vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This message goes out to XXXX and XXXX : My XXXX XXXX Credit card was reported inadvertantly or intentionally, out of cycle which caused my score to drop temporarily. As this week is when XXXX XXXX reports my account updates ( on the XXXX or XXXX ) this time, I expected all my FICO scores to rebound at a minimum to back to where they were prior to the misapp. 
Both TransUnion and XXXX have so far, but good ole XXXX has still not rebounded. The question is why? 

CFPB -> If I've made conspiracy-tpye assertions against XXXX, now you know why. Anyone truly studying my history with XXXX will scratch heads and go huuuuum. Why because there is always something going on with my XXXX credit profile that does not add up. 

My assertion is XXXX is on purpose teeter-toddering my score because they are targeting me for warning them of a massive class action suit that is for sure coming. That's the only explanation I can come up with as to why : - My XXXX score is so much laower than TransUnion - Small chnages have a minor impact on the the scores from the other 2 CRAS, yet can take a dive with XXXX - Credit limit advances seem not to matter with XXXX - XXXX was the only CRA that my XXXX credit card affected for being reported out of cycle. it did not occur for XXXX. How, XXXX reports to all 3? Hum. 

XXXX could attempt to make claims of busy operations and systems, however, everything is electronic, so updates are instant

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This message goes out to myFICO and Experian : My XXXX XXXX Credit card was reported inadvertantly or intentionally, out of cycle which caused my score to drop temporarily. As this week is when XXXX XXXX reports my account updates ( on the XXXX or XXXX ) this time, I expected all my FICO scores to rebound at a minimum to back to where they were prior to the misapp. 
Both XXXX and XXXX have so far, but good ole Experian has still not rebounded. The question is why? 

CFPB XXXX If I've made conspiracy-tpye assertions against Experian, now you know why. Anyone truly studying my history with Experian will scratch heads and go huuuuum. Why because there is always something going on with my Experian credit profile that does not add up. 

My assertion is Experian is on purpose teeter-toddering my score because they are targeting me for warning them of a massive class action suit that is for sure coming. That's the only explanation I can come up with as to why : - My Experian score is so much laower than XXXX - Small chnages have a minor impact on the the scores from the other 2 CRAS, yet can take a dive with Experian - Credit limit advances seem not to matter with Experian - Experian was the only CRA that my XXXX credit card affected for being reported out of cycle. it did not occur for XXXX. How, XXXX reports to all XXXX? Hum. 

Experian could attempt to make claims of busy operations and systems, however, everything is electronic, so updates are instant

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX. I am writing to complain about MIDLAND CREDIT MANAGEMENT. This is not my debt and they are inaccurately reporting on my credit report as a collection. I find it completely unfair and illegal. I think they should definitely get some type of fee charged because they haven't even validated this debt with me and because of their inaccurate reporting, are stopping me from acquiring a house/car. 
Please have them fix this. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
XX/XX/year> I mailed my certified letters to Transunion to have specific items removed from my credit report due to their inaccuracies. Transunion failed to complete my request. They mailed me back a small postcard stating 4 possible reasons of why they did not complete my request. I met all standards in order for them to complete my request. It is my belief that Transunion is purposely delaying the process and wasting my resources used to submit the request to have the items removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TN

Complaint narrative:
This debt was on my credit report. Originally I disputed it because I hadn't received any information about past due amounts from the apartment complex or anything else. 
I now called them to see what was going on with this supposed debt. They say they have mailed me letters but won't tell me where they mailed them to, and I haven't received any information about this at all. I requested for them to verify the amount and to tell me what it was for, they read off some generic charges that didn't make any sense. They listed two damage charges, and keys. There were no damages, and the keys were all turned in. I have all my pictures from move out showing the condition of the apartment complex. There is no reason I should have any outstanding balance. I called the apartment complex directly, and they have no record of me owing either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
these inquiries i have no idea of. XXXX XXXX Via Dealer XX/XX/XXXX, XXXX XXXX Via Dealer XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed with Equifax and sent them my FTC report and they said inquiries are factual. XXXX telling them that I did not authorize these inquiries and they still have it on my report. They have my FTC report and identification on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: MD

Complaint narrative:
Since XXXX, I have experienced ongoing issues with my XXXX access through Discover Bank. Initially, Discover Bank withdrew from XXXX for a couple of months. After their services were reinstated, I continued to encounter an error message instructing me to call Discover whenever I attempted to use XXXX. 

Timeline and Actions Taken : 1. Early XXXX : - Discover Bank withdrew from XXXX for a couple of months. 
- Upon reinstatement of services, I started receiving an error message to call Discover whenever I tried to access XXXX. 

2. Throughout XXXX and XXXX : - I contacted Discover Bank customer service multiple times to report the issue. 
- Each time, Discover representatives assured me that the problem would be resolved and my XXXX access would be reinstated. 
- Despite these assurances, the issue persisted, and I continued to receive the error message. 

3. Ongoing : - As of now, my XXXX access remains restricted, and I have not received any satisfactory explanation or permanent resolution from Discover Bank. 

Impact of the Issue : The removal of my XXXX access has caused significant inconvenience, affecting my ability to make timely payments and conduct transactions smoothly. 

Requested Action : I request a detailed explanation for the persistent issue with my XXXX access and immediate action to permanently resolve it. Additionally, I seek regular updates on the status of this issue and the steps being taken to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: OH

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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. 


( XXXXXXXX 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 2024-07-18 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: OH

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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. 


( XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-18 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report, which is reported as late. I believe this information is incorrect and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and complete. If an item is found to be inaccurate or can not be verified, it must be promptly removed or corrected. I have reviewed my records and have found no basis for the reported late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: MIDFIRST BANK
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report, which is reported as late. I believe this information is incorrect and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and complete. If an item is found to be inaccurate or can not be verified, it must be promptly removed or corrected. I have reviewed my records and have found no basis for the reported late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of a fraudulent transaction involving my XXXX account with Wells Fargo. The details of the incident are as follows : On XX/XX/XXXX, I became aware of a fraudulent transaction to my XXXX account. The funds were transferred by an individual who had been scammed on XXXX in a separate transaction involving the purchase of XXXX XXXX. Initially, I was under the impression, based on information from a coworker on XX/XX/XXXX, that this transfer was legitimate and intended for their relative. 

Shortly thereafter, on XX/XX/XXXX, I was contacted by the individual who had made the XXXX transfer. Due to the circumstances and without verifying the legitimacy of their claim, I did not provide my identification to them. Subsequently, this person initiated a complaint with Wells Fargo to investigate the transaction. 

Despite my attempts to clarify the situation and explain that the funds had been sent under false pretenses, Wells Fargo proceeded to close my XXXX account without sufficient communication or investigation. It was only later, on XX/XX/XXXX, that I discovered the true nature of the transaction and was able to contact the person who received the funds fraudulently. Together, we resolved the issue independently, and the funds were returned to the rightful owner. 

I promptly informed Wells Fargo of these developments and provided all necessary information, including confirmation from the affected party 's bank that the case had been withdrawn. Despite assurances that the matter would be investigated, subsequent follow-ups on XX/XX/XXXX and XX/XX/XXXX have yielded no progress. I have not received any updates or resolutions from Wells Fargo, nor have I been provided with the requested documentation regarding the withdrawal of the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: MS

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: FL

Complaint narrative:
Attached are letters that I sent to the Credit Bureau informing them that the according to the Statue Of Limitations, the debt should no longer be reporting on my Credit Report, but it is and it's lessing my chances of Refinancing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Attached are letters that I sent to the Credit Bureau informing them that the according to the Statue Of Limitations, the debt should no longer be reporting on my Credit Report, but it is and it's lessing my chances of Refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: OH

Complaint narrative:
This case is public records XXXX XXXX XXXXXXXX XXXX, we didnt receive XXXX or accessories, they customer broke my XXXX. We won a judgement against this company customer XXXX

Company response to consumer: Closed with monetary relief