vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Last XX/XX/XXXX, a company conducted a hard inquiry on my account. I've never heard of or had any dealings with this company. I reached out to XXXX and went through their fraud department to have it removed, and I also froze my account. 

In addition, I filed a report with my local police department. Upon calling the number listed on my credit file, I found that it was disconnected ( see attached ). 

There was a name, XXXX XXXX, associated with the XXXX inquiry, but my research on this lead reached a dead end. Upon reviewing my credit report again, I noticed that the same company made another hard inquiry on XX/XX/XXXX. I contacted XXXX again and filed an additional fraud case. They advised me to report the incident to ftc.gov and file another police report. 

XXXX is puzzled as to how a hard inquiry was possible despite my account freeze for the past year. 

I am uncertain about this company 's intentions, but their repeated hard inquiries on my credit report suggest they may be deliberately trying to damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DISCOVERBANK XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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. 


XXXX XXXXXXXX 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

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 explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Loan terms Dispute : On XX/XX/year>, I visited Raymour & Flanigan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I spoke with a sales assistant named XXXX XXXX. During our conversation, XXXX XXXX assured me that I would not be required to make any payments for XXXX months on my furniture purchase. Based on that I bought additional items. 
However, XXXX months later, I received a communication from TD Bank stating that I was behind on monthly payments, resulting in finance fees and overdue payment charges. On top of the {$10000.00} for the items I bought. I asked why I had received no bills for XXXX  months. 

Address Discrepancy : The TD Bank representative said that they had sent out bills to XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX. I have not lived there for more than XXXX years and did not give that address to the Raymore Flanigan Sales Representative. I used my XXXX  drivers license as proof of my ID and provided the address on my XXXX XXXX license to XXXX XXXX during the purchase process. 
My current address, as reflected on my XXXX drivers license, is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I provided this address and my XXXX  XXXX license to XXXX XXXX during the purchase process. As well as the address that the furniture was delivered to, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX. 
Conclusion : I value transparency and consumer rights, especially in the case of such a large sum of money and I concluded that this is some type of coordinated organized effort involving a coordinated scheme to obtain a profit through an illegal activity. 
This misrepresentation of the terms of the loan and the false investigation by TD Bank constitutes an unfair practice and a misrepresentation of practices, I trust that your office will take appropriate action to rectify the situation. 
Thank you for your attention to this matter, and I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
A Debt collection received in the mail from Midland Funding llc on XX/XX/year> for {$3400.00} For XXXX in which I never have account with before. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
The company has failed to removed this collection from all three credit bureaus as of today it is still reporting on XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
Transunion is reporting inaccurate and or information that does not belong to me nor authorized by me. The following inquiry is not authorized by me : - XXXX XXXX XXXXXXXX - XXXX On XX/XX/year> I requested a credit freeze on my file as well as called Transunion.

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 2024-06-05 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: MI

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I reached out to the company NCS  and the address associated with the debt was not to any address I have ever lived or to anyone I know. I requested copies of all XXXX and agreements. Which hasn't been provided to date to me or the bureas they just say they verify the debt which isn't enough. The information was removed from XXXX when this information could not be produced to me or to them. When contacting NCS then XXXX, XXXX on XX/XX/XXXX they said they validated the debt to me but had not and would not provide XXXX or me any agreements, XXXX or items that link me to the clearmont crossing address for the debt. I then filed police report and XXXX to have on file and complaint to CFPB. If this debt is valid to me show me the application, show me and the bureaus where I signed an agreement or lease is The {$4500.00} debt reporting by National Credit System is fraud Ive never lived at the address and there is no public record of me receiving mail at such an address or owning it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-05 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: WI

Complaint narrative:
I am writing to bring to your attention a serious issue regarding my credit report. Despite multiple disputes submitted to your bureau, I have only received stall letters without any substantial verification of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MD

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 non-monetary relief
Consumer complaint received 2024-06-05 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-05 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-05 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: MI

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-06-05 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: MI

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-06-05 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: PA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, PA XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear EQUIFAX, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account. FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 

Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

" Chapter XXXX Bankruptcy '' with Reference # : XXXX. 
Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 

Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the E-Oscar system that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 

Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 

I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 

I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation