vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: ME

Complaint narrative:
On XX/XX/year>, I called XXXX XXXX to pay my balance off, in full, at approximately XXXX EST. I was connected to a customer service rep, named, XXXX. I informed, XXXX, that I wanted to pay off my balance in full, and close my account, because of XXXX 's deceptive, and dirty business tactics. After the conversation seemingly going around in circles, I asked, XXXX, to just give me the number that I needed to pay, in order to bring the balance to XXXX. XXXX, then informed me that I would need to pay {$740.00}, in order to pay off my account, in full. I then proceeded with paying that amount, and I was then given a confirmation # XXXX, after the payment was confirmed. I then asked, XXXX, too send me an email, showing that my account was paid in full. However, I was told that XXXX Customer Service Reps, don't have that ability to send external emails. After informing, XXXX, again, that I wanted to now close my account. And, we proceeded to do so. After confirming that the account was now closed, I told, XXXX, since I knew that the call was being recorded, I wanted her to confirm that my account was at a XXXX balance, and was now closed ; her response was, " yes ''. I informed, XXXX, that I will NEVER do business with XXXX again, because my credit rating was XXXX, before opening my three accounts with them. And, because of their deceptive and dirty business tactics, my score was at XXXX at the end of XXXX, even though I've never missed a payment on ANY of my accounts. 

So, fast forward to XX/XX/year>. I received an email from XXXX XXXX, showing that I have a {$24.00} payment due, on XX/XX/year>! 
I immediately called their customer service, and was connected to, XXXX. I informed, XXXX, that I had paid my account, in full, on XX/XX/year>. After looking into why I received that charge, XXXX, in formed me that it was an overlap, because I paid the balance off on XX/XX/XXXX, and the next billing statement came out on the XXXX. XXXX, then assured me that she would remove that charge, and I owe nothing. 

Now, fast forward to today. I checked my Experian account, and found that XXXX XXXX reported that my account was closed, with a balance of {$24.00}! You can't make this XXXX up, when it comes to XXXX! 

I paid my balance off in full, and closed my account, solely for the fact that I felt I had to do something, in order too mitigate the ongoing damage XXXX was doing to my credit score, because of their deceptive and dirty business tactics. And, yet ... .... here we are! 

People need to be aware that XXXX is a deceptive lender. And, they should be shut down by the government, because of the damage that they do to consumers.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NJ

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. 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 Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXisted below are the Public Records that are being challenged Federal - XXXX Listed below are the XXXX that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( 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 2024-07-11 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: LA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XX/XX/XXXXaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
XXXXm receiving junk mail from Sun Loans coming from XXXX XXXX Missouri. I have asked this business numerous times to stop sending me junk mail since XXXX of this year. They continue to do so. My address is registered under Opt Out for pre screened offers and this is the only company that is continuing to send me junk in the mail and not obeying the laws. I want them to seize of sending me junk in the mail. Im tired of contacting them repeatedly. I will not ever do business with them so sending me these notices will not change my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I purchased a XXXX XXXX from Aqua Finance on XX/XX/XXXX. I was misinformed and misled regarding payment by a Representative who first came to my home. Then, an installer came to my home while I was at work. He installed the product and left paperwork with my underage XXXX at the time. When I returned from work and read the papers, I found out my quote of XXXX XXXX monthly wasn't accurate. The paperwork stated it was XXXX XXXX monthly. I hadn't signed this paperwork and didn't agree. I called the company the next morning and explained this wasn't what my agreement was and if the payment was $ XXXX to pick it up. I was told they couldn't pick it up and if I didn't make the payment they could put a lien on my home. I tried reasoning with the company. I felt bullied. I did pay on the product for XXXX yrs I believe. Although it was a struggle, and I was a single mother of XXXX. At some point I just couldn't afford it anymore and stopped paying. Changed my banking info etc because they refused to work with me. Currently I'm in the pending process of selling my home and my XXXX XXXX and Representee ( XXXX XXXX XXXX stated this company Aqua Finance put a lien on my home. Until the XXXX is cleared, I'm unable to sell. XXXX and I both have reached out to the company. I spoke with XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, regarding my Account with them. Who is forwarding information to someone else. I was told I could expect a call and there wasn't anything he was able to do. My XXXX XXXX found online there is a class action lawsuit against them from this XXXX regarding these types of situations being a part of the lawsuit. I need them to clear the XXXX of my home and show a XXXX balance so I'm able to move forward. I have asked my XXXX company if I should pay them off and then go back to pursue my own judgement with this? She isn't able to answer these questions but suggested I add my information to this lawsuit. If there's any possible way, I could please get help. THank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: VA

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) was 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-11 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: VA

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) was 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-11 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: AS

Complaint narrative:
I noticed several inaccuracies on my account after reviewing a copy of my credit report. This account is hurting my ability to obtain credit. I understand you will investigate these items for me to ensure their accuracy. I request that you examine and verify the following items in the account below as accurate. 

Account Name : XXXX Account NumbeXXXX : 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 2024-07-11 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: AS

Complaint narrative:
I noticed several inaccuracies on my account after reviewing a copy of my credit report. This account is hurting my ability to obtain credit. I understand you will investigate these items for me to ensure their accuracy. I request that you examine and verify the following items in the account below as accurate. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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