vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/24 I contacted TransUnion to update my address on my credit report. I was told that due to inaccuracies that I would need to wait before I could update my address and remove any old addresses. She stated that I would need to wait 5 business days and then call back to change the address. I asked her about the inaccuracies on my report and was told that she could not disclose them but would have them removed and for me to call back in 5 days. I informed her that as a consumer I had the right to know the information but she declined. I was asked for my full social security number, email and phone number. She also did not disclose the credit report number

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I unlinked my bank account from my Experian profile and Experian lowered my credit score XXXX points. and failed to justify why

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 2024-11-22 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 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 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! 


Update 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 2024-11-22 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 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 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! 


Update 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 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
I am filing this complaint against Vanderbilt Mortgage & Finance , Inc. due to their failure to provide a lien release for my property. I paid off my mortgage in full on XX/XX/2024 and have been waiting for the lien release ever since. 

I have repeatedly followed up with Vanderbilt Mortgage to resolve this issue but have been met with either no response or unhelpful answers. It has now been several months since my mortgage was paid off, and I am still unable to obtain the necessary documentation to clear the lien from my property records. 

This delay has caused unnecessary stress and inconvenience as I can not proceed with property-related transactions without the lien release. Vanderbilt Mortgage 's inaction is unacceptable and reflects poor customer service.

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXXXXXX, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I applied for a personal loan and was sent a denial letter stating XXXX is reporting a bankruptcy in my credit file. I contacted XXXX and they told me there is NO bankruptcy in my credit file. I called Citi back numerous times and spent hours on the phone with no solution. XXXX has confirmed there is no bankruptcy and has sent me my credit report and it does not show a bankruptcy.

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 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am disputing a collection account from IQ Data International , Inc., related to my former residence at XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This account is inaccurate for several reasons : Court Agreement : Per a court stipulation dated XX/XX/year>, all monetary demands in the original complaint were settled and waived. The agreement explicitly states that monetary claims were resolved and reserved for potential future suits, which were not pursued. The collection violates this agreement. 

Debt Validation : I have requested debt validation from IQ Data on XXXX separate occasions. Despite their assurances on recorded phone calls, I have not received any documentation to substantiate their claims. 

Misreporting Delinquency Date : The reported First Date of Delinquency is XX/XX/year>. However, my move-out date was XX/XX/year>, per the court order. Reporting delinquency before the move-out date is factually incorrect. 

XXXX XXXX XXXX : This was a joint lease agreement, but the collection account has been reported under my name alone as an individual debt. This misclassification prevents the other leaseholder from being held equally accountable. 

Failure to Provide Final Bill : No final billing statement, debt validation or itemized breakdown of charges has been provided, violating XXXX Civil Code Section XXXX. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure IQ Data International ceases all reporting to credit bureaus and removes the inaccurate collection account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
Dear CFPB, I am writing to follow up on my previous correspondence dated [ date of previous letter ], in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$250.00} Date of Account : XX/XX/year> To date, I have not received a satisfactory response or proof that this debt is valid. According to the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), creditors are required to validate the debt upon request. Additionally, under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), credit bureaus must investigate disputed information and correct or delete any inaccurate or unverifiable information. Furthermore, the CFPA ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts or practices in the collection of consumer debts.

I am requesting one final time that you investigate this account and ensure its removal from my credit report if it can not be properly verified. Failure to comply with these federal laws may result in further action, including escalation with the CFPB and exploring legal avenues to protect my rights.

I have attached copies of my previous correspondence and supporting documentation, including a copy of my identification for verification purposes.

I appreciate your prompt attention to this matter and expect a written response within the XXXX period stipulated by 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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to Equifax on XX/XX/2024 ( Dispute ID : XXXX ), requesting verification of inaccuracies on my credit report. Equifax failed to respond by the legally mandated XXXX deadline of XX/XX/2024, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite follow-up letters sent on XX/XX/2024, and a final demand letter sent on XX/XX/2024, Equifax did not address my dispute until XX/XX/2024, via the CFPB portal . This response does not comply with FCRA requirements, as it was untimely and failed to provide direct communication as I explicitly requested. 

Retention of Unverifiable Items : Equifax continues to report the following inaccurate and unverifiable accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 

Hard Inquiries Not Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : Missed XXXX Deadline : Equifax failed to meet the required response deadline of XX/XX/2024, violating FCRA 611 ( a ) ( 1 ) ( A ).

Failure to Verify or Provide Documentation : Equifax did not supply the required method of verification or supporting documentation directly from original creditors, violating FCRA 611 ( a ) ( 7 ) and 609 ( a ).

Retention of Unverifiable Items : Despite failing to verify these items, Equifax continues to report them on my credit report.

Failure to Communicate Properly : Equifax did not send communications through certified mail as explicitly requested in my dispute letters and relied solely on the CFPB portal.

Impact of Equifaxs Non-Compliance : Equifaxs failure to act has caused : Credit Score Damage : A drop of XXXX points. 
Financial Harm : Higher loan costs and credit denials. 
Emotional Distress : XXXX and stress from unresolved inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: Possible Financial Inc
State: TX

Complaint narrative:
I'm not liable for this debt with POSSIBLE FINANCIAL INC. I do not have a contract with the POSSIBLE FINANCIAL INC agency They did not provide me with the original contract as requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
XXXX, Social Security Number : XXXX, Date of XXXX XX/XX/year> This complaint to the CFPB is being submitted to request that Equifax, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my XXXX credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
The mixed information on my credit report is outrageous. Accounts that are not mine are listed under my name, causing severe harm to my credit score.

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 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
Loan express is practicing unfair debt collection practices and in violation of the Fair debt collection practice act. 
Ive been receiving multiple calls daily in regards to my loan which came due on XX/XX/XXXX. On Wednesday XX/XX/XXXX I spoke with store and informed them I will not be able to make a payment due to a hardship until XX/XX/XXXX. Store employee said they could not give me until then to make a payment to do what I can to try and borrow the money to pay. Yesterday XX/XX/XXXX I received XXXX calls and XXXX voicemails from XXXXoan express. XXXX at XXXX XXXX and the other at XXXX XXXX. It really felt they were doing this to annoy me. Because of this I wish to no longer do business with loan express in which Ive been a customer there for many years.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
They told me they charged it off. but they want me to give them {$300.00}. because they car was in my name. but he got the loans. this is past XXXX years ago. 

They company is Lone Star Title Loans XXXX they call from this number But text me today also from this number XXXX name say XXXX from loan star title my ex name was XXXX XXXX XXXX. they cant reach him

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: AZ

Complaint narrative:
Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : 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  My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me.

Correction or Removal : Remove all inaccurate addresses from my credit report.

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information.

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, 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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: IL

Complaint narrative:
Debt was sold to a debt collector with out my permission. The debt collector has personal information that I did not give. Under the law 15 USC 1692g. And under the 777 rule they contacted me multiple times through via phone and emails. This debt is no longer owed due to original creditors went bankrupt

Company response to consumer: Closed with explanation