vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I noticed on my credit report that an incorrect collections balance from XXXX Collections was reported for {$760.00}. I have contacted XXXX XXXX who was the original creditor, the collections agency reporting the debt, and even my insurance company to see if there was any debt from XX/XX/year>. None of them can provide anything, the original creditor and my insurance company have absolutely no record of how this debt was incurred and both have their own active investigations opened right now. The original creditor has no record of what the collections agency is reporting and has escalated their investigation to the highest level. I disputed this with XXXX, XXXX, and TransUnion and all XXXX disputes were denied twice in a row within just a day or 2. I even called and told them what was happening while the 2nd disputes were still open. I have now opened all 3 disputes, for all 3 bureaus for the 3rd time. Their lack of research is appalling, I have done all of the research on my own and gotten this being investigated with the creditor and even the insurance company completely on my own while all 3 credit bureaus have repeatedly said its been confirmed accurate by the collections agency. This confirms that none of the 3 credit bureaus bothered to so much as contact the original creditor for proof of the debt, if they had then they would know that there is no debt they have any record of reporting for me from 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 non-monetary relief
Consumer complaint received 2024-10-24 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: TN

Complaint narrative:
I noticed on my credit report that an incorrect collections balance from XXXX Collections was reported for {$760.00}. I have contacted XXXX XXXX who was the original creditor, the collections agency reporting the debt, and even my insurance company to see if there was any debt from XX/XX/year>. None of them can provide anything, the original creditor and my insurance company have absolutely no record of how this debt was incurred and both have their own active investigations opened right now. The original creditor has no record of what the collections agency is reporting and has escalated their investigation to the highest level. I disputed this with Equifax, XXXX, and XXXX and all XXXX disputes were denied twice in a row within just a day or 2. I even called and told them what was happening while the 2nd disputes were still open. I have now opened all 3 disputes, for all 3 bureaus for the 3rd time. Their lack of research is appalling, I have done all of the research on my own and gotten this being investigated with the creditor and even the insurance company completely on my own while all 3 credit bureaus have repeatedly said its been confirmed accurate by the collections agency. This confirms that none of the 3 credit bureaus bothered to so much as contact the original creditor for proof of the debt, if they had then they would know that there is no debt they have any record of reporting for me from XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I believe my personal information has been compromised, and I am taking necessary actions to protect my credit. 
Please find the details of the accounts that I request be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: IL

Complaint narrative:
I attempted to obtain my student loan disclosure and application documents from Discover Student Loans because I suspect that the terms of my loan do not reflect the loan that I originally signed up for ( conveniently, only this loan was a variable rate loan, whereas all of my previous loans with them had been fixed rate loans ; this is a significant difference in interest rates given recent rate increases ). I had recently received an email from Discover stating that it had ( unilaterally ) transferred my loan servicing to a new company, XXXX XXXX. When I attempted to obtain these documents from XXXX XXXX ' website by registering an account with them, the documents were not available. I then returned to Discover 's website to find the documents. They have documents pertaining to three ( 3 ) other student loans that I have with them and which they continue to service, but they did not have documents pertaining to a fourth student loan, which seems to be the one that was transferred to be serviced by XXXX XXXX. I then called their customer service and was eventually put in contact with a person who purported to help with my issue. That person stated that XXXX XXXX should have the requested documents and put me on hold, stating that she would speak to XXXX XXXX. After being on hold for a few minutes, she returned and stated that she could give me their phone number. I responded that I did not want their phone number as I knew that Discover had possession of these documents since I applied for the loan with Discover, but she pretended that she could not hear me on the phone and then hung up. I attempted to call back, was transferred to the same department, and received an automated message that their office had closed for the day at XXXX XXXX  ( it was then XXXX XXXX ). I am now unable to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I had received a secondhand XXXX XXXX camera lens from an XXXX seller on XXXX totaling {$59.00} that upon receipt was found to be defective with loose zooming function. I had sought Goldman Sach Apple credit card support to initiate a chargeback dispute when the seller had refused to credit me for the defective good. Goldman Sach Apple Credit Card did not provide me with adequte review of the dispute case and the concluded that charged amount to be ramined on my accoiunt. I believe Goldman Sach 's Apple Credit Card did not provide the card member service or support in resolving the disputed transaction. 

Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX XXXX Disputed amount : {$59.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Account Is Paid But Not Delete off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I couldnt believe my eyes when I saw inaccurate accounts listed on my credit report today. I have no idea where they came from. Ive always checked my credit regularly without any issues, but this time, something was seriously wrong. Even after refreshing my browser multiple times, nothing changed! Im requesting a thorough review of my documents so that I never have to face this kind of frustration again.

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 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: VA

Complaint narrative:
In XX/XX/XXXX XXXX updated my authorized Scheduled Recurring Payment Method for my Mortagage through PNC Bank and there is no way to unauthorize old payment payments from previous loan providers through their online portal. They said I signed a form but that never happened as my loan was sold to PNC from my previous Mortgage provider years ago. They are now charging me a {$30.00} non-sufficient funds fee because they did the XXXX separate payments for the normal Mortgage payment amount from XXXX separate checking accounts ( old account and new account ) without me knowing what would happen after updating my account online in XX/XX/XXXX. This is despite paying on time and in full for my required obligations. I didn't receive a letter notifying me of the issue until XX/XX/XXXX and called them as soon as I received this notice as I didn't receive any electronic or phone notice for the {$30.00} non-sufficient funds fee. On XX/XX/XXXX They told me I had to call them to update it which I had no idea about and that was not disclosed anywhere on their website when I updated my mortgage payment account. I have paid on time and in full the entire time since PNC assumed my mortgage from another provider and it seems unfair to me as a financially savvy person to have to pay this {$30.00} fee despite my efforts to do everything correctly!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 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: MD

Complaint narrative:
I found errors on my credit report under 15 USC 16c-2. The listed inquiries weren't authorized by me, and theyre damaging my credit. Please delete all unauthorized hard inquiries. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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 2024-10-24 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: TX

Complaint narrative:
I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. EQUIFAX IS GOVERNED BY 15 USC 1681, AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW, BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681, I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN OR VERBAL PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I called them about a dispute for a dishwasher and microwave that were damaged and installed improperly which caused an insurance claim of approx XXXX. Since the problem existed the store stopped dealing with me claiming its an insurance matter so I called CITI Group who owns the Home Depot card On XX/XX/XXXX they sent a letter that the matter was resolved in my favor for XXXX cents Then on XX/XX/XXXX they sent a letter saying it was reversed. I called because I had to answer by XX/XX/XXXX and the letter arrived XX/XX/XXXX. So there was no way to respond fast enough When I called the gentlemen said, no, there is a new letter you haven't received saying it been switched back. I never received the letter. 

I called today and they have no clue why the guy lied and they have no letter. 

This whole matter started because they won't take the product back or fix it because it destroyed my house for over XXXX and XXXX XXXX co says talk to them and they say talk to insurance. The house is fixed only because I made a claim because Home Depot was railroadiing me.

given this nightmare, I don't think I should pay them anything for the work and product they won't let me return.

This is why I am counting on CITI who now has flip flopped and lied to me.

Nobody at HOME DEPOT or CITI will deal with this.

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 2024-10-24 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: WA

Complaint narrative:
Company closed an unresolved complaint and marked it as duplicate which is not true. This is the seventh unresolved complaint since XX/XX/year> that the company closed by marking it as a duplicate. It is my belief the company is attempting to get around answering the complaints by marketing them as duplicate with no proof of duplication. 

The following complaints were closed as duplicate by MOHELA without providing responses : XXXX XXXX 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I see there is a public record on my credit report that is inaccurate. I reached out to the bankruptcy court and they verified that they do not report bankruptcy information to credit bureas.i would need for this to be investigated

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I see there is a public record on my credit report that is inaccurate. I reached out to the bankruptcy court and they verified that they do not report bankruptcy information to credit bureas.i would need for this to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO

Complaint narrative:
On XX/XX/year>, I was turned down for a loan that would have allowed my spouse, XXXX XXXX to undergo potential lifesaving XXXX experimental XXXX treatment at MD XXXX. I have had perfect credit my entire adult life. With a XXXX XXXX XXXX, I reached out to the credit reporting agencies. I found a collection on my credit which lowered my score XXXX points. The collection was reported by Conserve Collections. First, I have never received a letter nor a phone call or email from Conserve. A letter, phone call or email is required under the FCRA. Second, I had no idea what the debt was for and disputed the debt. I discovered the debt is from XXXX XXXX XXXX XXXXXXXX. The debt as reported is not an amount I owe, moreover, under the Colorado XXXX, all student debt is in forbearance until the XXXX is complete. I do not owe this debt, the debt is proven to be the wrong amount of any tuition I would have had and I was never notified of any collection efforts by XXXX or Conserve Collections as is required by Federal Law FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

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 explanation