vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I called Credit Collection Services, they have reported on my credit report that I owe money on two accounts that I have no knowledge of. The first account is reporting that I owe XXXXXXXX XXXX and it was opened on XX/XX/XXXX. The second account is XXXXXXXX XXXX and it was opened on XX/XX/XXXX I have no knowledge of these accounts and I called Credit Collection Services at XXXX to get a Validation Letter and the phone number given is not a working number that is the only number given.

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 2024-10-24 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction, including letters dated XX/XX/year>XXXX XXXX XXXX my requests have been ignored. Both XXXXXXXX XXXX XXXX have already removed the inaccurate late payment from my credit report after confirming the error, yet TransUnion continues to report this inaccurate information, negatively affecting my credit score. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reported by TransUnion suggests a failure to comply with this requirement. Additionally, under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information in consumer files, which has not been upheld in this case. 
TILA Violations : The Truth in Lending Act ( TILA ) requires accurate and timely disclosures to consumers. The continued reporting of an inaccurate late payment by TransUnion has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Evidence of Removal by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have removed this late payment entry due to inaccurate information provided by XXXX XXXX. Their actions further prove that the late payment should be corrected or removed from my credit report with TransUnion as well. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the relevant agencies. 
XXXX Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction.

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 2024-10-24 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: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-24 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I am set up on AutoPay on the XXXX of every month. Somehow, every time Avant processes my autopay, they say I have insufficient funds and they return my payment and charge a {$15.00} fee so I have stopped allowing autopay to draft. On XX/XX/year>, I made a {$180.00} payment via debit card and selected to have it applied to the upcoming installment, so the autopay on the XXXX didnt draft. They drafted on the XXXX anyways and notified me a couple days later of again another returned payment and a {$15.00} fee. I contacted them when they processed the payment on the XXXX and I was told to call back to have the fee waived as the payment shouldnt have been processed. I called on XX/XX/year> and was told they wouldnt waive the fee because it was MY error. How is it my error when I made the payment early and for more than what was owed? This company is criminal and I expect there will be class action lawsuits about the way they process payments and charge fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, I requested from Wells Fargo proof of the Debt by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX {$55.00} This debt reporting on my credit report is not valid.

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 2024-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Peoples Credit Inc.
State: IL

Complaint narrative:
XX/XX/year> I got into a car accident. In resulted in a total loss. I was able to file a claim with my insurance and attempted to file with my XXXX insurance as well. XXXX insurance said they needed proof of a total loss before helping. At the time of the accident I had both. The same day, ( XXXX ) I made an insurance claim with no problems. I later checked the status of my claim on a different day and was told my insurance was inactive. I made the claim with no problem before. The loan company knew of this and we were waiting for a response from XXXX on the spot. 
My car was completely damaged and not drivable at all. I was struggling to make ends meet to paying off this car. I do not think the repossession of the vehicle is accurate but definitely struggled to make payments on the vehicle after the accident. Emails and phone calls were attempted with the company, but the customer service was terrible. I felt like I wasnt being helped enough as a college student during COVID

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax credit report shows collection notice from collection agency. I Identified the source of the claim. The claimant XXXX XXXX  ) had my Name on the account, they had wrong address, wrong SS #, Wrong Email, Wrong telephone and wrong DOB. My complaint is with Equifax, I could not contact them with providing about 10 pieces of identification yet they put a claim on my credit report without any identified information other than my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-10-24 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: AL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Subject : Fraudulent Credit Card Charge by Attorney Unauthorized Transaction Affecting My Credit Date : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone Number : ( XXXX ) XXXX Credit Card Issuer : XXXX XXXX Credit Card Account Number : ending in XXXX Complaint Details : I am writing to file a formal complaint regarding a fraudulent and unauthorized charge made to my credit card by an attorney. The charge was not signed or authorized by me, and I have never consented to or engaged in any transaction with this attorney that would justify such a charge. 

Here are the relevant details : Name of Attorney : XXXX XXXXr Date of Charge : XX/XX/year> Amount Charged : {$800.00} Actions Taken : XXXX. Upon discovering this fraudulent charge, I immediately contacted my credit card issuer to dispute the transaction. However, despite my efforts, the charge has negatively impacted my credit report. 
XXXX. I also filed a formal complaint with the Florida XXXX regarding this attorneys misconduct and unauthorized actions, as this falls under unethical behavior and potential fraud. 
XXXX. To date, this issue remains unresolved, and it is unfairly affecting my credit score and financial standing.

Resolution Sought : I am seeking the following resolutions : 1. Immediate removal of the unauthorized charge from my credit card account.

2. Reversal of any negative impact this charge has had on my credit score.

3. Full investigation into the attorneys fraudulent actions by relevant authorities.

Attached are supporting documents, including : Copies of my credit card statement showing the unauthorized charge. 
The Florida XXXX complaint I filed against the attorney. 
Any correspondence between me and my credit card company regarding the dispute. 

Please investigate this matter as soon as possible, as the ongoing credit damage is causing me significant financial harm. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I recently paid off our home and it just posted that a loan we paid off is still active and increased which cant be possible considering we have no loan anymore. Credit wont increase with the wrong information on credit report. We 100 % own our home and again have no loan so not sure why its even showing we do let alone increasing when there is no loan to increase. Needs removed completely from my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On XX/XX/year> I was notified that National Credit Systems reported a {$3100.00} debt to my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-24 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: OH

Complaint narrative:
There are several billing mistakes on my credit report, especially late payments that dont reflect my typical payment practices. Please rectify these errors and update 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 non-monetary relief
Consumer complaint received 2024-10-24 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: NY

Complaint narrative:
My credit report shows billing errors, including late payments that don't match my history. Please fix these mistakes and update my account. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-10-24 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation