vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: NJ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 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 2024-09-20 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: NJ

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized collections being reported on my credit report by XXXX. I have previously requested that the debt XXXX reporting these accounts cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease and desist request.

Despite this, these debt collectors are still reporting the accounts to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.

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 2024-09-20 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: MO

Complaint narrative:
These late payments do not align with my usual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX/XXXX/Equifax XXXX - XXXX Account Number : XXXXXXXX XXXXXXXX/Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX/Equifax XXXX - XXXX Account Number : XXXX XXXX/Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NJ

Complaint narrative:
I have contacted Discover numerous times over the past several years with no results. I last contacted them in XXXX of this year to inquire what they are charging me for since I have not made a payment in over 10 years which they agreed no charges were placed. I requested a statement of charges which they stated they could not provide since it is more than 10 years ago. I have in good faith paid the monthly bill often more than the minimum payment along with several large lump sum payments over the years. However, Discover continues to bill me without explanation. I have spoken to several department managers, they're pre-scriptive answer is good luck, they can not do anything more for me. I have been a XXXX XXXX for more than 30 years and I have NEVER encountered such poor customer service before. I have called them when I moved, XXXX in the past 10 years, to update their records, which in itself was an issue and took constant calling to finally get corrected. In so much Discover has also reported late payments a number of times which has been reflected in my credit history and has presented many problems with other creditors. These practices by Discover are FRAUDLENT, MIS-LEADING and DECEPTIVE to the consumer. I only ask to provide me with proof of past charges. Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
Request for proof of the charge off from XXXX  XXXX Account Number XXXX was never provided. 

First, the charge-off is continuing to report late payments even though the debt was charged off and is no longer owed to the original creditor. According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, the original creditor should no longer report additional late payments. Reporting late payments after a charge-off is both inaccurate and misleading. 

Second, I have noticed that the information being reported about this charge-off varies across the three major credit bureaus ( XXXX, XXXX, and TransUnion ) XXXX Each bureau is reporting different details regarding the account status, date of charge-off, and payment history. These inconsistencies further demonstrate that the information on my credit report is inaccurate and must be corrected to ensure compliance with the FCRA. 

I am requesting that you investigate this matter and take the necessary steps to correct the inaccuracies. Please update my credit file to reflect accurate information or remove the erroneous charge-off reporting entirely. I expect confirmation of your investigation and any changes made within the 30-day time frame mandated by law.

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 2024-09-20 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Closed Case : XXXX - I opened a dispute on the above case number for Innovis to provide documentation to validate the information they are reporting on my consumer file. The closed case indicates that XXXX XXXX provided them with a certified copy indicating the debt was valid. I have not received this certified document from XXXX XXXX or Innovis yet Innovis is still reporting this information negatively, despite providing them with statements from XXXX XXXX indicating there was a {$0.00} balance upon the account being closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio
State: MO

Complaint narrative:
I've received collections calls on a debt that I am unaware of, I've received no formal written notification of the debt. A representative, XXXX XXXX, who states his client is Vance and Huffman has contacted me 12 times from XXXX. Contacted family members and former employer to conducted a wage assessment and asking the representative at the former employer if they new me personally. They've stated that I agreed to a 2 payment settlement which is untrue. They offered a 2 payment settlement and a 6 month payment settlement verbally. I advised that I was unaware of the debt that they were speaking about and I'd need to do further research. They ( XXXX XXXX continued the spam calls and calls to outside sources that were not me. I contacted XXXX today ( XX/XX/year> ) to state that they are harassing me over this debt to which XXXX then stated I had agreed to resolve and hung up on me. Then called me back and stated he would advise his " client '' that I had no intention on paying and would pursue legal action and again disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TN

Complaint narrative:
Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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 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.

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
I have looked on my credit consumer report an Capital One is reporting one my report an I never had a Capital One card or account I read that in the u.s. codes that its illegal for them to put wrong information on your credit report I called an request the original documents but no response can you help an here are the u.s codes 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 1. Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 2. Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 3. Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 4. Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 5. Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not linked to the listed creditors, and I did not authorize these inquiries.

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 2024-09-20 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I'm writing to you about a problem I'm having with my student loans. I was recently transferred to a new loan servicer, Ed Financial Services. Right after the transfer, they took a {$1000.00} payment from my account on XX/XX/XXXX. The problem is, neither my old nor my new loan servicer can figure out where that money went. 

I've been in contact with Ed Financial Services since the end of XXXX, and they just keep saying they're looking into it. At this point, I'm really concerned because the money is still missing from my account, and I haven't gotten any answers. 

I'm hoping the Consumer Financial Protection Bureau can help me get to the bottom of this. It would be great to get some answers and get this problem resolved. 

You can reach me at XXXX if you'd like to follow up with me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
According to code us 15 U.S. Code 1681 ( e ) 15 U.S. Code 1681 ( i ) any account on my credit report showing a charge off can be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: CA

Complaint narrative:
Klarna, a buy now, pay later service, was a service I had used to purchase a customized mask for cosplay purposes. This specific item would have taken multiple months to create even going past the 100 Day policy to file any claims with Klarna. 

The reason I mention this is because 3 months after the purchase ( as well as frequent update checkups by the merchant ), I was unfortunately scammed after being ignored by the merchant. 

I was in an irritating back and forth cycle with Klarna and XXXX, going from customer service representative to another. Each telling me that the other party was responsible for my refund. 

Klarna opened a claim for me in XXXX XXXX, and I had complained that I recieved no email to submit my proof backing up my claim of being scammed. 

Their response was to close and re-open my claim, but to my suprise I found out that XXXX had already given a response to the claim, supporting my refund, but since It was closed, XXXX assumed my issue was already resolved. 

A Klarna agent misinformed me with the presumption that I was able to open another case once It was already closed, which is untrue. 

I ended up filing a claim against Klarna in which I recieved a temporary credit of {$500.00} The investigation reached a decision that was not in my favor. The aforementioned temporary credit was revoked from my checking account, but Klarna still had re-opened my payment plan claiming I still owed them the XXXX XXXX 

I was just paid today on friday the XXXX, and discovered I was charged XXXX $ a 2nd time, even after my temporary credit was revoked. 

I can not even learn from being scammed and instead of losing my money once, Ive essentially been charged twice for the same order due to Klarnas Impatience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NJ

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
U.S. Bank had a {$500.00} bonus promotional offer for opening a new smartly checking account which required direct deposits being deposited into the account. 
I signed up for this promotional offer opening the account and had my employer direct deposits posted into the account. 
But the bank is not honoring the promotional offer and denying the bonus by saying that the deposits in my account are not employer direct deposits but an internal funds transfer initiated by me. This is not true and I am not sure how they came to this conclusion.

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 monetary relief