vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: TN

Complaint narrative:
On XX/XX/year>, I sent a letter to Experian asking for the security freeze on my credit report to be removed. I had not yet received a response, so on XX/XX/year>, I called Experian and provided the automated system with a PIN, which unfroze my credit report. However, this did not allow my bank to pull my credit report in order to open a bank account. 

I later reached out to Experian on XX/XX/year>, by phone. The enrollment specialist on the line let me know that he could not even access my credit report despite it being unfrozen. He told me to reach out to the number XXXX XXXX XXXX XXXX, which is just Experian 's automated phone line for protected consumers. My report had been frozen as a protected consumer, but I completed the unfreeze process. 

I finally came to the conclusion, after reviewing my credit report, that there are statements on my report, which include - " THE INFORMATION ON THIS FILE IS NOT TO BE USED TO DETERMINE CREDIT WORTHINESS, SOME OF THE INFORMATION ABOVE MAY NOT PERTAIN TO THE INDIVIDUAL INQUIRED UPON. FOR AN ACCURATE AND FULL DISCLOSURE, CALL ( XXXX ) XXXX '' ; and - " FILE FROZEN DUE TO FEDERAL LEGISLATION I reached out to Experian via phone on XX/XX/year>. I was transferred by the enrollment specialist to the disputes department. I asked the dispute representative to remove the personal statements, but she told me I would have to send Experian a letter, which I had already done on XX/XX/year>. 

In hopes of rectifying this, I wrote to Experian again on XX/XX/year>. I asked them specifically to remove those personal statements on my report, even providing a copy of my credit report to indicate the personal statements to be removed. However, Experian simply sent me a letter, on XX/XX/year>, saying " We received your request to temporarily or permanently remove a security freeze from your personal credit report or for a personal identification number reminder. Our records indicate that your file does not display a freeze. If you have questions, please contact us. '' I asked my bank to try to pull my credit report again, but the bank representative told me that he still gets the very same personal statements on his system that I told Experian to remove. Experian is not properly investigating the dispute for the personal statements I made, especially since I provided a lot of information proving my identity.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
this is my final warning against them for violating the FDCPA, by not being license in the state of mississippi as a debt collector, breaking state and federal rules and i am demanding that the collection be deleted from my credit report and send me a check for a 1000 US dollars for damages within 4 business days or i will send this to my attorney to sue PRO COLLECT 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 2024-09-17 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several inaccurate and unverified negative items on my credit report. Despite my prior and multiple communications, these items have not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several inaccurate and unverified negative items on my credit report. Despite my prior and multiple communications, these items have not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion refuses to report two of my latest 's secured credit cards from fifth third since I opened them in XXXX of this year XXXX, and XXXX refuses to update my latest credit score I have been reporting the same credit score since XXXX XXXX reports my scores reading XXXX which I feel is discrimination, I have tried speaking with several customer service representatives and provided the necessary documents need to update my credit file to receive my truly genuine credit score on my credit profile. I feel that this is discrimination. this is crazy that for the last 2 years my credit score with XXXX has not moved at all, it's like XXXX is purposely doing this to prevent me from receiving the best score I deserved as a young XXXX man. And Transunion has not reported two major credit cards that i have had since XXXX of this year XXXX. Please help

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 2024-09-17 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: GA

Complaint narrative:
Im certain that I always pay on time, yet I see late payments reported for some months. Under XXXX XXXX, any billing error must be corrected, showing the payment as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I received a call from this company stating that they had been trying to reach me to serve me with documents because I was being sued. They needed an address, time, and date best for me to be a served. I was told that I own Jefferson Capital funds and that they could not tell me about the amount over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this information I did not receive proper notification if in fact you believe that you sent me proper notice please send me the certified receipt with my signature on it stating that I received it and was aware of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-17 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection 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  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This car dealer promised me to finance with XXXXXXXX XXXX  XXXX They ran my credit thru several different banks, but never with XXXX. when I signed the loan agreement its was with XXXX of the worst banks in XXXX XXXX XXXX XXXX 
I told them I wanted financing with XXXX. 
they put dings on my credit report with these inquires : 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 I would like for this information deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: MI

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 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 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 2024-09-17 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: NC

Complaint narrative:
Subject : Urgent Request to Update Credit Report Charge-Off Status** To Whom It May Concern, I am writing to address an urgent issue regarding the reporting of an account on my credit report. The account in question has been **charged off** by the creditor. I am in the process of reporting the canceled debt as income to the IRS. However, I have not received a **Form 1099-C** from the creditor, which is necessary for accurate tax reporting. 

Account Details : Creditor Name : XXXX Account Number : XXXX Charge-Off Date : XX/XX/year>2024 - Amount of Debt : {$2400.00} Immediate Action Required : Update Credit Report : - Given that the debt has been canceled, I request that this account be : - Removed from my credit report, or - Updated to reflect that the debt has been settled or canceled. 

Accurate reporting is critical to avoid complications with my credit profile and tax filings. 

2. Lack of Power of Attorney : - The creditor does not have any Power of Attorney to act or report on my behalf. Sole POA belongs to XXXX XXXX XXXX XXXX This lack of authorization further complicates the accuracy of the reporting.If this matter is not resolved promptly, I may consider pursuing legal action to enforce my rights and ensure accurate reporting.

Additionally, as a credit reporting agency, you are obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and completeness of information reported. The continued inaccuracy of this account may constitute a violation of these standards.The incorrect reporting has significant personal and financial implications, making it imperative that this issue be addressed immediately.

3. IRS Reporting : - Should this matter not be resolved within **15 days** from the date of this letter, I will proceed with filing **IRS Form 3949-A ( Information Referral ) ** to report non-compliance by the creditor. Please note that the creditors willful neglect to report this account as required by IRS statutes further exacerbates the issue.

4. Legal Implications : - This letter may serve as evidence should legal action be necessary. It demonstrates the reporting agencys awareness of the issue ( inaccurate reporting, Assuming POA, and potential tax implications ).

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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:
Account Name : XXXX XXXX XXXX Amount : {$100.00} Action : Dispute filed with XXXX, Equifax and XXXX. 

Initial Dispute Date : XX/XX/XXXX, 2024- XXXX ; XX/XX/XXXX, 2024- XXXX ; XX/XX/XXXX, 2024-Equifax Dispute Resolution : XX/XX/2024 : XXXX verified the discrepancy and inaccuracy ; deleted the account. 
XX/XX/2024 : Equifax verified the account as being reported correctly. 
XX/XX/2024 : XXXX verified the account as being reported corretly. 

Action : Secondary Dispute filed with Equifax and XXXX : XX/XX/XXXX, 2024- Equifax ; dispute filed. 
XX/XX/2024 : Equifax Dispute Resolution : Equifax verified the account as being reported correctly. 
XX/XX/2024 : Equifax ; dispute filed. 
XX/XX/2024 : Equifax Dispute Resolution : Equifax verified the account as being reported correctly. 

XX/XX/2024 : Dispute filed with XXXX XX/XX/2024 : Results unknown ; PAST 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I called the Navy Federal Credit Bureau to ask about the process for redeeming rewards points on my XXXX XXXX XXXX XXXX and asked about potentially closing the card and opening a separate cash-back card. The representative misunderstood my request and cancelled the credit card. The representative immediately said that " since this was Navy Federal 's mistake, [ we will take care of it ] '' and transferred me to another line. I called again on XX/XX/XXXX, to see how the process for reactivating the card was going, and was told that a supervisor had reviewed the call and determined that I did request the credit card be closed. I asked for a copy of the transcript that they were using as evidence, and the representative told me they would only provide the copy if they were subpoenaed. As a result of this my XXXX rewards points on this card were redeemed for {$450.00} of statement credit, and my XXXX score has dropped significantly because I have owned this credit card for almost a decade and now I don't have a credit history longer than a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2024-09-17 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: AZ

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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