vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I dont know but I have trouble XXXX XX/XX/year> this took me XXXX but I call dispute and I come the bank to talk in the person I take the money back from 8 days but XXXX weeks later this still to come my account to took my money, I came the branch to talk some one over there he told me he dont have time to help me and he go look up my account he calculated XXXX dollars and he told me call dispute I call this told me 8 days the money the day this still take the money out and I call them this denied me to took my money XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an Amex eGift Card. 

XXXX XXXX XXXX XXXX XXXX  and shows a balance. I attempt to use this on XXXX using the full and then various amounts under the full value of the card. The transaction is declined. 
Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

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 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
I dont understand why there are incorrect accounts on my credit report this morningIm completely confused and overwhelmed. I checked my report like I normally do, but this time, discrepancies just appeared without warning. I thought it might be a browser glitch, so I refreshed it several times, but the errors stayed. Im pleading for you to carefully review the documents Ive submitted to resolve this once and for all.

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 2025-01-07 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: FL

Complaint narrative:
I need your assistance in addressing accounts where companies are inaccurately reporting late payments. After being laid off, I asked for payment forgiveness, and they agreed, but they continue to list them as late. Ive tried contacting them but have received no updates, so Im reaching out to you as a last resort

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Subject : Complaint Against Discover Bank for Inaccurate Reporting, Failure to Validate Debt, and Possible Tax Violations Dear CFPB, This is a formal complaint against Discover Bank regarding the account number ending in # XXXX under the name of XXXX XXXX. I believe Discover Bank is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations due to their ongoing inaccurate reporting, failure to validate a disputed debt, and potential tax fraud. 

1. Summary of Issues : Discover Bank has reported a charge-off of {$9200.00} on my credit report as of XX/XX/XXXX. 
Despite the charge-off, Discover Bank continues to report the account as charged-off every month from XXXX to XXXX, which is factually inaccurate and misleading. 
Discover Bank has failed to validate the debt after receiving a formal validation request. 
There is a discrepancy in the balance amounts reported to different credit bureaus. 
XXXX : Reporting a balance of {$1300.00}. 
XXXX : Reporting a balance of {$1900.00}. 
Discover Bank has not issued a Form 1099-C, which raises concerns about whether they took a tax deduction for the charged-off debt without notifying the IRS or the debtor .

2. Violations Cited : 1. FCRA Violation : Discover Bank is inaccurately reporting the account status as charged-off for several years, which misrepresents the accounts status and payment history. 
XXXX. Debt Validation Failure : Discover Bank failed to provide documentation or verification of the alleged debt after a formal request from the consumer. 
XXXX. Potential Tax Violation : If Discover Bank took a tax deduction for the charged-off amount without issuing a Form 1099-C, it constitutes a violation of IRS reporting requirements. As Im prepared to file an IRS Form 3494-A. As well as an Arbitration Demand. 

Additionally, Discover Banks XXXX filing suggests that the debt may have been securitized, meaning Discover may no longer legally own the debt to report it to credit bureaus. Reporting such a debt as charged-off when the bank has already taken a tax deduction or sold the debt constitutes double recovery and is a potential violation of IRS regulations XXXX 

Key issues : Inconsistent balances across credit bureaus. 
Continued reporting without debt validation. 
Discover Bank potentially no longer owns the debt due to securitization. 
Possible tax violations if Discover took a charge-off deduction without issuing a 1099-C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX account ( XXXX ) sent to collections for {$420.00}, I discovered the collection by viewing my credit report. The account is with I.C. Systems ( acct # XXXX ). 
Contacted XXXX XXXX XXXX on XX/XX/year> to request an audit of the account and last 6 months of billing, was informed that the billing could not be sent. 

I informed the representative that all equipment was returned and the account was closed.

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 2025-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding an erroneous entry placed on my credit report by National Credit Adjusters. On XX/XX/XXXX, National Credit Adjusters added an account to my credit report that does not belong to me. This account is linked to a payday lender, and I believe it is the result of identity theft. On XX/XX/XXXX, I was notified that my Social Security number had been compromised due to a data breach and subsequently discovered that it was available on the Dark Web as early as XX/XX/XXXX. Following this notification, I carefully reviewed my credit report and discovered the erroneous entry. To address the matter, I filed a dispute with XXXX Credit Reporting Agency about this information. They contacted National Credit Adjusters on XX/XX/XXXX. I provided them with an explanation that my Social Security number had been compromised, and I informed them that this account does not belong to me. Despite these efforts, the company declined to remove the incorrect information from my credit report. For further context, I have documented evidence of several breaches and Dark Web disclosures involving my Social Security number over the past year : XX/XX/XXXX : Data breach - Social Security number XX/XX/XXXX : Dark Web - Social Security number XX/XX/XXXX : Data breach - Social Security number XX/XX/XXXX : Dark Web - Social Security number XX/XX/XXXX : Dark Web activity found These breaches and Dark Web activities directly contributed to this identity theft issue. I am requesting your assistance in addressing this matter with National Credit Adjusters to have the erroneous information removed from my credit report. This situation has caused me significant stress, and I need this resolved promptly to protect my credit standing. Thank you for your time and assistance in this matter. Cordially, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: AZ

Complaint narrative:
XXXX violating 15usc1681eb $ XXXX {$5000.00} theyre reporting inaccurate high credit, inaccurate last date active, inaccurate last reported dates. They illegally charged it off without sending me a 1099c I requested 1099c and they denied me one.i would like to request one now. 

XXXX XXXX XXXX XXXX XXXX violating 15usc1681eb. Theyre reporting inaccurate date opened, inaccurate high credit {$11000.00}, inaccurate last reported dates, inaccurate last date active. 

XXXX XXXX  is violating 15usc1681eb they are reporting inaccurate last date active, inaccurate high credit {$1400.00}, inaccurate last reported dates, they charged it off without sending me an 1099c. 

XXXX XXXX XXXX violated 15usc681eb they also credited this as a charge off and never sent me a 1099c, theyre reporting inaccurate last reported dates, inaccurate high credit balances, inaccurate balances, inaccurate dates opened

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I am deeply frustrated and overwhelmed by the presence of unauthorized items on my credit report, which are a result of fraudulent use of my personal information. I have never benefited from these transactions, and yet I am left dealing with the repercussions. Taking this matter seriously, I filed a report with the Federal Trade Commission, believing it would lead to a swift resolution. However, despite following all the recommended steps, these fraudulent items still remain on my credit report. This ongoing issue is causing significant stress and negatively affecting my financial well-being. It is unacceptable that these unauthorized entries continue to harm my credit standing.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-07 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: HW Holding, Inc
State: FL

Complaint narrative:
This notice is to inform you that you unlawfully reported an account to my consumer reports that did not arise from a consumer credit transaction, there were no lines of credit extended or was there any application or agreement for any lines or extension. 

See Case Law : Credit Reports for collection of alleged delinquent eviction, judgments, fines and liens may no longer be permitted. 

Federal counts recently have issued rulings about the use of consumer reports for the collection of an account under the fair Credit reporting Act ( FCRA ). 

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 
In particular, the word " credit '' was defined. As a result of the new definition the position that is being advocated is that a " collection of an account '' is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a " credit transaction. '' As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.. 
Delete this alleged eviction from my credit reports. 
Account # :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am reporting fraudulent activity involving my credit. On XX/XX/year>, a new credit card was opened in my name without my consent. Following this incident, I took steps to monitor my credit closely. On XX/XX/year>, I received credit alerts indicating additional fraudulent applications for two credit cards with XXXX  XXXX  and Discover, as well as an application for a XXXX  XXXX XXXX account. These applications were made without my authorization or knowledge. 

I believe the unauthorized opening of the credit card on XX/XX/year>, may have exposed my personal information, leading to the subsequent fraudulent activity. To address this, I have contacted all three major credit bureaus ( XXXX, XXXX, and XXXX ) to place fraud alerts on my account and have disputed the unauthorized inquiries with XXXX  XXXX, Discover, and XXXX  XXXX XXXX. Additionally, I have filed a police report to document the identity theft and reported the unauthorized credit card to the issuing bank. 

I am requesting your assistance in investigating these unauthorized credit inquiries and accounts, removing any fraudulent accounts from my credit report, and providing guidance to help prevent further fraudulent activities. I have attached supporting documents, including copies of the credit alerts I received, dispute letters submitted to the financial institutions, and the police report. 

Thank you for your attention to this matter. I look forward to your response and any additional steps I should take to resolve this issue. If you need to contact me, I can be reached at XXXX.

Company response to consumer: Closed with explanation