vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-07-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2024-07-05 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: NY

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-07-05 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:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 those account 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 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 explanation
Consumer complaint received 2024-07-05 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: KY

Complaint narrative:
XXXX. There is a XXXX XXXX secured card with a {$0.00} balance that I do not have that needs to be removed and or closed. XXXX. I am employed by XXXX XXXX and have been employed since XXXX. This information is not on my credit report. XXXX. My legal name is incorrect, it should be 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 2024-07-05 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: MN

Complaint narrative:
On XX/XX/year>, I tried purchasing one item in-app. However, there was a glitch and I did not receive it, so I tried to purchase it again. I did not know that it would go through as XXXX transactions. 

I contacted the game developer to remediate and requested a refund. The developer confirmed that I was eligible for a refund, and they confirmed on their end that I did not receive the items. They told me to go through XXXX to start the refund process. 

I contacted XXXX on their reportaproblem page as directed. I requested a refund. However, I was denied. I requested an appeal and told them that I had a screenshot of my interactions with the developer, and that the developer told me it was ok to screenshot as proof of my eligibility for refund. 

I requested for a refund on XX/XX/year> and I was denied. I appealed on XX/XX/year> and was denied. I called XXXX to try to escalate the issue on XX/XX/year> and after spending XXXX minutes with XXXX advisors, they told me there was nothing that they could do. I uploaded the screenshot to them through a link they sent me, but again, they unfortunately told me there was nothing that they could do on their end as there was no option for further appeal. 

My next option is to try and get a chargeback with my bank but that means they'll lock my XXXX id. On a third lock, my XXXX ID would be banned. I am being punished for something that is no fault of my own, but also my money is being taken from me for a service I did not receive. So not only have they wasted my time, they refuse to refund me my money that I am eligible to have returned. 

The total was : {$43.00} XXXX, so {$87.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that you could help me investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; ; XXXX XX/XX/year> ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$950.00}.

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 2024-07-05 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: DE

Complaint narrative:
Ive noticed several different hard credit inquiries that I did not authorize using my transunion 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 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have encountered issues with LVNV Funding LLC for the second time. They have placed information on my credit report without providing any validation of the debt. Despite corresponding with them via email, I have not received any information from the company. Debt collectors are required to provide validation information within five days of their initial communication, either through mail or electronically. However, I have yet to receive any notices from LVNV Funding LLC. It seems that this company is not compliant with the laws and faces no penalties for their actions. According to the credit report, I opened the account in XX/XX/year>, which is false. The date provided does not indicate when the company acquired the debt ; instead, it indicates that the debt was opened in XX/XX/year>, creating a misleading impression. This is deception!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 XXXXXXXX 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 2024-07-05 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 BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NY

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-05 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-05 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: KY

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that you could help me investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; ; XXXX  XX/XX/year> ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$950.00}.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that you could help me investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; ; XXXX  XX/XX/year> ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$950.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management. Continues to Contact me about a Debt that is not Mine. Ive asked for Validation Several Times. By Phone and Email No Response. This Alleged Debt that they state I owe. Is not my Debt. I was an Authorized user on a Credit Card. Of my XXXX. XXXX Credit Card XXXX XXXX XXXX. I never signed anything. I was only added On as a User. Apparently He has Fallen behind and they are trying to Collect from me. I want Validation of this debt. They will not Provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I recently discovered that Aargon Agency has added a medical account to my credit report. Despite speaking with a representative from Aargon Agency XXXX times in XXXX and requesting validation information by mail, I have yet to receive any notices from them. Additionally, I have disputed this debt with XXXX XXXX. When I spoke to Aargon 's representative, they requested payment but did not provide validation of the debt. 
I have the right to dispute the debt ; if it is valid, I am willing to handle it with the original creditor. I had insurance during the procedure, so I wonder why I received a bill and disputed it with the hospital. Despite this, no one could explain the {$550.00} charge. 
This process appears to be unlawful. Also, the dates are incorrect. The last time I spoke with someone was in XXXX ; I asked for validation at that time, 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 explanation