vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. Despite my disputes, the credit reporting agency has not properly verified the accuracy of the information in question. The continued presence of this inaccurate data on my credit report demonstrates a failure to comply with the required investigative standards under the FCRA.

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 2024-09-03 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number 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 2024-09-03 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 victim of online identity theft. Someone used photos of my social and ID to open accounts on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-09-03 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 have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding an erroneous collection account that has appeared on my credit report. I have reviewed my credit report in detail and have identified this account as inaccurate and potentially damaging to my credit profile. 

XXXX Accounts- Amount : {$750.00} Amount : {$490.00} Nature of Complaint : Incorrect or unverified collection account Explanation of Complaint : The collection account referenced above does not accurately reflect my credit history. I have no recollection of this debt, and I firmly believe that this account has been reported in error. I am unaware of any debt that would result in this collection, and I request that you investigate this matter thoroughly. 

While I do not possess specific documentation related to this account, I am entitled under the Fair Credit Reporting Act ( FCRA ) to have any inaccurate or unverified information removed from my credit report. As part of your investigation, I request that you verify the accuracy of this account with the original creditor. 

If the account can not be verified, I request that it be removed from my credit report immediately. The presence of this erroneous collection is unfairly affecting my credit standing, and I trust that this issue will be resolved promptly. 

Please provide me with the results of your investigation and an updated copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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.

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 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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>24 My Social Security check was deposited into my Chime account. XXXX XXXX hours before I knew that the deposit was made my money was withdrawn from my account in XXXX separate transactions and deposited into a XXXX XXXX 's XXXX XXXX  account. Without my knowledge or consent. I filed a dispute and with in XXXX hours my dispute was canceled and I was told that I called and canceled the dispute which I did not do. I reopened it and was told my money would be refunded to my account on or before XX/XX/XXXX. Then when I called to see why my money had not been refunded, I was told that no fault was found and that my dispute was canceled. I have reopened itagain. 
Then on XX/XX/XXXX I wasn't a register at XXXX to with draw my Fire Department retirement check so I could close my Account with Chime. As I was making the withdrawal and I had my open Chime app I saw my money beTransfered from my credit builder account my checking account. I immediately transferred it back. Then it was was transferred back to my checking account, and this went back and forth 3 to 4 times and then I was kicked out of the app and my {$800.00} was used to purchase Bitcoins. I immediately called Chime and explained the situation and the agent could see the back and forth transfers and said he blocked the transaction for the bitcoins. And that my money would be refunded in 3 to 4 hours maximum. As of today and numerous phone calls to Chime I still have not received my refund yo my account. It seems as though someone in Chime has access to customer accounts and knows when direct deposits are due and is stealing customers money. I get nothing but excuse after excuse and nothing is getting done to help me get my money back. I have lost over, {$3000.00} in XXXX alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS XXXX XXXX  XXXX XXXX CA XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent INQUIRIES SYNCB/AEVISA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX  USC 1681i 15 USC 1679c

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 2024-09-03 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: MI

Complaint narrative:
I sent a letter certified mail to XXXX XXXX XXXX via certified mail. I have yet to get a response letter or correction of my credit report. On Experian it is listed as deleted but still appears on my report. Looking for immediate correction.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is involved in litigation. This has been going on for over 1 year which is a violation of the FCRA and FDCPA. This has caused me harm in trying to buy a house and a car because they are violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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:
This account is involved in litigation. This has been going on for over 1 year which is a violation of the FCRA and FDCPA. This has caused me harm in trying to buy a house and a car because they are violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is involved in litigation. This has been going on for over 1 year which is a violation of the FCRA and FDCPA. This has caused me harm in trying to buy a house and a car because they are violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Made a XXXX $ payment on XX/XX/year>2024. The payment reversed for no reason, I did not notice at the time. Then tried to pay off the student loan in full which was {$3700.00} on XX/XX/XXXX, 2024. the bank advised it would process for a few business days then go through. When looking at my student loan history it had a payment reversal on both payments I made on the days I made them. I called and was on hold for hours until the call was just ended. This is absolutely ridiculous and unacceptable, these loans collect interest and I was trying to pay in full so it could be done and paid. Getting ahold of anyone is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JMC Leasing Specialties, LLC
State: AR

Complaint narrative:
I disputed XXXX XXXX XXXXXXXX  and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: AR

Complaint narrative:
I disputed XXXX XXXX XXXX and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: Aldridge Pite, LLP
State: GA

Complaint narrative:
WE WERE WRONGFULLY AND ILLEGALLY EVICTED ON XX/XX/XXXX XXXX, FROM OUR HOME LOCATED AT XXXX XXXX XXXX XXXX XXXX GA XXXX. PERSONS WHO WORK AS STRAWBUYERS FOR XXXX XXXX, GEORGIA XXXX AND CORRUPT LAWFIRMS SUCH AS XXXX XXXX AND XXXX XXXX ARE STEALING MINORITIES HOMES AND NOW WE ARE HOMELESS. AS YOU ARE AWRE OUR CASE IS HUGE CONSISTING OF EXCESSIVE MORTGAGE FRAUD, BUT EVERYONE INCLUDING THE DA 'S, SHERIFFS DEPARTMENT, JUDGES, CLERK OF COURT AND OTHER ARE IGNORING THIS. WE KNOW IN THE LOCAL STATE, MAGISTRATE AND SUPERIOR COURT ALL OF THE JUDGES ARE PAID OFF TRUST AND BELIEVE THAT XXXX XXXX IN XXXX XXXX IS THE KEY JUDGE, HE HAD ALLLLLL OF THE CORRUPT CASES IN HIS COURT ROOM ON XX/XX/XXXX XXXX, EVEN THE CORRUPT LAWYERS/LIARS WHO I FOUGHT WITH IN BANKRUPTCY COURT IN THE SAME COURT ROOM WITH THE SAME REAL ESATE XXXX ON VARIOUS CASE AND OF COURSE XXXX RULED IN ALL OF HTE LAWYERS/LIARS FAVOR. 

SINCE, EVERYONE IS SAYING WE NEVER HAD MORTGAGE FRAUD BECAUSE WE WE XXXX AND INCOMPENTENT THE FRAUD WAS IGNORED AND NOW PERSONS FROM XXXX WORKING FOR XXXX XXXX  AND ALL OF THE CORRUPT JUDGES AND LAWYERS/LIARS IN GEORGIA. BOTHE THE XXXX AND THE CORRUPT XXXX OF XXXX XXXX MUST VACATE THEIR OFFICES IMMEDIATELY. THE MORTGAGE FRAUD ON THESE HIGH END HOMES AS IT PERTAIN S TO MINORITIES IS SO SEVERE, AN ATTORNEY IDENTIFIED XXXX WITHIN THE XXXX XXXX, WHICH IS WEREW XXXX XXXX XXXX IS LOCATED HAS MORTGAGE FRAUD. I KNEW THIS IN XXXX AFTER WE WERE NOTIFIED AND I INVESTIGATED IT AND SUBMITTED VARIOUS DOCUMENTS TO DOJ. THE MAJORITIY OF THE FRAUDSTYERS WERE XXXX RESIDING WITIN THE SUBDIVISION. IT IS A MESSSS!!!! 

AGAIN, WE ARE HOMELESS : WE ARE REQUESTING THE ORIGINAL PROMISSORY NOTE FOR REAL PROPERTY : XXXX XXXX XXXX XXXX, XXXX GEORGIA XXXX THE FRAUSTERS INVOLVED SIGNED MULTIPLE NOTES, SOLD THE NOTE WE NEVER SIGNED, XXXX FORGED OUR SIGNATURES AND SEPERATED THE NOTE FORM THE MORTGAGE FOR US TO PAY UNTIL WE WERE NOTIFIED. 

UNDER FEDERAL CODE 12 U.S. Code 1431 - Powers and duties of banks BANKS CAN NOT LEND MONEY OR ASSSTS AND A REAL PROPERTY IS PAID VIA THE FEDERAL RESERVE BANK AND NO MORTGAGE SHOULD BE PAID. 

WITH THIS SAID SEND US THE ORGINAL PROMISSARY NOTE AND IT BETTER NOT HAVE BEEN CASHED BY ANYONE AS THE ABOVE REAL PROPERTY WAS PAID IN FULL ON XX/XX/XXXX! 

WE MEAN BUSINESS! WE ARE THE CREDITORS AND FORECLOSURE AND CONTRACTS ARE ILLEGAL! 


THE XXXX XXXX XXXX OF NORTHERN DISTRICT OF GEORGIA ISD ALWAYS IN XXXX IN THEFT AND WRONGDOINGS! XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, TRUSTEE LAST NAME XXXX, FEDERAL JUDGES XXXX, XXXX, XXXX JUST CORRUPTED! THIS IS WHERE IS ALL STARTED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
WE WERE WRONGFULLY AND ILLEGALLY EVICTED ON XX/XX/XXXX, FROM OUR HOME LOCATED AT XXXX XXXX XXXX XXXX XXXX GA XXXX. PERSONS WHO WORK AS XXXX FOR XXXX XXXX, GEORGIA XXXX AND CORRUPT LAWFIRMS SUCH AS XXXX XXXX AND XXXX XXXX ARE STEALING MINORITIES HOMES AND NOW WE ARE HOMELESS. AS YOU ARE AWRE OUR CASE IS HUGE CONSISTING OF EXCESSIVE MORTGAGE FRAUD, BUT EVERYONE INCLUDING THE XXXX XXXX XXXX DEPARTMENT, XXXX, XXXX XXXX XXXX  AND OTHER ARE IGNORING THIS. WE KNOW IN THE LOCAL STATE, XXXX AND SUPERIOR COURT ALL OF THE JUDGES ARE PAID OFF TRUST AND BELIEVE THAT XXXX XXXX IN XXXX XXXX IS THE KEY XXXX, HE HAD ALLLLLL OF THE CORRUPT CASES IN HIS COURT ROOM ON XX/XX/XXXX, EVEN THE CORRUPT XXXX/LIARS WHO I FOUGHT WITH IN BANKRUPTCY COURT IN THE SAME COURT ROOM WITH THE SAME REAL ESATE XXXX ON VARIOUS CASE AND OF COURSE XXXX RULED IN ALL OF HTE XXXX/LIARS FAVOR. 

SINCE, EVERYONE IS SAYING WE NEVER HAD MORTGAGE FRAUD BECAUSE WE WE XXXX AND INCOMPENTENT THE FRAUD WAS IGNORED AND NOW PERSONS FROM XXXX WORKING FOR XXXX XXXX  AND ALL OF THE CORRUPT XXXX  AND XXXX/LIARS IN GEORGIA. BOTHE THE XXXX AND THE CORRUPT XXXX OF XXXX XXXX MUST VACATE THEIR OFFICES IMMEDIATELY. THE MORTGAGE FRAUD ON THESE HIGH END HOMES AS IT PERTAIN S TO MINORITIES IS SO SEVERE, AN ATTORNEY IDENTIFIED XXXX WITHIN THE XXXX XXXX, WHICH IS WEREW XXXX XXXX XXXX IS LOCATED HAS MORTGAGE FRAUD. I KNEW THIS IN XXXX AFTER WE WERE NOTIFIED AND I INVESTIGATED IT AND SUBMITTED VARIOUS DOCUMENTS TO DOJ. THE MAJORITIY OF THE FRAUDSTYERS WERE XXXX RESIDING WITIN THE SUBDIVISION. IT IS A MESSSS!!!! 

AGAIN, WE ARE HOMELESS : WE ARE REQUESTING THE ORIGINAL PROMISSORY NOTE FOR REAL PROPERTY : XXXX XXXX XXXX XXXX, XXXX GEORGIA XXXX THE FRAUSTERS INVOLVED SIGNED MULTIPLE NOTES, SOLD THE NOTE WE NEVER SIGNED, XXXX FORGED OUR SIGNATURES AND SEPERATED THE NOTE FORM THE MORTGAGE FOR US TO PAY UNTIL WE WERE NOTIFIED. 

UNDER FEDERAL CODE 12 U.S. Code 1431 - Powers and duties of banks BANKS CAN NOT LEND MONEY OR ASSSTS AND A REAL PROPERTY IS PAID VIA THE FEDERAL RESERVE BANK AND NO MORTGAGE SHOULD BE PAID. 

WITH THIS SAID SEND US THE ORGINAL PROMISSARY NOTE AND IT BETTER NOT HAVE BEEN CASHED BY ANYONE AS THE ABOVE REAL PROPERTY WAS PAID IN FULL ON XX/XX/XXXX! 

WE MEAN BUSINESS! WE ARE THE CREDITORS AND FORECLOSURE AND CONTRACTS ARE ILLEGAL! 


THE XXXX XXXX XXXX OF NORTHERN DISTRICT OF GEORGIA ISD ALWAYS IN VOLVED IN THEFT AND WRONGDOINGS! XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX JUST CORRUPTED! THIS IS WHERE IS ALL STARTED!

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