vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally dispute the erroneous reporting of debt and the repeated collection attempts that have negatively affected my credit report and personal peace. 

On XX/XX/year>, my past landlord reported an incorrect amount owed to their company and subsequently sent this amount to collections. Despite my attempts to resolve the matter directly with my landlord and confirm the accurate amount due, they failed to correct the error and allowed the incorrect information to be submitted to a collection agency. As a result, this false debt has been reported to the credit bureaus and now appears on my credit report as a negative mark. 

This incorrect reporting has unfairly damaged my credit score and my financial standing. I have taken significant steps to maintain good credit and avoid issues like this, making this situation particularly troubling. I have been diligent in fulfilling my obligations, and this error is through no fault of my own. I kindly request that the incorrect debt be removed from my credit report and that any actions taken by the collection agency be reversed immediately. 

Additionally, I have been subjected to repeated mailings and phone calls from Jefferson Capital Systems regarding multiple accounts. These calls and mailings are frequent, intrusive, and often concerning debts that I do not recognize or have previously disputed. The constant harassment is causing undue stress and frustration, and I am asking that these calls cease immediately. 

I am requesting an urgent investigation and resolution of these issues to prevent further damage to my credit and personal well-being. I am prepared to provide any supporting documentation necessary to correct this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

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 non-monetary relief
Consumer complaint received 2024-10-04 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: FL

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

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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:
Despite my numerous efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has significantly impacted my life, causing undue stress and anxiety. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
Despite my numerous efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has significantly impacted my life, causing undue stress and anxiety. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Mohela is my service provider for my student loans. They transitioned my account to their new platform mid-XXXX and was told the transition was complete XX/XX/XXXX. None of my account information or settings transitioned. My auto pay information was gone so my interest rate reduction was gone and was being charged a higher interest rate. My account was put into paid ahead status so that my over payments went toward future payments instead of being paid all at once. My pending payment was distributed incorrectly and so my interest wasn't paid that month for one of my loans. And my interest during the transition period was posted as principle to the new account. I have been calling, emailing, and sending forms consistently since XX/XX/XXXX and have only been jerked around, given conflicting information, or given due dates that come and go by the months. I wait on hold for over an hour each call to be on the phone for potentially hours for someone to say there is nothing they can do to just, try back another day. I'm truly at my wits end and don't know what to do but every month I'm still paying for Mohelas mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute an unauthorized account that has been opened in my name. 

Account Details : Account Number:XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account NumberXXXX Date opened : XX/XX/XXXX I want to clarify that I did not authorize the opening of this account, nor did I provide any personal information or consent for its establishment. 

I kindly request that you investigate this matter and take the necessary steps to close the account immediately. Additionally, please provide me with any relevant documentation associated with this account, including application details and any identification used to open it. 

I am concerned about the potential impact this may have on my credit history and personal finances, and I would appreciate your prompt attention to this matter. I have attached copies of my identification and any supporting documents for your review. 

Please confirm receipt of this letter and keep me updated on the status of my dispute. I appreciate your cooperation in resolving this issue swiftly. 

Please remove them from my credit report as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-10-04 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-10-04 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: KY

Complaint narrative:
Dear Sir or Madam, I am writing to request a reinvestigation regarding a late payment that has been reported on my credit reports from TransUnion and XXXX, but does not appear on my XXXX report. This discrepancy raises concerns about the accuracy of the information reported. 

The details of the account are as follows : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i, 15 U.S. Code 1637 ( b ), and 15 U.S. Code 1681s-2, I have the right to request the removal of inaccurate or unverifiable information from my credit reports. Given that this account is reported as a late payment by two agencies but not by the third, I believe this information may not be accurate and should therefore be removed. 

I kindly request that a thorough investigation be conducted, and if it is determined that the information is erroneous, that it be immediately removed from my credit reports. This removal is crucial to ensuring that my credit history reflects accurate and up-to-date information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-10-04 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:
I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed that I dispute. Despite sending letters over 30 days ago, I have yet to receive a response, and they have failed to provide satisfactory validation. I respectfully request your assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: AL

Complaint narrative:
My accounts 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 to be removed/updated.

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

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

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I made some transactions on my PayPal Credit last year, I was told that I would have 2 years before interest would be added. When I contacted the PayPal representative she said that they the terms were changed and I was not notified. In addition, all my payments have not been applied which further inflates the debt to a higher proportion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: MN

Complaint narrative:
My credit history has been marked with several missed payments ( every month ending with a 31 since XX/XX/year> ). 

My bank records and the lenders payment records show no missed payments. The lender refuses to fix the error, even when presented with documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding Midland Credit Management XXXX, which is acting as a collection company on behalf of XXXX XXXX Bank XXXX. This account is currently being reported on my credit report as a collection item, showing XXXX XXXX Bank N.A. as the original creditor. 

I would like to note that I have never received any form of communicationwritten notice, phone call, or emailfrom Midland Credit Management XXXX regarding this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). I did not receive any notice of the debt or any opportunity to dispute or validate the claim before it appeared on my credit report. 

I request that this matter be investigated promptly and that Midland Credit Management XXXX be required to provide proper documentation and notice regarding this debt. I also ask for the immediate removal of this collection account from my credit report until proper notification and validation of the debt have been provided. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
14 days ago I opened an account with Wise in order to transfer funds earned by myself and my management agency ( we have a 50/50 split deal, I already have my half and now I'm TRYING to use Wise to send my management agency their half ). This business relationship is legitimate and signed by contract. I sent Wise the {$20.00} required to activate the Direct Debit function of their app. I waited for TWELVE DAYS amd had to call customer support twice in that time frame, in which I was told me case would get escalated in urgency. I was lied to the first time and the agent did absolutely nothing to help. The second time the agent said he would escalate my case AGAIN and that I would have to wait at least one working day, AGAIN. As of yesterday the {$20.00} completely DISAPPEARED from my account. It didn't reflect in my bank account at all, and there was absolutely no transaction history of the {$20.00} ever even recorded, its as if someone just deleted it entirely. I called customer service for a THIRD TIME this afternoon, and apparently they claim my case is currently being reviewed by the appropriate team and I will be recieving an email update from them regarding my case, and I was not given an estimated deadline this time, so YET AGAIN I've been told to sit around and wait, and there's nothing I can do about it. This whole ridiculous dilemma is directly affecting my business and my personal life has been completely put on hold over this problem. FOR TWO WEEKS NOW. This is preventing me from accessing money I worked hard to earn, all over a small {$20.00} transaction? It's absolutely ridiculous, this company clearly does not care about their customers at all, in fact I've been treated like absolute garbage this entire time and it has seriously taken a toll on my health dealing with all of this. Absolutely nobody has helped me at all, literally all I need is to use this Direct Debit function and that would solve everything. I truly wish I didn't have to resort to using this app, Wise is the absolute worst " business '' I have ever had the displeasure of dealing with, these people are truly EVIL! 

NOT ONLY THIS, but Wise has severely inaccurately charged me a {$110.00} fee for a transfer I am attempting to schedule. Thus needs to be corrected IMMEDIATELY. When this issue was brought up to ALL of the customer service " agents '' I've spoken to I was assured it would get fixed, and to absolutely no surprise, NOTHING WAS DONE. I will provide a screenshot of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I was traveling to XXXX. At the airport, the vending machine wasn't working properly so I tried using my card. I go to XXXX, use the card a couple times at the resort and go to check if there are going to be issues with using it in XXXX. I see the vending machine company has now repeatedly charged my card and continued to repeatedly charge my card. Having had a previous issue with skimmers at a gas station, I do a fraud warning on my card to stop any more charges on my card. As soon as I get home, I call Chase to let them know what happened and get a new card issued, but I'm told my account is closed, I will never get my account back because of the inappropriate activity. That a credit analyst reviewed my account and I'm not allowed a Chase credit card for this inappropriate activity of disputing the charges, i.e. asking them to freeze the card to STOP fraud. I have over XXXX miles on the card. So they are punishing me for trying to stop fraud, by closing my account, which in turn affects by credit rating because they are the ones that closed it.

Company response to consumer: Closed with explanation