vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
I have disputed with Experian and XXXX XXXX multiple times regarding the inaccuracy that is on my credit report. Per fcra all items must be 100 % accurate or need to be removed. I have disputed multiple items showing derogatory that does not match my address nor my personal records. I have provided proof of my address which was a requirement with Experian and each item Experian states the collection company was able to validate the debt as accurate. I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my XXXX XXXX but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I have sent numerous emails and request for the file to set up a resolution to resolve the XXXX balance that is claimed I owe. I have not received a response. I have sent a request via their website to make payment arrangements and no response. I do not have a file number because they refuse to contact me regarding this matter to get it settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am unsatisfied with Mr.Cooper 's handling and response for my complaint. My mortgage is with Mr. Cooper, on XX/XX/year>, ( as of that date ), I sent an email to them to look into why the loan outstanding balance was not reported correctly by Mr. Cooper to all the XXXX credit bureaus. The payments I made on XX/XX/year> and XX/XX/year> were never reported by Mr. Cooper ON TIME. Attached the XXXX  report I pulled on XX/XX/year> and it still showed XXXX when it should have been XXXX. They simply waited 30 days just to send an incompetent analysis on the issue I reported. 

I am unsatisfied with their investigation of my complaint ( # XXXX ). Can you let me know what are the next available options I have to get this escalated to find the root cause of why Mr. Cooper failed to report my current balance to the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/year> contacted Merrill Lynch XXXXXXXX XXXX XXXX to get a new advisor when my last advisor suddenly was no longer available. Made several attempts since then to have advisor reach out to me, as recently as last week and this week, and still no response. I am unable to close my account and/or withdraw funds and no one seems to be able to help 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 2024-11-06 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: MA

Complaint narrative:
My accounts 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 to be removed/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. 

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently sold a vehicle and the buyer paid by check I am being told that my account is blocked and is pending for closure due to the check deposit now im not able to retrieve my and im being told that I have to wait 60 days citi bank is the worst bank of all time I should have never opened a account with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U DRIVE ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX. for Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX regarding violations of consumer protection laws related to my vehicle purchase and financing agreement for a XXXX XXXX XXXX ( XXXX : XXXX ), dated XX/XX/XXXX. I am requesting that the CFPB investigate these violations and take appropriate action to hold XXXX XXXX XXXX XXXX XXXX XXXXXXXX accountable. 

Summary of Violations Failure to Provide Proper Notice of Right to Rescind XXXX XXXX XXXX XXXX did not provide the mandatory three-day right to rescind as required under 15 U.S.C. 1635 ( Truth in Lending Act - TILA ). The agreement only specifies the sellers right to cancel, omitting a clear rescission period for the consumer. This omission obstructs my rights under TILA.

Misleading Payment Terms and Waiver of Notice The financing agreement includes terms allowing discretionary payment application by the dealership and waives the consumers right to notice on payment acceleration, violating 15 U.S.C. 1662. These terms are misleading and expose the consumer to unanticipated financial risks.

Invasive Use of GPS and Starter Interrupt Devices The vehicle was equipped with GPS tracking and starter interrupt devices without adequate disclosure, a violation of privacy under 15 U.S.C. 1662. I was also compelled to waive privacy rights without just cause, giving the dealership excessive control over personal data and vehicle use.

Unfair Arbitration Clause Restriction of Legal Remedies The agreements arbitration clause severely restricts my legal recourse options, including class actions. This provision, neither adequately explained nor transparent, limits my ability to enforce rights under consumer law, further disadvantaging me. 
Requested Action I urge the CFPB to investigate these allegations and take corrective measures to ensure that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX adheres to all federal consumer protection statutes, including fair and transparent lending practices. Additionally, I request assistance in rescinding the contract and recovering all funds paid under these non-compliant terms. 

Enclosures I have enclosed copies of the original contract, the formal Notice of Rescission sent to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and relevant correspondence. 

Thank you for your attention to this serious matter. Please feel free to reach me at XXXX or [ Your Phone Number ] should you require additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-11-06 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: 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 XXXXXXXX. Account XXXX XXXX XXXXXXXX XXXX. Account XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
I was given a membership for my Birthday from soon to be ex wife. She set it all up paid for it out her account but XXXX XXXX is coming for payment from me. They will not look at who set it up or what bank account it was being paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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 am filing a complaint against EQUIFAX for failing to provide the method of verification for multiple disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ) ( 7 ). Despite my repeated requests, EQUIFAX has continuously refused to provide the required documentation or method of verification, instead responding only with a generic " verified '' statement. This failure to substantiate verification violates my rights as a consumer. I request that the CFPB require EQUIFAX to remove all negative items that they have failed to verify according to FCRA guidelines. Details of Violation : Lack of Transparency : Despite my repeated requests, the credit bureau has failed to disclose the method of verification, which is a right under FCRA 611 ( a ) ( 7 ). Failure to Remove Unverified Information : Since they are unable or unwilling to show how the information was verified, I am requesting the removal of this unverifiable items from my credit report. I respectfully request that the CFPB enforce compliance with the FCRA and require EQUIFAX to REMOVE the disputed negative items and late pyments from my credit report if verification can not be adequately substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I received a small settlement from a class action lawsuit to my Venmo account. This venmo account has been active for several years and I have already verified my identity. Recently, my purchases began being declined even though I have plenty of funds available to cover the purchases. I contacted Venmo support this morning to inquire why. XXXX first tells me that there is no issue with my account and that my account is in good standing. So I ask him why can I not make purchases then? He tells me he does not know. He suggests I wait a few days and try again because he can not disuss my case. WHAT CASE? When I begin getting frustrated because he keeps dancin around the subject and will not just give me a direct answer of what the issue is he then tells me I have to upload a copy of my bank and ID, I do not see why I need to do that but ok I do it. Then he said I have to wait XXXX 5 days for the info to be verifified. 

EVERYTHING HAS ALREADY BEEN VERIFIED. I would like to eat today as I am actually hungry now not XXXX to 5 days from now, if im lucky. I have to pay to park, my vehicle will surley be impounded by the end of the day and XXXX days from now I will owe over {$1000.00} in tow fees. 

How is this legal or acceptable for Venmo to do and still not explain why or what if any issue is. I do not make sketchy purchases. I bought a couch, sent my son {$100.00} and purchased some XXXX. I have more than enough to cover those purchases and then some so why are they allowed to do this. This is not ok. 

I waited a long time to finally receive this settlement money. I had the option of chosing to receive it by venmo or check in the mail or virtual debit card and I foolishly believed Venmo would be the safest choice. Had I had any idea that Venmo would pull this I would have planned better and not spent my paycheck on other things believing I have more than enought to cover my expenses. 

NOW this ridiculous bs is basically going to ruin my life and the only answer I get is nothing no explanation at all. I can not even believe this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
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 XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NY

Complaint narrative:
I consolidated my loans through XXXX in XXXX of XXXX in order to qualify for XXXX. My employer and employment dates were verified - I had a qualifying employer- and I have been working for them since XXXX. So at THAT time I qualified for forgiveness. Yet they only started counting my loans as of XXXX ( a very random date as nothing changed with me, I made no changes to this loan then ). I have made many phone calls over the past 2+ years and filed several complaints. My complaints were closed without reasoning behind why nothing was done, and when I actually spoke to someone I was told yes, I qualified for forgiveness now, and to be patient while they were still counting, and that they will catch up and count the payments made from XXXX. This STILL has not occurred and my forbearance was cancelled. I believe that I more than qualify for forgiveness and have not been explained why thus hasn't happened yet/why so many payments have not yet been counted. My info on Ed Financial does not reveal why so many payments have yet to be counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am unable to provide all of the documents because they were altered and hidden. This was not where I lived where it was forwarded to after an incident. False claims information was used and apparently taxes were taken out and XXXX XXXX XXXX so as found this is the last document of unknown and known people some mail forwarded to XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX and this was forwarded leaving me with nothing closing my post office box on auto pay likely with id or some other means I dont believe it was the actual post office. Went in and told they had to give it to someone else. Again likely not the post office but I know that it is also illegal to use bank information or deduct for likely tax purposes so left with little. This is not meant as a complaint but info needed. Parents were not at the residence at the time it was forwarded my father was undergoing XXXX XXXX. So it was someone on their behalf unknown does not mean it changes anything or anyone but someone had to go in do this and after covered the evidence. So could be anyone may have been after returning by anyone. But sent to both parties forwarded.

Company response to consumer: Closed with non-monetary relief