vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — VA 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: Mortgage Research Center, LLC

Complaint narrative:
The property was Listed for short sale. A contract for purchase and sale was executed between buyer and seller with approval of a Listing Agent, Buyer 's Agent, their brokers, and the homeowner 's foreclosure defense attorney. Authorization documents, along with the initial offer package was submitted. At that time a workout package was requested, which was to include a demand for any hardship documentation from the homeowner. However, a senior level mitigator responded back rejecting the homeowner 's foreclosure defense attorney and the buyer 's agent Authorization To Release documents after all parties designated those two individuals to work together on behalf of the buyer and seller, siting company policy, not because the documents were incomplete or filled out incorrectly. The mitigator stated they would only work with the listing agent. That was the only reason given. That mitigator also copied the listing agent on the communication, which violated the Cease & Desist, Homeowner Do Not Contact, and Realtor Do Not Contact documents submitted by the attorney. We can find nothing from the XXXX XXXX XXXX, XXXX and in legal statute that gives the lenders servicer the right to make this demand. They however have a legal responsibility to try and negotiate a default workout resolution with the parties, and the parties have a legal right to appoint their chosen legal representatives. A servicer should not have the right to make that demand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Consistent calls every day over the past few years. I've tried to resolve this in the past and it continues. I've had to resort to paying for a call screening service to filter out their calls. I have no unpaid bills, and I don't know how to see if they've hit my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
After reviewing my credit report on XX/XX/XXXX I notice there are a serval accounts reporting inaccurate information in violation of my consumer rights 15 USC 1681 ( e ) B. The following accounts and inquiries are reporting that I didn't not authorize or never did business with. The accounts are reporting different open dates, I am one human I can not open the same exact accounts with matching account numbers on different dates. The following accounts are as followed : XXXX {$580.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX shows no balance but its reporting negative currently date reporting XX/XX/XXXX XXXX XXXX {$1400.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX  {$870.00} date reporting XX/XX/XXXX and XX/XX/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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
I had an auto loan with Honda Financial from XX/XX/XXXX through XX/XX/XXXX. However it showed with credit bureaus at the beginning. During the year of XXXX credit report was checked and discovered it was no longer reporting. Contact Honda and was told my account was suppressed due to the XXXX pandemic without my knowledge at all and what criteria was taking in place to suppress this account. They dont know why, just that the company didnt wont to report negative information. The 72 months I paid wasnt behind at all and wasnt in a status to be behind nor did I called to tell them the notes couldnt be paid. I kept calling to check again and was told when the car is paid out it will reflect on report. Again, it wasnt on report and it has been paid out XX/XX/XXXX. My credit was ran to obtain a loan and that loan should be placed with the credit bureaus with my rating key showing how I was paying. To no avail Honda is corporating stating they cant provide my trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I pre-paid for an appointment at a dentist to have work done {$6200.00} around XXXX. On XXXX XXXX, I was prescribed some type of medication for anxiety. I took this medication an hour before I went into the dentist on the seventh. I do Not remember going into the dentist as soon as I got there I guess they had me go out back and I was put under sedation. I woke up on the XXXX  and I barely remember the XXXX. They told me my ride signed for my credit card. How is this even possible. This is about the full Amount on the XXXX. I have been refunded for services not rendered just dont want that to be confused with XXXX should be completely refunded in full due to being incapacitated. I do have medical logs if needed. I gave the credit card company all the information and its been over XXXX  days and they keep on just closing the Dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I opened an Virtual Wallet with XXXX XXXX account on or about XX/XX/year> under a {$XXXX} promotion. All the promotional terms ( proof of direct deposit on my statement are attached ) were met and the {$XXXX} promotional bonus was due by XX/XX/year>. My account has not been credited and the funds owed are past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN

Complaint narrative:
Complaint submitted on XX/XX/2023, # XXXX. The company 's response clearly shows Credit Bureau System Inc. has reported harmful misinformation. XXXX XXXX XXXX, a female person, is repeatedly stated as XXXX XXXX. Given status is closed. Credit Bureau System Inc. replied, giving the wrong gender/wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to EXPERIAN in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. 

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
ON XX/XX/year> I SUBMITTED PROOF THAT " XXXX '' WAS AN OPENED ACCOUNT BEING REPORTED WITHOUT MY PERMISSION. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER 15 USC 1681. THE ACCOUNTS WERE DELETED BUT THEN REINSERTED AFTER AN INVESTIGATION. I WASNT GIVEN ANYTHING TO REFUTE MY CLAIM .THEY ARE IN WILLFUL VIOLATION AS THIS IS NOT AN ACCOUNT I AUTHORIZED OR GAVE PERMISSION FOR AND WILL PURSUE LITIGATION FOR WILLFUL NON COMPLIANCE AND AIDING IN IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I had these XXXX accounts removed from my credit report in XX/XX/year> and they showed back up on my credit report as a collections account in XX/XX/year>, I contacted XXXX and requested specific information to be sent to me, they sent me a copy of a credit card statement, that is not what I asked for, I sent them a letter via certified mail requesting specific information to be sent to me. I have heard absolutely nothing back. These are fraudulent. XXXX accounts I want removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo receive an order from XXXX XXXX XXXX XXXX XXXX XXXX account for XXXXXXXX XXXX XXXX XXXX XXXX  I am the XXXXXXXX XXXX XXXX on the Account. I transferred {$20.00} into the account on XX/XX/XXXX. The levy was received on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Wells Fargo processed and enforced the order as if XXXX is a Massachusetts resident refusing to account for the state of Arizona exemptions and protections. I spoke with a representative on XX/XX/XXXX and informed her that they previously sent an order and it was processed correctly but this time they have illegally processed it and she stated it is because the order is from Massachusetts so it is how its processed. I informed her that Arizona exempts the first {$300.00} in the account and Wells Fargo legal team should be fully aware of this and she stated that she spoke with her supervisor and couldnt speak with me about the order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
Phone was hacked, XXXX hard inquires on credit reports XXXX XXXX issued card and has since canceled, others have not issued, but credit reporting agencies said need to file identity theft report with FTC and send them copy with DL, I have put freeze on reporting agencies not to issue anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I have sent a certified Cease & Desist letter to Caine & Weiner. I have attached letter and certified stamp. Please provide the requested items stated in the letter. Also, Please be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
To whom it may concern, This letter is a formal that you are reporting inaccurate and incomplete credit information on my TransUnion Credit report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following be validated or DELETED immediately : XXXX. XXXX XXXX XXXX Under the law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, 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 2024-11-12 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: MI

Complaint narrative:
Experian, XXXX, and XXXX will only " look Into the problem if I pay each a {$590.00} credit monitoring fee. I have been XXXX since XXXX, all three agencies have taken full advantage of my XXXX. I have reported numerous times that the XXXX accounts which report derogatory information about me are results of identity theft. 

The social security number listed on my Experian report is incorrect. I have never lived at my XXXX 's address at XXXX XXXX XXXX XXXX XXXX Yet, all three agencies report that I do. 

In early XXXX, I started a loan savings program with XXXX XXXX XXXX for {$1000.00}. I did this intentionally to save money for my husband 's birthday gift and to build credit. I explained that my plan was to pay it off in XX/XX/XXXX, the agent who typed my application agreed that it was a good plan. It was actually a baited plan. 

I paid {$87.00} each month via ACH Transactions. I deposited the final monies in XX/XX/XXXX. I withdrew the funds. XXXX XXXX XXXX is reporting that I opened a {$1000.00} line of credit. As a result my XXXX XXXX which I had been working so hard to build dropped by XXXX points. I disputed this information and was told that if I pay, it will all go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: OH

Complaint narrative:
Please view attachments. Please report correct information to consumer bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: OH

Complaint narrative:
Please view attachments. Please report correct information to consumer bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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 strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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