vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: MD

Complaint narrative:
I am writing to express my serious concern about the disputed accounts on my credit report. I have repeatedly highlighted the inaccuracies in these accounts and requested a thorough investigation, but despite my efforts, the issue remains unresolved. These incorrect entries are significantly damaging my credit file and severely affecting my ability to maintain a normal life. The hardships caused by these errors are immense, and I am left with no option but to seek your urgent help in resolving this matter. 

I kindly ask that you conduct a comprehensive investigation into each of these disputed accounts and take the necessary steps to update and correct my credit report without further delay. Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial well-being. I sincerely urge you to treat this matter with the utmost importance and take swift action. 

Your prompt attention and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: DE

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 8

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: MI

Complaint narrative:
I purchased season tickets for the XXXX XXXX for the season of XXXX and I used those tickets to attend some of the games I could make it to. However without knowing I signed up for future tickets using the Discovery Card I have and I was charged {$3200.00} for season tickets. This was for the following year and I never attended a single game and I wasn't aware I signed up for future tickets. I spoke with a gentleman from the XXXX organization and he informed me I needed to speak with a Manager and I sent her a letter by email, her name is XXXX XXXX. I asked could they resolve the matter and it wasn't resolved so spoke with the credit card company 10 days later as I was instructed. I originally spoke with a credit card representative and the amount was taken off. However, due to some circumstances beyond my understanding the amount was placed back on my account. I spoke with a representative a couple of weeks ago and I was told to contact CFPB and then forward correspondence to Discover and this will help me in having the debt removed. I contacted an organization but it was a different organization of attorneys that advised me to write a letter and go to there website and complain. I hope I might be able to receive some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Following 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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/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 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-20 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-20 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 

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

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 2024-08-20 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
My name is XXXX XXXX, XXXX XX/XX/XXXX last four SS # XXXX. My discover account went past due in XXXX as my husband past away from XXXX ; he was the primary source of income. Followed by him, my daughter past away from XXXX. 
Discover agreed to settle my account at 60 % of the balance which was around {$3400.00}. I called into Discover to make my payment in XXXX of XXXX and was told no more payments were needed and the account was settled. 
FDCPA Violation I head nothing from Discover since XX/XX/XXXX when they took my last payment and said my account was setteleted in full. In XX/XX/XXXX I receive a letter from the Law Firm XXXX, XXXX XXXX XXXX who re acting as the collection agency for the debt. They sent me no Notice of debt to validate as required by FDPA. 
Discover is stating I owe over {$6600.00}!!!!!! I called Discover 14 times asking for proof of my settlement agreement and all payments made. Furthermore, I asked for proof of what the account balance was in XX/XX/XXXX based on the terms of the Settlement agreement! Discover REFUSED TO GIVE ME ANY OF THIS INFRMATION!!! Rather they transferred my call to the law firm XXXX the collection agency. 
The week of XX/XX/XXXX, I received a packet of random billing statements from Discover. This is not what I asked for. I specifically asked for the settlement agreement and what the supposed balance was as of XX/XX/XXXX when I was told the account was settled. 
Additionally, I received a letter from stating my claim was deemed Invalid ; Also wrong!!! Now this Law Firm is operating under Unfair, Abusive, Deceptive, Acts and Practices ( UDAAP )! 
To recap Discover either wrongfully told me my account was settled and it was not ; if that is the case, there would had been a vey small balance ( if any ). 
OR The account was settled and was wrongfully charged off and XXXX, XXXX XXXX XXXX is in violation of UDAAP and FDCPA 1006.34 Notice for validation of debts. 

I Specifically asked XXXX, XXXX XXXX XXXX, if there was an error on part of Discover telling me the account was settled and it was not, let me pick u an pay whatever balance there was per the terms of the settlement agreement on in XXXX XXXX. 
I am a single mother of two boys who has over come the XXXX OF THE WORST THROUGH COVID! I LOST MY HUSBAND TO XXXX!!! They are threatening to garnish my wage! 
I told them I am in the process of buying a hoe for my boys and I! I will lose them, MY JOB and everything if my wages are garnished!! 

DISCOVER AND XXXX, XXXX XXXX XXXX ARE CLEAR CUT EXAMPLES OF OPPERTAING IN A UDAPP FASHION!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Back in XXXX of XXXX I attempted to get a loan remediation and foreclosure relief, and Wells Fargo blocked me every step of the way. I actually had to hire a loan XXXX from a competing bank to ask for the proper paperwork and assist me with filling it out XXXX join in the conference calls in order to basically force them through the remediation process. Also, as part of that remediation, I attempted to get my ex-wife, XXXX XXXX, removed from the loan, as we were divorced. I was awarded the house ( and associated debts ) prior to the remediation, and had a quit-claim deed already signed by her, all of which has been submitted to Wells Fargo XXXX XXXX times ). At that time, they reversed and reapplied a bunch of payments as part of the mediation and I informed them at that time that those numbers were not adding up, and they assured me it was correct on their end, and the discrepancies were simply " display errors. '' Now, 11 years later, I have received checks in the amount of {$2300.00} ( XX/XX/XXXX ) and {$1700.00} ( XX/XX/XXXX ), made out both to myself and my ex-wife " XXXX XXXX XXXX. '' Me and XXXX were divorced several years before the remediation ( and documentation provided ). 

Wells Fargo has receipt written authorization from my ex-wife to release these checks using the word " or '' or in my name only, but they are still refusing to release these checks.

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 2024-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I had a XXXX XXXX XXXX come to lease term ( my daughter 's XXXX XXXX car ). My daughter purchased another XXXX and turned the car in on XX/XX/XXXX. The lease termination date was XX/XX/XXXX. XXXX 's own records say the car was turned in on XX/XX/XXXX. XXXX XXXX XXXX told me that there was a grace period on the turn in and the lease payment was not due. 

XXXX ( XXXX ) others said it was due. 

These reps are poorly trained and give conflicting answers - seemingly almost intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: NC

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 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 2024-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently obtain a copy of my credit report and noticed a historical change. I contacted the debt collector, they were very unhelpful. i was advise to send a request letter and file a report through the FTC And Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My US Bank checking account was open in XX/XX/XXXX and was closed in a week. US Bank claimed there was fraudulent activity in my account. US Bank also claimed they contacted me " numerous times '' in XX/XX/XXXX about the fraudulent activities and I didn't get back to them which is why they closed the account. I swear to XXXX this is a complete lie! US Bank did contact me once in XX/XX/XXXX and I called them back right away to verify all the information they requested. I was also promised everything was fine with the account but the account was closed days later and my US Bank online sign-on was revoked. The only activities I did before my account was closed was sending trial deposit from my other bank accounts XXXX XXXX Bank and XXXX XXXX ). There was XXXX fraudulent activity. Despite multiple calls with US Bank, they couldn't reinstate my account. 

I opened a XXXX of XXXX account with US Bank on XX/XX/XXXX. The account was approved and I was able to fund the account during the application process. When I tried to set up online banking for my CD account, I was told I couldn't sign up for online banking because my online sign-on ( the checking account from XXXX ) was revoked. The XXXX account in XXXX is a completely different account from the checking account in XXXX. I don't understand why I couldn't use online banking for the account. Can someone please assist? I just want to use online banking for my CD account that's already opened. 

Thank 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