vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
These credit reporting agencies have ignored my disputes long enough, and Im done tolerating their negligence. Despite providing evidence and disputing the inaccurate payment history multiple times, they continue to report false information on my credit report. This is unacceptable and has caused unnecessary harm. Under 15 USC 1681e ( b ), credit bureaus are legally required to ensure maximum possible accuracy in the information they report, but theyve clearly failed to meet that standard. Im no longer interested in excusesI demand immediate action! The law under 15 USC 1681i requires credit bureaus to conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. Their repeated failure to do so proves that no proper investigation has been conducted. If they had done their job, this inaccurate payment history would have been deleted by now. Instead, theyve ignored my disputes, proving either negligence or willful noncompliance. Additionally, under 15 USC 1681b ( f ), they have no right to report or share inaccurate information without a valid purpose. Since this false payment history is tied to incorrect reporting, it should have been removed long ago. Their refusal to take action makes them liable under 15 USC 1681n for willful violations and 15 USC 1681o for negligence. This isnt just about a simple errorits about their ongoing failure to follow the law and respect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: OK

Complaint narrative:
I recently discovered that my personal information, including my Social Security Number ( SSN ) and other sensitive details, were exposed due to a data breach at XXXX XXXX XXXX. This breach occurred when According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names Social Security Numbers Mailing addresses Email addresses Phone numbers Risks of the exposed data The compromised data in this breach can be exploited for different cybercrimes and fraudulent actions. The following list shows possible risks associated with each category of exposed information : Full Names : Misuse of your identity for fraudulent activities, such as opening new accounts or making unauthorized purchases. 

Social Security Numbers : High risk of identity theft, which can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social security number. 

Addresses : Access to your physical address increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-address requests and potential home burglaries. 

Phone Numbers : There is a high likelihood of increased phishing attacks through text messages and phone calls, potentially resulting in unauthorized access to personal and financial information. This also increases the risk of unsolicited ( spam ) calls. 

Email addresses : Increased risk of targeted phishing, account takeovers, unauthorized access, and a higher chance of spam emails. As a result, my XXXX and other personal identifiers were compromised and may have been accessed by unauthorized entities. Also There is a lawsuit due to XXXX XXXX given access to my information. This raises serious concerns about the security of my personal data and the potential for its misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: OK

Complaint narrative:
I recently discovered that my personal information, including my Social Security Number ( SSN ) and other sensitive details, were exposed due to a data breach at XXXX XXXX XXXX. This breach occurred when According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names Social Security Numbers Mailing addresses Email addresses Phone numbers Risks of the exposed data The compromised data in this breach can be exploited for different cybercrimes and fraudulent actions. The following list shows possible risks associated with each category of exposed information : Full Names : Misuse of your identity for fraudulent activities, such as opening new accounts or making unauthorized purchases. 

Social Security Numbers : High risk of identity theft, which can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social security number. 

Addresses : Access to your physical address increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-address requests and potential home burglaries. 

Phone Numbers : There is a high likelihood of increased phishing attacks through text messages and phone calls, potentially resulting in unauthorized access to personal and financial information. This also increases the risk of unsolicited ( spam ) calls. 

Email addresses : Increased risk of targeted phishing, account takeovers, unauthorized access, and a higher chance of spam emails. As a result, my XXXX and other personal identifiers were compromised and may have been accessed by unauthorized entities. Also There is a lawsuit due to XXXX XXXX given access to my information. This raises serious concerns about the security of my personal data and the potential for its misuse.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERP and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

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 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 2025-02-10 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: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
I sent this email on XX/XX/XXXX XXXX Arvest Mortgage Team, I have few questions : XXXX ) How much did XXXX transfer towards my Escrow Account XXXX ) Give me my Escrow Account statement from start till date XXXX ) Given that my Property Tax is significantly lower, what does the law require you to do with the surplus? 
XXXX ) Have you followed the law while retaining surplus and not refunding the balance? If not, why? 
XXXX ) I have not been notified of any changes in my escrow payments/schedule/refund with interest. Why? 

Please reply in writing on each and every point and provide Escrow statement as requested. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-02-10 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: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-02-10 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A cashiers check was deposited into my checking account today in the amount of {$6000.00}. I called around XXXX pm XXXX XXXX XXXX to receive an estimated date of when the funds would be available ; and the customer service representative started interrogating me. I told the representative that she was out of line and requested that the call be escalated to a supervisor so that I could file a formal complaint. The representative placed me on hold and never returned to the call. I received an email shortly afterwards stating that a hold had been placed on the cashiers check because information was received that the check would be returned. These funds are valid and no return was initiated by the depositor and she is a family member.

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 monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: RI

Complaint narrative:
Bridgecrest is the car loan company that I took out 4 years ago. 
I believe the marshals are conspiring with bridgecrest or the city marshals are creating fake email and bills to defraud XXXX XXXX I just made a payment a few days ago and they keep send me the same amount before I payed. Im not even getting all my receipts. Ive reported it the the authorities but there isn much they can do. 
Ive been paying a 68 month payment plan that started in XXXX, at XXXX loan. Slthough the vehicle was XXXX. My balance in XXXX is near XXXX, XXXX after paying consecutive 3 1/2 years without missing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I opened a Barclays AAdvantage Aviator XXXX XXXX XXXX Mastercard ( account ending in XXXX ) in XX/XX/year>. I contact Barclays to alert them to my XXXX XXXX military status and to enroll in XXXX XXXX XXXX XXXX ( XXXX ) benefits. Despite my eligibility for XXXX, Barclays has not adjusted my interest rate or refunded the {$99.00} in fees it assessed to 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 2025-02-10 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
{$1800.00} Closed my account even though I was paying monthly. I wanted my account to receive recurring payment until paid. 

{$1900.00} I have already made the efforts to handle my balance then was sent to collections. 

SYNCB/AMAZON I XXXX my rate to be lowered so I can pay my balance in full each month.

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 2025-02-10 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
{$1800.00} Closed my account even though I was paying monthly. I wanted my account to receive recurring payment until paid. 

{$1900.00} I have already made the efforts to handle my balance then was sent to collections. 

XXXX  I wanted my rate to be lowered so I can pay my balance in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
{$1800.00} Closed my account even though I was paying monthly. I wanted my account to receive recurring payment until paid. 

{$1900.00} I have already made the efforts to handle my balance then was sent to collections. 

XXXXXXXXXXXX  I wanted my rate to be lowered so I can pay my balance in full each month.

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