vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is my sworn personal statement that the below listed addresses, I never lived at these locations. Also, there is personal information that needs to be updated/made complete immediately. Pursuant to 15 USC 16813 ( b ), my personal information must be updated to reflect accurate information. ADD NAME : XXXX XXXX XXXX. DELETE NAME : XXXX XXXX. DELETE FORMER ADDRESSES LISTED INCLUDING : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 4863 XXXX XXXX, XXXX XXXX XXXX. ADD CORRECT CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX. ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX  Please see attached Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
The following accounts are not mine. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite being previous notified by a dispute ( XXXX XXXX XXXX XXXX ( XXXX... ) XXXX and XXXX ( Report Number : XXXX ( XXXX ) Experian willfully and knowingly violates FCRA 15 U.S.C 1681i ( A ) ( 4 ) and 15 U.S.C 1681e ( a ) ( b ), when the failed to " Modify or Delete '' the following account for " Inaccurate, incomplete, and outdated '' information contained in the report. Experian further violates by not ensuring that a " Reasonable procedure '' was used to verify the accuracy, completeness, current status of the account prior to sending the information to the XXXX XXXX " XXXX XXXX ''. 

The following information is provided as proof of the violations along with attachments. 
1. Address Identification Number Section : The account is reporting " Not Available '' in the " Address Identification Number '' section, which is inaccurate or incomplete.

2. Account History Section : The account history is reported as " No Data ( ND ), '' which is inaccurate and incomplete.

3. Date of StatuXXXX : The account is reporting " Date of XXXX XX/XX/XXXX, '' but the recent report was pulled in XX/XX/XXXX, indicating that the information is outdated and not reflective of the current status. 
XXXX. Date of First Delinquency : The account is missing the " Date of First Delinquency, '' which is essential for accurate reporting. 
XXXX. Closed Date : The account is missing the " Closed Date, '' which is necessary to reflect the current status of the account accurately. 
XXXX. Monthly Charge-Offs : The account is erroneously reporting monthly " CO '' ( charge- off ) entries. This ongoing reporting of charge-offs without resolution inaccurately portrays the account 's status and financial history. 

Not only does Experian continue to show a blatant disregard for complying with FCRA by providing " Accurate, Complete, and updated '' information, it further exasperates the situation by sending it to XXXX parties, and this information causes headaches, stress, and anxiety because of scores being dropped due to Experian non-compliance of correcting or deleting " Inaccurate, Incomplete, and outdated 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
The account in question is a Fidelity Credit Card. I have automatic payment on full balance due, debited to my bank account. However, the debit shown on my bank account is as follows : The debit description is VAGUE. It just shows this : ACH Withdrawal CARDMEMBER SERV WEB PYMT. 

XXXX, the service provider for Fidelity needs to update this notification to show it is from XXXX and WITH THE NAME OF the appropriate credit card account. 
A more appropriate debit description would be : ACH WITHDRAWAL, XXXX, FIDELITY CREDIT CARD. 
I warned XXXX via email on XX/XX/year> that I need a written confirmation that this will be done asap, if not I will be filing a complaint with Federal Banking regulators as potential fraud, as the description is vague. 
I got no reply. 

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My repeated efforts to correct the false, erroneous, and misleading entries on my consumer report have been unsuccessful. These incorrect records have significantly disrupted my life, causing substantial distress. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I requested that Comenity Capital Bank deposit my Rewards ( {$1300.00} ) into my XXXX Bank Account. I provided the XXXXXXXX XXXX  Account and Routing # 's and asked that the Comenity Rep read back to confirm. When I go on the Comenity website I can see the {$1300.00} was deducted from my Rewards total on XX/XX/XXXX but they have never been deposited into my Citizens bank Account. I have sent numerous requests via the Comenity Secure website and also have sent ( via USPS ) copies of my bank statements to the XXXX Ohio XXXX XXXX proving that the rewards aren't in my bank account. Comenity says they sent the rewards and XXXX states that they have not received them. I have requested a written copy of the XXXX ( XXXX XXXXXXXX XXXX ) transaction to make sure the Rewards were sent correctly. There is a dispute currently pending with with Comenity but its been almost 2 month since my original request. Any help that you can provide would be greatly appreciated ... XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no response, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: WI

Complaint narrative:
My account with XXXX XXXX XXXX XXXX. was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account 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. 

XXXX XXXXXXXX XXXX.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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the neccesary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me. I need them to remove the inaccurate accounts immediately. please remove the following fraudulent accounts : XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX account # XXXX date opened XXXX XXXX, XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXX XXXXXXXX XXXX  account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX date opened XX/XX/XXXXXXXX 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 2024-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: LA

Complaint narrative:
CFPB Complaint Against Westlake Financial Services Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Louisiana XXXX ] Company Name : Westlake Financial Services Complaint : Fair Credit Reporting Act ( FCRA ) Violation ( [ 15 USC 1681i ( a ) ( 1 ) ( A ) ] and [ 15 USC 1681i ( 5 ) ] ) Narrative : I am filing this complaint against you Westlake Financial Services for violating my rights under the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/XXXX ], I disputed information in my credit report regarding a [ Account # XXXX, XX/XX/XXXX, {$11000.00}, Auto Loan ] account with Westlake Financial Services. Specifically, I disputed this account. 

Under the FCRA, Westlake Financial Services was required to investigate my dispute and respond within 30 days of receiving it. However, I received a letter dated [ XX/XX/XXXX ] from Westlake Financial that did not address my dispute in a meaningful way. The letter requested 1099c and additional information or simply stated the information was accurate without providing any explanation. This constitutes a " stall letter '' which is a violation of the FCRA ( [ 15 USC 1681i ( a ) ( 1 ) ( A ) ] ). 
Furthermore, the FCRA requires that any information in my credit report be verified as accurate and up-to-date ( [ 15 USC 1681i ( 5 ) ] ). By failing to properly investigate my dispute, Westlake Financial Services is potentially violating this section of the FCRA as well. 
Request : I request that the CFPB investigate Westlake Financial Services for violating my rights under the FCRA. Specifically, I request that the CFPB : Require Westlake Financial Services to conduct a thorough investigation into my dispute and provide a response within the timeframe outlined in the FCRA. 
Ensure that any information in my credit report regarding this account is accurate and up-to-date. 
Take any other necessary action to ensure my rights under the FCRA are protected. 
Supporting Documents : See attachment Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, La. 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
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
There have been many issues with this loan I've been trying to work through with 4 servicers since COVID-19 Pandemic. Problems existed with the original loan modification and remain unresolved, which is why I sought 3rd Party loss-mitigation with XXXX XXXX in XXXX. And for obvious ( financial incentives ), the present servicer is pushing another loan modification as their solution to a problem that wouldn't exist, and my loan number would be in good standing had they not violated my rights during a loan transfer that was in loss-mitigation the entire duration of Mr. Cooper 's announced acquisition of XXXX in XX/XX/XXXX- XX/XX/XXXX when they finally sent notice of the acquisition and transfer. 

Up until that point, XXXX XXXX had initiated communications in XXXX XXXX that went non-responsive and as consequence, cancelled my grant award of up to {$50000.00} XX/XX/XXXX because the servicers would not respond to their numerous attempts to execute my award to bring my loan current and in good standing. 

After pleading with HAF to try one more time ( with the newly obtained information ) from Mr. Cooper XXXX, XXXX XXXX paid Mr. Cooper at or about {$22000.00} in XX/XX/XXXX that brought my loan current, but because of the excessive delays, XXXX XXXX requires that I reapply for the monthly payments or {$28000.00} balance of the original {$50000.00} award. Further, I did not find out that XXXX XXXX rescinded the monthly payment portion until Mr. Cooper noticed me that I was 90 days past due on my monthly notes. 

XXXX XXXX is now telling me that they can not do anything until Mr. Cooper produces a foreclosure date. 

I am trying to get Mr. Cooper to communicate with XXXX XXXX and straighten this matter out without my property going into foreclosure. I have had this property for 24 years, this original mortgage for 23 years and I do not intend to lose over {$400000.00} in equity over Mr. Cooper and XXXX incompetence and or negligent loan transfer processes. Particularly when there are specific laws that governs notification timelines when mortgage loans are transferred to a new servicer is found in the RESPA Servicing Rule, which is part of Regulation X ( XXXX XXXX XXXX ). 

The original loan number and the new altered loan number can be found in the attached correspondence with Mr. Cooper and XXXX XXXX. 

Please see the attached documents for present communications between XXXX XXXX and me regarding the issue. The responses are non-responsive and after XXXX attempts at inquiry, I feel my efforts have been exhausted at reaching a good-faith remedy. The order of the files are listed in chronicle order : : XXXX. ) XXXX XXXX. ) XXXX XXXX. ) XXXX Thank you for any help you can afford this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX XXXX CARD. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
There was a problem with a service I received from a local doctor 's office. I disputed the charge with Bank of America at or around XX/XX/XXXX. My dispute has not been processed, now 5 months later. I am still waiting to be refunded the dispute amount which is {$260.00}. I have called Bank Of America several times over the past several months and spoken to several different people to try to see what is happening. All I get are excuses and explanations for mistakes they have made. The dispute is still not resolved. I'm very frustrated because I feel I've been more than patient with them but they are TAKING TOO LONG to give me the {$260.00} back. Can you please help me?

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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