vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX XXXX payment made XXXX. 
XXXX entered into system XXXX. 
The electronic data on the Freedom webpage indicated that the payment had been made. 
On XXXX I called Freedom to state that the funds had not come from my bank. 
The representative, A ... reviewed the payment and agreed it stated it was paid. He put me on hold. Upon return, he stated that the payment had just been reversed- at the last minute. He stated the account number had an incorrect digit. I asked why Freedom had not called in 5 days. He stated that Freedom Never calls back regarding incorrect routing or checking numbers, as some people who are in default, behind or in foreclosure use incorrect numbers on purpose. I replied to his astonishing statement by repeating what he said, that Freedom will not tell the majority of their good-paying clients that an account number is wrong and ask to fix the error. This kind of error is noted by most computers on other sites. I repeated to him that their website stated I had paid. He agreed that this error should not go to the credit reporting site. The two following agents argue vociferously that I was late. I repeated the above. The XXXX agent I spoke to would not allow me to speak to a supervisor, stating a supervisor would say the payment was late. The third agent my husband spoke to agreed that this electronic error should have been relayed immediately to us, as is common on most other electronic payments. This is an electronic error on Freedom 's part. This one error caused a XXXX loss on my account! My husband is a Vet. We are hard-working self-employed people. At times very good clients have to juggle funds, which causes payments to be a few days past the XXXX but not past the 30 days. The fact that Freedom states their policy is to not tell the client the account input is incorrect is egregious. Freedom knows the damage to their clients that is caused by their erroneous reporting to the credit agencies. Please listen to the recordings.

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 2024-05-30 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: CO

Complaint narrative:
I spoke to the 3 credit Bureau back on XX/XX/year> about a collection account XXXX XXXX XXXX XXXX. I told them that this account is fraud and provided them with a police report, FTC report number, and CFBP report and nothing changed I dont believe they are doing an actual investigation. I reached out to the collection agency on XX/XX/year> on the phone and still havent received any documentation that validates this debt. And I also sent a letter to them on XX/XX/year> and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2024-05-30 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.
State: AZ

Complaint narrative:
There are unauthorized inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX, my XXXX son who is XXXX accidentally without knowing what he was doing, signed me up for a membership with Equifax XXXX XXXX XXXX for {$19.00}. I absolutely did not authorize this charge. None of it was used of course. And from the minute I realized what he had done I contacted them and have been trying to get this resolved ever since. They refused to refund my money although this was an unauthorized purchase that I did not buy myself. He is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate names, and addresses. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all inaccurate. Also, according to 15 USC 1681s-2, 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 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate names, and addresses. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all inaccurate. Also, according to 15 USC 1681s-2, 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 non-monetary relief
Consumer complaint received 2024-05-30 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:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-05-30 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:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that need immediate attention. Specifically, regarding this account : XXXX. 
The company has acknowledged this error and committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of this account after the company recognized the inaccuracies. 
I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe. 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
Consumer complaint received 2024-05-30 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.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Enrolled in A XXXX consolidation program did not put all my cards in there because I was paying them off the lower balance ones and then they close my account even with nothing on the cards like your credit. Now I have no way to pay for my XXXX XXXX  trip, my credit XXXX up because of the XXXX  consolidation, they close them because they were scared if I used that account I would pay it, but I will pay all of the lower accounts off myself

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 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
I recently reviewed a copy of my credit and notice I had a fraudulent account on my report from MdKenzie Paul and Associates , Inc. I have never received any validation forms from this company as per 15 USC 1692 ( a ) ( 4 ). Please remove this account from my report because they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
this collection that is reporting on my credit is not my debt ( XXXX XXXX credit card ) of XXXX... I would like for this to be remove off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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.
State: IL

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
These collections popped up on my radar in XXXX of XXXX I have just recently dealt with identity theft back in XXXX. I have no recollection from these accounts. My family has a XXXX XXXX  phone plan that I am apart of. I do not have my own XXXX XXXX plan ever to make them try to take money from me. These collection accounts might have been picked up by these agencies to try to get money from me that I have never owed. They have attempted multiple times to call me and get money from me. I am sick of dealing with the leftover scars from my identity theft in the past. I'm a XXXX XXXX XXXXXXXX member and have been struggling with these collection agencies trying to collect money that I have never owed. Please help me and get them to quit asking me to pay these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I requested a debt validation under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the debt that you claim is disputed and validation is requested. Midland company failed to provide my requested validation and continued to report this fraudulent debt to the credit reporting agencies. I request for them to provide me with all of the following : 1. what is the money the say I owe for. 
2. Explain and show me how they calculated what they say I owe 3. Provide me with all copies of any papers that show I agreed to pay what they say I owe.

4. Identify the original creditor.

5. Provide me with their license numbers and registered agents 6. Provide first date of delinquency with original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that need immediate attention. Specifically, regarding this account : XXXX. 
The company has acknowledged this error and committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of this account after the company recognized the inaccuracies. 
I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

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 2024-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I just got my loan letter from Mohela stating my loan is being transferred. I tried several times logging into my account and re-enter the new information. I can not login - keep getting a system error and my payment is due in about one week. 

If there system is bogged down due to high activity, that is not my problem. Thats theirs as I am sure they will have no problem nailing me with a late payment. 

I dont have time to sit on hold waiting for them. Even on their website, it states longer than hold times are expected. Thats their staffing issue. Not mine. They need to figure it out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that need immediate attention. Specifically, regarding this account : XXXX. 
The company has acknowledged this error and committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of this account after the company recognized the inaccuracies. 
I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe. 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 non-monetary relief
Consumer complaint received 2024-05-30 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:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XX/XX/year>

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 2024-05-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account on my record, despite my fifth attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. 
With this, I am asking for your assistance to correct account : XXXX  XXXX Balance : {$6400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$2200.00}.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: DE

Complaint narrative:
I have sent numerous written request for Tomo credit to cease and desist from debiting my account. They no longer have my authority and theyre taking {$10.00} every single week. I have tried to remove my account from the Tomo site, but its impossible. Ive called a phone number that no one ever answers and sent numerous emails and web requests with no responses. I also emailed the CEO XXXX XXXX on XXXX, but of course got no response, I want my account closed my bank account removed from access by Tomo as well as a refund of the {$400.00} that has been taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: PA

Complaint narrative:
There are two collections on my credit report that need to be removed. They got charged off in 2016  but they keep reappearing as new collections, so i think the collectors are re-aging my debts. Ive contacted them twice and even the company and they are refusing to provide me with documentation.

Company response to consumer: Closed with explanation