vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This morning, I noticed unauthorized inquiries on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a temporary glitch, but the unauthorized inquiries didn't go away. This issue has left me feeling extremely disappointed, and I request that the documents I've submitted be carefully reviewed so I can stop worrying about this.

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 2024-08-08 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: NY

Complaint narrative:
I discovered some unauthorized inquiries on my credit report this morning, and I'm at a loss as to why they're there. When I checked my report, as I regularly do, I was shocked to see discrepancies that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. This situation is deeply troubling, and I urgently request that the documents I've sent be thoroughly reviewed so I can finally stop worrying about this.

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 2024-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/year> I purchased a car from Honda of XXXX and signed a contract for XXXX XXXX financing. When I set up my account on their financing website it indicated XXXX XXXX financing so I reached out to the finance company who referred me to the dealer- they told me the dealer had to submit new paperwork to correct the error. I reached out to the dealer by telephone multiple time and was unsuccessful on getting a response so on XX/XX/XXXX I walked into the dealership and spoke to the General Manager XXXX XXXX. He told me we was aware of the situation and was working it out. He was going to have his new finance manage reach out to me with a solution. You see, the original finance manager XXXX XXXX did not get permission to give me a lower rate prior to doing so and after I left he changed the document and resubmitted it to the finance company ( finance company provided me with the second contract ). I was contacted by XXXX XXXX ( new finance manager ) as XXXX was fired, to come to an agreement on how to settle the matter. He provided me a copy of The Flat Cancel request Form that he signed on XX/XX/year> cancelling the agreement that XXXX filed. He indicated that because they couldn't submit the original contract at the XXXX XXXX as it wasn't approved they would refund me the difference in money that would be paid on the loan - taking it off the top of the note plus additional funds for the aggravation I was put through. I agreed with these terms and signed a new contract on XX/XX/year>. It is now XX/XX/XXXX, and while I have a new contract it is not reflected on the financial website. In fact it is showing a missed payment on the first loan as it has gone passed the due date. When I reached out on XX/XX/XXXX to the finance company to explain the issue she tried to reach the dealer but they did not answer, so she left them a message to return a call to me, they did not. I called again on the XXXX of XXXX and was promised a return call and did not receive one. I email the XXXX with no response. To say I am beyond frustrated can not express my feelings enough. I tried to do this the right way and now I don't know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm Inc had claimed to charge off/send to collections {$150.00} total balance. Using Affirms own XXXX XXXX XXXX, the company successfully defrauded myself and XXXX claiming the account was sent to collections. The account never left Affirm Inc, therefore a write off/charge off never took place. The account remained with the same organization in perpetuity. It has been paid in full and closed. I requested the verbiage to be changed on the tradeline, and XXXX has thus refused. Affirm Inc has made statements to this consumer through your portal proofing this fact. Whomever is responsible for resolving this dispute at XXXX is demonstrating actual malice by resolving disputes incorrectly, repeatedly. Please advise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, and I'm completely baffled by how they appeared. I routinely check my credit report, but this time there were unexpected discrepancies. I tried refreshing the page, thinking it might be a browser error, but the unauthorized inquiries were still there. I'm very upset and ask that my documents be carefully reviewed to prevent this from happening in the future.

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 2024-08-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was alarmed to discover unauthorized inquiries on my credit report this morning, and I have no explanation for their presence. As I routinely checked my credit report, I found discrepancies that seemingly appeared out of nowhere. After refreshing my browser to see if it was a technical issue, the unauthorized inquiries persisted. Because of this, Im requesting a thorough review of the documents Ive submitted so I can have peace of mind.

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 2024-08-08 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: TX

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: NJ

Complaint narrative:
I was horrified to see inaccurate accounts on my credit report this morning. I have no clue how this could have happened. I'm usually so careful when checking my credit report, but today, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a technical issue, but the errors remained. I'm really disturbed by this, and I'm requesting that the documents I've sent be reviewed thoroughly to prevent this from happening again.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX # XXXX violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 


I'm not liable for this debt XXXX # XXXX, I do not have a contract with XXXX XXXX XXXX. 
I'm not liable for this debt XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX I do not have a contract with 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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
DEAR CFPB REPRESENTATIVE collection : i am writing to file a formal complaint against XXXX for violating my rights under various federal law and regulations. specifically, I believe the agency has fail to comply with follow provision. Agency not yet provided validation information under 12cfr 1006.34 ( B ) ( 5 ), but yet they placed a collection on my consumer report, i have not yet been given a chance to dispute account according to 12CFR 1006.34 ( c ) ( 4 ) collection agency is violating my consumer rights by using false misleading and misrepresentation and deceptive means. collection agency has no authority to furnish any account to a consumer reporting agency without providing any all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( D ) and 15usc 1681 s & 15 USC 1681 A & 15 USC 1681E ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: TX

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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 2024-08-08 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: TX

Complaint narrative:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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 2024-08-08 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:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This morning, I was alarmed to see unauthorized inquiries on my credit report with no clear reason why. I check my credit report regularly, and this time I found discrepancies that caught me off guard. I tried refreshing the page, thinking it was a glitch, but the inquiries remained. This situation is incredibly distressing, and I request a thorough review of the documents Ive sent to prevent this from happening again.

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 2024-08-08 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: EQUIFAX, INC.
State: PR

Complaint narrative:
This account was opened on the following date : XX/XX/XXXX there are no on time payments form XX/XX/XXXX to XX/XX/XXXX this is inaccurate payment history reporting.The information regarding this account fails to report completely I do not see the monthly payment, terms, past due, date of last payment, date of the first delincuency and date closed being reported. Please provide the information or take this account off of my credit report : Equifax : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit management is suing me for an allege debt from 2019. I requested validation of alleged debt and received documents mentioned below :. 

Midland Credit Management mailed XXXX XXXX XXXX and Assignment which didn't mention account number nor amount of allege debt. The document ( Bill of Sale Assignment ) states that a master purchase and sale agreement was reached between bank, department XXXX XXXX bank and BUYER. 

Exhibit A to XXXX XXXX XXXX states " The individual accounts transferred are described in the final electronic file named " XXXX '' delivered by the bank to BUYER ( no mention of XXXX being the buyer ). 

XXXX also mailed statements for alleged debt with inaccurate interest amounts and billing cycles ( copies attached ). I printed a copy of my XX/XX/2019 credit report thru XXXX and the information is not the same as what Midland Credit is reporting ( Copies attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
Please check the documents I've sent as some of personal information is reporting inaccurately.

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