vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute items reported by TransUnion, XXXX and XXXX on my credit report that have not been validated as required by law. I have requested the process and documentation used to validate the accuracy of these debts on three separate occasions, and TransUnion, XXXX and XXXX have failed to provide this information while continuing to report these items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), TransUnion, XXXX and XXXX are obligated to ensure that all information they report is accurate and verifiable. Their failure to provide me with the process or documentation used to validate these debts is a violation of my rights under the FCRA. All accounts must be deleted 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 non-monetary relief
Consumer complaint received 2024-12-20 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: PA

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 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 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 2024-12-19 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: TX

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 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 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
Tried to work this out with the company directly they declined through email and told me to deal with their lawyer so Im filing another complaint. It isnt the lawyers fault that XXXX  keeps violating my consumer rights. Im getting the run around so whos responsible for the right violations? XXXX will be held accountable for these violations. 


Dear XXXX XXXX XXXX, I am writing to formally request a review and adjustment of the late fees applied to an alleged credit card account, XXXX  account # XXXX in light of the recent rule finalized by the Consumer Financial Protection Bureau ( CFPB ) located straight from the CFPB website on XX/XX/2024. This rule effectively reduces the maximum allowable late fee from {$39.00} to {$8.00} by closing a loophole that had been exploited by large card issuers. 

I have noted that the alleged account has incurred late fees totaling well over {$500.00}, which I believe are excessive and inconsistent with the new regulations established by the CFPB. Specifically, I am requesting that the late fees charged be reduced to the new standard of {$8.00} or dropped completely as stipulated by the CFPB. 

I kindly ask that you review my account and adjust the fees accordingly. 

If my request can not be accommodated, I would appreciate a detailed explanation regarding the decision. Should I not receive a satisfactory resolution, I may consider filing another complaint with the CFPB, where I will seek additional compensation of up to {$1000.00}, in addition to the other substantial damages I have already faced. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was sent an alert from my XXXX report for an Amex Inquiry on XX/XX/year>XXXX  which is incorrect. I did not apply for an Amex card, and I did not give permission to run my credit for any inquiries. 

Also, XXXX XXXX appeared on my XXXX credit report twice. This is also incorrect. I only applied for 1 credit card with XXXX XXXX in XX/XX/year>. The inquiry from XX/XX/year> is incorrect on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Pleasesend me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX XXXX : XX/XX/year> Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 
FTCIdentity Theft Report Proof of identity Notice to Furnishersof Information Companies Involved XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is making my life very hard. They keep finding very old debts and placing them on my credit. Today I received an email and a text stating that i owed a debt of {$540.00} to XXXX from an account from XXXX. This debt was charged off XX/XX/year>. Reading up on the statue of limitations of my state PA this debt is old and they can not put this on my credit report or keep harassing me about this. This is not their first time doing this and me having to fight to get things removed off of my credit. Please advise me my rights with this. Thanks Original Creditor XXXX account number XXXX XXXX  account number XXXX charge off date XX/XX/year> amount {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Good day, I can not overstate how distressing and frustrating this situation has been. Discovering an unverified debt that I have no knowledge ofone that simply does not belong to mehas been overwhelming. To make matters worse, I have been bombarded with harassing communications through various channels, accompanied by unwarranted threats of legal action. This has been an incredibly upsetting experience as a law-abiding citizen, and I feel that my rights as a consumer are being blatantly disregarded. This ordeal is taking a significant toll on my mental health, causing sleepless nights and ongoing 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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Good day, I can not overstate how distressing and frustrating this situation has been. Discovering an unverified debt that I have no knowledge ofone that simply does not belong to mehas been overwhelming. To make matters worse, I have been bombarded with harassing communications through various channels, accompanied by unwarranted threats of legal action. This has been an incredibly upsetting experience as a law-abiding citizen, and I feel that my rights as a consumer are being blatantly disregarded. This ordeal is taking a significant toll on my mental health, causing sleepless nights and ongoing XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of a late payment by Capital One Auto Finance to the credit bureaus. The payment in question was made on time, yet it is falsely reported as late on my credit report. This error is unfairly damaging my credit score and affecting my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
My credit report contains incorrect late payment entries that dont match my typical payment history. I kindly request that these errors be corrected and my account updated.

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 2024-12-20 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX XX/XX/year> Recipient Name or Department Goldman Sachs and co XXXX XXXX XXXX XXXX, PA, XXXX ] Subject : Fraudulent Account Dispute Dear Goldman Sachs and co or " To Whom It May Concern '', I am writing to dispute an account that appears on my credit report ( or statement ) and that I believe has been opened fraudulently in my name. I discovered this account on [ date you discovered it ], and it has caused significant concern. 
Details of the fraudulent account : Creditor/Company Name : Goldman Sachs and co Account Number : XXXX Amount : {$2100.00} Date : XX/XX/year>XXXX  I did not open this account, nor did I authorize anyone else to do so on my behalf. This account is not mine and should be removed from my records immediately. I have taken steps to protect my identity, including filing a police report ( if applicable ) and placing a fraud alert on my credit file with the major credit bureaus. 
Enclosed, you will find the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license, passport ). 
A copy of my credit report highlighting the fraudulent account. 
A copy of my police report or FTC Identity Theft Report ( if applicable ). 
Any additional documents you require to verify my claim. 
Please investigate this matter and remove the fraudulent account from my records. I request that you provide me with a written confirmation of your findings and actions within 30 days. 
If you require any additional information, feel free to contact me at [ your phone number ] or [ your email address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian reported all the listed accounts in the pdf that I am completely unaware of. I need all listed accounts in the pdf attached removed expeditiously. I did not make these reports nor give permission. I have filed an identity theft report ( FTC REPORT NUMBER : 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