vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center
State: IL

Complaint narrative:
I will need to file at least four of these complaints. I was in a car accident on XX/XX/year> where the other party was at fault. Each time I have been to the doctor or seen by a specialist. I have informed each that I was in the accident, however, they take my information, even when I provide the other parties carrier information. For this bill, I had to pay {$100.00} out of pocket apparently a co-pay. Now I have a bill for {$120.00} which is saying I will be sent to collections if I do not pay it. I have hired an attorney to handle the accident, I have been informed that the other party is refusing at this time to pay any of my medical bills apparently due to the lawyer being involved. So, my car insurance and health insurance has had to pay out. However, both have been exhausted. I do not feel like I should be penalized for this when it was not my fault, and the other party is refusing to pay at this time. I realize the companies need their money but that requires me as a single mom paying out of pocket for a medical bill that was not even my fault. I have tried to contact each of these creditors and only get that they do not get involved with accidents, and it still falls on me or my credit will be affected. I do not need my credit damaged ; I have been working hard to build it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-30 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: IL

Complaint narrative:
Remove these inquiries, please. I have no idea about this, and the company did it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
Kindly remove these inquiries. I have no knowledge of this, and the company proceeded without my authorization.

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 2024-06-30 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had reviewed my credit report and noticed that I had several XXXX posting to my credit report. I contacted the XXXX XXXX XXXX about this situation and they performed an investigation and notified me that the reported XXXX XXXX are not mine.

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 2024-06-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: IN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I placed an order to a person for a dress and paid them {$150.00} via cashapp on XX/XX/XXXX. I needed the dress for an even XX/XX/XXXX so I verified with the merchant BEFORE I placed my order I would have it in time. I continued to check in every two weeks and all I got was yes you will receive your dress in time it is still being worked on. It was on XX/XX/XXXX I asked for a tracking number for my dress which he did not have so I I initiated a refund as I know had to purchase another dress for my event. I have continued to try and communicate on the status of a refund and all he has said was Ill send it today I have to go to the bank I have all my messages from out communication and I have not yet receive my money. I tried to dispute it with cashapp but because he has accepted payment they can not do much more. I sent a request for a refund and he denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: WV

Complaint narrative:
They sent me a letter containing printed statements on XX/XX/XXXX and on XX/XX/XXXX sent a letter stating that they had conducted an investigation and below are the findings. 1 ). previous charges and payments ae explained in detail by the billing statements sent separately 2 ). The Account was opened XX/XX/XXXX XXXX ). You provided up with identifying information As a Result of the above, the account and balance are considered valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: Self Financial Inc.
State: MO

Complaint narrative:
I am writing to demand that [ SBNASELFLNDR ] immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a timely manner will compel me to pursue further legal action to protect my consumer rights. In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ SBNASELFLNDR ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation. I did not give written authorization for this account to be furnished on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MO

Complaint narrative:
I am writing to demand that [ XXXX ] immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a timely manner will compel me to pursue further legal action to protect my consumer rights. In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ XXXX ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation. I did not give written authorization for this account to be furnished on my consumer 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 explanation
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 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 2024-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Possible Financial Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX XXXX XX/XX/year> Possible Financial Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, Washington, XXXX Subject : Dispute of Debt Collection and Reporting Practices Dear Sir/Madam, I am writing to formally dispute the debt collection practices of Possible XXXX XXXX XXXX XXXX pertain to an account placed on my consumer report. This account, referenced as Account number : XXXX, has several violations of my consumer rights as protected under federal law. 

Specifically, Possible Financial Inc. has failed to provide the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) before placing this collection on my consumer report. This regulation mandates that debt collectors must provide certain validation information about the debt, yet I have received no such documentation.

Additionally, I have not been given the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This regulation ensures that consumers have the chance to challenge the validity of a debt before it is reported to consumer reporting agencies. The failure to provide this opportunity is a clear violation of my rights.

Moreover, Possible Financial Inc. is in violation of my consumer rights by using false, misleading, misrepresentative, and deceptive means in their collection practices. Such conduct is explicitly prohibited and is harmful to consumers.

It is also important to note that Possible Financial Inc. has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. The actions taken by Possible Financial Inc. are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which govern the furnishing of information to consumer reporting agencies and the responsibilities of furnishers to provide accurate information.

I demand that Possible Financial Inc. immediately cease reporting this account on my consumer report and remove any related entries. Additionally, I request that you provide all validation information related to this debt as required by law, and that I am given a proper opportunity to dispute this debt. 

Failure to comply with these requests will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please acknowledge receipt of this letter and inform me of the steps you are taking to resolve this matter within 30 days. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NY

Complaint narrative:
Kindly remove these inquiries. I have no knowledge of this, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
Can you delete these inquiries? I don't have any information about this, and the company acted without my approval.

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 2024-06-30 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:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
send me a signed lease showing that this is my account.

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 2024-06-30 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: MD

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I contacted American Express to change my XXXX XXXX XXXX card to the Delta SkyMiles blue card due to having an annual fee. I was assured by the representative that completed my product change that my credit limit of {$1700.00} would remain the same and that there would be no credit pull since all they were doing was a product change. XXXX days after my account was converted to the XXXX XXXX XXXX card, American Express lowered my credit limit to {$1000.00} stating that due to credit pull my score had gone down. During that few day period I made several purchases and paid them off the same day, I spoke with another representative that said my account would be re-reviewed and that someone will call me within XXXX business days, I never received a phone call and my limit remains at XXXX. I feel this is discrimination because I'm not giving American Express additional money from an annual fee and just because I downgraded my card, they decided to lower my limit. I've been with American Express for a few years now and have always paid my bill and paid off my credit several times in full in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NC

Complaint narrative:
hese inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation