vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX would not allow me to log in or change my email address as I could not access my old email. I was forced to opt for the text which proved unproductive as they required authentication. I attempted to call XXXX, every minute bot kept asking me to hold or they would call back. After 10 minutes I finally gave in and selected option 2 to call me back. Then the bot kept repeating my phone number and asking me yet again to enter it without acknowledging. They keep adding information for two Student loan servicers - XXXX - 2 accts and Michigan XXXX. I have disputed these numerous times yet they keep removing then adding back. My dispute statement which they only allow a one sentence response and do not offer a box " all of the above : '' " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in 2019 or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' Experian After logging in, Experian would not allow me to change my email address or phone number for disputing credit information. Their phone system also would not allow me to talk to a human or submit feedback regarding the dysfunctionality of their site, which appears to only be used for ads to get people to purchase their products, WHICH IS A HUGE CONFLICT OF INTEREST. The button was faded and would not allow.

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 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Bilt Technologies, Inc.
State: WI

Complaint narrative:
I attempted a rent payment of {$1100.00} on XX/XX/XXXX through the Bilt Rewards portal that they provided a routing number and account number with a linked credit card for those landlords or properties not within their network. I contacted Bilt Rewards on XX/XX/XXXX on why a transaction has not been posted. The customer service representative a told me that transaction take 1-3 days to post. Told me to contact my bank. I contacted XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and they told me no transaction has gone through. I contact Bilt Rewards a second time on XX/XX/XXXX, after contacting my landlord saying a payment was posted but a transaction did not go through, and Bilt Rewards claimed I did not use their portal to make a rent payment. After various emails with multiple individuals, XXXX wanted a screen shot of my rent payment. I provided it to them. Then XXXX and others made many accusations that I didnt use their portal. I made a second payment through them on XX/XX/XXXX. They continue to claim Im not using their rental portal and they wanted a screen shot of the XXXX payment made on XX/XX/XXXX and I refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
My account with XXXX XXXX BANK 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 XXXX days 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 XXXX  days before the payment due date.

XXXX XXXX BANK 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 XXXX  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 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 2024-08-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to WELLS FARGO. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my XXXX and XXXX consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-08-07 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: UT

Complaint narrative:
name : XXXX XXXX XXXX SSN last XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate and false information consists of a personal credit account opened at XXXX XXXX on XX/XX/XXXX account number XXXX {$740.00} another account XXXX  opened on XX/XX/XXXX account # XXXX {$250.00}. XXXX XXXX opened on XX/XX/XXXX account number XXXX $ XXXX account XXXX XXXX opened on XX/XX/XXXX {$1000.00}. An account XXXX XXXX XXXX opened on XX/XX/XXXX acount number is XXXX {$1200.00}. A loan auto loan from XXXX XXXX opened on XX/XX/XXXX account number XXXX {$9500.00}. these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. ive attached a list of the hard inquiries in question ALL 45 hard inquiries showing on my report are as a result of fraud as well as a copy of the FTC criminal complaint report as none of the accounts above were not opened, made, or initiated by me. all of the aforementioned accounts are the results of identity theft and or fraud,

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 2024-08-07 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX 2022 under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX2022 under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX2024 under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
On XX/XX/year>2022, National Enterprise Systems ( NES ) sent a settlement letter regarding an alleged debt to XXXX XXXX. NES failed to validate the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. NES has not provided evidence of the debt 's validity nor their authority to collect it. NES entered a settlement agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/scrub> 2022, acting purportedly as my representative. This agreement was made without my knowledge or consent, violating 15 U.S.C. 1692e ( 10 ) for false representation and 1692f for unfair practices. The XXXX provided by NES shows that XXXX was authorized only to negotiate and obtain records, not to enter into agreements on my behalf. Acting as an agent for XXXX XXXX, NES should have verified the extent of XXXX 's authority before finalizing any agreement. I insist NES consult with XXXX XXXX  to ensure the debt is accurately recorded with the XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ) and correct any inaccuracies in my credit report due to this unauthorized settlement.

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 2024-08-07 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: FL

Complaint narrative:
My account with 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 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 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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: VA

Complaint narrative:
I have continued to dispute the information from XXXX and XXXX XXXX with the following statement : " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in XXXX or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' They used to take it off my report, but it keeps reappearing with these XXXX loan servicing liars putting it back on as a new loan each time. It also used to be XXXX. To this date, I have never received a bill or any documentation from these companies for any fake loans in XXXX they claim I took out. I was never in school at this time. 

Lastly, the XXXX agencies will not allow consumers to protect their identity using a XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: HI

Complaint narrative:
I was a victim of identity theft. This inquiry in on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is 1. XXXX XXXX  ( Bank ) - XX/XX/2024 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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have tried to resolve this issue with both XXXX XXXX  ( the apartment complex ) and Rent Recovery Solutions ( the collection agency ). XXXX XXXX  did not follow the law and failed to notify me in a timely manner. 
XXXX XXXX XXXX was up on XX/XX/year>, but I moved out several weeks earlier due to XXXX. My rent was paid for the entire time, through XX/XX/year>. I notified the office at XXXX XXXX about the situation. I cleaned the apartment thoroughly and even had the carpet cleaned professionally, which I submitted the receipt to XXXX XXXX. I requested a move-out walk-through with someone from the complex for several weeks, by email, phone and even stopping by the office ( which was always closed ), but I was ignored, they never responded to my requests. I sent them a video showing the condition of the apartment when I left. 
I thought everything was fine until I received an email from XXXX XXXX  dated XX/XX/year>. Attached was a statement dated XX/XX/XXXX. This was the only communication I received from XXXX Bluffs after moving out. This notice was after the 30 day time period per Texas law ; they never sent the letter by the USPS or made any other attempt to contact me. 
I again made multiple phone calls and sent several emails asking for proof of the repairs and cleaning they charged me for. They ignored all my requests and never responded. 
On XX/XX/year> I received communication from Rent Recovery Solutions, the collection agency. The original statement from XXXX XXXX was for {$390.00}. Rent Recovery Solutions increased the amount claiming I owed {$510.00}. There was no explanation of what the additional money was for. 
The collection agency was rude and tried all types of harassment techniques, they refused to listen to my side. I tried to explain the situation and asked again for proof of damages from XXXX XXXX showing I owed this money. They ignored this request and continued to call and email me and threatened they would ruin my credit. 
After several weeks of not making progress my attorney wrote to both XXXX XXXX and XXXX XXXX, asking them to cease and desist with the harassment and threats and also requested the proof of the debt, and they have ignored him as well. 
I have sent both the collection agency and apartment complex copies of my evidence to dispute their claim and they never responded. 
Rent Recovery Solutions did file with all XXXX credit bureau and have damaged my credit, making it almost impossible to rent another apartment. I am on a limited income, I collect XXXX from Social Security. Both the apartment complex and collection agency are aware of this. 
I feel like they have taken advantage of my situation.

Company response to consumer: Closed with explanation