vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I requested additional information regarding alleged balance and was denied, this company also withdrew a payment without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: KS

Complaint narrative:
Refilling complaint due to inappropriate closure of complaint without allowing for further resolution. 

Original complaint : Discover financial services phone line is repeatedly inappropriate and rude with me and refuses to provide appropriate customer service. Unfortunately as an extension, they have projected their inappropriate behavior onto me and wrongfully blamed me for problems that they caused by mistreating me. Unfortunately, they have denied me phone access and restricted me to written communication only which is not accessible to me as I am XXXX XXXX and XXXX XXXX 


Update to complaint : Company responded and once again falsely accused me of being inappropriate and refused to address the issue : Discovers customer service is repeated extremely inappropriate and rude and they repeatedly refused to help me and hang up on me when I get onto them for not helping me at all. Recently, they put a communication restriction on me that is inappropriate and illegal. Discover needs to address their bad customer service and not blame customers if the restriction is not immediately removed, I will be pressing charges as well as filing a XXXX figure lawsuit against the company. Discover has no right to refuse to talk to someone because they refuse to address their bad customer service. I am XXXX  so I do come off very direct however recently they have been extremely empathetic rude and just unwilling to serve the customer and for simple issues it often takes 10 to 15 calls just to get something done because they keep rudely hanging up on people instead of helping them, customer service representatives are to serve the customer. End of story. 

Please stop falsely blaming me for an issue you caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Legal Department Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Intent to Sue for Violation of FCRA and Failure to Remove Unverifiable Bankruptcy from Credit Report Hello, I am writing to formally notify you of my intent to pursue legal action against Experian for your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), in connection with an unverifiable bankruptcy that is being inaccurately reported on my credit report.

As required under FCRA 605 ( b ), I have submitted a formal FTC report, along with a request to remove the bankruptcy entry, as the information is not valid, not verifiable, and was placed on my credit file without my consent. Despite my efforts to resolve this issue, including multiple written requests, Experian has repeatedly failed to remove this incorrect information within the required 4 business days.

The bankruptcy entry that is being reported is neither accurate nor substantiated by any verifiable records, and I have made it clear to Experian that I have not consented to the inclusion of this information. I have provided you with the necessary documentation, including the FTC report, to prove that this bankruptcy does not belong on my credit file.

According to Section 605 ( b ) of the FCRA, if the information can not be verified, it must be removed from my credit report. Yet, Experian has failed to act on this mandate, in direct violation of the law. Your ongoing failure to remove this inaccurate bankruptcy entry within the prescribed timeframe constitutes a violation of my rights under the FCRA.

I have kept detailed records of all prior communications with Experian, including the FTC report submission, and I intend to use this evidence in any legal action I am forced to pursue. Given Experian 's failure to remedy this situation despite clear evidence and my repeated requests, I am prepared to pursue all available legal remedies, including seeking damages for any harm caused to my creditworthiness and financial standing.

This letter serves as my final attempt to resolve this issue amicably before initiating legal proceedings. Should Experian fail to take corrective action within 4 business days from the date of this letter, I will proceed with filing a lawsuit to seek full legal remedies for your failure to comply with the FCRA.

Please be advised that this matter is of great importance to me, and I expect prompt attention and resolution.

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 2024-11-28 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: DC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: TN

Complaint narrative:
So, this is going back several years. I lost a job back XXXX and I fell behind on several bills. Discover was one of them, and I was required to show up at my local court to make a settlement. I was told that I owed like $ XXXX and was required to pay it back by making weekly payments of like {$50.00} a week for like 4-5 years. I did this up until like XXXX and they stopped taking the {$50.00} a week, so after a period of time, I assumed I was paid up. Fast forward to like XXXX of this year ( XXXX ) four year later, and I received a letter which I didn't really understand, so I immediately called XXXX XXXX XXXX here out of XXXX who was representing Discover Financial Services. They informed me that because 10 years was about to come up, that it was a letter for a " Motion to Revive a dormant judgement ''. I immediately called XXXX XXXX XXXX to discuss this, where they had been deducting {$50.00} a week for 4-5 years that stopped in XXXX, so I didn't understand this. They said I still owed money. I asked why after four ( 4 ) years had no one called me, emailed me or sent me anything in the mail to explain this. I was basically told that they dropped the ball during COVID, and that they had just caught this, and indicated that I still owed money. I didn't understand this, so I said I'm not going to pay something without proof of showing what I paid against what they said I still owed, because four years had gone by, and this struck me as being odd. I asked them, or Discover send me a history of my payments made over the time they automatically took weekly payments out of my weekly checks, reflecting/proving that I still owed what they said. I made this request twice to XXXX XXXX XXXX, but yet I never received the requested info. I've been proactive the entire time. 
Today while traveling for the holidays, I went to get gas on our drive to learn that my bank accounts had been drained of {$3100.00} dollars, leaving me with no money. I don't understand how this can happen after all of my efforts, and if I can take legal action against XXXX XXXX XXXX and/or Discover I will.

I'd like this matter to be researched to the fullest extent, and an explanation of why I was blindsided with my bank account be drained, after all of my efforts to simply get a history of all my payments against what they said I still owed. I don't think after four years passing where I was told I still owed money, this is asking too much.

I need help and assistants to help explain this, and the situation I'm now in during the Holiday season and travel with {$3100.00} be drained from my account today. 
Thanks for your time, efforts and consideration in advance. 
Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: FL

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 explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Good day, I can not overstate how frustrating and exhausting this situation has become. Imagine waking up one day to find a debt attached to your namecompletely unverified and one that doesnt belong to you. On top of that, Ive been subjected to relentless harassment across various communication platforms, with different tactics designed to intimidate me. I never imagined starting my day with threats of legal action over something that isnt even mine. As a law-abiding citizen, this experience is not only insulting but a blatant violation of my rights as a consumer. The constant stress and XXXX  are taking a toll on my mental health, and Ive endured sleepless nights because of this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
RE : Bankruptcy File Number : XXXX Dear Credit Reporting Agency : After reviewing my credit report I noticed that there is a U. S.

Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

Sincerely, 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 2024-11-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
these following names need to be remove from my credit report ( XXXX XXXX  XXXX ), I.D # XXXX ( XXXX XXXX, ) I.D # XXXX ( XXXX XXXX XXXX ), I.D # XXXX ( XXXX XXXX ) I.d # XXXX ( XXXX XXXX  XXXX ), I.D # XXXXMY only name is XXXX XXXX all other names need to be removed 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 explanation
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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