vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/year> my XXXX XXXX was not working. I looked up the phone number for XXXX XXXX ( XXXX ) and started to speak to what I thought was a XXXX XXXX representative. He told me he needed to verify me and to go to my phone and add an app so he could walk me through how to log into XXXX XXXX. I ended up creating another XXXX XXXX account. I was back and forth on my phone and the TV while he said he was having trouble verifying me. Eventually he had me go to my wallet as part of the verification saying that he was trying to verify my address. I started to see transactions that were going to my XXXX XXXX  card and immediately being cancelled. Then there were transactions that werent being cancelled. At no time did XXXX XXXX  card notify me that this activity that was clearly out of my typical spending was occurring!!! The dollar amount for these transactions are {$XXXX}!!!! At the same time a {$XXXX} transaction was being attempted on my XXXX XXXX  credit card and I immediately said it wasnt me and the transaction did not go through, my card was cancelled and I was issued a new one. The transactions on the XXXX  card are for XXXX XXXX XXXX. I do not currently or never have had a account with XXXX. One of the representatives from XXXX told me to contact XXXX myself to dispute the charges but could not provide me with a phone number, only their website. When I went onto the website it said I had to log in or create an account with them which I most certainly will not. I have disputed these charges twice now and have repeatedly asked to be connected to the Credit card XXXX office or given the phone number and my request has been denied. I need these charges to be taken off!! My XXXX  and I are on a fixed income, my XXXX   is XXXX and I am XXXX XXXX XXXX. Please help us. The only reason I have this XXXX  card was to finance my XXXX watch with interest free payments. I never used the card other than that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
hi i tried disputing a collection account on my report with Experian and can't get it resolved name on account is- XXXX XXXX XXXX account number XXXX they keep reporting it as a Collection this account is been paid since XXXX  they haven't deleted it i keep getting denied when i apply for any new accounts cause it comes out as collection don't know why is still on my report i tried disputing it and don't know were there getting there information from it shows the lack of respect they have for law abiden citizen all they doing is hurting me more i ask you get them to remove it since i tried plenty of times i truly ask for ya help in this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Every month, Avant returns my payment for insufficient funds. Ive received documentation from my bank that this is not accurate as theyve never attempted payments and if they had, I have a balance that would allow the payment to process. I attempted several payments online by card and they were not processed. I called to make the payment by debit card using several methods and they were unable to take the payment. I called today to ask for a deferment til I can gather the funds to send them a check to pay them in full, they advised they can not do that. I told the representative that the returned payments need to be disputed because they shouldnt have been returned and she called me a liar, saying that the payments were valid. I asked for a contact to send a letter from my bank stating that this is false and they refused to give me a direct contact, just saying I could send it to customer service. Ive sent emails and documentation now for weeks and they go unanswered. Im being charged fees and I can do nothing to change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-21 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: TX

Complaint narrative:
I have no connection to these inquiries or creditors and request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
I am filing this complaint against the credit bureaus for their repeated failure to respond to my dispute letters concerning incorrect information on my credit report. Although I have made several attempts to address this issue through the proper channels, the credit bureaus have not complied with their obligation to acknowledge or investigate my disputes, as required under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action is a clear violation of the FCRA, which requires that credit bureaus investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against the credit bureaus for their repeated failure to respond to my dispute letters concerning incorrect information on my credit report. Although I have made several attempts to address this issue through the proper channels, the credit bureaus have not complied with their obligation to acknowledge or investigate my disputes, as required under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action is a clear violation of the FCRA, which requires that credit bureaus investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in 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 2024-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Hello, on XX/XX/XXXX I sent a letter certified mail requesting that the debt collection agency National Credit Systems validate that I owe them {$870.00} dollars. In the letter it states that they are not to report it to my credit report until they validate the debt within 30 days, since then they have reported the debt on my credit 2 times on XX/XX/XXXX and on XX/XX/XXXX. I have not heard anything from this debt collection agency verifying that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: INTERNAL CREDIT SYSTEMS, INC
State: MO

Complaint narrative:
Internal Credit Systems , Inc sent harassing claims that me and my son, XXXX XXXX XXXX XXXX, owe a debt that does not belong to either of us. On XX/XX/scrub> 2024, I submitted a letter of debt validation and cease and desist of all communication until the debt has been verified. I also included an invoice for {$1000.00} for violation of our consumer rights of 15 U.S. Code 1692. On XX/XX/year>2024, I received a threatening phone voice message from XXXX XXXX with Internal Credit System. He basically threatened to take me to court and demanded payment on a debt that does not belong to me or my son. I kept all records of calls and any voicemails regarding this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I received an alert that there was a ding in my credit report for {$2400.00} for XXXX XXXX via Transworld Systems. XXXX XXXX is located in XXXX Texas. I have never lived in Texas, nor have I ever even been to Texas. I have disputed this multiple times. I have no knowledge of this account before this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB Customer Service, I hope this message finds you well. I am writing to express my continued frustration regarding the inquiries on Equifax I have disputed multiple times, both by mail and online. Despite my efforts, I have observed that Equifax updates these disputes after just XXXX hours without conducting any proper research, resulting in no changes to my credit report. 

As I have previously indicated, the inquiries in question were made without my permission, and it appears that my personal information XXXX have been compromised. I have formally requested documentation from the respective companies to substantiate these unauthorized inquiries. If they can not provide such proof, I expect that these entries be removed from my credit report immediately. 

Regrettably, Equifax has processed updates to my disputes without any substantive investigation, leading to the same unsatisfactory outcome. This pattern is both concerning and disheartening. I urge Equifax to take this matter seriously and assist me, as well as others facing similar issues, in safeguarding our information against fraudulent and illegal use. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
My account with EQUIFAX 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 ( 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. 


EQUIFAX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I reported an insurance claim for repairs to roof with my homeowners insurance company. Claim was settled and payment was made. Check had to be endorsed by mortgage company, Lakeview Loan Service. I sent check along with estimate for repairs to mortgage company. Mortgage company advised I had to submit signed contract with contractor, W9 and release of lien from contractor. I submitted all documentation required. I contacted my mortgage company on XX/XX/year> to inquire when funds will be dispersed and was told 25 % of my funds would be issued. I explained that per their required documents my contract with contractor is requesting total amounts funds up front less my 1 % deductible that is owed when repairs are completed. The representative advised me to send letter advising of contractor 's response. I advised mortgage company has documentation in contract. Representative told me there is nothing they can do. I am unable to obtain repairs unless contractor 's contract is honored.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my frustration and concern regarding the handling of my credit report disputes. Despite my efforts to correct the inaccurate information on my credit report, the errors remain unresolved. 

I have sent multiple dispute letters to address the following inaccurate information : XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX XXXX : Account number : XXXX XXXXXXXX XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX  : Account number : XXXX It is disappointing that despite providing evidence to support my claims, these inaccuracies have not been corrected. As a result, I have been forced to resubmit my disputes, which is both time-consuming and frustrating. 

I request immediate action to remove these inaccuracies from my credit report. Please ensure that your investigation process is thorough and complies with the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information should appear on consumer credit reports. 

Your prompt attention to this matter is crucial. I expect to receive confirmation that these inaccuracies have been corrected and that my credit report accurately reflects my financial history. 

Thank you for your understanding and swift action in resolving 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 explanation