vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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:
XXXX  XXXX  has listed an open credit card on all my credit reports. I filed disputes with all credit monitoring agencies and XXXX XXXX says the information is accurate despite it actually being a fraud account. I never opened any XXXX  XXXX account in XX/XX/year>. XXXX  XXXX won't answer the phone or the wait times are excessive. None of the credit bureaus seem to want to help either.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax on behalf of my credit file merging with someone else 's credit file. I contacted them around XX/XX/XXXX and again in XX/XX/XXXX. In Both times I contacted Equifax I have undergone an extensive identification process by answering security questions, spelling the correct spelling of my name, and also sending in verified bills, driver 's license, and social security card. On the phone each time I contacted Equifax, I was told that the information was either requested to be removed or removed from my file. I asked Equifax to send a corrected Credit Report to my home address which I never received. About XXXX days later around XXXX or XXXX of XXXX, I tried to pull my credit file via online at Annual Credit Report.com , Upon inserting my information to check the updated information on my credit file. I was unable to obtain my credit report and advised me to contact Equifax. On XX/XX/XXXX I reached out to Equifax via phone to verify myself via Drivers License and photo evaluation verification and was told the same information was still showing on the credit file, Again I disputed the information throughout the waiting process I was not contacted by Equifax no updated credit report was sent and I still had no access to pulling credit report from Equifax and either XXXX or XXXX. On XX/XX/XXXX I contacted Equifax via phone and spoke to yet another representative verifying myself as such, my Drivers License and picture verification process where the representative stated she saw in the system where I sent in the proof of identity and requested the merged name be removed from credit file and request to update the name on my credit file. She confirmed bill and social security card were in the system yet she could not update the address or remove/ dispute any other items on the credit file until I sent yet another bill/ proof of address i asked to speak to a supervisor and the telephone line was disconnected. I am very irritated and frustrated I have 3 children and this circumstance is causing severe hardship i have done all I can do on my part by providing Equifax with all the information requested so this issue can be fixed and yet has to be fixed. Per FCRA Equifax has violated the Fair Credit Reporting Act by mixing my credit file with someone else 's, refusing my rights as a victim by not updating the inaccurate information on the credit file, still reporting wrong and misleading information on my report, and failing to correct or remove errors. On XX/XX/XXXX I was able to get in my Equifax report and dispute name discrepancy confirmation # XXXX The name still shows on credit file and contacted Equifax on XX/XX/XXXX which also verified information over the phone with a docusign that was sent via email to send social security card and ID, confirmation for dispute # XXXX. XXXX provided case # XXXX for phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: NV

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX XXXX XXXX, XXXX XXXX ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand these payments be updated to paid on time immediately. Thank you

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 2024-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Company states that I have an account with a balance and that I need to pay the balance. 
I do not own that account with the balance, nor did I place an order or receive a package with the balance due of {$XXXX} dollars. I contacted the collector letting them know that that debt didnt belong to me but they insist its mine. They have my name and phone number that is accurate but I have never received nor have I ever purchased from way fair. It states that the collection date was opened XX/XX/year>. I submitted disputes for this collection on the XXXX website and the collector states that they have nothing on their end. The collector even admitted on a recorded line that their website doesnt work and glitches when submitting claims. Which is unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CA

Complaint narrative:
I am filing a complaint against Experian regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Experian in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Experian. Subsequently, I sent another dispute letter to Experian dated XX/XX/year>. Despite my clear and thorough request, I did not receive any response from Experian with investigation results. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Experian has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Experian, along with proof of delivery, to support my claim. I am now demanding that Experian immediately and permanently remove the disputed items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The payment amount on my XXXX  was correct with the original lender. Once servicing was transferred to Shellpoint the payment amount was totally off. I have an existing balance of appx $ XXXX. Total line amount is $ XXXX. My payment should be interest only for the first XXXX  years. Current interest rate is XXXX  %. That should make my monthly payment somewhere in the neighborhood of {$XXXX} ( tops ). My payment started at {$XXXX}. As a result of my complaint/inquiry they finally changed it but still have an incorrect payment amount of {$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 2024-09-09 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: MI

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 2024-09-09 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: VA

Complaint narrative:
I recently checked my credit report and discovered accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: VA

Complaint narrative:
I recently checked my credit report and discovered accounts reporting that I do not recognize.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the fair Credit Reporting Act this creditor has violated my rights under 15 USC code 1681 ( E ) ( B ) Which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. The reporting agency has failed to show validation of 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Quick Bridge Funding, LLC
State: DE

Complaint narrative:
**Company Information : ** - Company Name : Quick Bridge Funding , LLC - Also Involved : XXXX XXXX XXXX XXXX XXXX 
- Address : XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( Quick Bridge Funding ) - Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX ) XXXX. I entered into a Business Loan Agreement with Quick Bridge Funding , LLC, and expected to be dealing solely with them. The loan agreement did not disclose that Quick Bridge Funding would act as a servicing partner for XXXX XXXX XXXX XXXX XXXX However, discrepancies became apparent when the loan funds were disbursed by Quick Bridge Funding , LLC, but all repayments were required to be made to XXXX XXXX XXXX XXXX XXXX 

2. This lack of transparency and disclosure regarding the servicing partnership raises serious concerns about potential misrepresentation and fraudulent practices. I have no direct acknowledgment or documents that clarify Quick Bridge Fundings role as a servicing partner for XXXX XXXX. 

3. The loan agreement is mischaracterized as a XXXX XXXX XXXX ( XXXX ) but displays characteristics of a loan, such as fixed repayment terms and a lack of genuine risk for the funder. This structure suggests it functions as a loan and may violate XXXX usury laws. 

4. The interest rates charged under the loan agreement and additional fees result in an excessively high effective interest rate. The total cost of the loan, including fees, translates to an annual interest rate of approximately 75.36 %, which far exceeds the allowable interest rate under California law ( California XXXX XXXX XXXX ). This high rate of interest suggests a pattern of predatory lending. 

5. The XXXX filing by Quick Bridge Funding , LLC extends beyond the agreed-upon security interest by encumbering an inordinate range of business assets. This overreach has significantly impaired my ability to obtain other financing, putting undue strain on my business operations. 

6. Additionally, the agreement includes a personal guarantor requirement that imposes substantial personal liability. This personal guaranty directly impacts my creditworthiness and has led to the denial of personal and business credit applications. 

7. Despite my attempts to negotiate a reasonable settlement, XXXX XXXX XXXX and XXXX XXXX have proposed payment plans that are financially untenable, and no adjustments were made in response to my legitimate financial constraints. 

8. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these practices, specifically : - The non-disclosure of Quick Bridge Funding 's role as a servicing partner. 
- Potential misrepresentation and fraudulent practices. 
- Overreaching UCC filings and their impact on my financial situation. 
- Excessive and usurious interest rates and fees that violate XXXX XXXX laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
In review of my credit profile I seen that there was some hard inquiries that are not mine.

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 2024-09-09 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: CA

Complaint narrative:
Hello, please carefully check and read this complaint, as there are highly questionable and inaccurate items being reported on my credit, this is absolutely frustrating. This is negatively affecting my life and scores which is so unfair it is stressing me out.

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 2024-09-09 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: FL

Complaint narrative:
Dear EXPERIAN, I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT NAMES : XXXX XXXX, XXXX XXXX INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT EMPLOYER : XXXX XXXX FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Inquiry : XXXX on XX/XX/XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

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 2024-09-09 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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
I am the author of this complaint and I checked my credit report and noticed some student loan accounts that I did not open. These accounts are fraudulent and have been reporting on my credit report. I have filed an identity theft report and attached it below. I am asking that the credit bureaus remove these accounts from my credit report 15 USC 1681a

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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

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 explanation