vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Over the years, I have been actively trying to resolve an issue with my Ally Financial account due to incorrect reporting of late payments. Initially, the problem arose when Ally Financial reported multiple late payments on my credit report, which I believe were inaccurately recorded. Despite my efforts to resolve these inaccuracies, the situation has persisted, and my credit report continues to reflect these errors. 

Timeline of Actions Taken : Initial Dispute : I first noticed the inaccuracies in my credit report several years ago. I promptly contacted Ally Financial to dispute the late payments, but my concerns were not adequately addressed. 

Requests for Documentation : I made several requests for detailed documentation to understand the charges and payments better. Despite multiple follow-ups, the requested documents were either incomplete or not provided. 

Formal Complaints : In XXXX and XXXX, I filed formal disputes with Ally Financial regarding the inaccuracies. I provided evidence showing my on-time payments and requested corrections. However, Ally Financial 's responses did not resolve the discrepancies, and the negative information remained on my credit report. 

Ongoing Communication : I have continued to communicate with Ally Financial, both via email and postal mail, but the responses have been insufficient. I have also sought assistance from credit bureaus and the Consumer Financial Protection Bureau ( CFPB ), but the negative entries persist. 

Current Status : Despite my ongoing efforts to address these issues, Ally Financial has continued to report inaccurate late payments on my credit report. The account was eventually closed, yet the reporting of late payments and fees has continued, damaging my credit reputation. 

Resolution Sought : I am requesting an immediate review and correction of my account to reflect 100 % on-time payments. If Ally Financial can not provide accurate documentation or correct the reporting errors, I ask for the account to be completely removed from all credit reports due to the invalid and outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  According XXXX-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 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted from my Equifax credit report. Please delete the following accounts. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX  XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX  XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX  XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my XXXX XXXX and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-08-31 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: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account # XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you XXXX lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, Experian, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above.

Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-08-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Account # XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported.

Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, Experian, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves.

Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above.

Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX SSN : 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 2024-08-31 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: NY

Complaint narrative:
Experian, XXXX and XXXX are violating my rights in numerus ways reporting inaccurate information on my reports month after month and I want this corrected. Here is the list of their violations that they fail to correct : - Reporting as a charge off month after month, purposely re aging the account which is a direct violation of the Fair Credit Reporting Act. Accounts can report this the first time only, as each time they re-report it starts the reaging process, which is a violation - Reporting a balance on a charge off they do NOT own, which is a violation of the Fair Credit Reporting act. 
- Reporting a credit line on a charge off, which is false, as the account was sold.

- Each company I have disputed is not reporting or indicating when and if this account was sold, purposely misrepresenting the status.

- Balance calculations are not being validated properly

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 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid an invoice of {$390.00} to XXXX XXXX XXXX for XXXX XXXX XXXX. After making the payment, I attempted to contact the merchant several times but received no response and was unable to reach them through any available means. Concerned by the lack of communication and the failure to deliver the promised services, I filed my first dispute with Chase on XX/XX/XXXX. However, this dispute was denied, and the charge was reversed. 

Desperate to resolve the issue, I reached out to the merchant again and eventually received a response. The merchant advised me to dispute the transaction with my bank, stating that the services were never provided. Following this guidance, I submitted a second dispute to Chase, clearly stating that the service I paid for was never received. However, Chase 's investigation team denied this second dispute as well. I was informed by a customer service representative that the merchant had denied the refund request directly to the bank. 

Confused by this outcome, I contacted the merchant again, who claimed that Chase had never reached out to them regarding the refund request. To further escalate the matter, I visited a Chase branch in person and spoke with a supervisor. Despite my detailed explanation of the situation, the supervisor informed me that there was nothing further they could do other than suggest I contact the merchant again. 

I am extremely frustrated and disappointed with this experience. As a Chase business account holder in good standing, I expected a higher level of protection and support in situations like this. It is unreasonable that Chase can not refund me when I have provided all necessary documentation, including confirmation from the merchant that the services were never received and their own advice to contact Chase for a refund. Despite all my efforts, I feel that I am being unfairly denied my rightful refund of {$390.00}, and I urgently seek a resolution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I received a letter from National Credit Systems , Inc. claiming that I owe {$670.00} to its client. This letter did not include an itemized statement for what was allegedly owed. 

On XX/XX/2024, I sent a certified letter requesting proof that I was the party asked to pay this debt, and for an accounting of the debt. I did not receive a response to this letter. 

On XX/XX/2024, I received a letter from National Credit Systems , Inc. claiming that this alleged debt has been reported to credit bureaus, and that this would cause harm to my ability to rent in the future. 

On XX/XX/2024, I received a letter from National Credit Systems , Inc. claiming that its client would allow me to pay a 50 % discount of the alleged debt. 

On XX/XX/2024, I received a text from National Credit Systems , Inc. urging me to resolve 50 % of my alleged balance.

I never received the requested information. I do not know what this debt is for. I requested information for National Credit Systems , Inc. to prove its right to collect upon the debt it claimed was mine and instead of sending proof they sent me a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In response to a debt validation request I submitted to LVNV Funding LLC, c/o Resurgent Capital Services , the company provided documents that do not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). The documents included a statement indicating that a last payment was made on XX/XX/year>, with a charge-off date of XX/XX/year>. However, an account summary they provided shows a different last payment date of XX/XX/year>, without any corresponding statement to support this claim. This discrepancy raises significant concerns about the accuracy and legitimacy of the debt information. 

Furthermore, the documentation provided did not include the original signed promissory note or any other documentation directly from the original creditor, XXXX XXXX, proving that I agreed to the terms of this debt. Despite my request for proper validation, LVNV Funding LLC and Resurgent Capital Services have failed to provide sufficient evidence to substantiate the debt. 

In addition to these discrepancies, the original creditor, XXXX XXXX XXXX, has an arbitration agreement that requires any legal disputes to be resolved through arbitration rather than court proceedings. This agreement includes specific terms, such as a 60-day notice requirement before initiating arbitration, waivers of class action and jury trial rights, and a requirement that disputes be resolved individually and through final and binding arbitration. 

Given the failure to provide proper validation and the inconsistencies in the documentation, I have formally requested that Resurgent Capital and LVNV Funding LLC cease all collection activities and remove the account from my credit report. However, the company has not yet complied with this request. 

As a result, I am filing this complaint to seek assistance in ensuring that LVNV Funding LLC and Resurgent Capital Services cease any further collection activities related to this disputed and unvalidated debt and that the inaccurate information is promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management purchased the debt from another debt collection agency for a XXXX XXXX Credit Card. A settlement arrangement was made and paid for 2 years to the agreed settlement of over XXXX XXXX At the conclusion of the agreed upon settlement they did not abide by the agreed terms and reported the remaining balance owed to the credit agency indicating no settlement was made.

Since then I have worked for over a year to get them to comply with their terms, have disputed the remaining balance and their misleading predatory practices to no avail. I have also disputed with the credit agencies and it remains on my record. It was also agreed on during the settlement that they would not report it and only after I fulfilled my agreement did they report it to the credit agency with the reduced balance and no history of the payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXXXXXX XXXX XXXX XXXX  despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX XXXX XXXX account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation