vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: HI

Complaint narrative:
I am filing this complaint against Fortiva due to a dispute regarding their report of a late payment on my credit report. Fortiva stated on my XXXX statement that my XXXX payment of {$95.00} was past due. However, I made a payment of {$180.00} on XX/XX/XXXX, as clearly indicated in my XXXX statement. This discrepancy has significant implications for my credit score and financial credibility. 


Dispute Details : XXXX Payment : The XXXX statement indicated a minimum payment due of {$95.00} by XX/XX/2023. 

Fortiva 's Claim : On the XXXX statement, Fortiva reported that the XXXX payment was past due. 

My Action : I made a payment of {$180.00} on XX/XX/2023, as shown in my XXXX statement which covered the {$95.00} XXXX payment. Well within 30 days. 

Attempts to Resolve : I disputed this with the credit bureaus, presenting evidence of the payment made on XX/XX/2023. 

Despite this, XXXX 's dispute results indicated that the account remains reported as a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX bill {$2700.00} Jefferson capital has put this on my credit and XXXX XXXX keeps sending me collections letters to collect a debt that is not mine.. I have tried several times for years to dispute this matter and they will not remove it from my credit reports.. this debt is not mine and I never had service with XXXX I have been a XXXX customer for over a decade .. please help me get this resolved and removed from my name the name on the bill is wrong as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NV

Complaint narrative:
Hello, I have faxed over everything required from my end in order to apply for a loan modification. I faxed everything on XX/XX/XXXX. I was told I would hear back in about XXXX  days. I have nit heard anything back from Selene Finance in regards to a possible loan modification. I've let them know every single time I call that I can not make payments they are adding fees on to. First they were requiring XXXX by XX/XX/XXXX. Then when I called to make a payment, they said I now owe XXXX. I call back yesterday and what I owe ballooned to XXXX. I'm not sure what fees they are stacking up, but at this point I have not received not a singl response to see if I can continue making payments on my home. I call to make a months worth of payment, and they refuse to accept unless it's the new amount. I don't know how or why they are asking for so much money within the same XXXX month in order to prevent foreclosure. I have read many reviews where Selene Finance has foreclosed without notifying the homeowner and I hope that's not the case with me. I have called so much to ask if they have any news and NONE of the representatives know ANTHING. I want a response in order to go through a loan modification. I do not want to go back and forth anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CT

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
See document attached

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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I requested XXXX XXXX XXXX your XXXX to ship my motorcycle XXXX XXXX  year XXXX they proved me with a bank account and all information, I copy past it to my bank to create an account then transfer the money as per there email dated XX/XX/XXXX the total amount {$1500.00} was transferred as per my bank email I provided them but XXXX representative said they didn't receive the payment, I requested them to contact there bank they refused, they asked me to recall the payment I did ask my bank on XX/XX/XXXX to recall the money but there bank refused to release back the funds dated XX/XX/XXXX Account details : Company Name XXXX XXXX XXXX. 
Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Company Email : XXXX Phone # XXXX Account number XXXX Routing number ( ACH ) and ( Wire ) XXXX XXXX  code XXXX Bank address American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX I need you to confirm that XXXX  received my money transfer dated XX/XX/XXXX Thank you and regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-10 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-10 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
As previously stated, I pay my loan bi weekly to BSI. my XXXX  account. Sends the money to Bsi by weekly instead of the loan company. Paying my loan. They add my payments to a separate account. That does not reflect of my account being paid on time. In turn They reported my account negatively to the credit bureau in XXXX in which I have spoke to several agents by the name of XXXX. XXXX and XXXX have all confirmed via telephone. That my account was paid on XX/XX/XXXX, which should not have been reflected as late because it was not XXXX  days late. In fact, my account was up-to-date. XXXX is refusing to remove the negative report of XXXX. Late payment from my credit report. When in fact my account was paid. I wish I had this removed from my credit report. As is hindering me from applying for home loans, car loans and business loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I XXXX XXXX am disputing the validity of the debt assigned to me from the creditor stated in account number XXXX. 

Per section 609 of the Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature from the original creditor.

Additionally, you are to send me proof that you are legally contracted and legally authorized to collect this debt by the ORIGINAL creditor.

You are required to remove all collection information from all XXXX  credit reporting agencies immediately until the investigation has concluded. 

You are required to respond to this request to validate this debt with in XXXX  days. I will exercise my rights to have XXXX  days to review the evidence and respond. 

You are to cease and desist all collection attempts with we. 

Failure to comply with the instructions within this email constitutes a violation of my rights and legal remedies will be exercised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-01-10 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: IL

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2024-01-10 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: IL

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2024-01-10 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: CA

Complaint narrative:
Problem with a company 's investigation into an existing problem- company and credit bureau clearly did not do an investigation never had this service and social security number different from mine.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2024-01-10 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I downloaded the XXXX XXXX  app and put all my information correctly to make an account but they told me we are sorry we can not able to make account for you today could because I do not need to qualifications I do not see why I do not. I have XXXX ready to put in my savings account and I have no debt at all and I have a steady income so please explain to me why I can not open the 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 2024-01-10 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: MO

Complaint narrative:
Notification from Experian at XXXX that another dispute is ready to view on-line and the evidence I provide from this point on is purely for further? Experian tells customers that there disputes are ready to view on-line line but in all cases its a ploy to get you to call here customers service rep and give them your social security number AND WHEN YOU DO THAT THEY TELL YOU SORRY BUT EXPERIAN DOES NOT ALLOW THEN TO FIX ANYTHING, SCAM SCAM SCAM SCAM

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 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2024-01-10 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with explanation