vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Account has been re-aged and shows 2 different years in the date of last activity! Remove for violation of 5 US Code 1681a ( 4 ) by reporting mis-information. Please see the credit report attached. If this is not removed within 15 days, I will be taking this to small claims court. Attached is the credit report and the letter sent to the creditor, which is dated, and time stamped.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
On Wednesday XX/XX/XXXX the included background check result was emailed to me by XXXX XXXX, whom is a First Advantage Customer Care Representative - SR # - XXXX. On the 6th page of the attached report, the " Score Result '' is listed as Decisional. Meaning, XXXX 's XXXX XXXX was deemed responsible to make a decision of if I am eligible for hire at the XXXX, Georgia XXXX Fulfillment Center located at XXXX XXXX XXXX XXXX. After speaking with numerous amounts of customer care representatives both at XXXX and First Advantage, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. Zero or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a XXXX, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported and the account with XXXX is FRAUD. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide documentation used to determine inquiry and XXXX account was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used and signed application with consumer WET INK SIGNATURE. Consumer is not asking for an E-Oscar report. If EXPERIAN does not have documentation to show these were in fact authorized, it must be removed asap. Said company is liable under the SEC to follow certain rules. EXPERIANS Commission file number is documented. I will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their Consumer File NOT Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: GA

Complaint narrative:
XXXX XXXX, I purchased a bed from Amercan First Finance in the amount of XXXX. I have paid each month on time since, I received an extension for my last payment to be deducted for XXXX XXXX. I was informed by a represenative that since i did not make the final payment on XXXX XXXX, that i would incur another amount for XXXX. They explained to me that it is in my contract, I was never told verbally that this would be the case, or the was the date to make that last payment. I called today thinking this was be my last payment. I refused to make a payment with this new stipulation that they are verbally informing me about now. I do not want this to become an issue with my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft All of my information was exposed in an XXXX Data Breach.This terrible crime has affected my bank accounts and other very important things that ruins lives.I advised this company ( Toyota Financial Services ) of this and sent proof of the XXXX breach they did nothing at all and im also suffering from the Death of my mother.I asked if there was hardship available for customers and they denied having anything available to assist with a XXXX balance.I had been a customer since XXXX XXXX  until XXXX XXXX.I received condolences of the passing of my mother but no resolution.This company also advised me of their system being behind in reporting payments which caused errors in reporting to my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Being downloaded is a Debt Validation Letter to Experian pursuant to 15 U.s. Code 1692g - Validation of debts, and 1006.34 Notice for validation of debts. 

I am requesting Debt Verification from Experian in their investigation results from [ XXXX XXXX XXXX XXXX ], I have a right to request all records, pertaining to the sealed eviction record, that is sealed from general public, I want documentation to show how they came up with the " Debt being verified as Accurate ''. I want the documentation they requested from the company to know what is being submitted to Experian, and I want documentation regarding how Experian investigated, and what evidence they obtained to verify the debt is verified as accurate. I do not want incomplete documentation, and I definitely do not want to be ignored, and recieved no response from Experian, I have a right to know what is being reported, all records so that I may review them, and dispute any, and all innacurate information, being submitted to Experian from XXXX XXXX XXXX XXXX in their investigation, I want Experian to send documents from XXXX XXXX XXXX XXXX, pertaining to them being licensed in the state of California as A licensed Debt Collection Agency that Collects on Public Records, Experian needs to provide with this companies License number so that I may be able to investigate to see if they are authorized to collect doing business as a third party collection agency, I want validation, that they are permitted by the courts to release the public record to the general public, to include credit reporting, after the ( record was sealed from the general public ) .meaning it is prohibited from appearing on my credit report. ( 2 ) I want Experian to verify the case number that is on the documents submitted to exclude any fictitious fake account numbers that XXXX XXXX XXXX XXXX tries to give them to verify it is a valid collection, I want Experian to verify and list in their paperwork submitted to me the original Case number XXXX, I want to know why Experian deleted the public record, and re-inserted the sealed record back on to my credit report, when Experian no longer reports public records, or judgments, I want an explanation as to why it has been re-inserted a total of 20 ( X 's ) after deleting it 20 ( X 's ) exceeding the re-insertion limit, Experian has a total of ( 30 ) days from the date they receive this it

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off XXXX. 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 XXXXXXXX

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Payment on my American Express card was due Sunday, XX/XX/XXXX. In error, I scheduled payment for the full balance for Monday, XX/XX/XXXX, resulting in an interest-on-purchase charge of {$250.00} and a late fee of {$29.00}. Amex agreed to waive the late fee and credit back {$100.00} in interest as an accommodation but would not waive the full amount of interest. 

This is an outrageous business practice that the Bureau should address by amending Part 1026.10 to require card issuers to consider a payment received on a Monday as made on time when the payment due date falls on a Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

For Open Account Invalid Latepayment XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc.
State: OK

Complaint narrative:
My payfare XXXX XXXX XXXX through XXXX XXXX  stopped working... .I called them from a gas station where my card would not work at the pump ... in the store... or at the atm... .I called XXXX XXXX..they verify it's me... they transfer the call to XXXX XXXX... on hol 45 minutes ... they hang uo ... .multiple times ... .I know they get my calls because they send me emails... XXXX... to be exact... I've responded to them all ... still card does not work ... .I was left stranded over Nighy ywo nights two days because I could not even put in gas ... ..this has happened multiple times..once in XXXX and it took 30 days to get it fixed and I lost my apartment because of it ... I hadd to move ... because I could not access my money ... ..they fixed it ... 3 months later they screwed it up again same thing... so ... this is the third time this card has put my life at risk sleeping in my car at a gas station because this card doesn't work ... .a police officer came to help me... I called to see of I should file a complaint ... he told me about you. Gave me the info and he even pulled XXXX dollars of his personal money put to help me after reading the emails and seeing the calls... I even called XXXX while officer was there he heard the whole conversation and said I need to make a complaint ... .it 's violating me in XXXX different ways in regards to federal law ... I feel like I've been discriminated against I feel like I've been robbed... abandoned ... and they did nothing knowing my XXXX  needed me..I jad to pay XXXX extra to my baby sitter because of getting left at the gas station all night ... ..that was last week ...... well... today it happens again ... card doesn't work... I jave money I earned and they will not give it to me after o er XXXX  emails and XXXX  phone calls ... ..they basically used my car my gas putting my life at risk and took my money and refused to help me by fixing my card ... ..it has to be a refusal because they could've fixed this day one... .the refused..or didnt ... either way it has cost me alot and all because they don't have customer service at all ... .I want my money..I want to sue them in federal court for my money plus the expenses and trauma it has cost my family... this is absolutely horrible situation nobody should have to go througb ... I work hard ... ..this is not fair. It XXXX XXXX XXXX XXXX XXXX to know people will use me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : XXXXProof that you either own or were assigned the debt from the creditor XXXXProof that you have the right to collect this debt in my state XXXXProof that your company carries a bond XXXX.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor XXXXName and address from the original creditor XXXX.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

For Open Account Invalid Latepayment XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. 

For Open Account Invalid Latepayment XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief