vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

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

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 2024-09-12 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no recollection of this account of {$300.00} dollars with what appears to be XXXX, whom I've not had an account with in a very long time, and I left on good terms. I've tried to dispute this XXXX times through Experian and it isn't being removed, despite my lack of knowledge of the collection. It is not on either my XXXX or XXXX, and it is becoming an issue for me to properly use my credit in everyday life, XXXX. getting a vehicle, getting an apartment, etc

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 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: OK

Complaint narrative:
Good morning how are you i have paid this credit card discover bank and XXXX XXXX is harrashing me since XXXX  kindly remove this credit card from my credit report. 

Company : Discover Financial Services Consumer : XXXX, XXXX This e-mail is to notify you that you currently have a new message with XXXX in regards to complaint # XXXX. 

This firm is harrashing me since then XXXXXXXX XXXX XXXX, DO NOT XXXX ME AND MY FAMILY FOR MONEY SO YOUR STATES AND RESIDENT IN THESE BOTH STATES CAN GET MONEY FROM GOVERNMENT FOR PROJECTS AND HOUSING AND SBA LOANS, I DONT HAVE ANY MONEY TO GIVE STREET BEGGARSIN MA AND NY STATES YOU GUYS HAVE XXXX XXXX XXXXS YOU GUYS HAVE WORKED ON ME AND MY BROTHER STOP YOUR WORK IMMEDIATELY. BOTH OF THESE STATES COMMISSIONERS AND POLICE OFFICERS HAVE WORKED ON ME AND MY FAMILY AND PUT OUR LIFES IN DANGER FOR COMING OUT FROM POVERTY I HAVE KNOWN ALL THIS INFORMATION BY CHECKING YOU GUYS FROM XXXX XXXX THAT I HAVE FROM XXXX XXXX XXXX AND XXXXXXXX XXXX 

PLEASE DO NOT XXXX  ANY RICH MAN FOR MAKING MONEY OR BECOMING RICH IN USA AGAIN. 

FINALLY DO NOT USE XXXX XXXX FROM XXXX AND XXXX XXXX FROM XXXX AND XXXX FROM XXXX AND XXXX XXXX FROM XXXX XXXX DO NOT HARRASH ME FOR GIVING YOU GUYS ANY MONEY. 

ALSO PLEASE DO NOT USE AI AND XXXX ON ME, MY MOTHER XXXX XXXX XXXX, MY BROTHER XXXX XXXX, SISTERS AND THERE FAMILIES XXXX XXXX AND XXXX, XXXX XXXX AND XXXX XXXX DO PUT ANY ULTRA XXXX LIGHTS ON US FROM XXXX XXXX MA AND XXXX NY XXXX ALSO DO NOT USE ANY SATELITE TO XXXX US. 

Do not put any assassins ' or XXXX  on me for timber tree assets i had in XXXX and do not try to kill me or my family for this discover credit card. 


Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. i ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete the payment history on this account to prove that the amount you wish to collect is correct I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
On XX/XX/year> a XXXX XXXX Bank XXXX Credit Card was opened which exceeded its {$300.00} limit with a total charge of {$530.00}.

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 2024-09-12 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

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

Company 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 2024-09-12 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name XXXX XXXX XXXX XXXX/ Account Number : XXXX Account name : XXXX Account Number 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 2024-09-12 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number 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 2024-09-12 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There were fraudulent Negative Accounts added on 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 2024-09-12 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: Cascade CISS Holdings, LLC
State: MD

Complaint narrative:
Im found that my credit report has inquires that I never apply and I dont recognize them XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
Im deeply frustrated and disappointed by the ongoing neglect of my requests to correct the inaccuracies on my credit report. Despite my efforts to have these errors addressed, I feel as though my concerns have been completely disregarded, leaving my financial situation unfairly compromised.

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I requested at the start of my Loan that my payment be set to the first of each month because I get paid on the XXXX XXXX by XXXX VA XXXX a XXXX. They refuse to do so. Because of that when I fell on hardship in XX/XX/year> and on I wasn't able to pay my Loan on time. I was homeless Vet. As of this date I have paid my Loan on time and has sent more than the regular payment. I ask them to remove the XXXX over XXXX days late payment that they cause me by setting my date to the XXXX of each month which continue to cause me hardship by and stress to pay it. Am not satisfied with their investigation of this complaint they can give me satisfaction by removing the late payment and changing my date. They are doing this because am a XXXX person if I was XXXX  they would help them. They don't help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I have been approached by Phoenix Financial Services ( XXXX XXXX XXXX XXXX XXXX, XXXX, IN ) who has been directed by Court Order to STOP practicing of Collecting on old Medical Debt and has been REPORTED on your Official CFPB Website ( XX/XX/year> ). I was just about to purchase a HOUSE and recieve FUNDING for my upcoming Buisness but was REJECTED due to COLLECTION by a CONVICTED Collection Agency which dropped my Credit Score XXXX. Now we will have to live in our RV trailer in another Michigan winter. How are they NOT on a LIST via XXXX, FICO, XXXX, and more?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC
State: AL

Complaint narrative:
XX/XX/XXXX I paid in partial payment over the phone, I told them repeatedly I'm searching for work, and I will call them about when I do find a job in which I did on XX/XX/XXXX, XX/XX/XXXX they called and told me that I have to pay the whole {$120.00} because I can't do partial payments anymore I said once again I just started this job how am I supposed to get that up I explained I need more time and they won't do it I'm tired of their attitudes and threats cause I just started this new job I moved to XXXX XXXX, AL and I had to get rid of the other job to move their ad find another one. If they want the {$120.00} I need more time because it's not fair or right I have to keep on being threatened like this I'm not the only one avoiding them and recently up to now I've been on time paying so I need more time or they can garnish my wages once I start getting paid whenever that is this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has a Bankruptcy on credit when i have never ever filed for bankruptcy

Company response to consumer: Closed with non-monetary relief