vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
I am only XXXX XXXX XXXX ; and somewhat naive to the process. When I borrowed the {$750.00} in Loan Number XXXX. The company failed to disclose that the annual interest rate was 703.2 % and that they expected XXXX installment payments of {$100.00}. I borrowed {$750.00} and they want me to pay them {$4000.00}. This is a ridiculous and exorbitant amount of interest and they should not be allowed to get away with these unethical business practices. The business name is AFS CS d.b.a Three Sticks Lending ; XXXX XXXX XXXX ; XXXX XXXX  XXXX phone number ( 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 2024-07-26 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: FL

Complaint narrative:
My account with EQUIFAX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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 wife and I hired a attorney back in 2017 to get rid of the timeshare XXXX. Every time we go to make a XXXX purchase or anything, this account keeps popping up! Our lawyer notified us that we no longer have anything to do with the timeshare cause we were lied to during the timeshare process. Yet on experian it is still showing late and negative on our credit report. We also have 3 other accounts on our credit report that are in good standing and closed with them, yet this 1 account is showing late and negative that is now affecting our credit and stopping us from moving on with another purchase we have been trying to do. NO XXXX accounts should be showing as negative or late or delinquent. This account shouldn't even be on our credit anymore showing we owe ANY money!!! We paid a attorney for a reason to get rid of these and these are affecting us every time a purchase is trying to be made. XXXX is reporting late and delinquent when it isn't on a account that's like XXXX dollars! This account needs to be removed from our credit.

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 2024-07-26 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: TX

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

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

I demand the late payment reported in those account 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. 

The details of the alleged debt are as follows : Account Number:XXXX Original Creditor : XXXX Amount : {$1300.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. 

Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. 

Please confirm in writing that you have ceased all collection activities on this account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I paid my statement balance in full on time and was still charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. Items listed above, have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX XXXX  Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX XXXX  Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - 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  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2024-07-26 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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. Items listed above, have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - XXXX XXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian - XXXX XXXX, Auto XXXX XXXX XXXX Experian - XXXX XXXX XXXX XXXX XXXX XXXX Experian - XXXX, Personal Loans companies, XX/XX/XXXX, XXXX - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, EXPERIAN 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  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2024-07-26 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: NY

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2024-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
The credit card company Avant calls me up to 3 times a day 6 days a week for over 30 days I have asked them more than once to stop calling and they still call me daily. When I have called them back and ask them to stop calling me and I get told they aren't calling me, that I called them. I have attempted 3 times to have them stop, including 2 times today XX/XX/XXXX at XXXX, and XXXX. 
their most recent calls are XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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:
Dear Sir/Madam, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA.

Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA.

These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA.

Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders.

I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above.

Thank you for your assistance in protecting consumer rights under the FCRA.

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 2024-07-26 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-07-26 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 urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 2024-07-26 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: NJ

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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