vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: NJ

Complaint narrative:
My accounts 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 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 2024-08-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is the purpose of the FCRA to require that XXXX XXXX XXXX Experian to adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
This statement is an excerpt directly from the FCRA. However, Experian employs unreasonable procedures in which Experian has lied and avoided conducting legal investigations to validate the information reported on my consumer report. Constantly reporting any items that are sold to your agency without proper validation of the debt or proof of ever conducting a lawful investigation pursuant to 15 USC 1681a ( e ) is a violation. 15 USC 1681a ( e ) states that an investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIEND, OR ASSOCIATES of the CONSUMER REPORTED ON or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian failed to conduct a lawful investigation pursuant to the FCRA by conducting the personal interviews necessary for validating debt. I requested once again valid proof of your investigative results, over XXXX days ago and have yet to receive a response from your XXXX XXXX. I suspect that no verifiable investigation has ever been conducted. Not only did Experian state they conducted an investigation using reasonable procedures they also deleted the disputed accounts ( XXXX XXXX of XXXX Accounts ) then reinserted them months later and never provided the Consumer any proper notice or explanation of the investigation with documentary evidence of the investigation and its results, as requested by the Consumer. Experian also continues to share consumers information and Consumer report to non affiliate companies, with no permissible purpose and no written permission from the Consumer. Consumer opted out of promotional use of its Consumer report. Consumer has documented Experian sharing her information to over XXXX non authorized or affiliates companies. This is a direct violation of 15 U.S. Code 1681b - Permissible purposes of 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 2024-08-15 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: NJ

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 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 2024-08-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
According to XXXX XXXX XXXX ( C ) Law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease All communication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year> I was stranded by XXXX XXXX XXXX XXXX XXXX with need to book new flight back to XXXX. When about to click " book '' for XXXX  {$2000.00} on my XXXX in my XXXX XXXX account, I saw a desk with medium sign " XXXX '', so I asked the woman if she is their " help desk '' and if I am safe to press " book ''. She said : " I can help with XXXX ''. She stated that if I press book it may read as " standby '' ticked and if flight is full, I may remain stranded at airport. She suggested to book for me, which she did -the same flight for much higher XXXX  {$3100.00}! I asked for her name to leave feedback to which she declined. Once in airplane the flight was almost empty. Upon view of my credit card charge back in XXXX, it wasn't by XXXX, so I spoke to XXXX XXXX agents on the phone, both stating " standby '' ticket is impossible. That is when I searched online to find the merchant and asked them via email for partial refund, because their employee mislead me by not clarifying she is NOT XXXX XXXX but a travel agent and for lying about a " standby '' ticket, which prevented me to book the flight myself at my rate of XXXX {$2000.00}. They denied partial refund stating transaction is " valid ''. 
I filed dispute with my Discover credit card. Initially they sided with me, but last week Discover reversed the partial refund based on " valid '' transaction receipt. Therefore I called Discover after and a senior dispute agent advised me to ask Consumer protection help, due to Discover paperwork based decision making it impossible to side with me. 
I emailed a XXXX based Consumer protection since the merchant operates in XXXX XXXX, but they asked me to find XXXX based help because I do not reside in XXXX. 
Today I spoke to CFPB agent and we agreed that I can file online to ask my Discover Credit card again to please reconcile and side with me for the partial refund, because despite " valid '' transaction, the merchant used fraudulent tactics to prevent me to book a flight myself and in turn obtained a transaction from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I talked to a representative at Experian and we figured out the issue of why my credit dropped. The Experian representative informed me they only report what the company sends in so the error could not be the fault of Experian. After contacting XXXX they informed me Experian made an error so I'm refiling this compliant with the updated information I gather from Experian today XXXX. The issues at hand is last month XXXXXXXX XXXX reported my XXXX loan accounts as current/terms meet, meaning I paid off or paid the loan which was an error and incorrect information. The status of the XXXX account in XX/XX/2024 should have been in charge off status like it's been for 2 years. This month which is XX/XX/20XXXX XXXX reported the account as a charge off again, which dropped my score. XXXX reported false/incorrect information for the month of XXXX which caused my score to plummeted. This is unfair and highly illegal. Reporting wrong information is in violation of the FCRA and by XXXX reporting incorrect information about the status of my account in XXXX XXXX should be deleted from my credit report due to the damage it has caused. If XXXX  claimed I paid in XX/XX/2024 ( which I didn't ) or that the account was current, how can they turn around the next month in put it back in charge off status in XXXX. I would like a detail explanation explaining why this occured and why experian reported this incorrect information. When you can clearly see it was an error.

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 2024-08-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello below are the companies I've reached out to several times and still have not provided any validation of these accounts. They are both reporting from the same account number with two different names this is a serious violation according to the consumer laws Under 15 USC 1692G Delete these accounts immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

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 2024-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I terminated my service with XXXX XXXX and auto-payment was suspended as part of the termination process. I was not informed about a final payment that was due, and I discovered through my credit report in early XX/XX/XXXX that this payment had been sent to debt collection agency XXXX XXXX XXXX. Upon learning of this issue, I immediately contacted XXXX, made the payment, and was assured by a representative that the derogatory mark on my credit report would be removed. Despite this assurance, the negative entry remains on my credit report, and I request that it be corrected promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In Accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  looked at my transunion credit report on XX/XX/2024 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 to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 suppose to 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 non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
High interest rates that my balance does t go down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent the US Bankruptcy Court house a letter. I received a response letter from them saying they do not report to the credit reporting agencies. So how in the he'll did the credit bureaus verify this Bankruptcy as 100 %. They never did a fair investigation according to 15 USC 1681. And 15 USC 1681 section 603 ( E ) States the term Investigative consumerreportmeansa Consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The credit reporting agencies violated my given rights under 15 USC 1681. According to 15 USC 1681 section 602 States that I have the right to privacy. Also, according to 15 USC 1681 section 604a section 2 it stares a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 1681 S2A1 a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person know or has reasonable cause to believe that the information 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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hindering my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account number : 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 non-monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
Since XX/XX/year>, Equifax employees have unlawfully accessed my credit report without my consent or knowledge, leading to the initiation of fraudulent and frivolous disputes. I have provided confirmation numbers related to some of these unauthorized actions : XXXX, XXXX, XXXX, XXXX, and XXXX. These actions have caused significant hardship and financial loss, as the disputes started by Equifax employees were on accounts that were either non-existent on my profile or on authorized accounts that were closed in good standing. 

Equifax employees have unlawfully deleted the following accounts from my credit report : 1. XXXX  XXXX XXXX account ending in XXXX XXXX XXXX. XXXX account ending in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX. XXXX XXXX mortgage account ending in XXXX XXXX I have never submitted any disputes regarding these accounts, all of which were closed in good standing. The deletion of these accounts has further damaged my credit profile and caused additional financial harm. 

I have reported this fraudulent activity and the ongoing behavior of Equifax employees to the XXXX XXXX Police Department, the FTC, the CFPB, the California State Attorney General, and the XXXX. Despite these reports, Equifax employees continue to commit fraud, initiating disputes and using information such as names and addresses of Equifax and the employees mentioned in the reports. These employees have also used these names to falsely claim that I disputed these names on my credit report. This fraudulent behavior has been ongoing for several months and has significantly impacted my financial stability. 

Despite multiple attempts to resolve these issues, the same employees continue to access my credit profile and manipulate accounts. This has led to the addition of fraudulent information, the initiation of baseless disputes, and the deletion of legitimate accounts that I have never disputed. The ongoing manipulations of my credit report have severely impacted my financial standing, making it difficult for me to maintain accurate credit information and leading to further complications in managing my financial obligations. 

Equifax 's unauthorized access and manipulation of my credit report are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which requires that consumer reporting agencies must have a permissible purpose for accessing a consumer 's credit report. Additionally, these actions may also violate California state laws that protect consumers from unauthorized credit report access and the mishandling of disputes. 

Attached documents are letters from credit furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX along with dispute letter to copies of identification, police reports, FTC identity XXXX theft reports

Company response to consumer: Closed with non-monetary relief