vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
Inaccurate and Incomplete Credit Reporting Request for Removal of Specific Accounts I am filing this complaint due to ongoing inaccuracies and inconsistencies in my credit reports across the three major credit reporting agencies ( XXXX, Experian, and XXXX ). I have submitted multiple disputes regarding these issues, and although the agencies claim to have conducted investigations, they have not made any corrections. 

My reports contain discrepancies, with different accounts appearing on each one, and many errors still present despite my efforts to have them corrected. I even took legal action to obtain a court order and the title for my vehicle, which is fully paid off, yet the loan still shows up as unpaid on my credit report. 

Due to the failure of the credit reporting agencies to conduct a proper investigation, I demand the immediate removal of the following inaccurate accounts from my reports : 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  The agencies ' failure to correct these errors and discrepancies has had a significant negative impact on my financial well-being. I request immediate action from the CFPB to hold the credit reporting agencies accountable and ensure that these inaccuracies are removed. 

Thank you for your attention to this matter.

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 2024-10-22 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: NC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$9600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$510.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE. 

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE XXXX  PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ). 

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE XXXX AND XXXX XXXX BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND 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 2024-10-22 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE.

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE XXXX PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ). 

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE EQUIFAX AND XXXX XXXX BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE.

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE XXXX PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ).

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE XXXX AND XXXX XXXX BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND XXXX XXXXXXXX.

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 2024-10-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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:
This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were random discrepancies. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The inaccurate accounts remained. Im pleading for the documents Ive sent to be reviewed thoroughly so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
I am filing this complaint regarding the non-compliance of XXXX, Equifax, and XXXX with federal opt-out and privacy notice requirements under 12 CFR 1016 ( Regulation P ) and 15 U.S.C. 6802. These agencies have failed to provide me with the necessary privacy notices and reasonable opt-out methods, and as a result, my nonpublic personal information has been improperly shared with third parties without my consent. 

Specifically : -I did not receive clear, conspicuous privacy notices that outlined how my personal information would be shared with non-affiliated third parties. 
-No reasonable means to opt-out of such data sharing was provided, either through an online form, phone number, or any other method. 
-I discovered that my personal information was disclosed to third-party companies, as evidenced by unsolicited offers and inquiries on my credit report, without my explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
I am filing this complaint regarding the non-compliance of Experian, XXXX, and XXXX with federal opt-out and privacy notice requirements under 12 CFR 1016 ( Regulation P ) and 15 U.S.C. 6802. These agencies have failed to provide me with the necessary privacy notices and reasonable opt-out methods, and as a result, my nonpublic personal information has been improperly shared with third parties without my consent. 

Specifically : -I did not receive clear, conspicuous privacy notices that outlined how my personal information would be shared with non-affiliated third parties. 
-No reasonable means to opt-out of such data sharing was provided, either through an online form, phone number, or any other method. 
-I discovered that my personal information was disclosed to third-party companies, as evidenced by unsolicited offers and inquiries on my credit report, without my explicit consent.

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 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MI

Complaint narrative:
AS STATED I WAS IN MICHIGAN WELL BEFORE THIS DATE. Attached is the lease agreement starting on XX/XX/year>. I WAS IN XXXX XXXX XXXX  WELL BEFORE THIS DATE. This is not my debt as Ive stated MULTIPLE TIMES

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 2024-10-22 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:
My accounts with these companies were 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 in ( MONTHS REPORTING LATE ) 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.

These companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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:
My accounts with these companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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.

These companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
My roommate and I paid to break our lease from our former apartment in XX/XX/year> ( we have confirmation of all of this ). The apartment claims that there was a glitch in the system that caused us to receive a final statement of {$3800.00} that still included this fee and the last months rent on it that we had already paid. They were extremely unresponsive ( we have proof of all the times we reached out ) but they told us it would be resolved since we paid it already. In XXXXXXXX XXXX XXXX my roommate received a letter stating we owed the debt from our final statement to the company that I am filing this complaint against. We sent them the proof that we paid it and they said that they couldn't prove that that payment was for the debt and that our apartment had to reach out to them or our credit score would suffer. As I stated before, our apartment complex is extremely unresponsive and would not answer them or us. My roommate and I sent the collection agency an email stating that we would not be paying the debt back as it was false and it was past the time frame that the collection agency has to prove that we actually owed the debt. They then put it onto both my credit score and my roommates credit score, dropping the scores that we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
Pursuant to 15 U.S.C. 1611, I request that Equifax : Immediately correct the disputed information. Delete the inaccurate information from my consumer report.

Provide me with a corrected copy of my consumer report. Notify all recipients of my report within the last 2 years of the correction. Fair Credit Reporting Act ( FCRA ) Compliance : I assert my rights under the FCRA, specifically:15 U.S.C. 1611 : Duty to correct inaccurate information.15 U.S.C . 1681i : Procedure for dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Hi, my private student loan should have never been approved by XXXX XXXX XXXX. It them got transferred to AMERICAN EDUCATION SERVICES ( AES ) and XXXX who did the most damage 10 years ago by pushing me towards forbearance and not explaining better options like paying what I could afford etc. Instead my student loans have INCREASED by over XXXX even though I have been paying XXXX XXXX dollars monthly for years and years and years. This is predatory. 

I took these loans out in XXXX  : Current amount owed- {$27000.00} Original loan- {$17000.00} Current amount owed- {$13000.00} Original amount- {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
shermeta law group XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX this company took over a debt owed by a third party collector for XXXX XXXXXXXX in the amount of roughly XXXX $ and is a 15 year old debt but continues to re file judgements renewals for a debt they do not contact me about and or had i known of, however they have a XXXX $ with XXXX XXXX that doesnt affect me and calling them would simply probably either get me a huge bill and fees or a pennies settlement that may come up oh my credit reporting as current and the clock may start over for my great credit i want to report that these companies file XXXX $ renewal judgements continuously on a XXXX $ debt thats 15 years old but is ridiculous that they get approved XXXX XXXXXXXX approved me 6 years after a debt was outstanding and have continued to approve me but the renewal status flagged my perfect payment history now as possible delinquent and capital one has not only closed XXXX of my cards 15 years later but reduced limits to nothing on the other due to XXXX $ renewal judgements and a XXXX $ debt these law firms and pllc groups ( which has since closed ) can not get away with these crumb lawsuits and hurt credit specially after statues have long been over and the amount of debt does not justify the renewal or the continued judgments bXXXX XXXX XXXX XXXX XXXX XXXX companies XXXX $ debt 15 years passed and they are continuing to fight a credit card that was charged off and charged on an authorized user card none the less

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I asked for a debt validation letter to prove if the debt was purchased by NCB from the original creditor and they were legally able to collect on said debt. Also I asked for proof with my wet signature the validity of the debt that they are currently reporting negatively on my credit report as if I had a contract or legal obligation to them. I have yet to receive this validation. They continue to falsely report inaccurate information on my credit profile monthly in an attempt to collect on an unvalidated debt. Violating ( FCRA ) 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
I filed my taxes and used my chime bank account because it was already on file with XXXX XXXX  for the prior year. After not receiving my taxes I called the bank to see where they might be and was notified on how my account was closed without reason before I filed my taxes. I checked with the IRS they said my taxes were sent to this account and still currently trying to contact the bank to trace my funds which theyve been unsuccessful at doing. I was hung up on by man representatives from this company while looking for my funds and they constantly say they havent received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: WI

Complaint narrative:
On or about XX/XX/year> I spoke with a representative at Transunion about some Identity Theft on my credit report. I asked that these items be removed/deleted immediately. I was told that I have to file a complaint with the FTC and CFPB. The items in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation