vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have my mortgage payment set up to pay automatically from my bank on the first of each month ( when its due ). Last XX/XX/2022 after my payment was sent on time, I later got a check in the mail from Freedom Mortgage with no correspondence or any other information. I supposed it could be an XXXX refund. Next after my XXXX payment I received a notice my XXXX payment was late. I disputed this both with the bank and the credit agencies. For the next 4 months each of my on time payments went to the previous month continuing to show I was late. I finally had to make a double payment in one month to correct it, but they had reported me late 5 times because of their mistake, I am current and still have my payment deducted from my bank each month. This has hurt me credit score and my current ability to refinance due to no fault of my own and I need this corrected! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: WY

Complaint narrative:
My 2nd invoice with a new business I own was not allowed to process by XXXX for {$80000.00} due to the size of the transaction. XXXX has sense claimed I owe payment processing charges for the {$80000.00}. I have proof that this amount was never paid to me and therefore no payment processing fees would have be incurred. This incident happened on XX/XX/22. The company in question is XXXX XXXX XXXX XXXX. XXXX has filed the collection against the business name of XXXX XXXX. I own no businesses by this name and have no clue who this is. The charges XXXX is trying to impose is wrong and immoral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX got a notification from myFICO app that there was a new credit inquiry on my report from signature federal credit union from XX/XX/2023. I did not give them permission to run my credit nor have I had contact with this institution in over 3 years and they had no reason or right to be running my credit. It is a fraudulent act. 
I called the credit union to only be put on hold and call was never answered, I also left a message but did not receive a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: ME

Complaint narrative:
I am writing to request that Honda Financial Services immediately cease sharing my personal and financial information with credit reporting agencies. I have reviewed my credit reports and have noticed that information pertaining to my account ( # XXXX ) with Honda has been reported to credit reporting agencies. 

I understand that Honda may have a permissible purpose for accessing and sharing my credit information for certain purposes, such as extending credit or collecting on a debt. However, I do not believe that Honda has a permissible purpose for sharing my information with credit reporting agencies at this time. 

Therefore, I request that you immediately cease all sharing of my personal and financial information with credit reporting agencies, as allowed under the Fair Credit Reporting Act ( FCRA ). Additionally, if any negative information related to my Honda account has already been reported to the credit reporting agencies, I request that you correct the information to reflect that the account has been paid as agreed or otherwise XXXX  it out. 

Thank you for your prompt attention to this matter. I expect a response from you within the time period required by law. 

Sincerely, XXXX XXXX, a natural person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XXXX {$340.00} XX/XX/XXXX {$440.00} XXXX XX/XX/XXXX Called way back in XXXX of XXXX to report these charges were fraud and not recognized on my account. Filled out dispuite forms sent them in and waited months and months to here from someone despite calling several times. I was not in possession of my aspire card at the time of the transactions I called and reported these I received a bill in XXXX that had a credit balance of {$1100.00} on XX/XX/XXXX XXXX statement had a balance of XXXX cents this after several charges went through. I get my XXXX statement and the balance is {$780.00} I called in to see what these charges were since everything had cleared my account in XXXX and I had no balance and hadent used the card. I was told several different things non of which is correct. Aspire has added on late fees and interest charges to this balance that is not oqrd to them. When I called in asking why these charges were back on my account I got a nasty person who stated they were not going to be removing these charges cause I had logged into aspire platform for the previous three months when I tried to explain to her that the charges weren't on the XXXX or XXXX statement and that when I saw them on XXXX Imiditely called them she refused to listen to me they coled my account out cause I refused to pay for bogus charges. And reported this to the credit buro I want my account reopened charges removed and report as current to the credit burro. I reported these charges in a timely manor and recived little to no help from aspire card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CA

Complaint narrative:
re : credit debt collector LJ Ross Acct # XXXX DTE Document # / Case XXXX Received billing from LJ Ross collection agency regarding DTE energy bill for utilities used at XXXX XXXX XXXX XXXX XXXX. I have never lived at that address or know anybody from that location.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
IDENTY Theft Report Attached The following inquiries are fraudulent on my equifax credit report Equifax Fraudulent Inquiries XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) by your credit bureau. I have recently reviewed my credit report and have noticed that there are accounts that should have been removed, but are still present on my report. Furthermore, the collection company responsible for these accounts has specifically asked for them to be removed, yet they remain on my report. 

According to the FCRA, credit reporting agencies have a responsibility to ensure that the information they report is accurate and up-to-date. In this case, the accounts in question should have been removed due to the request of the collection company. The failure to do so constitutes a violation of the FCRA. 

I have taken steps to dispute the information with your credit bureau, including providing documentation to support my claim. However, I have not received any response or indication that any action has been taken to correct this error. 

I strongly urge you to investigate this matter and take the necessary steps to remove the accounts in question from my credit report. Failure to do so may result in further action on my part, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX accounts XXXX XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX I found out my personal information was stolen, items stolen were state identification, passport, computer, phone social security card, bank card, insurance cards and more. I filled a report with the XXXX Police Dept. I am having hardship with renting, leasing, opting credit and other accounts using my personal identification.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with 2 fraudulent accounts and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MD

Complaint narrative:
I had a credit card with US Bank that was not used. I received a statement in the mail for an annual fee I was unaware of. However, by the time I received the statement the annual fee was two months late. I called US Bank and closed the account. The representative told me there was nothing she could do about the late payment reporting to the credit bureaus. If this was a card I used, I would have paid it in full monthly like the other cards I have. However, since I don't use the card and did not receive statements, I had no way of knowing an annual fee had been charged to me and that the annual fee was treated by US Bank like a charge I made on the card and therefore since payments that were apparently due but I was unaware of were not made, they reported a 30 day and a 60 day lateness to the credit bureaus. I called in and closed the account on XX/XX/23 and was told fees would be reversed and are not due. However MUCH more importantly is that I need the late reporting to the credit bureaus reversed. I am XXXX XXXX XXXX and have never had a late reporting even once and I have high XXXX credit scores. It has been important to me to maintain excellent credit my entire life and I think US Bank needs to reverse their late payment reporting. Account number XXXX XXXX XXXX XXXX Thank you!

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SAN DIEGO COUNTY CREDIT UNION
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX was reporting a bill that was not mine. XXXX took out insurance on my car without my consent. My car already had insurance. I contacted my insurance company XXXX. XXXX contacted XXXX XXXX XXXX XXXX Department and had them correct their mistake on XX/XX/23. I got the official letter in the mail from XXXX stating that bill was removed from my account. I want to make sure that my credit is fix because it went from a XXXX to a XXXX because of XXXX  error. I want my credit return to its XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXBalance : {$2400.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX 54661605****Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my XXXX XXXX. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. 

Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX  Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. 

I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your name and contact information ]

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DISCOVERBANK Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 3 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2000 XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX I am deeply disturbed by how XXXX XXXX, XXXX, and Equifax have violated my rights and continue to do so without care. Who is going to govern them?

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

Company response to consumer: Closed with explanation