vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : 1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with Experian 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.

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.

Experian 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 explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hello. 

There were unauthorized transactions ( over {$200.00} ) made on my CHIME checking account. I contacted CHIME and made a dispute, 3 days later, they rejected my dispute and closed the card. They gave me no information on why and provided little to no security on my checking account. The unauthorized transactions are from XXXX Now I have little to no money to pay my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: SC

Complaint narrative:
I have made several requests to have the negative accounts on my report to be reviewed. Experian, XXXX, and XXXX is reporting a charged off account thats inaccurate, incomplete, and unverifiable, which is hurting my financial credibility. XXXX ( b ) says I have the right to dispute any inaccurate information on my report. XXXX bank is unverified, incomplete, and inaccurate. I have never been associated with the address this credit card account was created under. The payment history, address, balance, and activity are all inaccurate for this XXXX Account beginning with 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 2024-09-11 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: MI

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 explanation
Consumer complaint received 2024-09-11 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: TN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am filing this complaint regarding Halstead Financial Services and XXXX, which has been attempting to collect a debt that does not belong to me. Over the past two years, Halstead Financial has persistently contacted me, despite the fact that this debt does not appear on my credit report and is not associated with me in any way. I have made multiple attempts to dispute the debt, yet they continue to pursue collection efforts. 

They have been sending all communications to my secondary email address : XXXX. I have received numerous emails from XXXX XXXX regarding this erroneous debt on the following dates : 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 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 XXXX XXXX XXXX XXXX XXXX This ongoing and relentless communication, despite my disputes, has caused significant stress and frustration. I will be attaching all correspondence related to this issue for review. I request that this company cease all contact and take immediate corrective action to stop their collection attempts on this non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc
State: AL

Complaint narrative:
On Tuesday XX/XX/XXXX, I created a account with a company named Bright Money. I was told to put my info in to verify my bank. But nothing is disclosed up front with regards to the membership or how it's billed.

Advertising " {$8.00} a month '' while not directly disclosing they'll charge {$97.00} up front is a blatant lie. 

My issue is with the undisclosed membership fee.

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 2024-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Statewide Tax Recovery, LLC
State: FL

Complaint narrative:
XXXX, a private, debt collection company ( XXXX XXXX XXXX, XXXX XXXX, PA, XXXX ) has been attempting to collect taxes on behalf of XXXX XXXX, PA for tax years XXXX and XXXX. I previously responded to them that I have not been a Pennsylvania resident since XXXX, and thus not subject to personal property taxes in Pennsylvania. They ignored me. I received a new collection effort mail piece this week for tax year XXXX. It includes threats of additional collection actions if I don't pay this bill that I do not owe. 

The XXXX of the complaint is BOLD type in RED, saying, " DELINQUENT TAX NOTICE. '' It is bad enough for this company to make collection efforts, but now pretending to be a tax agency is even worse. 

A previous complaint from me about Statewide to CFPB resulted in CFPB contacting this agency with no response ( per CFPB emails to me ). Will you try to help again? 

Thank 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 explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
My name is XXXX XXXX I have credit card with discovery Credit Card Discovery Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX months now I tried to dispute XXXX transactions, on my discovery card and Discovery did nothing they are allowing people to take money from my credit card every month ( XXXX ) XXXX {$29.00} Coming from my account every month ( XXXX ) XXXX XXXX XXXX {$15.00} coming from my account every month ( XXXX ) XXXX  {$29.00} Coming from my account every month I call several times and complain but discovery did nothing. 
I even turn off the card ending in XXXX. 
But every month these charges still coming thru I don't even have a card because discovery close the card I need Discovery to refund me all those charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-09-11 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: IL

Complaint narrative:
I am requesting that the account listed XXXX XXXX XXXX  Account # XXXX be DELETED immediately not updated the Experian has had more than their fair time to rectify this matter properly failing to do so. 

According to the Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, they are required to : - " conduct a reasonable reinvestigation '' of disputed information ( 15 U.S.C. 1681i ( a ) ) - " delete '' inaccurate or incomplete information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) - " correct '' inaccurate information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Included is a copy of Experians reports dated XX/XX/XXXX before my Bankruptcy & after in XX/XX/XXXX. I was never informed of a collection agency until after my bankruptcy was discharged which unlawful nor did Experian list a collection agency until after the account was discharged which is a violation of my rights. I have provided one image showing the charge off, one showing the Bankruptcy petition & one showing the Debt discharged in my Bankruptcy. It is unlawful for Experian to ignore my valid dispute & refuse to delete this account which is suppose to be done after failing to investigate this matter time & time again This matter has been disputed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX now XX/XX/XXXX and my rights have been violated & ignored the issues still have not been resolved. I will not allow dishonest practices of the the Credit Bureau nor the Deceptive practices of the Collection Agency to continue to cause emotional distress, higher interest rates imposed & being declined for credit. I have also contacted the Attorney General as my rights under the FCRA are being Violated

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
An account appears on my credit report that I don't recognize, and I believe it may be due to identity theft or fraud.

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 2024-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: DE

Complaint narrative:
In XX/XX/XXXX I received a {$2400.00} bill out of the blue from a collection agency named " Phoenix Financial '' for " medical services '' which I supposedly received in XXXX. This claim is completely new to me. I know nothing of these services, I requested proof and documentation from them, and they have ignored these requests for information. It has damaged otherwise great credit rating. 

I sent the following message to them via their online dispute form on XX/XX/XXXX : Account XXXX. I dispute this debt today, XX/XX/XXXX, XXXX EST. Please send me copies of what you believe is the bill or bills for this matter and the names, description and details of the services therein. My dispute of this debt is entered within the window of time provided to me by you via US Mail indicating that can call or write to you by XX/XX/XXXX, and that is what l am doing here. Please rescind all adverse credit bureau notifications submitted two days ago and provide me with confirmation of this. 
XXXX XXXX XX/XX/XXXX Ive received nothing from them in the US mail, phone, or email regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
I have no knowledge of this debt. This is a fraudulent account. My personal information has been leaked multiple times and someone has fraudulently used my name and social security number. I have not received any documents from this creditor. 

Reported : XX/XX/XXXX Williams & Fudge INC {$2400.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Never received any written notice validating this debt. 

They just posted to my credit report stating I have an open account with them. 


I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. The Portfolio Recovery has not provided any information about this debt aside from an alleged amount owed. 


Per 15 U.S. Code 1692c - A. this creditor is in direct violation. I would like this removed from my credit report until they can written provide proof or validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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 XXXX Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX and list of Inquiries. 

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 2024-09-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: SC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX 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 explanation