vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: WI

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

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

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 2024-07-15 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:
This my refilling of my complaint to EQUIFAX for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello I was shock and confusing about what happen .I open my PayPal account XXXX I'm confusing until now of what happen in my account because I didn't receive any review.and permanently limiting in my account.dated in XXXX XXXX I request for restoring in my account..thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.

Complaint narrative:
I am currently not in the XXXX. 

I used XXXX briefly between XXXX and XX/XX/year> ( though I'm not completely certain of the dates ) while in the XXXX for XXXX. I left the XXXX in XX/XX/year>, and my landlord helped me return the XXXX XXXX 

Before leaving, I did not have any outstanding debt on my XXXX subscription. 

I am surprised to receive a letter from my cousin in the XXXX about a debt I supposedly owe XXXX. 

XXXX Account XXXX : XXXX Reference of XXXX XXXX XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE Date opened XX/XX/XXXX Paid in Settlement {$530.00} CAPITAL ONE Date opened XX/XX/XXXX Account Charge Off {$4700.00} Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization that I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 U.S.C. 6802 that is in effect immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
On XX/XX/2024, I made a payment of {$210.00} to Mohela when they were transitioning their servicing playtorm to a different site. The payment was taken from my bank account, but not applied to my loan. I have called Customer Service greater than 5 times on this matter and they have confirmed the payment did occur but I get the same cookie cutter reply that its being worked on to apply to my account. At first they told me to wait 30 days, now 90 days. We are far past 90 business days and I have not been refunded nor is the payment is not reflected on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-07-15 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
I have been receiving phone calls from this Synergetic Communications before XXXX. Here is a list of every call from them and the time : -XXXX, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  ( this one is legal, still putting it in here since I was called on a XXXX  ). 
XXXX XXXX XXXX at XXXX XXXX 

I called back this afternoon ( Monday, XX/XX/XXXX ), at XXXX XXXX. The woman I spoke with apologized, and informed me that the calls automatically go out on central time. I informed her that I am in XXXX XXXX, and her statement was concerning because I am getting calls around XXXX, which is still XXXX central time. I informed her that debt collection agencies aren't allowed to contact anyone before XXXX, and she said she knows this. I am concerned because she willingly admitted that they send out calls around XXXX central time. 
She then informed me of my debt and said if I want to stop being contacted, I can pay my debt. I declined at this time because I did not like that, she told me I had to pay the debt in order to stop being contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
reporting a canceled forgiven debt that was sold is a violation of the FCRA the account has been canceled by 1099c and sold this account has no debt to report under the IRS rules I WILL KEEP FILING COMPLAINTS ON THIS MATTER UNTIL L YOU FIX THIS YOU CAN NOT REPORT A CANCEL SELL IT THE DEBT IS NO MORE REMOVE AT ONCE I WILL KEEP FILING THIS COMPLAINT EVERY DAY TILL THIS IS DELETED THAT WILL BE 7 COMPLAINTS WEEK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
See Previous CFPB Complaint XXXX regarding EdFinancials failures with their website and AutoPay. This complaint was Auto Closed after EdFinancial responded with a non-response that did absolutely nothing to resolve the issue. As a direct result of everything in my last complaint, it cost me a 0.25 % APR reduction through no fault of my own. It is unacceptable that I shouldn't be granted to capacity to benefit from this provision they marketed. It constitutes misleading or false statements. EdFinancial needs to recalculate my student loan retroactively applying the 0.25 % APR reduction to Day 1 of the repayment of the loans ( XX/XX/year> ) as my activities -- had their system not continually malfunctioned -- would have had my loan in AutoPay by the first payment date. I will not accept what amounts to a penalty APR for the months leading up to the eventual enrollment in AutoPay that didn't happen until they completely moved their website to a different host. They also need to retroactively post my payments as if they arrived on the Due Date each month. My basis for this demand is that I got confirmation emails stating my AutoPay was successful, but then AFTER the due date, I'd get an email saying it was NOT successful. This is very misleading and cause payments to be late and additional interest to accrue. After this recalculation is done, my loan balance needs to be adjusted/reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

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 : Midland Credit Management Acct # XXXX and Acct # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXXXXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year> & XXXX Inquiry Date XX/XX/year>

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am aXX/XX/XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Collections that are being challenged XX/XX/XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OFXX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-15 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: Incomm Holdings Inc.
State: AL

Complaint narrative:
This card was purchased in early XXXX ( Don't have the exact date ). I tried to use the card at XXXX XXXXXX/XX/XXXX. The company ( XXXX ) locked the card and I couldn't make my purchase. When I called in, they said they'd need to issue a new card. 

The new card arrived via XXXX. I open the sealed envelope and activated the card via phone. Soon as I tried to activate the card, I discovered the NEW card was locked -- this was just after activating it and never using it. 

I called back on XX/XX/year>, and they promised they would send me a check for the balance on the card ( {$500.00} ). They informed me this could take up to XXXX weeks. 

Today, XX/XX/XXXX, I still haven't received the check so I call. They now say I must submit the front and back copy of the card. Then after that is received, it will be XXXX weeks before a check is mailed. At no time was this information asked of me prior to this. 

So now I must wait XXXX additional weeks -- that is if this past representative is to be believed. And at this point, I no longer believe any of the promises they are giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I am being extorted by a collection 's agency. They denied my disputes and are demanding payment in order to remove my collections debt from my credit report. XX/XX/XXXX, the ones who submitted the debt to them, called them on a three-way call with me to tell them it was a mistake and to remove the account from my credit report. They STILL refuse, then flagged my account with the credit bureaus because I tried to dispute the claim. They now are saying " If you pay, we'll do you a solid and remove the account all-together ''. This was a mistake on XXXX 's part, and I am now being extorted and harassed to pay the {$51.00} debt in order to make my problems " disappear ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and they are not reporting it to the credit agencies Equifax, XXXX, and XXXX and they are still reporting information that they don't have my consent to. I have also sent letters to Equifax, XXXX, and XXXX letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I explained to Experian that the collection agencies in my report were false it is unlawful to sell or buy any US citizens debt without the express permission and agreement of the individual. Which they never spoke to me and never obtained my agreement. Therfore I don't owe the debt any longer. I told Experian this and they still have not removed them From my report. Which is also against the law! As a reporting agency they should either be bipartisan or neutral in every matter and also know the law and enforce it. But they instead have aloud the continued unlawful actions of the collection agencies. I want the collection agency reports removed immediately

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Acct number : XXXX I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account XXXX & Account XXXX : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( Gearing v XXXX XXXX XXXX ) If you cant 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 XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation