vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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 disagree with the reporting of the collection accounts listed below, which persist on my credit report despite your previous investigation. I request an immediate re-investigation of these items as their inaccuracies severely impact my credit score.

Per the Fair Credit Reporting Act ( FCRA ) ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, please provide me with the names and business addresses of each individual with whom you verified and validated the information. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Collections : XXXX XXXX Account # : XXXX Collections : XXXX XXXX XXXX Account # : XXXX According to the FDCPA 15 USC 1692g, the agency was required to notify me in writing within 5 days of the debt being placed on my report, which did not happen. As the original creditor, only I can validate this debt, and I do not validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
My inquiry involves a debt : Car loan The nature of my concern : I called Ally bank on XX/XX/XXXX and was told Wisconsin has the second chance law and they would work with me. Once I had the money ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX I called and made arrangements. Those arrangements officially began XX/XX/XXXX with my first payments. Payments for back pay, late fees and 3 months of monthly payments were made. I was told by XXXX at ACI ( Allys credit card processing ) to make the two large payments separate on the same date which was XX/XX/XXXX in the amount of 1. {$1900.00} and 2. {$1900.00} and told to make first payment towards car in XXXX where I made a payment on XX/XX/XXXX for {$500.00} and again XX/XX/XXXX for {$500.00}. I was told from there my payments would be {$500.00} a month until car is paid off. Now a year and 5 months later after no missed payments ( have all of my records from allys website and my bank ) my car was towed out of my drive way on XX/XX/XXXX in the XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MO

Complaint narrative:
I got a loan for a new vehicle over {$100000.00}. Its always been set on auto pay for the entirety of the loan. I got a certified letter stating I owed {$47.00}, after I got home from being on vacation. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XXXX, I spoke with XXXX XXXX and tried to pay the {$47.00}, SHE WOULD NOT TAKE A PAYMENT because she said there was no balance. I have worked very hard over the years to keep a good credit score, so I was worried, and questioned her. She stated again that there was no balance and I could not pay, that the letter must have been in error. In fact it was my last payment and XXXX owed me a refund. I specifically told her Im very particular about my credit report she said I had nothing to worry about. On XXXX, I got an alert that I had a derogatory mark on my credit report. I immediately called XXXX and spoke with XXXX at XXXXXXXX XXXX XXXX XXXX ) where he assured me that it was an error and I was not late and had a refund. He said he would open an investigation and it would be taken care of. This was never taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
A payment to Transworld Systems Inc. was made on XX/XX/2024. I specifically requested that the payment would be made in exchange for a deletion on my credit report. The company agreed to this on the phone in exchange for payment on a recorded line. There are recordings to prove that I requested this. They took payment for the debt and then proceeded to not remove the entry from my credit report and stated that they do not remove entries. I would have never agree to this as there is no point in paying a debt that continues to burden my credit XXXX points on a {$90.00} debt that was wrongly put on my credit to begin with. The creditor never sent me a bill for the charges and I specifically requested the bill be sent to my email at the time. TSI defrauded me by claiming they would delete the entry and then refused to do so. This is wire fraud and I plan to prosecute them to the fullest extent of the law if the money is not either returned or the entry deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNever 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 8

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: AL

Complaint narrative:
Formal Complaint Regarding Inaccurate Reporting on Credit File I am writing to file a formal complaint regarding the inaccurate reporting of Consumer Portfolio - XXXX on my credit file. Specifically, the credit report in question repeatedly displays XXXX, and XXXX late payments with additional repeating payment statuses from the beginning of XX/XX/XXXX until this present time ( XX/XX/XXXX ), every month has a repeating payment status which are inaccuracies that negatively impact my creditworthiness. 

This marks my FOURTH request for investigation into this matter, emphasizing the serious repercussions for my financial standing. Please reference CFPB complaint XXXX XXXX, XXXX, XXXX Such inaccuracies not only breach the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer credit information, but they also have significant repercussions. These inaccuracies unjustly extend the statute of limitations, thereby greatly impairing my ability to obtain credit in the future. This misinformation undermines my financial credibility. 

In order to avoid any delays in processing and in the interest of transparency I have added my government photo ID, Proof of address and social security card to verify my identity. Additionally I have added proof of the inaccurate payment history beginning on XX/XX/XXXX until this present time ( XX/XX/XXXX ), and the credit reporting companys prior investigations. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
After receiving numerous calls and being hung up on by Phoenix financial services. Someone finally talked to tell me what the calls are about. The person was rude and told me that I had enough money in my bank account to cover the full debt. After telling him that it was for bills he got pushier and told me to pay with a credit card. 
Having never heard of this company before I didn't want to give him information even though he knew how much money I had in my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXXXXXX XXXX for the amount of {$500.00}. That bank merged with Wells Fargo in XXXX  Being as it is a retirement account meant for the future, I rarely used it. Fast forward to present day, I found a signed application by both me and the bank employee that included the contribution amount at the time of opening. I proceeded to go to Wells Fargo to check on the account at the beginning of XXXX, they said they had no record of it, and to contact customer service. On XXXX I called customer service with no help other than being told to write a letter to their " IRA Processing/Document Capture Department ''. On XXXX I sent a letter certified mail to the address they provided. While waiting for a response, I checked with Utah State Treasury office on XXXX as well, to see if anything was reported or received, with no record from them. Around the middle of XXXX, I received a letter back from Wells Fargo dated XXXX stating that they do not have record, simply stating to contact my tax consultant if I have questions. More less they just blew me off .... They never sent me a notice of account closure ; the state has no record of unclaimed funds. Legally, money can not just disappear without any sort of record or reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ), The documents needed are a picture ID a bill and a letter from an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to Trafficking - Debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of fair credit reporting act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
https : //mytdfinancing.com for XXXX XXXX XXXX XXXX I am locked out of my online account without the ability to make a payment. I have attempted to call customer service multiple times and I am not unable to reach anyone. I have called multiple times, different days of the week and different times of the week and I am still not able to get ahold of anyone after excessive hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: OR

Complaint narrative:
On XX/XX/year> I bought 2 {$500.00} American Express gift cards from 2 separate retailers. I was unable to use either card. I tried calling the company but was not able to speak to a person. I was given their recorded message which didn't give me an option of speaking to someone. The recorded message simply said 'goodbye '. I should add that the bar code on both cards is partically obliterated. Now I'm out {$1000.00}. I would just like to get my money back. I've bought gift cards in the past from XXXX and XXXX and haven't had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NJ

Complaint narrative:
My ftc report # XXXX. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Transunion has not provided proof or validity of these fraudulent debts that were opened in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
My Equifax credit report shows a delinquency record with someone elses XXXX credit card that I dont own - I checked with XXXX  and they can not link the card to me in any cases ( they are having different socials for sure - the only XXXX  card that my social is linked is the one ended with XXXX ) But its showing in my Equifax report, and Equifax only ; the credit card has delinquency history from XXXX to XX/XX/year> and is impacting my credit score that should be. 

I having been making payment for my card and check scores ( but not Equifax ) frequently, and will never miss a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifaxASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, XXXX, XXXX, equifax failed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX  this VITAL role pursuant too 15 USC 1681 ( a ) ( XXXX ). Also, Experian, transition, XXXX failed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION,

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