vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
On XX/XX/year>, I was notified by my bank that a negative change was reported to the three major credit agencies by Conserve ( Continental Service Group , Inc. d/b/a ConServe XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX I have never received a debt validation notice nor had any communication with this company prior to or thereafter, despite the FDCPA requirement that they must do so within 30 days of notification. Conserve continues to negatively report a balance of {$5400.00}. The FTC has held that absent actual personal notice, reporting to the credit agencies may act as notice. As such, Conserve was and is required to provide me with a debt validation within 30 days of such notice per federal law. They have not. They have continued to impact my credit without ever contacting me or providing any detail regarding the debt itself. Given the time frame that has elapsed, I wish to formally file a complaint with the CFPB against Conserve for their negative impact to my credit score, lack of notification, and the lack of validation provided that I even owe the debt. I do not know what the debt is for, where it originated, whether or not Conserve has the right or ability to collect the debt, or even how to access their platform to learn such information. Reporting information to credit agencies that Conserve does not know to be accurate and failing to report infor- mation correctly violates the FDCPA. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: DISCOVER BANK
State: IN

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and XXXX credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 
Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX XXXXXXXX, account number XXXX XXXX : XXXX XXXX XXXX XXXX, account number XXXX TransUnion : XXXX XXXX XXXX, account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-09 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: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX XXXXXXXX, account number XXXX Equifax : XXXX XXXX XXXXXXXX XXXX, account number XXXX XXXX : XXXX XXXX XXXX, account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Please see attached email. Shows time and date lapse of TSI to provide consumer with contract between the principal and 3rd party, Transworld Systems Inc, which none were provided and no communication of acknowledgement was produced. TSI no response is considered tacit agreement, acquiescence in the eyes of the law. 5 days was given in regards to information that is to be readily accessible to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Upon checking my credit report I have a negative listing Credit Collection Services with a balance of {$750.00} in which I never had an account with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TOTAL MORTGAGE SERVICES LLC
State: RI

Complaint narrative:
I have the details of all my complaints in the demand letter attached. When I reached out to Total Mortgage with my concerns, they implicitly threatened to back out of closing leaving me liable for the deposit. 

Essentially, Totally Mortgage forced me into a detail under the pretense of a grant they negligently did not secure in time. When I complained, they threatened to leave the deal and leave me liable for my deposit. 

Along the way they've misrepresented Rhode Island closing law and the grant process and terms me on the record via email. Please review the attachment thoroughly, I am in great distress over this ordeal even 6 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I just got a letter saying there is another escrow shortage and my payment is going up more than {$200.00} a month. I have a loan for poor people called a home affordable modification program loan. I want these people to know that there are agencies such as yours checking them out. Fay Servicing seems like a very very very crooked Company. How could alone for poor people go up that much? I cant pay that. before I call them and get the runaround I would like for them to know that they are being watched for fraudulent activity. my house payment right now is {$2000.00} and my new payment is supposed to be {$2200.00}. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was left by my great mama and I am struggling. Please help me. My new payment is supposed to start in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: MO

Complaint narrative:
My account with all the companies that I included on the document 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 the months that I was 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: MO

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's 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 2024-06-08 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 recently reviewed a copy of my credit history and came across fraudulent transactions, please remove those accounts 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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion failed to investigate a rental history debt thats not validated or correct. I attached a balance sheet directly from the XXXX XXXX XXXX XXXX XXXX a balance of {$0.00} owed. Ive reached out to XXXX XXXX Apartments the creditor/collection agency and they inform me on XX/XX/year> they submitted a code to TransUnion to remove the account immediately. I reach out to Transunion and requested that they expedite this issue and removing the account because I am unable to find housing or receive help with housing with this reporting. I also inform them Im homeless with kids which justifies the importance of this being expedited. Transunion refused and said I have to wait 30 days. As of XX/XX/year> the account is still reporting on Transunion and Im homeless with my children.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
After looking over my credit report I noticed a listing from XXXX XXXX XXXX with a balance of {$410.00}. I never had an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Firstly, the company decided to suddenly report my company card to my personal credit report after XXXX years of having this card and never reporting it in the past- which means that all the payments I made on time for these years did not make it to my credit report. Secondly, they claimed that I was 60  days late in payment when I was not. Their system was not working correctly and every time I logged onto my account, it told me that " my card needs attention '' but " NO PAYMENT IS DUE AT THIS TIME ''. when it says no payment is due then how do I know I am late with my payment. 
Thirdly, I tried to explain to them this glitch in their system, they actually agreed that this does occur sometimes but they re not going to remove the 60  day delay in payment to my credit report. 
Fourthly, the most I missed on my payments was 30 days NOT 60 days as they claim. 
Fifthly, I explained that my mother had just been diagnosed with XXXX  XXXX XXXX  XXXX and this was a large factor but they did not care to listen as they are not human they are robots. And they answer like robots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TN

Complaint narrative:
Back on XX/XX/XXXX, I contacted TransUnion via mail about correcting an incorrect Date of Last Payment on a long closed XXXX XXXX # XXXX. As of today, XX/XX/XXXX, instead of investigating and correcting the problem of an incorrect Date of Last Payment, TransUnion posted on my TransUnion Credit Report that the account, which was closed and discharged years ago via a XXXX by XXXX XXXX in XXXX ( See Attachment ), was now magically reopened and had a balance! The results of their actions have caused my FICO score to drop significantly right at the time I am applying for an auto and home loan. The results of their malevalent actions will likely cause me to lose both loans.

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 2024-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I attended XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX, when I attempted to take out a loan for the school, I was too young and they coerced me into getting my grandfather to sign for me so I can attend their XXXX XXXX XXXX. When my grandfather started to get sick and eventually passed the school closed down, they lock the doors and lock their belongings inside and a few years later I noticed a hit on my credit score that I now old school who I didnt receive any kind of transfer credit or graduating I have been fighting with Navient then Aidvantage As well as the student aid for Borrower defense to help get this off of my credit score as well as report to the three credit bureaus that this loan was predatory and it has ruined my life. Im unable to get a car. Im unable to get certain credit cards. Im unable to sign for an apartment on my own at XXXX XXXX XXXX because a school closed down, took the money that I gave them and ruined my credit for the rest of my life, I dont see how they have been closed for predatory actions against people, but Im stuck having to pay alone and I didnt receive anything from the school that helped. I got my own job at XXXX XXXX XXXX XXXX XXXX XXXX  They didnt help me so I dont understand why I owe a business thats closed for the school that isnt the newspaper for literally being found guilty of these actions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am trying to refinace my home and I have realize that all these damages on my credit report according to the 15USC 1681 law, there should not be any damages on my credit report. It is defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: CL Holdings LLC
State: FL

Complaint narrative:
I am trying to refinace my home and I have realize that all these damages on my credit report according to the 15USC 1681 law, there should not be any damages on my credit report. It is defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by this creditor. Specifically : Credit COLL Violation of Privacy Rights ( 15 USC 1681 Section 602 ) ** : According to Section 602, I have a right to privacy regarding my credit information. The creditor has not upheld this right as they have furnished my account information without proper consent.

Unlawful Furnishing of Information ( 15 USC 1681b Section 604 ( a ) ( 2 ) ) : Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. I did not provide written consent for this account to be reported. 

Improper Late Payment Reporting ( 15 USC 1666b ) : Under Section 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was received by the creditor before the next billing cycle. The creditor has reported my payment as late despite this regulation. 

I request that the CFPB investigate these violations and take appropriate action to rectify the errors on my credit report. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
I do not recognize these inquiries and I have asked for them to be removed the bureaus did not do like I asked. I am providing an identity theft form, I am requesting these be removed they are inaccurate. 
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 Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
I do not recognize these inquiries and I have asked for them to be removed the bureaus did not do like I asked. I am providing an identity theft form, I am requesting these be removed they are inaccurate. 
Experian FACTUAL DATA XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Removal date XX/XX/XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX 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 2024-06-08 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: IN

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief