vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I contacted this company today, XX/XX/year>, to set up a payment arrangement. The first person I spoke with, XXXX, was eating while talking to me and was unprofessional. She gave me the address, phone number, and account number without telling me what it was for. I asked her if I could set up a payment arrangement and have the payments automatically withdrawn from my bank account instead of mailing payments in and she said no. She also said if I mail in the payments for any amount other than the balance in full then they would not be accepted. I asked to speak to a XXXX and she refused to transfer me. I asked to be able to speak without being interrupted and she immediately interrupted me and put me on hold, which seemed very intentional. I took a few moments to gather myself after this extremely upsetting interaction and called back and requested a XXXX. I was transferred to XXXX XXXX who seemed nice at first. As soon as I said I want to set up a payment plan, a switch was flipped and he became extremely abusive. He yelled at me and said XXXX a debtor, pay your bills! and hung up on me. I feel extremely bullied by this company. I previously filed a CFPB complaint for this same issue and was offered a payment arrangement after that complaint and even after attempting to explain that to XXXX and XXXX XXXX ( XXXX sure those are aliases ) they did not seem to care. I will also be seeking legal counsel regarding this company because the way they speak to other human beings is unacceptable.

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 2024-11-01 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX  Subject : Dispute of Unauthorized Hard Inquiries I am writing to dispute unauthorized hard inquiries listed on my credit report. I did not authorize the following inquiries and request their immediate removal. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose. 

XXXX ) XXXX XXXX XXXX open XXXX says jointly and I have no knowledge of this and needs to be removed immediately. 
XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XXXX Open XX/XX/XXXX XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, And all the rest of the pictures down below

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 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I reached out to the Company to get a copy of the account in question or verification of the account that is more than XXXX XXXX XXXX, but they Refused to provide me with any proof of original contract or a signed contract between myself and their company. They refused to remove the fraudulent account and they continue to update the account to my credit report as if it recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CT

Complaint narrative:
the company XXXX sent me a email telling me that i am not responsible for the {$4500.00} amount. I had filed a dispute with Experian.com to have the debt removed from my credit report. and on XX/XX/year> experian stated that the creditor said the information is accrucate. This the creditor and experain has caused me to be denied loans because of this debt on 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
Consumer complaint received 2024-11-01 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
on XXXX I called Ally about them posting a 30 day late payment on my consumer report. They hung up on me. Later that month I wrote them to investigate my claim per 15 USC1666b timing of payments for proof in writing of late payment. they did not provide that. As per 15USC1681sec604 ( A ) I did not give them permission to report a late payment. I request that you the CFPB contact Ally financial to remove the negative remark from my consumer report. 

Please & thank you XXXX XXXX XXXX. the late payment that Ally refuses to remove is on XXXX of 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My acct XXXX had a negative balance XXXX. Please contact headquarters of bank of America and ask them to leave that negative XXXX. Then transfer XXXX. To new acct. XXXX I have XXXX XXXX I can't get to ss. Without my XXXX. XXXX. Case XXXX of Path XXXX XXXX. 

I almost DIED AT SOCIAL SECURITY LAST TIME I WENT. 

RESPECTFULLY, AND WITH LOVE, XXXX AND 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 explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of Experian to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : XXXX : XXXX marked as 30 days late, although previous payments were timely. 
Experian : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
XXXX : XXXX a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my MACYS/CBNA account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( XXXX ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
Equifax : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not liable for this debt with the check cashing store I do not have a contract with XXXX and XXXX XXXX, I was never provided with any contract whatsoever.

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 2024-11-01 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: GA

Complaint narrative:
I am not liable for this debt with the check cashing store I do not have a contract with XXXX and XXXX XXXX, I was never provided with any contract whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
MY CREDIT REPORT IS CURRENTLY NOT ACCUATE AND I WOULD LIKE THESE ITEM REMOVE SO MY CREDIT REPORT CAN REFLECT THE CORRECT IMFORMATIONS. 
ACCOUNTS THE XXXX XXXX XXXX INQUIRES XXXX XXXX BANK XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section XXXX of the fair credit reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: LA

Complaint narrative:
On Tuesday XXXX i woke up to see a XXXX transaction on my account i immediately contacted my bank cancel my cards and submitted a dispute a week later I received an email saying my dispute was denied after talking with customer service they asked for more information I sent XXXX different emails from the company that appeared for the transaction the emails told me to contact my bank and ask them to dispute the transaction because XXXX cant tell me what account my card was used for and it wasnt mine because I pay only XXXX for prepaid XXXX XXXX and the money wasnt applied to my account my bank denied it so I filed a police report submitted more information and they denied me again actually they denied me 8 times Im on XXXX XXXX and Im behind in my bills because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear XXXX I am writing to formally dispute a fraudulent account that appears on my credit report. This account is unauthorized, and this result of identity theft. 
Fraudulent Account Details : Creditor : XXXXXXXX XXXX Account Number : XXXX Reporting Agencies : o TransUnion XXXX XXXX XXXX XXXX I request that you investigate this is a fraudulent account and I have filed an FTC report, I want this to be removed from my credit report. I have not authorized this account, and it is negatively impacting my XXXX XXXX. 
I have attached copies of my identification, and any supporting documentation related to this matter. Please confirm receipt of this letter and provide updates regarding your investigation. 
Thank you for your attention to this serious matter. 
Sincerely, 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 2024-11-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account 15 USC 1692 Dear XXXX I am writing to formally dispute a fraudulent account that appears on my credit report. This account is unauthorized, and this result of identity theft. 
Fraudulent Account Details : Creditor : XXXX AUTO Account Number : XXXX Reporting Agencies : o XXXX XXXX XXXX XXXX Equifax I request that you investigate this is a fraudulent account and I have filed an FTC report, I want this to be removed from my credit report. I have not authorized this account, and it is negatively impacting my credit score. 
I have attached copies of my identification, and any supporting documentation related to this matter. Please confirm receipt of this letter and provide updates regarding your investigation. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of Equifax to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : XXXX : XXXX marked as 30 days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a 30-day late status despite consistent timely payments. 
Equifax : Records a 30-day late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite two previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief