vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, charter communicationsXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal XXXX XXXX XXXX XXXX XXXX as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 IC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may m
ake 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 2024-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Account XXXX Synchronicity Bank This debt was paid in in full by check on XX/XX/year>. The final payment/settlement check was accepted and deposited by Synchronicity Bank . They are still unlawfully seeking to collect on this debt even though the matter was settled. 

This was a loan payable in auto payments for a XXXX XXXX The auto pay was taken out every month, payable with a XXXX percent interest rate. There was a misunderstanding regarding the teaser rate, and the Bank then sought to claim all of the back interest. I spoke to a supervisor on the phone, and offered a settlement of only the outstanding balance. I sent a check marked FULL AND FINAL PAYMENT with an offer letter. The bank accepted my offer and deposited my check. 

This matter is resolved and settled. They are unlawfully still trying to collect and have notified credit agencies.

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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: WI

Complaint narrative:
On XX/XX/year> I recieved a text that a fraudulent charge occurred asking if it was me. I called Charles Schwabe fraud dept. talked to XXXX. He noticed a wire transfer request and asked if I did that. No. He assured me he stopped the transfer and locked my account. Later that day my email from Schwabe showed XXXX wire transfers went through. Some XXXX  had taken my money out of my checking account, moved to my brokerage account and wired to XXXX XXXX {$7400.00}, {$9900.00}, {$22000.00}. I called Schwabe and was told an investigator would call me. Eventually the investigator XXXX XXXX said on the phobe schwabe would not be paying me. Something didnt make sense and i must have given my login and password out or some code. I did not. Also charges were made on my credit card again even though it was locked

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NM

Complaint narrative:
My account with 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 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 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 2024-07-30 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: AZ

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: NC

Complaint narrative:
On XX/XX/year> and XX/XX/year> Lendmark Financial Services Inc sent me forged documents falsely claiming that I asked for a deferral of a loan agreement. When I did not sign the forged agreement, Lendmark Financial Services voided the documents, and filed a civil suit against me in court with a trial date set for XX/XX/year>. Making false claims about a debt, is against the law. In fact it is in violation of federal statute 15 USC Section 1692e Subsection 807 that states " a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Not only did Lendmark Financial Services Inc send forged documents falsely claiming that I requested a deferral, they also failed to notify me that if I failed to sign the forged deferral documents, I would be sued in civil court. 

In addition to violation of federal statute 15 USC Section 1692e subsection 807, Lendmark Financial Services Inc may have committed fraud by forgery. The state of North Carolina states that the elements of forgery occurs when a person uses a document to create a misrepresentation to obtain a benefit. The penalty for this offense if a class XXXX felony. 

I am seeking immediate relief due to the violations above. I am demanding that the civil suit against me be withdrawn, and I am demanding this account be closed and removed from all of my credit reports immediately. Failure to do so will result in me seeking legal counsel to explore all remedies allotted to me under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NV

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. 

9-625. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE.

( a ) [ Judicial orders concerning noncompliance. ] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: NM

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 non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was left a voicemail by the number XXXX stating the were serving me papers XXXX at my house to work, they left me this number to arrange delivery XXXX. I called and left a voicemail with no return call back. I called this morning with no answer and they returned my call from a different number stating that I owed money to XXXX XXXX XXXX and that they wanted to set up a payment plan with me and then asked him to prove that I owe the debt. He said he has done that Mention address that is not mine so I have not received anything. I hung up on him when he told me he was suing me and garnishing my wages. I am unaware of this debt and have never been given proof that I owe it. look on PA dockets and see that I have a docket there and I was never notified of it. Not to mention this is contacting me by my previous married name which changed in 2008 I believe they have reached the statute of limitations on this.. Not to mention this is contacting me by my previous married name which changed in 2008. I believe they have reached the statue of limitations on this but again they are not proving to me that I owe the debt. I am very confused on where I go from here, when I called that number back, they told me they were ever clear dispute management, but the docket says that it is XXXXXXXX XXXX 
I dont understand any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
Goldman Sachs Bank USA placed a late payment on my consumer report XX/XX/year> stating I made a 30 day late payment. Account number XXXX I have never made a late payment on this account. I notified Goldman Sachs Bank USA of this error and was told I had to pay my full balance in order to have the error corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX placed a late payment on my consumer report XX/XX/year> stating I made a 30 day late payment. Account number XXXX I have never made a late payment on this account. I notified XXXX XXXX XXXX XXXX of this error and was told I had to pay my full balance in order to have the error corrected.

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 2024-07-30 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: TX

Complaint narrative:
I am writing to express my deep concern regarding several inaccuracies present in my credit report, which have been the subject of previous disputes submitted by me on multiple occasions. Despite my efforts to resolve these discrepancies, the disputed accounts remain uncorrected, causing significant harm to my credit standing and overall financial well-being. 

Specifically, I am disputing the following accounts : [ List the disputed accounts with details such as account numbers, creditor names, and the nature of the inaccuracies ]. These accounts are erroneously affecting my credit score and are hindering my ability to secure credit and other essential services. The impact of these inaccuracies has been profoundly detrimental, leading to undue stress and financial hardship. 

I kindly request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary corrections are made to reflect accurate information on my credit report. Please provide written confirmation of the results of your investigation, including the actions taken to address these errors. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and expect a prompt and fair investigation. I urge you to prioritize this matter and expedite the resolution process. Your prompt attention to correcting my credit report will be greatly appreciated and will help restore the integrity of my financial records. 

Thank you for your time and assistance in resolving this urgent matter. I look forward to your swift response and a resolution 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 2024-07-30 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: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX  Southwest Credit Systems XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information in my credit report and that you keep verifying this account when it is clearly inaccurate. This letter serves as a DEMAND to validate this account : Southwest Credit Systems : XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract XXXX XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you can not provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying, and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without giving me all the items listed, you will violate the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
TransUnion has consistently inaccurately reported my XXXX student loans. The reporting of my XXXX student loans are in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). Despite providing documentation from XXXX to substantiate my claims and requesting updates, TransUnion has consistently reported incorrect balances and payment histories for XXXX, XXXX, and XXXX. 

The balances reported by TransUnion for my XXXX student loans are incorrect. 
The payment histories reported by TransUnion show late payments which are not accurate. My accounts have never been late. 

I have attempted to resolve this issue directly with TransUnion, but my efforts have been unsuccessful. Therefore, I am seeking the CFPBs assistance in ensuring that my TransUnion credit report is accurate.

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 2024-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Starmark Financial LLC
State: TX

Complaint narrative:
XXXX XXXX called with harassment calls saying wages will be taken

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The credit card Apr increased abnormally and could be a financial crime association and shouldnt be above 19 %. It may have been increased for about a year or more .Normally I might have noticed sooner but hacking and breaching was occurring during the time. I have called several times to notify their security and agents that I was victimized with identity theft and data breech and something was occurring which may have not occurred before or in the same pattern. 
Please note ; automatic payments caused a delay of noticing changes also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: SD

Complaint narrative:
They never tried to contact me and haven't returned my phone calls or voicemails. I tried reaching out but they never answer. So I don't have an idea on what I owe or how much, just a bad mark on my credit score.

I reviewed the company on XXXX and it seems like this is standard practice for qualia collection services. 

They harass people and just use their business to make people 's lives worse without any good faith from a first contact with a new customer.

Company response to consumer: Closed with explanation