vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
Clarity Services XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear Clarity Services, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: IL

Complaint narrative:
I recently reviewed my report and noticed an account that was not reporting accurately. There are XXXX inaccuracies showing on my report that should report as current due to protection under the CARES ACT. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the XXXX national emergency is declared over. 

According to Sec. 4021 of the CARES ACT If a furnisher of credit information provides an accommodation to a consumer affected by the XXXX outbreak, and the consumer complies with the terms of the accommodation, the creditor generally must report the account as current. 

An " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

A modification and agreement with XXXX XXXX XXXX  XXXX was made on XX/XX/XXXX ( attached in documents ) and the account has been current/good standing since XX/XX/XXXX. 

The CARES ACT states If yourloan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

I am requesting you investigate the following accounts and the following payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) be updated to CURRENT/PAID ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a few phone calls from Resurgent Capital today, XX/XX/2024, about a debt collection. I went online to submit a Cease to Desist notice requesting that they not phone me about any debt because this is going to lead to multiple robot calls. I prefer for them not to contact me by phone. Mail at the po box is ok.I had also sent a letter to the original creditors before these accounts were turned over to Resurgent to notify their collection agencies not to phone me but they still called me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
CREDIT CARD FRAUD ( inside job ) Re : Acct # XXXX XXXX XXXX XXXX XXXX Gold {$420.00} Platinum {$920.00} Respected Sir or Madam : Please be advised, I am reaching out to you in an desperate attempt to resolve the many financial errors that has appeared on my JCPenny Card Card account. I personally tried to resolve these issues numerous times, but all to no avail. Ultimately, I paid the account in full ( {$1800.00} ) only to discover that my payment was applied to a " different '' months later! 

I was informed that I currently have remaining balances on XXXX accounts ( cited above ). However, I only had XXXX account ( # 's provided ). I also incurred numerous monthly late fees when I actually paid my bill on time. Yet, despite my every efforts I could never resolve this matter so I chose to paid the account in full, and resolve it on the back end. However, I didnt know I would never be able to resolve! 

During the times these charges occurred, I made numerous calls, visited various stores ( statewide ), contacted the Corporate Office and ultimately I become an employee and I still could never get any positive outcome. Instead, I were told to hire a lawyer, -- this is an inside job! These charges were intentional and malicious to say the least. 

JCPenny owes me money and I am not seeking any type of store credit. This is what I need assistance with and these charges appear on the following years statements I.e. XXXX, XXXX, & XXXX. Ironically, I was informed that there were no statements for the year XXXX, yet I have them! ( I have ALL the statements to show proof of charges ) Your attention to this matter is greatly appreciated! 

Customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX ( 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 2024-07-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-15 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: CA

Complaint narrative:
I am writing again to dispute the account appearing on my credit report. As mentioned before, I have been a victim of identity theft, which led to this fraudulent account being opened in my name without my consent. The creditor has recognized this account as fraudulent and agreed to remove it from my credit report after I submitted the required FTC report and Identity Theft Affidavit. However, I have noticed that your bureau is still reporting this account despite their approval for removal. 

As a credit bureau, you have a legal obligation to ensure the accuracy and timeliness of your records. By not removing this fraudulent account, you are failing to meet this obligation and causing further harm to me. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
MicroBilt Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear MicroBilt Corporation, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX 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 2024-07-15 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX 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 60 days 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 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 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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-15 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: DC

Complaint narrative:
XXXX opened a new trade-in for my XXXX XXXX instead of transferring a consolidated loan that was sold from XXXX. Now I show XXXX different student loans that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that XXXX needs to make the change and update my credit report to show a XXXX balance.

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 2024-07-15 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: DC

Complaint narrative:
XXXX opened a new trade-in for my XXXX XXXX  instead of transferring a consolidated loan that was sold from XXXX. Now I show XXXX different XXXX XXXX that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that XXXX needs to make the change and update my credit report to show a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
In XXXX at the start of my semester at XXXX XXXX I was told by one of the receptionist in the financial aid office that my costs and courses was paid off by the loan plus the federal XXXX XXXX. Then by the time at the end of the semester to make new classes I saw there was a hold in my account something didn't seem right so I went to the financial aid office and I met with a different receptionist to check my account status I was told by this other receptionist that everything including courses and tuition fees were not paid off entirely it seems. And I had to cut some of my classes because I was trying to find at least some type of income and struggling to study and make it to XXXX XXXX at the same time. I didn't have much money to take the bus all the time sometimes I had to walk home from XXXX and I don't have much of a support system at all. I just want to continue my education and I'm trying to transfer back to XXXX XXXX XXXX but the Students Acount Office In XXXX XXXX won't let go of my unofficial transcript and I told them I don't have much of a steady income money to pay off the {$200.00} dollar debt agreement in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-07-15 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: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I recently looked at my Experian credit report on XX/XX/2024, and noticed some things are not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX has deleted XXXX  XXXX # XXXX 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is knowingly reporting this inaccurate account after notifying them previously last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.

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 2024-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
In XXXX, I had had Seterus send me numerous letters stating my mortgage was late, prior to me having a XXXX XXXXXXXX and I needed a modification so my son could help pay until I either received XXXX or could find new employment. Prior to my XXXX, Seterus would receive my mortgage payments but sent me letters stating my mortgage was past due and tried to collect XXXX mortgages a month. After I started telephoning my payment in, they would charge me a fee and take that out of my mortgage. I filled out paperwork and contacted them over and over and they stated bc my mortgage was with XXXX XXXX  at tge time I sighted documents to purchase, it stated if I missed a payment the whole balance was due. They XXXX sold my home for a third of what it was worth and I was left homeless and had a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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