vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: MI

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-10-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-10-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-29 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: NY

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 2024-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. 

Details of Communication and Timeline of Non-Response : 1. Initial Dispute - On XX/XX/year>, I sent Equifax a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax failed to respond within the 30-day investigation period required by law.

2. Second Request for Reinvestigation - XXXX XX/XX/year>, after not receiving any response from Equifax, I sent a second letter asking them to reinvestigate my initial dispute. Again, Equifax did not respond or communicate any action taken. 
XXXX. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final one on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from Equifax regarding my dispute. 

Under the FCRA, consumer reporting agencies like Equifax are legally obligated to : - Investigate disputed information within 30 days ( or 45 days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, Equifax has far exceeded this timeframe, ignoring four separate letters and my legal right to an investigation.

- Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do.

Equifaxs lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile.

For the CFPB 's review, I am enclosing all letters sent to Equifax, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate Equifax 's failure to comply with FCRA guidelines within the legally required timeframe.

Equifaxs lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I've had NOTHING but constant problems dealing with this company in reference to everything but foremost with the way they handle disputes & fraud. After researching I see that they're actually ALREADY in trouble about these same issues & something needs to be done expeditiously. Cause us as consumers are the only ones suffering from this. Goldman Sachs are NOT doing their jobs in regards to handling or investigating disputes properly. They just bill you for transactions that you didn't make & /or fraudulently. Even when they themselves sent you alerts telling you that suspicious activity is going on with your account and it's been compromised. They take forever getting back to you & IF they choose to they just make up stuff & say they've investigated when in fact they haven't whatsoever. I've even sent proof of things with tracking numbers, videos, email exchanges and tons of these showing that transactions aren't legit but yet they don't care to do their jobs by even checking into it. They even pretend to dispute transactions but NEVER do. My apple wallet was compromised with several of my cards and EVERY other CCC that was compromised handled things accordingly EXCEPT Goldman Sachs. They have my account maxed over & above by just throwing charges and fees on there that I'm not responsible for whatsoever. Just so much ridiculous nonsense. I have just about every kind of credit card there is to have but this Apple Card with Goldman Sachs is by far the absolute XXXX! Then I asked them for a hardship program due to ALL of this yet they told me one isn't available for me. But they can just treat & scam me however they choose to do. They promise to have supervisors call you back when you contact them to complain. They NEVER DO THAT EITHER! I seriously don't understand their purpose. I am XXXX & also have a XXXXXXXX XXXX and these issues are affecting XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: DISCOVER BANK
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2024 I went to the XXXX XXXX XXXX XXXX XXXX 
Prior to performing the service, I confirmed the charges, i.e according to the Insurance company, I am responsible for 10 % of the charges and they agreed. But after the service, they charged {$1000.00} Instead of {$100.00}. When I questioned, the lady at the front desk told me that she doesn't know how to refund it. The person who does it was out for lunch. 
Immediately, I called Discover card about the transaction and they asked me to complaint after receiving the statement. I did complaint and they gave me credit. but after a few months, the charged it to my account. 
I explained and provided all the proof to discover card, but they didn't correct it and still charging me every month with interest. 

I request your help with this matter to correct as early as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have tried several times to reach out to synchrony bank to let them know I have unauthorized inquiries on my credit report from this company and they have still not removed them from my XXXX report. They are in direct violation of the fair credit reporting act, so this is my last report before talking to my military lead and seeking legal options against this company as this is effecting my gravely. 
Attached AGAIN are the inquiries which are unauthorized and should be removed 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 2024-10-29 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: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


TRANSUNION 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!

Update 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 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
XX/XX/XXXX, I noted that my pslf account of a little over {$110000.00} in student loans was showing as past due payments for multiple loans. However, this account has been in forbearance as it is a SAVE plan account, and I am also on auto pay. This is incorrect billing, not a missed payment. 

I attempted to call MOHELA but was disconnected by the robo-answering machine when attempting to get in touch with a human representative. So, I then sent a message to their official email through the messaging function on the website. 

I did not hear back from them for a few days, so on XX/XX/XXXX, I sent another email through their official messaging system on the website. I then checked back a day later and I had a received a canned AI response to my initial message that did not answer my question. 

Today, XX/XX/XXXX, upon revisiting my account, I have found the " past due '' amount has now doubled and will be filing another written complaint through the messaging system, and attempting to call them again when able. There is no possible way I owe this money, as I have been on forebearance and on auto pay, and I do not want these false " past due '' amounts to negatively affect my excellent credit score that I have worked so hard to achieve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: DE

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Complaint Regarding Ally Financial Remittance Issue and Failure to Respond to XXXX Filing CFPB File Number : XXXX XXXX Filing XXXX : XXXX Summary of Complaint : This complaint is filed to document ongoing issues with Ally Financial regarding remittance obligations associated with the referenced account for XXXX XXXX. Ally Financial has failed to provide a valid response or rebuttal to an affidavit included in prior filings, in violation of administrative processes and legal standards. 

Details of Allegations : Failure to Respond with Requisite Documentation : Despite the inclusion of an affidavit requiring a response under penalty of perjury, Ally Financial has failed to provide a signed response with a wet-ink signature from an authorized representative, in direct contravention of legal requirements. 

Security Agreement Breach, Eliminating Arbitration Requirement : Ally Financials actions have breached the security agreement, and thus the arbitration obligation is voided. As per the contract terms, I am not obligated to pursue arbitration due to this breach. 

Request for Remittance Resolution and Acknowledgment of UCC Filing : Ally Financial has been notified of the remittance due and referenced in the UCC-1 filing ( number XXXX ). This filing is not a duplicate ; it represents a second administrative attempt to resolve this issue amicably. If no compliance is received, a third and final notice will result in a court of equity filing to seek appropriate relief.

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 2024-10-29 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: MN

Complaint narrative:
There are some unidentified things on my credit report, i've submitted XXXX dispute letters from XXXX XXXX XX/XX/XXXX attempting to resolve the issue and have got no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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