vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Upon recently investigating my credit report from all 3 bureaus, I found an item that has caused XXXX XXXX and stress. This item, a collection action/account named as CCS ( Credit Collection Services ) is inaccurate, unverifiable, invalidated and questionable. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. This account is not verified ; the Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against RTR regarding the handling of my loan repayment plan and the transparency of the statements provided. I recently received a response from RTR ; however, I do not believe they are genuinely attempting to offer an acceptable payment plan that aligns with my financial situation. 

RTR proposed a payment plan that, due to my current financial hardship, I simply can not commit to. Despite explaining my financial difficulties to them, they have not been accommodating or understanding of my circumstances. They did mention that they would fix and reverse the fees that were added to my account, but I have yet to receive a clear statement reflecting these fee reversals. 
They have confirmed that both legal and interest fees will be reversed in recognition of my consistent payments and the existence of a temporary payment agreement that stipulates a 0 % interest rate. 

Furthermore, the statements provided by RTR are confusing and unclear. I have been making payments including a down payment for approximately XXXX years, yet the balance on my loan does not seem to decrease. This was originally a {$50000.00} loan, and now RTR is demanding {$89000.00}, which seems unreasonable, especially considering that the investors ( RTR ) likely purchased this loan for pennies on the dollar. 

I find it extremely difficult to work with RTR, as their communication lacks clarity, and they have not demonstrated a willingness to provide reasonable support or transparency regarding my loan. I am requesting your assistance in resolving this matter, ensuring that RTR provides a clear and accurate statement, and helping to establish a fair and manageable repayment plan. 

Thank you for your attention to this matter. I appreciate your help in ensuring that RTR adheres to fair practices and offers the necessary assistance to borrowers in financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2024-08-29 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:
A fraudulent account reported on my credit i submitted XXXX XXXX XXXX XXXX XXXX ive also sent them a fully notarized Fraud Packet they requested i ask for the contract and it was sent but the name on it doesnt match mines the contract is VOIDED BECAUSE THE NAME DOESNT MATCH ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: T.S. Holdings
State: WY

Complaint narrative:
I have disputed this account over XXXX for reporting inconsistent and inaccurate incomplete information on my credit report.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights.i didn't give XXXX XXXXXXXX XXXX XXXX to share my information with a debt iq data international acount # XXXX XXXX is violating my right to privacy according to15usc 1681s-2 delete this inaccurate inconsistent account immediately.also I want {$1000.00} per violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. lam attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: PA

Complaint narrative:
I am XXXX XXXX, I'm reaching out to express my concerns about several issues with the credit bureau. These include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I am seeking assistance to resolve these issues to ensure my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: DC

Complaint narrative:
I have recently, reviewed my credit report and noticed that I didn't have a fraud alert. That is important to have enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Husband frustrated since {$10000.00} paid and I still owe the same amount after XXXX payments. I have to live with him and this is outrageous owing this much interest. They also rolled a previous loan into this one and are charging double interest and added additional payments for the loan that was almost paid off as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NAVY FEDERAL CREDIT UNION
State: WY

Complaint narrative:
I have disputed this account at least XXXX in the last 3 years because the are reporting inconsistent incomplete inaccurate information on my credit reports.the account number, the balance, payment history, date of last activity, almost every aspect of this account is reporting inconsistent information.NAVY Federal credit union acount XXXX is violating my federally protected rights. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating 15usc1681 and i demand to delete/remove immediately.after XXXX times of disputing they finally deleted the account from my XXXX  report but is still reporting to XXXX  and XXXX inconsistent and inaccurate information.they have repeatedly reported a charge off and that manipulates the statue of limitations.i want {$1000.00} per violation and the account deleted from my XXXX  and XXXX  credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: PA

Complaint narrative:
This morning, I was stunned to see inaccurate accounts suddenly appearing on my credit report, and I have no clue how they got there. When I checked my report, like I usually do, I was shocked to find discrepancies that came out of nowhere. I even refreshed my browser, hoping it was a glitch, but the errors remained. Because of this, I urgently request that the documents I've submitted be reviewed carefully so that I can put this behind me and never have to worry again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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:
MY NAME IS XXXX XXXX XXXX AND I AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT ON MY BEHALF. 

Dear Equifax, I am writing to formally dispute several accounts on my credit report due to identity theft. I have thoroughly reviewed my credit report and identified multiple accounts that were fraudulently opened in my name without my knowledge or consent. 
I have attached an FTC identity theft report to substantiate my claim. Additionally, I want to bring to your attention that I have never provided written consent for these accounts to be reported on my credit file, pursuant to 15 U.S.C. 1681b, which requires such consent for the procurement and use of consumer reports. I was never given any option to opt-out for reporting either. 
Furthermore, the fraudulent activities related to these accounts may also constitute violations under 18 U.S.Code 1028A, as my information is being passed without lawful authority which is aggravated identity theft. These transactions/accounts are not relating to any transactions that I, the consumer have made. 
As these accounts were opened and reported without my authorization, I am demanding that they be BLOCK/REMOVED from my credit report immediately. Please consider this letter as my formal request to remove/block these fraudulent accounts and inquiries items within 4 ( four ) days, in compliance with federal law.Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and Im baffled as to why theyre there. When I checked my report as usual, I was shocked to see discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Because of this, I urgently request a thorough review of the documents I've submitted so that I can put this worry behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: MD

Complaint narrative:
I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past two months, I have consistently reached out to your company about this matter and I haven't gotten any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: NJ

Complaint narrative:
I contacted all three major bureau to have all old addresses and phone numbers removed from my account. And was giving a hard time to get the inaccurate information removed 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 explanation
Consumer complaint received 2024-08-29 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: MD

Complaint narrative:
I am not linked to the creditors mentioned, and these inquiries were not made by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: AZ

Complaint narrative:
My account with this XXXX XXXXXXXX XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 2024-08-29 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes.As such, it is a very serious error in reporting. I never authorized such action, if this constitutes a violation of my rights under The fair Credit reporting act 604 As well As a violation Of my rights to privacy. These inquiries were made fraudulent without my Knowledge and or permission. These inquiries were made XX/XX/year> XX/XX/year> If you find that I was not the one who Authorize these inquiries I asked that it would be removed Immediately. Please be so kind as to Forward me documentation That you have had the unauthorized inquiry removed. If you find that I am an error then please send proof of this Your immediate attention To this matter is appreciated.

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