vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: WI

Complaint narrative:
My account with this company 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 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 XXXXOMPANY 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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a line of credit through NetCredit, which was originally backed by XXXX XXXX XXXX XXXXXXXX XXXX The account was later transferred to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Due to a system error on NetCredit 's part, my account did not progress through the appropriate collection servicing flow, which ultimately led to the waiver of my outstanding balance and the closure of the account by XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. NetCredit confirmed this through their response to my CFPB complaint on XX/XX/XXXX. 

While I appreciate the confirmation that the account has been closed and that the balance has been waived, NetCredit has failed to take appropriate action to remove all negative credit reporting tied to this account from the major credit reporting agencies. The company has stated that the process of reflecting the accounts closure in credit reporting may take 30 days, but they have not committed to removing all negative information, which continues to appear on my credit report. 

Actions Taken : XX/XX/XXXX : The line of credit was opened through NetCredit, backed by XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX : The account was transferred to XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : XXXX XXXX requested the account be returned and closed. 
XX/XX/XXXX : NetCredit confirmed the account was repurchased, the balance waived, and the account closed. 
XX/XX/XXXX : NetCredit confirmed the balance waiver and account closure but refused to commit to the removal of negative credit reporting. 
Amounts Involved : Original Credit Line : {$2800.00} ( Line of credit opened in XXXX ). 
Balance Waived : Full outstanding balance waived due to NetCredits error as of XX/XX/XXXX. 
Requested Resolution : Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and complete. Since the balance has been waived and the account was closed due to a system error, any negative information remaining on my credit report related to this account is now inaccurate and misleading. 

I am requesting the immediate removal of all negative information tied to this account from the three major credit bureaus ( XXXX, XXXX, and XXXX ) to ensure compliance with FCRA 1681s-2 ( b ) and FCRA 611 ( a ). This includes any late payments, delinquencies, or other negative remarks associated with the account from XX/XX/XXXX to its closure on XX/XX/XXXX. 

I expect this matter to be resolved within 30 days, with written confirmation that all negative credit reporting has been fully removed. 

Failure to comply with the FCRA and remove this inaccurate information will result in further escalation through legal and regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I sent certified mail letters, I called on serveral times and was hung up on. I was told since I had nothing reporting they put a old account back on my report and made up a method of payment. Deprived me of obtain credit, caused emotional distress. XXXX has : 1. Failing to disclose the true cost of credit as per federal regulations. 
2. Misrepresenting interest rates or fees associated with credit transactions. 
3. Any other actions that violate TILA and its corresponding sections of the U.S. Code. 

Failure to comply will leave me no option but to take further legal action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages as permitted under **15 U.S. Code 1640**.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My only names is XXXX XXXX XXXX I have never used another variation Multiple accounts listed with XXXX XXXX XXXX that is not my address XXXX XXXX is no longer my spouse and my last name has never been 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 explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
I contacted TransUnion XX/XX/year> at XXXX XXXX  at XXXX. I requested a dispute be conducted on an account that does not belong to me XXXX XXXX XXXXXXXX in the amount of {$1.00}, XXXX. This account does not belong to me, as it states it was opened on XX/XX/year>. I spoke to a rep. requesting original documents with my signature or any identifying information that ties me to the debt. I was informed by the rep. that I spoke with, that the account will be reviewed and documents will be provided to me, and if the debt collector does not provided the documentation then that proves the debt does not belong to me. The dispute was finalized, but the debt still appears on my credit profile, not once but twice. The same debt is duplicated, which I also informed the rep. of, but TransUnion has not deleted the debt nor corrected the duplication of the debt appearing on my credit profile. I have disputed the debt twice with no resolution. If the company can not provided documentation with my signature-which I did request on 2 different occasions, then the debt should 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 non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On my first complaint I stated that I was back charged over XXXX dollars at a rate of XXXX percent XXXX years on around XXXX. This was on my Lowes Synchrony Card. Now Synchrony has cancelled my card from XXXX XXXX XXXX even though there is a XXXX balance and also having been current even on the XXXX XXXX. This is punishment for sending this information to you department. I am sending my Account statement showing 64 percent interest added to my balance and also the letter from Synchrony Canceling my XXXX XXXX XXXX account card which had a XXXX balance.

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 2024-10-25 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: Early Warning Services, LLC
State: GA

Complaint narrative:
i, XXXX XXXX XXXX a trust fund baby and I DO NOT have, nor have I ever had, any bank accounts under my name and never applied for bank in my life. Once again I am not requesting an identity theft block am demanding the complete investigation and deletion of all inaccurate and unauthorized banks accounts listed on my Early Warning consumer report. My initial dispute I ask for investigating and deletion. Your response was to add an unauthorized ID block On XX/XX/XXXX and XX/XX/XXXX which is not what I ask you to do in my initial dispute. Early warning you have failed to address my clear instructions, which were to remove delete all bank accounts from my file. Let me reiterate, I am not here to negotiate or request a ID block ; I am holding you accountable for the full deletion of these fraudulent accounts. Delete all bank accounts in my filed not just XXXX. 
XXXX XXXX XXXX XXXX Dispute XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Dispute XXXX ), XXXX XXXX XXXX XXXX ( Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
DATE : XX/XX/year> JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2 ) What is your authorization of law for your collection of information? 
3 ) What is your authorization of law for your collection of this alleged debt? 
4 ) Please evidence your authorization to do business in my state. 
5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter. 
7 ) Please show proof of the assignment contract. 
Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. 
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. 
I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. 

I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt. 


Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: AZ

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 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 2024-10-25 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 writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account from my report at once

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Avant Holding Company, Inc.
State: MA

Complaint narrative:
I was fraudulently charged XXXX by avant- this over drew my bank an o have to open a new account now after having this account over 15 years. This was charged as an XXXX  on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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 disagree with 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 XXXX XXXX account # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-10-25 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:
I checked my credit report as usual this morning and found unauthorized inquiries with no explanation. After refreshing my browser to rule out a glitch, the inquiries were still there. Im really upset about this and need the documents Ive provided to be checked thoroughly to ensure this issue is resolved immediately and wont happen again.

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 2024-10-25 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: IL

Complaint narrative:
I cant believe what I saw this morningmy credit report had inaccurate accounts, and I have no explanation for how they ended up there. I check my credit regularly, and everything has always been fine, but suddenly, these discrepancies appeared. I thought it might just be an issue with my browser, so I refreshed it, but the errors remained. Its really frustrating and unsettling. Im requesting that the documents Ive submitted be carefully examined so that I wont have to deal with this stress anymore.

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 2024-10-25 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 sent certified mail letters, I called on serveral times and was hung up on. I was told since I had nothing reporting they put a old account back on my report and made up a method of payment. Deprived me of obtain credit, caused emotional distress. Experian has : 1. Failing to disclose the true cost of credit as per federal regulations. 
2. Misrepresenting interest rates or fees associated with credit transactions. 
3. Any other actions that violate TILA and its corresponding sections of the U.S. Code. 

Failure to comply will leave me no option but to take further legal action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages as permitted under **15 U.S. Code 1640**.

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