vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: GVA Holdings, LLC
State: DC

Complaint narrative:
I took out a {$900.00} loan using cash advance now. Wanting to repay it three days after I received the loan, I tried logging onto the customer portal which failed to display any information whatsoever about my loan or the loan agreement. It was only after waiting 30 minutes to get someone on the phone when I was informed that I would not be able to make a payment until the first payment due date, 12 days after the fact. Knowing that I was being charged interest daily, I asked this company to close my account and pay off the full balance to no avail. I submitted a second request to make the payment in full and informed them that I have attempted this already. I still have not seen a balance withdrawn and the company has provided no information outside of a few suspicious emails. The lack of clarity and communication, the refusal to accept repayment from me, and the lack of information about my current balance are all extremely concerning and I am still left wondering how much interest I am being charged. There is no way for any customer to view or pay their loan balance online, and they have failed to be transparent about what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: MI

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Employers : XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated 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 2024-06-20 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: MI

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Employers : XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated 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 2024-06-20 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: NY

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested my credit report on-line on XX/XX/year>. I noticed on the report that Experian has over XXXX inquiries on my report. According to the dates besides the inquiry they are accessing my credit file what looks like every XXXX days. I have no credit in terms of revolving accounts nor do I have any installment loans just a couple of erroneous collections which was why I began my efforts to secure my credit in the first place. 

I couldn't believe what I was seeing coupled with what is the reason you as a " warehouse of people 's credit '' need to pull someone's credit file almost every day? The aggreges overtones to their actions was they were not given authority to be doing this and I would be honored to know why. These kind of practices can and will suppress one 's credit score and surely prevent a consumer from securing any new credit. 

I have been trying to contact them for the last few days but as you know they're pretty insulated when it comes to actual customer service. I've been denied credit for the last XXXX years from what I can remember and until the other day never requested my credit file. Please help me, Experian is a very big company.

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 2024-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
1 ) ACCOUNT IS IDENTITY THEFT FRAUD, BY XXXX XXXX XXXX ) ACCOUNT REPORTED TO LAW ENFORCEMENT AS IDENTITY THEFT FRAUD, 3 ) COLLECTION COMPANY KEEPS HARRASSING ME 4 ) ACCOUNT IS NOT MINE 5 ) ACCOUNT OPENED BY ANOTHER PERSON 6 ) XXXX XXXX HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME 7 ) MCCARTHY, BURGESS, & WOLF HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
Please remove the following fraudulent hard inquire from my credit report : the following inquires are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transaction involved the extension of credit to me, the consumer, although there was intent to use my information in connection therewith. 
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 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 Here I attach, along with my dispute, my fraud report that I just sent to Equifax for the second time so that these question can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I trust this message reaches you, though I am deeply dismayed by the unresolved matter despite my persistent attempts to resolve it. This marks my twelfth communication regarding the denied access to my personal credit report by Equifax. Despite my repeated efforts, Equifax has failed to provide any information regarding my credit history. Enclosed are additional documents supporting my claims, including duplicates of my personal identification. The lack of cooperation in this matter is profoundly troubling, and I demand your immediate intervention to swiftly rectify this egregious situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NE

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-20 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed unfamiliar items on my credit report that I did not authorize. It appears someone may have stolen my identity to open these accounts. I have previously raised this issue and now urgently request the removal of these accounts from my report. The presence of these accounts is causing me considerable stress. They do not reflect my true credit history or financial management abilities, and addressing this situation has been challenging. If we can not resolve this matter, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a swift resolution to this problem.

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 2024-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed unfamiliar items on my credit report that I did not authorize. It appears someone may have stolen my identity to open these accounts. I have previously raised this issue and now urgently request the removal of these accounts from my report. The presence of these accounts is causing me considerable stress. They do not reflect my true credit history or financial management abilities, and addressing this situation has been challenging. If we can not resolve this matter, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a swift resolution to this problem.

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 2024-06-20 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: GA

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Court Reference Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NE

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NE

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-20 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: LA

Complaint narrative:
My account with 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 me 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. 

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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
1 ) ACCOUNT IS IDENTITY THEFT FRAUD, BY XXXX XXXX 2 ) ACCOUNT REPORTED TO LAW ENFORCEMENT AS IDENTITY THEFT FRAUD, 3 ) COLLECTION COMPANY KEEPS HARRASSING ME 4 ) ACCOUNT IS NOT MINE 5 ) ACCOUNT OPENED BY ANOTHER PERSON 6 ) XXXX XXXX HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME 7 ) MCCARTHY, BURGESS, & WOLF HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling my case by Discover card services in response to unauthorized charges and a data breach affecting my account. On the unfortunate day of a robbery, my XXXX, along with multiple credit cards and bank debit cards, including my Discover card, were stolen. Additionally, it was later revealed that my financial accounts had been compromised due to a data breach dating back to XXXX up to the current period. 

Despite promptly reporting the incident to the police and providing Discover with the necessary police report numbers ( robbery report number XXXX and data breach report number XXXX ), the resolution process has been marred by delays and inefficiencies on Discover 's part. 

Discover assured me that they were reaching out to the police department to obtain the official police report ; however, owing to the exigency of the situation, I had to undertake immediate preventive measures, such as changing both my phone number and email address, to safeguard my financial accounts from potential unauthorized access via the stolen XXXX & data breach. 

Subsequently, I filed a fraud claim with Discover for unauthorized charges spanning the period of XXXX. Although Discover did reissue a new card following the initial claim, this replacement card was also compromised due to the prevailing data breach. 

Regrettably, it wasn't until XXXX that Discover initiated a proper investigation into my fraud claim. This delay was primarily attributed to Discover Card customer service erroneous classification of the claim as a billing dispute, causing substantial inconvenience and financial repercussions for me. Notably, Discover subsequently closed my card account due to an outstanding balance resulting from the fraudulent charges linked to the data breach and the stolen phone. 

Of grave concern is Discover 's recent decision to deny compensation for the fraud charges while reinstating charges that I had already settled during the investigation period. This unjust treatment has not only imposed significant financial strain but has also adversely affected my credit score, exacerbating the hardships caused by the entire ordeal. 

In light of these circumstances, I am seeking immediate redress, fair compensation for the losses incurred due to the fraudulent activities, and restoration of my credit score, all stemming from Discover 's mishandling of my case. I trust that the Consumer Financial Protection Bureau will investigate this matter diligently and facilitate a just resolution in accordance with consumer protection regulations. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief