vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: SC

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 TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have two discover cards. One of my cards back in XXXX apparently had a late payment because there was a return of funds. I contacted Discover about the issue and set up a payment immediately because I was never informed that there was a late payment. Now in the month of XXXX, I have another late payment on another card with Discover. I was surprised because I make all my payments on time and the account was on Autopay. The representative told me that the payment was rejected in XXXX and then autopay took XXXX XXXX  less than due causing the payment to be late. I have never heard of Autopay taking a partial payment. She then reviewed my account stating communications had been sent to XXXX. This is my father 's phone number and I have never given discover his number, muchless to place on my account as a point of contact. My phone number has and always been XXXX, I have had this number since XXXX. The late notices were never sent to me because discover someone listed an incorrect phone number on my account and it was just removed this XXXX. I have been with Discover since XXXX and I have never had late payments. I would like the issue be resolved and my accounts be updated to on time to reflect payment on time since this was the fault of Discover. My credit is now negatively affected because of this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
On XX/XX/XXXX, I received notice from XXXX XXXX XXXX regarding a debt I owed CKS Prime Investments in the amount of {$1400.00}. CKS purchased this debt from the XXXX XXXX XXXX, where I had a credit card. I requested more information about the debt via email to XXXX at XXXX that evening from my personal XXXX To that, I received no written confirmation or response. However, on XX/XX/year> I received a letter from XXXX XXXX showing me a credit card statement to the debt for a XXXXXXXX XXXX Card that was authorized by the XXXX XXXX XXXX. They claimed they could move forward with proceedings but wanted to hear from me first. I quickly wrote an email to XXXX ( XXXX ) which is the primary email listed on the letter I received and is well advertised on their website. I acknowledged the debt, and offered to settle for {$1000.00} over 8 monthly payments. I received no response. Due to another recent legal issue I had, I have browsed a local court docket and noticed a lawsuit was filed ( statement of claim ) against me on the early morning hours of XX/XX/year>. It was seeking legal action that for the entire amount stating I had not responded or articulated interest in settling or communicating. Further, they took that step without # XXXX responding to my request and # XXXX showing that XXXX had actually purchased the debt from the XXXX XXXX XXXX  ( only a credit card statement ). 

The law firm dated my letter validating the debt on XXXX XXXX XXXX but I did not receive it until XXXX XXXX. The letter was not sent via certified mail nor with tracking information so there was no way of knowing I received it. I communicated immediately after receiving this message and I know they do receive my emails, because I finally received the validation 2 months after I requested it via email but did not get an acknowledgement. They did not account for the fact that they dated their letter on XX/XX/XXXX, but I didnt receive it timely and as a result they initiated legal action against me despite my ongoing efforts to resolve it. 

Once I came across the lawsuit yesterday, I emailed a letter to the counsel on file, XXXX ( the primary email of receipt for the suit ), and XXXX. I requested they accept my offer and make me a counter offer. Further, that they cease service of process and withdraw the statement of claim against me because I had made a documented effort to reach them in a timely manner after I received acknowledgement.

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 2024-08-30 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:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-30 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Triton Recovery Group
State: FL

Complaint narrative:
https : //www.tritonrecoverygroup.comXXXX XXXX XXXX XXXX This company has on mutliple occasions threatend to seize property, destroy our Personal credit and seize any assets. This is a standard demand of them. This happens on a monthly basis. 

We have told them on multiple occasions that we intend to make good the obligation, but the threats do not stop.

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 2024-08-30 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I don't owe this debt the debt collector is trying to collect. I have no agreement with the company. Cease and desist from contacting me about this debt.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-30 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My husband, XXXX XXXX and I paid off our Wells Fargo Home Equity Line of Credit Loan ( HELO ) in XX/XX/XXXX. I have repeatedly asked Wells Fargo Home Mortgage and XXXX to update my credit report concerning this account. I filed disputes with XXXX in XXXX and again this month, XX/XX/XXXX requesting to update my credit report to reflect the HELOC Wells Fargo account is paid in full and on-time. I reached out to Wells Fargo by phone this month XX/XX/XXXX ( once again ) to help correct this credit reporting error. 

I received documentation by email this month, XX/XX/XXXX from Wells Fargo Home Mortgage showing that HELOC account has been satisfied. The document shows the lien was reported to my local county and the lien was removed from my property. I requested that XXXX investigate and confirm that this account is, indeed paid in full and fully closed by Wells Fargo Home Mortgage since XXXX. My request has fallen on deaf ears for years. This false and inaccurate information has been continuously kept on my XXXX Credit Report for years causing great damage to my credit score, and financial damage preventing me from acquiring favorable interest rates for much needed home repairs and from obtaining college loans for my children. My house is almost paid off and I have been PREVENTED from applying for a new HELOC loan by this credit reporting error, and also the beneficial credit score rewards of paying off both my former HELOC loan and over 86 % of my house mortgage. 

XXXX knows that I have an excellent payment history for many years with all of my creditors. Yet, my credit score remains in the extreme low XXXX XXXX for YEARS due to many errors that they REFUSE to fix. How can my score be so low after nearly paying off my house since XXXX ( approx. 1 year left of payments ), and fully paying off a {$29000.00} HELOC in XXXX, and no missed payments for all of my other creditors? Why do I always have the extreme low XXXX 's credit score? ERRORS! 

This will be the last time that I will ask for XXXX and Wells Fargo to get together to correct this major error that has been ALLOWED to damage my credit, my personal finances, my family 's ( college ), and my home ( needed repairs ). The next complaint will be higher.

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 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: HI

Complaint narrative:
XX/XX/year> {$1000.00} This was a fraudulent scam involving a XXXX XXXX XXXX. 
Company refused to take liability for one of their customers, which they verified as a real and true person.

Company refuses to use their bond and insurance to recover the funds.

Company refuses to supply their underwriting company and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Company has called me after Ive asked them to stop & even sites that it was illegal per CFPB policy. I have received 11 calls from XXXX  since Tuesday, multiple calls are made everyday. XXXX has been contacting me using the same method for months

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 2024-08-30 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
The inaccurate and inconsistent reporting of an account related to XXXX XXXX XXXX XXXX, Account # XXXX across different credit bureaus. After thoroughly reviewing my credit reports, I have identified several discrepancies that require immediate correction. These discrepancies include : Inconsistent Balances and Account Information : The reported balances and account details vary significantly across the different credit bureaus. 
Original Creditor 's Name : The name of the original creditor differs on each credit bureau report.

Collection Agency Information : The collection agencys name, address, and phone number are inconsistent across the reports.

Reporting History : The payment history associated with this account varies between the credit bureaus.

Last Date of Activity : The last date of activity reported for this account differs on each credit bureau report, with varying remarks across the reports. 
These inconsistencies indicate improper updates that are both misleading and harmful to my credit report. Despite this misleading information, this account was allegedly updated to be accurate according to Report Number XXXX, dated XX/XX/XXXX. 

In this previous dispute, I state that the account in question, XXXX XXXX XXXX XXXX, Account # XXXX, was charged off in XX/XX/XXXX. However, Experian has repeatedly updated the account as " charged off '' every month since then. This continuous update is misleading and inaccurately reflects the account 's payment history. A charged-off account should not have an active payment history after it has been charged off. By improperly updating the payment history, Experian is manipulating the statute of limitations, which is misleading and harmful to my credit report. 

Additionally, I believe that Experian 's failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. 

Given these ongoing issues and the failure to correct them, I am formally requesting that the XXXX XXXX XXXX XXXX, Account # XXXX be deleted from my credit report immediately. To summarize, this neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included a copy of my credit reports, highlighting the inconsistent reporting across multiple credit bureaus, as well as a copy of the dispute results from 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
Consumer complaint received 2024-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CA

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 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
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.

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 a 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 ( A ) ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I can't figure out why. I routinely check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the inaccuracies remained. Because of this, I urgently need the documents I've submitted to be thoroughly reviewed so I can finally put this worry to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I purchased a XXXX from Ford Motor Company. The XXXX XXXX XXXX  Lightening vehicle was declared a XXXX under XXXX  Lemon Law months ago! 
Ford refuses to send payoff check to the issuing bank and continues to give me a hard time of fully processing this XXXX XXXX of a vehicle! 

The vehicle was provided weeks ago to Ford. The documents were provided weeks ago. Ford is intentionally causing delays in processing payoff for the lemon vehicle they sold!!

Company response to consumer: Closed with explanation