vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: MA

Complaint narrative:
I have disputed this information with Experian and they have not removed the unverified and unauthorized inquiries from my credit report. 

I REVIEWED MY credit report and see there are some unauthorized inquiries reported that needs to be removed. According to the FCRA section 611 ( 15 USC 1681i ) these unverified and unauthorized items must be removed immediately. Under 15 USB 1681b credit reporting agencies can only furnish consumer reports to those who have permissible purpose as defined by the FCRA. This is considered identity theft accessing my credit report without my consent. I am using CFPB to ensure compliance with consumer reporting and attaching my FTC 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 2024-10-07 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 TRANSUNION 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 to be updated.

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

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


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

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


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


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 2024-10-07 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 EXPERIAN 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 to be updated.

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

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


XXXX EXPERIAN 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX A XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX PA, XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXI also noticed that my name appears to be misspelled on my credit report XXXX My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX. CAR XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. Restaurant XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you 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
Consumer complaint received 2024-10-07 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:
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.

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 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 non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
I contacted Mohela on XXXX They said that it should be resolved by XX/XX/XXXX. 
I recieved statements and expected full payment again. 
Called back on XX/XX/XXXX Spoke with a representative and a supervisor that stated that their systems error messed up and they don't have a timeline to fix this. In the meantime I have been put on forebearance for 2 months with no resoultion. My IDR plan is not active which means neither is my PSLF. All the months are not qualified under standard based repayments and this error is causing me to not have my loans forgiven by XX/XX/XXXX like intended. This is a big problem as before the pause and switch everything was up to date as it should be and I was doing my part. This is messing with people 's lives and its not ok. I can not afford a standard payment and never could and my loan servicer is not prioritizing fixing their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
XX/XX/year> I sent XXXX XXXX a zelle payment for {$150.00} for a flooring project where he had sent me photos of floor he claimed to have purchased. This was done through XXXX XXXX  app using zelle. XXXX is not not responded and has appeared to have blocked me and maybe even closed his zelle account. This is fraud/scam/theft and Zelle and/or XXXX do not want to help support recovery. They are knowingly allowing fraudulent activity on their platforms with no protection for their customers. XXXX company is XXXX XXXX XXXX XXXX and is a registered company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: OK

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
The refi transaction closed using UWM Trac plus and virtual closing with my loan officer broker that was completed on XX/XX/XXXX. There was an error on the CD that was corrected at closing however XXXX XXXX did not fund the loan as this correction wasn't relayed to them causing a shortagein the funds to be collected from the borrower. After many repeated attempts to have someone at UWM correct this, it failed to get done. With no access to communicate with XXXX XXXX this loan took over XXXX weeks to get funded and hence, the lender being paid off then charged numerous late fees and still has not been paid or released the current mortgage lien so that UWMcan obtain first lien position.This has put me in the position where I show being 2 months behind on my mortgage with XXXX in the amount of {$2500.00} and I show having a mortgage payment due with UWM. Lakeview has reported me 30 days late due to UWM failure to complete the request of the payoff quotes submitted to them. There has been a total of 4 different payoff quotes submitted to UWM, due to payment being received after the expiration date of the first payoff of XX/XX/XXXX in the amount of {$150000.00}. Due to the payment not being received until XX/XX/XXXX there was an updated payoff request sent by XXXX XXXX in the amount {$1400.00} that was good until XX/XX/XXXX, due to the needed funds for the short fall not being received and XXXX not commutating how they will handle the short fall the funds that were sent to XXXX XXXX in the amount of {$150000.00} was returned by XXXX. My loan XXXX and I have been commutating with XXXX XXXX XXXX Account XXXX, at first he was responsive and ensured the problem would be resolved. There were 2 up to date payoff sent to UWM that have now since expired, I was told that it was being taken care of on XX/XX/XXXX but there is still no funds on file with XXXX and both of the last XXXX payoffs have expired and I am not getting an response from UWM regarding this matter. I now show having 2 mortgages and making payments on the mortgage that is suppose to be closed to try avoid losing my home but it makes my unable to pay what is suppose my current mortgage with UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: NJ

Complaint narrative:
The information they provide it concluded that the debt was not mine, there was no actual signature, on the document provided, they were very rude on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. When I discovered this theft I filed a police report and investigated my various credit reports. Upon review, I found an account at Capital One that was not opened by me or with my knowledge or consent. I disputed this account directly with the credit bureaus and it was removed from my report, however, about a month later it returned to my credit report and I was told that the creditor suggested that this account was mine and to have it remain on my file. This is not the case. I understand that payments were made on this card but these payments were not made by me. It is my understanding that this card was opened online and sent to an address that was deemed fraudulent. Police report is attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  I contacted National Credit Systems to challenge a account they have on file for a balance XXXXXXXX This account comes from a company that I used to work for where i was given the opportunity to live on property at a discounted rate. This account is fraudulent and violates law 15 U.S.C 1681. On XX/XX/XXXXXXXX XXXX XXXX  my employment was terminated and i was told I had 7 days to vacate the premises. Once my employment lease was terminated management never sent me a new lease to sign a contract stating that I would pay them the full amount rent. I never received any eviction notices about this issue or anything. The lease that was provided to me by the XXXX XXXX XXXX XXXX XXXXXXXX was never signed nor did it have the a signed copy from both parties of the Management Associate Addemdum to the lease Agreement. I have forwarded all the documents to this account showing that it is fraudulent. I never signed a new contract guaranteeing that I would the Management company after i was terminated. The company has only sent me a copy of the move out statement as a validation for debt and did not include a copy of the lease agreement. The move out statement is invalid and is loaded with extra charges and fees. I would like this situation investigated immediately and i would like for this account to be deleted. This account is hindering from gaining better employment and housing. I was just denied a higher paying job because of this false information thats being published for the public. I have enclosed all my documents to National Credit Systems and i would ask if your department assist me so i can have this fraudulent account removed from my credit report

Company response to consumer: Closed with explanation