vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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  Subject : Dispute Regarding Late Payment and Violation of Consumer Credit Laws I am writing to dispute the treatment of payments on my credit card account under the open end consumer credit plan with your company. According to the laws outlined in the 15 U.S. Code, specifically sections 1666b, 1681a ( 2 ) ( 1 ), and 6802, it is evident that there have been violations of consumer credit regulations. 

XXXX. Timing of Payment ( 15 U.S. Code 1666b ) : The law stipulates that a creditor may not consider a payment late unless reasonable procedures are in place to ensure that each periodic statement, including the necessary information, is provided to the consumer at least 21 days before the payment due date. I have observed that the periodic statements from your company have not been consistently delivered within the specified timeframe, leading to confusion and potential late payment penalties. 

XXXX. Reporting of Information ( 15 U.S. Code 1681a ( 2 ) ( 1 ) ) : The law prohibits the communication of consumer information among related parties without proper authorization. It has come to my attention that there may have been unauthorized sharing of my personal information among affiliated entities, which is a clear violation of consumer privacy rights. 

XXXX. Disclosure of Personal Information ( 15 U.S. Code 6802 ) : Financial institutions are restricted from disclosing nonpublic personal information to third parties without providing consumers with a compliant notice. I have not received any such notice from your company regarding the disclosure of my personal information to nonaffiliated third parties.

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 2024-10-16 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:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Information Former : XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX - XXXX XXXX XXXX : XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX, XXXX, XXXX XXXX Known As : XXXX, XXXX, XXXX Also XXXX As : XXXX XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I appreciate your effort in providing some information regarding this matter ; however, I must bring to your attention that the documentation you provided does not fulfill the requirements for proper debt validation as outlined by the Fair Debt Collection Practices Act ( FDCPA ). 

I sent a written request for debt validation on XX/XX/year>. As per the FDCPA, debt collectors are legally obligated to provide certain information within 30 days of receiving a written request. 

Unfortunately, the documentation you sent ( a copy of a bill from the OC ) in response falls short of fulfilling these requirements. 

Specifically, the following information was not included : 1. Detailed breakdown of the alleged debt : The documentation you provided lacks a clear itemization of the debt, including the date of the last payment made, and any interest or fees that have been added.

2. Verification of your authority to collect the debt : The documentation you supplied did not establish your legal right to collect the debt. It is essential that you provide evidence demonstrating that you are authorized to act on behalf of the creditor. 
XXXX. Proof of written agreement : The documentation failed to include a copy of any written agreement or contract that substantiates the existence of the debt. It is necessary to provide a document bearing my signature or any other form of evidence indicating my acknowledgment and agreement to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: NH

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO ( Experian ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX  ) on XX/XX/year> under the XXXX account number. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-16 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: NH

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX ( Experian ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX ) on XX/XX/year> under the XXXX account number. These accounts have resulted in several fraudulent late payments appearing on my consumer XXXX Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-16 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: OH

Complaint narrative:
Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person

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 2024-10-16 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-16 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-16 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-16 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: FL

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 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 2024-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
Goldman Sachs is refusing to honor my SCRA ( Servicemembers Civil Relief Act ) benefits in accordance with XXXX  SCRA laws on my Apple Card. I am an XXXX XXXX XXXX currently stationed in Louisiana. I requested SCRA benefits on XX/XX/. I was denied benefits on XX/XX/XXXX XXXX XXXX I requested reasoning for denial and was told that It was because I got the card after joining XXXX XXXX. I then appealed the denial decision that same day stating that I was requesting benefits under XXXX  SCRA laws. I received an email today, XX/XX/, stating that the appeal was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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:
XXXX IS REPORTING ALL CLOSED REVOLVING AND INSTALLMENT ACCOUNTS AS CURRENT AND LAST ACTIVE AS OF XX/XX/year>. XXXX SHOULD DELETE AND REMOVE THESE CLOSED REVOLVING AND INSTALLMENT ACCOUNTS

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 2024-10-16 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: GA

Complaint narrative:
I am asking your help for this accounts as they are reporting inaccurately on my credit report and this has damaged my credibility as a customer. Please remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I WAS CONTACTED BY CREDIT COLLECTION LAST YEAR XXXXXXXX XXXX  AFTER THEY PLACED THIS UNPAID BALANCE OF {$850.00} FOR XXXX XXXX XXXX ON MY CREDIT REPORT. THEY PROMISED THAT ONCE I PAID THE BALANCE IN FULL THEY WOULD REMOVE THIS COLLECTION NEGATIVE REMARKS FROM MY CREDIT REPORT. I TOOK THEIR ADVISED AND I PAID THE BALANCE IN FULL THEY SUBSEQUENTLY REMOVED THE NEGATIVE COLLECTION REMARKS FROM XXXX AND REFUSED TO REMOVE THE NEGATIVE REMARKS FROM XXXX AND XXXX. 

CAN YOU KINDLY ASSIST ME IN GETTING CREDIT COLLECTION TO HONOR THEIR WORD BY REMOVING THOSE NEGATIVE REMARKS FROM XXXX AND XXXX LIKE THEY SAID THEY WOULD BEFORE I MADE PAYMENT IN FULL. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2024-10-16 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: GA

Complaint narrative:
I disagree the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the Fair Credit Reporting Act Public Law 91-506 title VI section 611 subsection A-D, please provide the name and business addresses of each individual with whom you verified the the information above, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 


Company Name : XXXX Account # 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 2024-10-16 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: PA

Complaint narrative:
The information on all 3 credit bureaus are different. There are inaccuracies on the XXXX XXXX. By law it should be removed from my credit report. Here are the inaccuracies. 
1. High Balance 2. Last Verified 3. Date of last Activity 4. Date Reported 5. Date Opened 6. Closed Date 7. Account Rating 8. Creditor Type 9. Payment Status 10. Last Payment 11. Days Late

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 2024-10-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was charged on my XXXX credit card by Experian XX/XX/year> for {$21.00}. I tried calling and going online for help several times, to no avail. All was automated, not able to talk to a real person. I now know from researching them this is their usual MO.

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 2024-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: KY

Complaint narrative:
I took out a loan in the amount of {$800.00} and have made large payments per pay check in addition to an extra {$100.00} principal payment. When logging in today expecting to only owe approximately $ XXXX my pay off amount had increased to over {$1100.00}. They are scamming working people and prying on their money that is not affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Keep getting phone calls before XXXX but no one ever answers. Called a number that was provided on a letter that was sent to me stating that a lawsuit has been filed against me and requested proof they were the original creditor but was told they would not provide anything unless I verified my name, which I did and then was told they needed my date of birth and mailing address. For all I know this is a phishing scam. Obviously they have my address if I told them I was calling about a letter I was sent from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America placed a {$2000.00} hold on my account back on XX/XX/year>. Despite me sending proof and supporting correspondence to clear up issue they have yet to remove the hold on my account. Its been 60 days and the bank refuses to release the hold on my account. I already have a previous complaint open about this. Im been given the run around each time and its 2 months in and the funds have not been released. The supporting documents i sent 100 percent clears everything up.

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