full. Also, that XXXX needs to pay XXXX since I was a self pay patient and I paid XXXX for the lab work in advance. I sent follow up emails and copied as well as attached pdf copies of the paid in full receipt of payment. Still even with the documentation and acknowledgment from the billing department representatives the XXXX continued to send billing statements for lack of payment to Me and XXXX has still not paid XXXX. Now as of XX/XX/XXXX this has not been resolved and a third party retained by XXXX, Credit Collection Service from Massachusetts, sent a collection letter as a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
On XX/XX/year>, I sold the car. My next loan payment was due on XX/XX/year>, but in XXXX, a late payment appeared on my credit report. This is incorrect, as the car was sold, and I informed the bank about it. They assured me that my notification was recorded and that no late payment would appear on my report. I do not know why the transaction took so long. I request that the late payment be removed from my credit report. I can provide the car sales contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
On XX/XX/year>, I sold the car. My next loan payment was due on XX/XX/year>, but in XXXX, a late payment appeared on my credit report. This is incorrect, as the car was sold, and I informed the bank about it. They assured me that my notification was recorded and that no late payment would appear on my report. I do not know why the transaction took so long. I request that the late payment be removed from my credit report. I can provide the car sales contract.

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 2024-11-07 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:
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 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. 


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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
True accord has stated I owe a debt of {$680.00} from XXXX XXXX. Would not give me any information as to the name and address of the originator of the debt. Made me give my information then stated I didn't live there and wanted another address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
I was experiencing hardship and got behind on my loan due to an unexpected illness which caused me to miss work and when I resumed work I started going through a custody battle and had my vehicle reprocessed but paid all necessary fees to obtain my vehicle but I was told by several representatives that I could take advantage of an offer to pay a settlement as a flat fee I also received an email with the same offer and I was told the amount but never could receive a confirmation by email to confirm this matter so I made several calls where I was informed I just needed to wait on an email but never received it but when I tried to escalate this issue I was then told I could not take advantage of the offer to offset the interest I was being charged and even though I talked to several representatives that informed me this offer was valid including speak with a Supervisor named XXXX from Alabama giving me a price breakdown I was given false information to string me along even after I paid all fees under the impression that this would be an offer I could take advantage of to assist me with my financial hardship. I was lied to, and this matter needs to be investigated.

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 2024-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received an alert from XXXX that I had a hard inquiry from Capital One Bank for a credit card application that I did not open or file for. I have never used their company before. I called them and they reported it as fraud but I did not receive any information from them about the account that filed the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: Selene Holdings LLC
State: NY

Complaint narrative:
The servicer was sent an XXXX and failed to respond in the required time with the information requested. Instead, they sent us a letter acknowledging the fact they are late in responding and indicated they would need an additional 15 business days. Even this amount of time has now passed. I will attach both the XXXX and the letter sent by the servicer to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-07 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: GA

Complaint narrative:
I did an investigation recently on my credit report, and I found multiple negative items on my credit report that seem to be reporting in error or placed on my consumer file by mistake. I have done my own investigation and come to the conclusion that, these the following items do seem to indeed be reporting falsely and inaccurately. Please remove these items as soon as possible, as this is damaging to my credit worthiness, and inaccurately reporting to my consumer files making it hard for me to obtain a housing lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
I am writing to address multiple unresolved issues with the information on my credit report in GM FINANCIAL, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/scrub>XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), GM FINANCIAL is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, GM FINANCIAL is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect GM FINANCIAL to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Truist Customer Service Team, I am reaching out with a matter of utmost urgency and concern. I have contacted Truist on multiple occasions regarding unauthorized withdrawals from my account by XXXXXXXX XXXX, a company with which I do not have an account nor have I authorized any transactions. To date, these unauthorized withdrawals have totaled over {$1200.00}. 

Despite my repeated requests, I have been informed by Truist representatives that the bank is unable to block these unauthorized withdrawals. I am aware that financial institutions often have measures available to protect account holders from unauthorized transactions. I am therefore asking again for Truist to implement any available security measures to prevent further unauthorized access to my funds. 

Please treat this matter with the seriousness it requires and provide a solution that safeguards my account. I look forward to your prompt response and a swift resolution. 

Sincerely, XXXX 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 explanation