vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
According to the FERPA sharing information without consent is a violation to that law. Student loans are reporting to my credit report a is having a negative impact on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
This debt has been discharged as per the 1099-C I received. The balance and account information needs updated as a XXXX balance paid as agreed, as per the FCRA AND OR THE FDCPA. 
If it is not corrected ASAP I will contact the IRS as to what my options are!!!!! 

DISCHARGED DEBT FOR XXXX XXXX XXXX : NO ACCOUNT NUMBER

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 2024-07-08 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: PA

Complaint narrative:
This debt has been discharged as per the 1099-C I received. The balance and account information needs updated as a XXXX balance paid as agreed, as per the FCRA AND OR THE FDCPA. 
If it is not corrected ASAP I will contact the IRS as to what my options are!!!!! 

DISCHARGED DEBT FOR XXXX XXXX XXXX : NO ACCOUNT NUMBER

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 2024-07-08 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: WA

Complaint narrative:
This account was charged off in XX/XX/XXXX. Since the the date of last activity has been inconsistently updated. On Transunion the last active date is XX/XX/XXXX. On XXXX the last active date is XX/XX/XXXX and XXXX the last active date is XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same.According to the washington state 's fair credit reporting act ( RCW 19.182 ) requires credit reporting agencies to maintain accurate credit reports. Please delete this account from my credit report. 
Account Number : XXXX 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 2024-07-08 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-08 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:
I am writing to dispute the inaccurate, incomplete, and unverifiable information on my credit report obtained from your agency. This erroneous data is damaging my creditworthiness and financial stability. The reporting of this information appears to violate federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). The issues I have identified are as follows : 1. Inaccuracy : The reported information is incorrect and does not accurately reflect my financial status. 
XXXX. Incompleteness : The report is incomplete and fails to present a full and accurate picture of my credit history. 
XXXX. Unverifiability : I believe certain information in my report can not be verified or substantiated by the credit reporting agency. 

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to correct the inaccuracies in my credit report. Additionally, I ask that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a detailed written explanation of the findings.

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 2024-07-08 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 am writing to dispute the inaccurate, incomplete, and unverifiable information on my credit report obtained from your agency. This erroneous data is damaging my creditworthiness and financial stability. The reporting of this information appears to violate federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). The issues I have identified are as follows : XXXX. Inaccuracy : The reported information is incorrect and does not accurately reflect my financial status. 
XXXX. Incompleteness : The report is incomplete and fails to present a full and accurate picture of my credit history. 
XXXX. Unverifiability : I believe certain information in my report can not be verified or substantiated by the credit reporting agency. 

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to correct the inaccuracies in my credit report. Additionally, I ask that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a detailed written explanation of the findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a loyal American Express customer for 15 years. I have never requested a fee waiver in that time period. I pay my account in FULL each month. 

I noticed I was charged a {$40.00} late fee after the XX/XX/XXXX holiday. I was out of town for the holiday and logged onto my account the Monday XX/XX/XXXX after the holiday to pay my bill and noticed a {$40.00} late fee that was charged on XX/XX/XXXX even thought he previous month I had paid on XX/XX/year> in full and had a XXXX balance. 

I called American Express to get the late fee waived and was told this was denied. American Express indicated that I was late 1x previously in the 12 month period and this was the reason. I looked at my account and saw that I was in fact charged a {$29.00} late fee in XX/XX/year> but I had made 2 payments in XX/XX/year> and had a XXXX balance. They explained that my billing cycle was a random date in the middle of the month which was never explained to me or disclosed. American Express also never checked with me to make sure the billing cycle works for my needs ( a customer who paid every month in full ). 

The billing cycle used by American Express enabled them to charge fees and interest even though I pay my full account balance each month at the beginning of the month. They charge a late fee for activity after my account has been paid in full. The charges that are leveraged in their next billing cycle which is at the middle of the month are low in dollar amount ( under {$40.00} ) for which they then charge $ XXXX {$40.00} in late fees. This is predatory and abusive. 

The representative was not helpful on the phone. Did not acknowledge that I was a loyal customer, pay my account in FULL each month or that the billing cycle can be easily adjusted by American Express so that customers like me are not charged abusive fees. Instead he just said he could do nothing. 

- Poor customer service. 
-Not wanting to help. 
- Abusive practice in not disclosing fees will be levied -Abusive practice in not disclosing billing cycle - Abusive, predatory, and unfair practice of not contacting the customer about adjusting the billing cycle especially when customer has been loyal and paid on time and in full each billing cycle- American Express took advantage of the billing cycle being in the middle of the month after I had paid off my account in full so that they could charge fees to bolster their pockets and off the backs of loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: IL

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 2024-07-08 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: IL

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 2024-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AmeriCash Holding LLC
State: NJ

Complaint narrative:
Sorry, I am having trouble fitting my complaint into your format. This is about phishing scam/spams I am receiving - A LOT OF THEM - from XXXX. I can send you original emails at any time if you contact me. 
This one is " SpeedyLoan Reminder '' and " Your XXXX funds are wiating. Your account is already approved '' - WHAT ACCOUNT??? I have NO LOANS beyond my mortgage. I did not sign up for this, do not trust the source, and can't unsubscribe because I'm sure they'll just send me more if I try. Very frustrating. I've been reporting to XXXX  and also to ftc, but I'm not getting much traction there, still receiving these frequently. And they are NOT all about loans - who do these folks think they are? The send me stuff on getting loans, yes, but also refunds, and want to sell me a portable mosquito zapper, get me an unsecured XXXX, reminding me to schedule appointments, etc. etc. 
PLEASE DO NOT SHARE ANY OF MY INFO WITH THEM, AS I'M CONCERNED THEY'LL JUST SEND ME MORE OR SELL MY INFO TO ANOTHER PHISHING SPAMMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit has 2 accounts for cards that had {$500.00} limits, and have now inflated to over {$1000.00} each. I get at least 3-4 very aggressive calls everyday, some weekends as well. I'm met with hostility ; in the last call taken XX/XX/year>, I was yelled at, told I was being sued and they have the case number to move on if I don't pay. I've advised I tried to work with the creditors as I'm now unemployed and dispute the additional {$500.00} in fees on each card. I was ignored and passed to another agent that said the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please be advised that as of XXXX as listed on my most recently reviewed Experian consumer profile, there are several fraudulent / unauthorized inquiries listed : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> and XXXX XXXX XX/XX/year>. I, XXXX XXXX am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-07-08 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: TX

Complaint narrative:
My account with XXXX XXXX & was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days 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.

SYNCB/LOWNever 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 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: MA

Complaint narrative:
I am writing to formally dispute the closure of my XXXX XXXX XXXX XXXX XXXX which was closed on XX/XX/year>, due to an alleged inability to verify my personal information. I request that you provide specific details about what information could not be verified and the methods used in your verification process. 

Under the Fair Credit Reporting Act ( FCRA ), if the information can not be verified, it must be removed from my credit report. According to the FCRA, you are required to verify the accuracy of the account information reported to credit bureaus. If you are unable to provide verification, I request that this account be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: MA

Complaint narrative:
I am writing to formally dispute the closure of my XXXX XXXX XXXX XXXX XXXX which was closed on XX/XX/year>, due to an alleged inability to verify my personal information. I request that you provide specific details about what information could not be verified and the methods used in your verification process. 

Under the Fair Credit Reporting Act ( FCRA ), if the information can not be verified, it must be removed from my credit report. According to the FCRA, you are required to verify the accuracy of the account information reported to credit bureaus. If you are unable to provide verification, I request that this account be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation