vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The EQUIFAX 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 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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, and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX  XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
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  Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 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 victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account # XXXX Amount XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX amount 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 2025-01-10 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: NY

Complaint narrative:
My account 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I request that you conduct a thorough investigation into this matter and remove this fraudulent inquiry and account from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any fraudulent or inaccurate information investigated and removed from my report. 

Please provide written confirmation once the fraudulent account and inquiries have been removed. Additionally, please send me a copy of the updated credit report reflecting the changes made as a result of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I disputed the inquiries and informed I didnt recognize the them XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I requested copies of my experian rent grow report and my TransUnion smart solutions report about 2 properties I applied too. I disputed with both companies about te inaccuracies of my reports. I spoke with an agent with both companies. Starting with XXXX smart move the agent stated upon her investigation the items on the report could not be deleted. No investigation was done and tat violates my rights under the FCRA and my housing rights. These companies are biased and gather. Information from other sources without validating the information. Both TransUnion smart move and experian rent bureau violated my right under usc.1681c ( b ). Again they both failed to ensure the accuracy of my information and this is not in compliance of the FCRA. I am requesting that all information contained in these reports to be deleted immediately. TransUnion Rental Screening and XXXX XXXX XXXX have violated my rights as a consumer and is making profit off of my name without my consent.

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 2025-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I ask the Mortgage to take off the XXXX  because I had already paid it off. They are still asking me to pay the whole amount which I do not have any balance on my XXXX account. I pay Insurance and tax off before XX/XX/XXXX and call United wholesale Morgage they stated they are working on it. It does not take over 30 days to remove the XXXX  account. I been calling them for over 2 months nothing has been done as of today XX/XX/year>. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Rent Recovery Solutions
State: FL

Complaint narrative:
I have been In a constant battle with XXXX with getting my information corrected on credit profile, for years now they have mixed my information with my XXXX  sister credit profile and reports inaccurate information to profile all the time. I am now also having problems with them reporting inaccurate / fraudulent company on my credit profile and the have failed to do proper investigation in to company and to get my credit profile corrected. I do not owe Rent recovery solutions and never had a balance with the alleged apartment complex on file ( XXXX at XXXX ) that was cleared, I also provided direct proof to XXXX and they have decided to do nothing about inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts were deleted earlier but have resurfaced without my awareness. I was neither informed of their return nor received any mail concerning this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NE

Complaint narrative:
I submitted multiple disputes with experian and XXXX and they turn around in less than 2 weeks and tell me that the information was verified as accurate. They did not provide me with any documentation proving the debt belongs to me or an itemized document explaining any of the charges.

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 2025-01-10 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: NE

Complaint narrative:
I submitted multiple disputes with XXXX  and equifax and they turn around in less than 2 weeks and tell me that the information was verified as accurate. They did not provide me with any documentation proving the debt belongs to me or an itemized document explaining any of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: MS

Complaint narrative:
In XXXX of XXXX I spoke with XXXX from Essex Mortgage and I set up what is called Timely Reward Program. With the program I would pay 75 % of what I owed and the 25 % of what I owed would be waivered if I completed the program ( I owed roughly {$1500.00} at that time ). I paid {$1200.00} for the program and another {$100.00} for a late fee and XXXX payment. The program was a clean slate and it would start in XXXX and my payment was {$74.00}. I didn't receive the paperwork to until XXXX. I signed and emailed back XXXX XXXX. My statement never reflected the program like my first mortgage, which was also on the same program. I repeatedly called to fix the error, but I was told that either program didn't exist or I wasn't setup for the program. In XXXX I paid {$760.00} because Essex said I was delinquent. I looked at the customer portal and Essex took my payments for XXXX and move the payments to XXXX. None of my payments should have gone to XXXX if under the program. The program was never set up by XXXX for second mortgage. In XXXX I called to make a payment on my first mortgage but wanted to ask about my second mortgage. The man I spoke was extremely rude, talked over and stated that I was set up for the program for my second and he had read XXXX notes and that my house would go into foreclosure because second mortgage was delinquent. I asked to speak to someone else and said no and if spoke to someone else that I would told the same thing. I also spoke to XXXX in XXXX and she stated that everyone didn't know about the program or was not trained on the program. I received a letter from Essex stating that my second mortgage was being transferred to XXXX XXXX XXXX. I called XXXX at XXXX and stated that XXXX transferred my second mortgage be it severely delinquent and I had to pay the principal ( {$5600.00} ) in 30 days or Apex would foreclose on my house, but according XXXX I was only late on two payment. I spoke to XXXX as well and he tried to convince my that I was set up on the program. Keep in mind no matter who I spoke with at Essex that program didn't exist or I was setup on the program. I paid for a program that was never setup and my payments for XXXX went towards XXXX. And when I spoke to anyone at Essex they never saw the email I sent XXXX that I signed for the program, I sent the original to customer care and XXXX in XXXX. I also received an email stating that I was current on my second mortgage. I could lose my home because no one wanted to listen and an error that could have been corrected. The people at Essex couldn't help me if they didn't know about the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : DEMAND for Immediate Removal of Charged-Off Accounts from Credit Report Complaint Details : This is a formal demand for the immediate removal of two charged-off accounts that are inaccurately and unlawfully appearing on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX Both accounts have been charged off by the creditors, and under IRS regulations, the charge-off amounts are considered taxable income. The debts have been satisfied in accordance with federal tax law. Therefore, any continued reporting of these accounts as unpaid is not only misleading but outright deceptive and in violation of the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 

The failure to correct this misinformation is causing significant and unnecessary harm to my financial reputation. Let me be clear : this is a violation of my rights as a consumer, and I will not tolerate this negligence any longer. 

Attached to this complaint is a Federal Trade Commission ( FTC ) affidavit. 

Resolution DEMANDED : The immediate and permanent removal of the two charged-off accounts from my credit report by all reporting agencies. 
Written confirmation that these accounts have been removed and that my credit report is fully accurate and reflects the resolution of these debts. 
Should this matter not be resolved promptly, I am fully prepared to escalate this case further, including filing additional complaints with other regulatory agencies and pursuing legal action if necessary. 

Attachments : FTC Affidavit. 
This matter requires your urgent attention. I expect a response within four days as per FTC. Thank you for addressing this issue promptly and appropriately. 

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 2025-01-10 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: NJ

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in 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 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 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Centron Services
State: MT

Complaint narrative:
I talked to the XXXX hospital of XXXX said I dont live in XXXX and asked them why I was getting a bill they told me to take it up with their payment place and when I called them they told me to talk to the hospital and then told me it was my bill and I should pay it. Every time I called all I got was a run around trying to accomplish anything to help settle it. I even told them my mom lives there and has all my cards and information and it was probably her debt being given to me. They said I that it couldnt be proven either way and I should just pay the bill. I had talked to a police XXXX in XXXX about my not having my as card it ids and birth certificate but they never filed anything then when I talked to a XXXX XXXX I told him about a bill that was smaller than the one now. Every time I was getting a bill the amount owed changed sometimes it was XXXX sometimes more or even less. I did a couple times even go online into their my chart to actually pay during the times I knew and paid amounts that were there as I had used the hospital and wanted after I moved to make sure there were no bills. In all that time my bill was not over XXXX. Only when I got the bills telling me it was being sent to collections was I told the amount was a few XXXX dollars. And that was when I tried to call them to make things right.

Company response to consumer: Closed with explanation