vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
There are accounts on my credit report that are presently connected to ongoing litigation. As these cases are still pending, their current inclusion on my report is unfairly affecting my credit score.

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 2024-12-03 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: FL

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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC SYSTEMS DEBT NOT OWED REMOVE FROM MY CREDIT REPORTS. 
THANKS

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 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 2024-12-04 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: PA

Complaint narrative:
My account with XXXX EXPERIAN 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. 


XXXX EXPERIAN 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 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexis-Nexis is reporting inaccurate claim information from XXXX XXXX that I filed three claims. The information contains a claim amount of {$99000.00} paid to me that is blatantly false. Another claim is about a XXXX loss of a XXXX balance which is an inaccurate claim. I dispute these three claims which are inaccurate and erroneous which has caused me tremendously financial hardship. My home owners insurance increased from {$2500.00} a year to {$10000.00} a year which I can not afford. I am not able to find a new homeowners policy because no company wants to insure me. Moreover XXXX XXXX cancelled my homeowners insurance and only insurance I could fined was the {$10000.00} annual policy. Lexis-Nexis has failed to delete this inaccurate information. They are liable for my financial difficulty causing me undue hardship. Lexis.Nexis must delete these 3 inaccurate claim information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Requested United Revenue provide documents of service dates, payments made and outstanding balance for charge off amount. Including insurance negotiated rate of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: DC

Complaint narrative:
I am filing this complaint to address persistent inaccuracies in my credit report from Equifax. Despite previous attempts to resolve these issues, the inaccuracies remain unresolved and continue to harm my creditworthiness. 

Specific Items in Dispute : XXXXXXXX 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 Issues Identified : Inconsistent or unverified reporting across multiple data points.

Failure to provide evidence substantiating the accuracy of negative items.

Violations of federal standards, including the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, requiring maximum possible accuracy and completeness.

Requested Resolution : I request : 1. Immediate removal or correction of all disputed items. 
XXXX. Evidence confirming compliance with federal regulations and industry standards. 
XXXX. Written verification from a qualified individual attesting to the accuracy of any retained information. 

Impact : These errors have resulted in unfair denials of credit and increased financial burdens due to higher interest rates. 

I urge Equifax to take immediate corrective action to resolve this matter within 7 days to avoid further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I've had an account with destiny Mastercard for the past few years and it was a use incase of emergency card, since opening this account it has been non stop with my payments not going through and my autopay being shut off randomly. they are intentionally not taking my payments, refusing my payments and or stopping payments. it happened so often that i went and opened a new bank account and ruled that is was something to do with my bank as their customer service insisted that it was my bank. my car expired in XXXX of XXXX  and i have gotten multiple excuses why my card was never received, why my payments have not gone through or why my autopay has been shut off. how can a company illegally rack up fees and continue staying in business? i have not used the car for anything in a year yet my balance is {$100.00} because when i get my balance down the the last payment my account magically is hit with MULTI } PLE LATE FEES by telling me my payments did not go through i called in XXXX and scheduled a payment and the guy i spoke with was helpful, while i was on the phone he verified my bank account was updated, also verified that my autopay was setup correctly and this would no longer be an issue and yet tonight when i called i spoke with a woman that was a manager and she would not listen to what i was saying and continued to cut me off saying that i was wrong, i told her that i wanted to pay what i owed and close the account then was threatened with more negative impacts on my credit report and collections.

not to mention i received no billing statements, no phone calls, no emails... nothing and the only reason i seen i had a missed payment is because of my credit report notifying me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a dispute regarding the bankruptcy reported on my credit report. However, the credit bureau verified the account as accurate without properly reinvestigating the account. I was informed that the information was reported by XXXX, but this is not accurate. After obtaining a copy of my XXXX report, I can confirm that no bankruptcy is listed. I am attaching a copy of my XXXX report showing they are not reporting a bankruptcy. I have also contacted the XXXX Bankruptcy Court and they advised they do not report ANY information to ANY credit bureau! 

If the credit bureau is unable to verify or validate the information as required by 611 ( a ) ( 5 ) ( A ), I request that this account be deleted immediately. The bureau is already exceeded the 30 to 45 day timeline they have to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I recently submitted a dispute regarding the bankruptcy reported on my credit report. However, the credit bureau verified the account as accurate without properly reinvestigating the account. I was informed that the information was reported by XXXX, but this is not accurate. After obtaining a copy of my XXXX report, I can confirm that no bankruptcy is listed. I am attaching a copy of my XXXX report showing they are not reporting a bankruptcy. I have also contacted the XXXX XXXX XXXXXXXX and they advised they do not report ANY information to ANY credit bureau! 

If the credit bureau is unable to verify or validate the information as required by 611 ( a ) ( 5 ) ( A ), I request that this account be deleted immediately. The bureau is already exceeded the 30 to 45 day timeline they have to validate this 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 2024-12-04 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent on my report. Please remove these accounts from my reports. Please remove these accounts from my reports, they are hurting my ability to obtain credit. Also, they are numerous of different names, phone numbers and addresses that need a to be removed.

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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am on XXXX XXXX with the XXXX XXXX XXXX XXXX, and my wife, a military Dependent applied for the American Express XXXX XXXX under the Companys program for a fee waiver for XXXX XXXX and their dependents. 

We applied for the fee waived card on the following dates : 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  and XXXX XX/XX/XXXX. Often, we never heard anything back from American Express, we would have to call back to find out the status of our case. Infrequently, we would receive a text message from American Express, stating that my wife was not eligible under the Military Lending Act, but we never received any notifications after XXXX XX/XX/XXXX, even though we had applied 4 additional times. 

When we contacted Customer Service at American Express, we were told either that we would need to start a new application or that our issue had been elevated for further review. However, we never heard anything back from American Express regarding their claim that my wife and I were not eligible, despite our providing the American Express Customer Service Agent documentation from the Department of Defense Military Lending Act verification site that we were both covered by the XXXX. The XXXX XX/XX/XXXX interaction with American Express was made from a XXXX XXXX XXXX Assistance Office, with the attorney sitting in on the call and able to provide documentation of our status. Following the call, American Express never replied to us or him.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The amount they say I owe is {$870.00} and I have disputed to verify the debt but have not been given any additional information regarding the origin of the amount owed. I also have not agreed to my debt and information being sold to any collection information, and according to fair credit reporting act 15 u.s.c 1681, XXXX and whoever the origin collector is have not respected the consumer 's right to privacy ( me ), been accurate, relevant, and confidential nor informed me to know what is in my file. I am requesting the debt to be removed immediately from XXXX 's system and the original company for violating these policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: SC

Complaint narrative:
Please ensure these unauthorized accounts are promptly blocked and removed from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
Over the past year or more I have provided PSLF forms and employment documentation. I also recently attempted to apply for a lower monthly payment and was denied the payment plan and my loans were placed into forbearance which was not requested on my behalf and during forbearance any payments that are made do not go towards loan forgiveness. In the past I was told that the number of years worked with previous employers did not satisfy the 120 payments. The results should be assessed due to many loan providers recently being scrutinized by not providing accurate information and overcharging clients that are not in my best interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint regarding Goldman Sachs and the Apple Card for their failure to resolve recurring unauthorized Apple-related charges on my account and for reversing prior credits without explanation.

Issue Summary : 1. Unauthorized Charges : Since XX/XX/XXXX, recurring Apple-related charges have been billed to my Apple Card despite my prior Apple ID being deactivated in XX/XX/XXXX. My attempts to obtain an explanation or resolution from Goldman Sachs and Apple have been unsuccessful.

2. Reversal of Credits : Some charges were temporarily credited but were reversed without any notice or justification. This includes disputed charges that appeared continuously on my statements from XX/XX/XXXX through XX/XX/XXXX. 
3. Overpayment : Based on my reconciliation of charges and payments, I have overpaid {$21000.00} ( excluding a recent payment of {$330.00} to settle Apple installment purchases in full ).

4. Account Mismanagement : Automatic payments have been debited monthly from my checking account, exceeding my actual purchases, while disputed charges remain unresolved. 

In XX/XX/XXXX, my Apple ID of over 10 years was deactivated by Apple without my request. Apple confirmed this was irreversible and advised me to create a new Apple ID, that is not linked to the aforementioned Apple Card. Since that time : - My Apple Card account was billed for unfamiliar charges.

- I lost access to review charges from the deactivated Apple ID.

- Neither Apple nor Goldman Sachs has provided clarification on the origin of these charges. 

Despite my efforts to dispute these charges, they continue to appear on my account each month. The recurring charges suggest they stem from the deactivated Apple ID, which should not generate new transactions.

I disputed the charges with Goldman Sachs via phone. I continued making automatic payments to avoid penalties, trusting the matter would be resolved. On XX/XX/XXXX, Goldman Sachs closed my Apple Card account, with all permissions revoked except the repayment function. 
On XX/XX/XXXX, I sent Goldman Sachs a letter of dispute that I wish my Apple Card account to be reconciled, to determine the nature of the recurring and disputed Apple-related charges, and to credit my account as appropriate.

Company response to consumer: Closed with explanation