vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my balance information was incorrect. You are reporting Information that incorrect because my balance is paid in full and has been. You also sent myself proof that you received my balance total. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete any balance that is not XXXX because it is inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, sepecifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debts is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete 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 2024-08-19 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: GA

Complaint narrative:
Inaccurate information is being reported on the Equifax account and they are refusing to help me. I am also unable to log in online and file a dispute. I am escalating this as I am trying to get a house and they have incorrect information. I have 9 accounts and they are only reporting 5 and my score mysteriously dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm a victim of identity theft, my personal information has been compromised. An account was fraudulently opened using my information. Account info : account number XXXX. BANK NAME : XXXX XXXX XXXX .Date opened : XX/XX/2022. Balance : {$8400.00}. I need this fraudulent account to be removed from my credit report immediately, it is hurting my credit drastically. I was in a bad a car accident a few years ago, since then I have been hospitalized and unable to monitor my finances. I contacted XXXX XXXX and advised them that this account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT, I WILL BE ATTACHING THE IDENTY THEFT REPORT THAT I FILED WITH THE FTC.

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 2024-08-19 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: KY

Complaint narrative:
I did a Credit Card payment plan through XXXX XXXX. They take a little over {$600.00} a month out of my checking account and pay my cards for me. I have 4 of the credit card companies that have reported to the credit bureaus that my accounts were charged off when in fact they are still getting paid through the plan. XXXX XXXX works with the credit card companies and make a payment plan and come to an agreement. What can I do to make them take the CHARGE OFF status off the credit report when they are still getting paid as if I were paying them myself? I never missed a payment or was ever late. They were usually always paid early and for more that the minimum.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: KY

Complaint narrative:
I did a Credit Card payment plan through XXXX XXXX. They take a little over {$600.00} a month out of my checking account and pay my cards for me. I have 4 of the credit card companies that have reported to the credit bureaus that my accounts were charged off when in fact they are still getting paid through the plan. XXXX XXXX works with the credit card companies and make a payment plan and come to an agreement. What can I do to make them take the CHARGE OFF status off the credit report when they are still getting paid as if I were paying them myself? I never missed a payment or was ever late. They were usually always paid early and for more that the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I did a Credit Card payment plan through XXXX XXXX. They take a little over {$600.00} a month out of my checking account and pay my cards for me. I have 4 of the credit card companies that have reported to the credit bureaus that my accounts were charged off when in fact they are still getting paid through the plan. XXXX XXXX works with the credit card companies and make a payment plan and come to an agreement. What can I do to make them take the CHARGE OFF status off the credit report when they are still getting paid as if I were paying them myself? I never missed a payment or was ever late. They were usually always paid early and for more that the minimum.

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 2024-08-19 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: IN

Complaint narrative:
My account with 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 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 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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year> I filed a fraud claim with my bank Wells Fargo, they took over two weeks to respond and I received a letter today, XX/XX/year> saying they denied my claim because they believe it was me or someone with access to my card, it was not. The two transactions total XXXX $ and Wells Fargo will not give me any information

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Assistance with Experian Dispute Dear CFPB Representative, I am writing to request your assistance regarding an issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite my efforts to resolve this matter directly with them, I have encountered significant difficulties.

I recently discovered that an address that I have never lived at is listed on my credit report. This inaccurate information is negatively impacting my credit score and my ability to
secure credit. I have attempted to dispute this information with Experian multiple times, providing evidence including Driver 's License, Electric Bill, Car Insurance 2 FTC reports with my address listed on there. 

Unfortunately, Experian has not cooperated in resolving this issue. They have either failed to respond adequately to my dispute or have not removed the erroneous address from my report. This lack of cooperation is concerning, as I am committed to maintaining an accurate credit history. 

I kindly request your assistance in addressing this issue. I believe that your intervention could help facilitate a resolution with Experian. I have attached copies of my correspondence with Experian and any supporting documentation for your review. 

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

Sincerely, XXXX XXXX XXXX THERE ONLY NEEDS TO BE 1 ADDRESS ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Following the XXXX data breach I signed up for an account with Equifax to freeze my credit. However, Equifax does not enable XXXX factor authentication to login to the Equifax account. That means that this company that " monitors '' my credit does not even have the basic XXXX factor authentication that almost every other financial institution employs. 

This is egregious. They have access to all manner of credit information but a simple username and password will log me into the site. Social media companies have more robust security and all they are protecting is memes and stupid videos.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
In doing my research against my pending lawsuit against the debt collector XXXX, I discovered that the CFPB regularly files XXXX briefs, as in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

The specific item in this case, that XXXX appears guilty of, is claiming in an affidavit filed with a court that a person had personal knowledge, when they in fact did not. 

I am attaching a copy of an affidavit from XXXX from a person with the name XXXX XXXX. 

I have never met XXXX XXXX, never had any interaction with her, although she claims personal knowledge. 

It therefore seems there is yet another dishonest tactic being used by the sleazy firm Mullooly Jeffrey Rooney & Flynn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I applied for a credit loan through XXXX furniture store to pay for for a couch for our new home. It was a loan to be paid off within 1 year. The puchase was made in XX/XX/XXXX. 

The loan was through Fortiva. I paid it off within the stipulated 1 year duration. 

It was paid off, to be more precise, in XXXX of XXXX. 

In XXXX of XXXX, I received a credit card bill for a card I never applied for and consented to. The bill was for {$57.00}. It was for an activation fee. And the card was with Fortiva. 

I immediately called their customer service line. 

They told me that because I never responded to their email in XXXX, they take that as a green light to move forward with opening a credit card in my name. 

I told them I would not be paying the {$57.00} fee and to close my account. I recieved a confirmation email that they closed my account. 

Today, on XX/XX/XXXX, I recieved an email stating I owe them {$27.00} this month and the {$57.00} fee is still outstanding. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion and XXXX for their failure to respond to a dispute letter I sent in XXXX, XXXX, regarding inaccuracies on my credit report. Their lack of response and failure to provide notice of investigation or method of verification constitutes clear violations of the Fair Credit Reporting Act ( FCRA ).

1. Violation of FCRA 611 ( a ) ( 6 ) : Under FCRA 611 ( a ) ( 6 ), credit reporting agencies are required to provide the consumer with a notice of investigation and the results, including the method of verification, within 30 days of receiving a dispute. Despite my dispute letter sent in XX/XX/2024, neither TransUnion nor XXXX has provided me with any notification of their investigation, nor have they informed me of the method used to verify the disputed information. 

XXXX. Continued Reporting of Inaccurate Information : Both TransUnion and XXXX  have continued to report inaccurate information on my credit report without providing any justification or validation for doing so. This has resulted in continued damage to my credit score and hindered my ability to obtain credit, which has caused financial and emotional distress.

3. Entitlement to Damages : Under FCRA 616 and 617, I am entitled to seek damages for willful and negligent noncompliance with the FCRA. I am requesting {$1000.00} per violation due to the harm caused by their failure to investigate and correct the disputed information.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been trying to fix this issue with Experian for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major mental distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.

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 2024-08-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account from XXXX XXXX is having a very negative impact on my credit score while Iam trying to start my business I have been made aware of these accounts and Experian has not provided any resolution after multiple attempts to get this issue resolved I now demand that this account be removed immediately 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 2024-08-19 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: FL

Complaint narrative:
Below are attached files of my identity, my report & my dispute letter. I am asking that it be reviewed by a human & not a robot. Please be sure to erase all of the fraudulent accounts from my report for I am a victim of identity theft. The following accounts are coming back verified when I never OPENED IT. Please REMOVE THESE ACCOUNTS.

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 2024-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: CA

Complaint narrative:
I moved out of my apartment XX/XX/XXXX Bought out my lease. XXXX went thru- gave me final amount for buyout, got money order, paid and signed off! 
XX/XX/XXXX - a collection impacts my credit report for {$400.00} from the apartments I moved out of in XXXX XX/XX/XXXX - called collections and asked why they never mailed me my letter and why the apartments never contacted me, and also told them I owe nothing. I asked to get a letter mailed to me or electronically sent, and the collections said they sent my letter to an address Ive never heard of. The apartment complex denies me owing and my XXXX XXXX went down XXXX points They now call me XXXX or more times a day starting at XXXX am sometimes. 

Its harassment and I dont even know what its for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Last XX/XX/year> XXXX approved a wire transfer x XXXX transactions to XXXX XXXX. {$870.00}, {$1700.00}, & {$390.00}. The hackers used my debit card and I discovered it right away within an hour after the transactions were made. I reported it right away to Chase and to the merchant XXXX XXXX. But apparently within XXXX minutes the money was processed. It was supposed to go to XXXX in the XXXX under my sister 's name. I have dealt with world remit for the past 2 years to send money to my sister regularly like once a month or every other month. But this time they used a different account number, different mobile number. XXXX bank sent me a letter that the transactions never went thru because of the discrepancies of the account holder 's information. So Chase denied my claim stating that I did the transactions myself. Why do I have to go thru the trouble of reporting this to the local police dept, Fbi fraud dept, Nevada attorney general, federal trade commission and even to your dept? Please help! I am a retired XXXX yr old with limited income. I could not pay my mortgage and outstanding credit card dues this month because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation