vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a new vehicle financed with XXXX XXXX. I wanted to re-finance my vehicle and requested pay off quote from XXXX XXXX ; my financial institution for re-finance assured me that my re-finance would be approved. I understand that I did not make payment because I did not want to get pay-off letters again n again. 
On XX/XX/XXXX, I requested Pay off letter and submitted it to XXXX XXXX XXXX for re-finance. Refinancing institution was backed up on the loan processing, so they requested new pay off letter on XXXX XXXX. 
I let XXXX know about my current situation, If they clearly told me that my account would be reported late ; I could have paid all amount on that date but I was not aware, I assumed that re-financing would be done sooner. I also emailed XXXX XXXX before my account was 45 days past due. Nobody stated to me that 45 days late reporting can not be stopped and it would be done automatically. 
I spoke with XXXX XXXX -Customer representative on XXXX XXXX and requested to not send my account for credit reporting as I am refinancing and also at the verge of buying new house. He advised me to pay at least {$500.00} to cover penalties and pay rest of amount until end of XXXX to avoid credit impact. I have recording of that call with me that I requested that my re-financing is taking a while and if it would not be done, then I will pay all amount I owe before end of XXXX. 
I paid {$500.00} and rest of payment for {$1200.00} is done on XXXX XXXX ( as promised ) but I see that even before end of XXXX, XXXX already reported 60 days late for my experian report. 
In my two years of auto loan financing, my all payments were on time and it only happened this time while waiting for re-finance. As my re-financing consumed lot of my time and I am at the brim of closing house for Escrow, I do not want additional inquiry or late payment on my account. so I have decided to continue my auto loan with XXXX XXXX for the time being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I have a new vehicle financed with XXXX XXXX. I wanted to re-finance my vehicle and requested pay off quote from XXXX XXXX ; my financial institution for re-finance assured me that my re-finance would be approved. I understand that I did not make payment because I did not want to get pay-off letters again n again. 
On XX/XX/XXXX, I requested Pay off letter and submitted it to XXXX XXXX XXXX for re-finance. Refinancing institution was backed up on the loan processing, so they requested new pay off letter on XXXX XXXX. 
I let XXXX know about my current situation, If they clearly told me that my account would be reported late ; I could have paid all amount on that date but I was not aware, I assumed that re-financing would be done sooner. I also emailed XXXX XXXX before my account was 45 days past due. Nobody stated to me that 45 days late reporting can not be stopped and it would be done automatically. 
I spoke with XXXX XXXX -Customer representative on XXXX XXXX and requested to not send my account for credit reporting as I am refinancing and also at the verge of buying new house. He advised me to pay at least {$500.00} to cover penalties and pay rest of amount until end of XXXX to avoid credit impact. I have recording of that call with me that I requested that my re-financing is taking a while and if it would not be done, then I will pay all amount I owe before end of XXXX. 
I paid {$500.00} and rest of payment for {$1200.00} is done on XXXX XXXX ( as promised ) but I see that even before end of XXXX, XXXX already reported 60 days late for my experian report. 
In my two years of auto loan financing, my all payments were on time and it only happened this time while waiting for re-finance. As my re-financing consumed lot of my time and I am at the brim of closing house for Escrow, I do not want additional inquiry or late payment on my account. so I have decided to continue my auto loan with XXXX XXXX for the time being.

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 2024-10-28 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: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-10-28 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: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX  Contents of Complaint : 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 card account opened at XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXXXXXX, an account opened at XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$350.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention 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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
On XX/XX/year> I had informed Sofi Bank that my ATM card was stolen. I filed a police report and emailed them said report to show I was not complicit in the theft. Today I have found that somehow that don't have it which I know to be false, because at least three separate employees told me it was received. Also they told me via email that they can't tell me what they from me to settle my dispute which I find very suspect. How can I prove my side if I don't know what they require?? On XX/XX/year> I resubmitted the Police report. I informed them last week that I wil be filing a complaint with the CFPB on this matter and now all of a sudden the police report is missing. Again, this is very suspect. They refuse to talk to me directly which I think is a frustration tactic to make me give up. You all are my last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXXXXXX 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 XXXXXX/XX/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 2024-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I was cleaning out my spam emails and noticed I had an email from a XXXX XXXX from The Speedy Cash Legal of Attorneys with a court case number and letter attached stating I would be sued for a lil over XXXX dollars which includes court costs, and attorney fees for a balance being owed of XXXX dollars. Said I had 24 hours to respond or they'll proceed with the process. First of all, I almost never check my spam and why would this go to my spam mail anyways. Second. I thought Speedy Cash was a lender and not attorneys. I refuse to respond to anything that's in my spam mail. Make it make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning, I saw unauthorized inquiries on my credit report, which is highly concerning and frustrating. I regularly check my report, and this time, discrepancies just appeared unexpectedly. I refreshed my browser to see if it would clear, but nothing changed. Given the persistence of these inquiries, Im asking that my documents be carefully examined so I can be free of this worry for good.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I paid on-line for the XX/XX/XXXX bill, {$220.00} for account pay off when due date was XX/XX/XXXX. 
On XX/XX/XXXX for the XX/XX/XXXX bill, I paid on-line {$250.00} when the amount due was {$29.00} on XX/XX/XXXX. 
Then on XX/XX/XXXX I received a text msg that my account was past due. I checked the account online and it too claimed it was past due. 
I called XXXX and spoke to XXXX re : the error, asking her to fix it and provide proof of that and that no negative credit report was done. 
She claimed there was no error and that my payment of {$250.00} " was applied to the previous billing cycle. '' I tried to explain that made no sense because my XXXX XXXX payment of {$220.00} was made on XX/XX/XXXX and that the {$25000.00} was my XX/XX/XXXX payment which was not due until XX/XX/XXXX, when the payment due was only {$29.00}. 
Again she claimed there was nothing she could do. 
I have never been late with payments and always pay earlier than due dates. 
After our conversation on XX/XX/XXXX I felt so violated that I made another payment on line for {$50.00} which I should not have had to do if they had calculated my account and payments correctly. 
I still want written evidence that they have corrected their errors, and they have removed any " late '' notations on my account and have not done any negative credit reporting.

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 2024-10-28 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: NV

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies with the following account, which is negatively impacting my ability to obtain credit. I understand that the credit bureaus are required to investigate accounts to ensure their accuracy. Below is the account I am requesting you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsections A-D, please provide the names and business addresses of each individual with whom you verified the account, so I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation.

Upon further review, I also discovered several inconsistencies in the reporting of this account across multiple bureaus, causing inaccuracies that must be corrected.

Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are obligated to protect consumer privacy. The continued reporting of this inactive account poses a risk of unnecessary exposure of non-public personal 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 explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Date ] Fay Servicing [ Department ( e.g., Customer Service, Billing ) ] [ Address ] [ City, State, Zip Code ] Subject : Request for Cancellation of Unanticipated Fees Dear Fay Servicing Team, I am writing to formally request the removal of legal fees charged to my mortgage account. I was unaware of these fees, and upon review, they appear to be unsubstantiated. As a result, I believe they were applied in error, and I would appreciate your assistance in canceling them. 

I have been diligent in managing my account, and these unexpected fees have caused me significant concern. To ensure clarity and transparency, could you please provide a detailed explanation of these charges and confirm the removal of any fees deemed unnecessary? 

Thank you for your attention to this matter. I look forward to a timely resolution and confirmation of fee removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital 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 XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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 never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief