vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
This company will not answer their phone. They brought debt from a company that I already disputed named XXXX which was found to be fraud. The company name DNF Associates {$3300.00} opened 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 2024-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
XXXX  Serviced by Loan Mart, continues to send out harrassing messages, stating, " need to speak with you about broken promises on your loan '' and was yelling thru via text with the words " ASAP! '' all in capital letters, which means they are yelling at the consumer. I feel harassed and being bullied by the company due to the fact that I have automatic recurring payments being completed every other week. No company shall harass any consumer in the way this company is doing. Each time I have paid, the next day they claimed I did not make a payment, and I did not have a " payment arrangement '' which is not true. Loanmart will not give any customers the 24 hour day before an email is sent out. For instance, Payment is Due on XX/XX/year>, and im planning to pay this particular payment by XXXX. By XXXX, an email is sent out claiming " You broke your agreement '' this is not true due to the fact that the Day have NOT ended. Per Federal Law, Fair Labor & Consumer standards act, there is 24 hours within the day. Not 4 hours. Loan mart is not giving the consumers a chance to make the payment, before a harassing email, phone call and text messages come out within minutes of them opening their doors. This can be emotional abuse to the consumer as they are attempting to navigate the work day, & have not had the opportunity to go online. If I was going to be treated like this as a consumer with zero respect, then I would never have gotten a loan from them. I guess this is how they treat XXXX XXXX as a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: OH

Complaint narrative:
I am writing to you as the holder of credit card account number XXXX XXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

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 2024-09-26 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: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-09-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXXollectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-09-26 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 XXXX XXXX XXXX XXXX DEPT OF ED/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 to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX  AND DEPT OF EDXXXX 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 2024-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had several customers send payment using cash app over the weekend of XX/XX/year>. When I went in to accept these I noticed about XXXX transactions failed. When I contacted support they kept giving me the run around and said to try again later. When I called them to speak with an actual person they said that I exceeded the amount of transactions I can approve. I asked what was my limit and they could not provide that. I then asked how do I retrieve these funds and they said I would have to request the money from all XXXX people. They already got the business so there is no way I can trust that they would be willing to pay. So therefore I lost {$420.00}. I said how was I suppose to know I could not accept that many transactions and they said unfortunately our terms changed and we did not send email blast or any notifications. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital has an account on my credit report that is not mine. I have reached out to them several times and they are just rude and not very helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I received a letter in the mail on XX/XX/XXXX stating that I authorized a {$200.00} payment for my outstanding debt. 

I looked through my consent judgment and saw that I authorized to pay {$100.00} on XX/XX/XXXX and {$100.00} each month thereafter beginning XX/XX/XXXX. Based on the verbage, I realized that I did okay a {$200.00} payment. 

Today, XX/XX/XXXX, I received a letter in the mail stating that I authorized a reoccurring payment in the amount of {$200.00} on XX/XX/XXXX. 

I reached out to XXXX XXXX XXXX at XXXX on XX/XX/XXXX to discuss this issue. I spoke to a lady by the name of XXXX XXXX. She told me their consent. Judgment showed I authorized a {$200.00} payment on XX/XX/XXXX and {$100.00} each month thereafter payments being the XXXX of each month. 

I told her that is not what I received from the XXXX XXXX XXXX XXXX and I did not sign the form she was looking at. She asked me to send her my consent judgment and I did. 

After she received it she told me she had to send it to management and they would contact me in 2 days to hopefully fix this. 

I requested a copy of the consent judgment form they allegedly have on file and they decline to give me this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a account that the balance is reporting incorrectly this was paid in full and I will like this to be updated or removed from my credit profile

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 2024-09-26 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a Macy 's credit card account which I use occaionally. It is my practice to pay off card within 3 months of creating a balance. XXXX XXXX XXXX I had a balance of {$350.00}. I paid {$100.00} in advance of the due date ( XX/XX/XXXX ) which left a balance of {$250.00}. The following month I paid {$150.00} in advance of the due date ( XX/XX/XXXX ) which left a balance of {$110.00}. The following month I paid the balance in full of {$110.00} which left XXXX XXXX XXXXXXXX 
I received a statement in XXXX which had a balance of {$2.00}. Since my bill is due the XXXX of each month I called Macy 's directly ( XXXX ) and spoke with a representative by the name of XXXX. I explained my bill was paid in full as of the due date last month and asked why I had a charge of {$2.00}. She removed the charge. Today, XX/XX/XXXX I had a message indicating that I needed to contact Macy 's because of a delinquent account. I called the customer service account on my bill ( XXXX ) and inquired about the deliquency. I was informed that I had a {$2.00} delinquent bill and a {$29.00} late fee. I culd not understand the representative and asked to speak with someone else. After 3 attempts I was transferred to XXXX who indicated she was a customer representative for both Bloomingdales and Macy 's. I again inquired as to why my account was delinquent. The call was disconnected. I called back and was connected to the collections department. I spoke with XXXX and was informed that the original {$2.00} charge was removed. I than inquired about the additional {$30.00} balance and was informed it was a late fee. The fee was eventually removed per XXXX after many attempts at explaining the eronious charge. I have had a Macy 's account for over 20 years and I do not appreciate how I was treated. I pay my bills on time so that I can maintain good credit standing. This practice should be outlawed.

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 monetary relief
Consumer complaint received 2024-09-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against Experian for Inaccurate Credit Reporting Dear CFPB, I am writing to file a complaint against Experian regarding the inaccurate information being reported on my credit report. 

Today, I spoke with XXXX XXXX XXXX at XXXX XXXX, and they confirmed that the loan I settled with them on XX/XX/2023, is not a charge-off account. They received their payment on XX/XX/2023. 

According to the Fair Credit Reporting Act ( FCRA ), any inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days. A charge-off occurs when a creditor determines that a borrower is unlikely to repay several months of missed payments and subsequently writes off the unpaid debt as a loss. Such negative marksincluding missed payments, charge-offs, and collectionscan significantly harm a consumers creditworthiness. 

Given that XXXX XXXX XXXX has confirmed the status of my account, I respectfully request that you compel Experian to remove this account from my credit report due to inaccurate reporting. 

Thank you for your attention to this matter. 

Sincerely,

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 2024-09-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax FAILED to notify me within 5 days and have unlawfully REINSERTED account XXXX XXXX XXXX XXXX ( CLOSED ACCOUNT ) back on my Equifax Credit report after I submitted a dispute via CFPB # XXXX on XX/XX/year> and received the results on XX/XX/year> that the account XXXX XXXX XXXX  was DELETED ( Screenshots Attached as PROOF ). 
This is an illegal act in accordance with the Fair Credit Reporting Act and I will SUE for Damages and Attorney Fees if it is not DELETED immediately from my Equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation