vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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 was shocked to see inaccurate accounts suddenly appear on my credit report this afternoon. I had no clue why this happened! When I checked my report, I noticed discrepancies that seemed to come out of nowhere. I even tried refreshing my browser to see if it was a temporary glitch, but that didnt help at all. The inaccurate accounts stayed on my report despite my efforts. Now, Im pleading for the documents I submitted to be reviewed thoroughly so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there is an item on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to dispute these charges of XXXX on XXXX through my bank account and through XXXX I contacted Wells Fargo claims specialist for help and they told me it would take up to 10 business days and the next day it was closed without any explanation from Wells Fargo I would love to get my money back as I feel they are supporting the scammer in this case here are the dates and amounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-10-26 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:
On XX/XX/year> I submitted disputes for all derogatory marks on my TransUnion LLC credit report. As a result some were deleted but some remained. Today, XX/XX/XXXX XXXX XXXX XXXX shows on my credit report when just yesterday XX/XX/year> it was showing it was deleted.

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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-25 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: IN

Complaint narrative:
I recently reviewed a copy of my credit card and noticed I had fraudulent accounts on my report. I want the fraudulent account to be removed from my credit report immediately because they 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 2024-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
SLOAN SERVICING had me to send in an IBR application as I have with the previous company and today regardless of the fact that I have XXXX income they are changing me over {$60.00} per month I have never dealt with this from the previous company this feels like discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
I called to complain on XX/XX/XXXX at XXXXXXXX XXXX. I called w/ a concern about being charged interest on my account. There was a period when the balance transfer amount accrued no interest. After that period the amount would be charged interest. I was informed of this many months ago. When the period was coming to a close I should have been informed of my options to pay off the transfer or to continue to make minimum payments which would reflect any interest. This would be the 2nd time. Of course, Discover, since it was in the company 's interest, felt that the initial notice was good enough. That is what I called to complain about. I spoke to 2 people in XXXX XXXX XXXX. The 1st person on the phone refused to be of any help so I asked to speak to someone else and was helped by a supervisor. Though I did not make a note of the 2 persons names ( why bother as it will make no difference to Discover ), the supervisor promised to credit the months of interest and gave me the amnt of {$1100.00} to pay the transfer and avoid any interest. ( during the interest free period I had made all payments on time ). Despite this I have received notice that I still owe {$75.00} w/ a payment due on XX/XX/XXXX. I am concerned that I was deliberately given misinformation and unless I make some payment on XX/XX/XXXX Discover will make a defamatory credit report. I have scheduled such a payment but protest and do not give up any of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I did not receive a letter of verification of debt. I was never contacted on this issue. I'm not even sure it is even my debt they are trying to collect. I believe it is a false derogatory mark 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
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXX XX/XX/year> {$850.00} XXXX XXXX XXXX XX/XX/year> {$880.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} CKS Prime investment XX/XX/XXXX {$1400.00} I have never heard of these companies and have not taken out any loans this year. They are stating that they are open account when I have not heard of them or taken out any loans with them.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXX XX/XX/year> {$850.00} XXXX XXXX XXXX XX/XX/year> {$880.00} Midland Credit XXXX XX/XX/XXXX {$1100.00} Midland Credit XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} I have never heard of these companies and have not taken out any loans this year. They are stating that they are open account when I have not heard of them or taken out any loans with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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 account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: NY

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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have mailed several certified letters to this collection agency and they continue to negatively report on an account that i have advised them does not belong to me. The event went n to threaten me to reopen the debt and sue me. to also " Be careful " how i responded to them because it could put me in harms way. That they would not stop the collections and continue to report. I have all of the documentation and communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I attempted to create an Experian account in order to freeze my credit. After I input my personal information including social security number, Experian 's system failed to create the account with an unspecified error. 

Since then, I have received weekly emails with the subject, " Action needed, XXXX : Finish creating your account ''. I have tried at least 4 times since the initial attempt to sign in and create my account, but every time see a generic error page titled " Internal server error '' with a support phone number listed as the only contact information. 

On XX/XX/XXXX, I called the support phone number. The automated system could not solve my issue and refused to transfer me to a human operator after repeated requests. This was extremely frustrating, not only due to not being able to solve my issue, but also because the automated agent was very poorly implemented and frequently had trouble understanding spoken or dialed inputs. 

After failing to get resolution from the support phone number listed on the error page, I attempted to find contact information for customer support. There was no email address documented that I could find, only a mailing address. I am not going to mail a letter to Experian to resolve a technology issue. 

After failing to find appropriate contact information, that same day ( XX/XX/XXXX ), I responded to the email address that sent the weekly account creation reminders, XXXXXXXX, with an email that outlined the above information, requested account creation to freeze my credit, and reminded Experian that credit freezes are a consumer right under federal law. 

On XX/XX/XXXX, after no reply, I again attempted to find a contact email, and this time found an address XXXX with some googling. In this email, I forwarded the previous one, reiterated my request, and stated that I would complain to the CFPB if my issue was not resolved. 

I have not been able to get any sort of customer support or human interaction with Experian in the half-dozen attempts to contact them and/or use their systems.

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 2024-10-25 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-10-25 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:
Today, I was shocked to find incorrect accounts suddenly showing up on my credit report, and Im completely baffled as to why. Checking my credit report regularly is part of my routine, so I was taken aback by these unexpected errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: WI

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
I called in this morning to ally bank because my account looked weird and they told me they were closing all my accounts due to the disputes on my account over time, I have gotten horrible service and products from XXXX not everything but I have had to repurchase and return the same merchandise 5 times or more and still get damaged goods and defective stuff not matching the site XXXX doesn't help me in this matter so did disputes for the defective and late merchandise and wasn't informed that they would be closing my accounts and now I'm left with no money, all my money was in ally bank a heads up would have been nice and the manager I spoke to this morning was also very very rude to me and didn't treat me like a customer, I had XXXX XXXX  of money in there and now I'm left with nothing for a week, If I would have known this I would have written a check to take money out of my account but was not sent any notice via electronic means and they said the person in the fraud department wasn't available to talk. This happened one time before when they wouldn't turn my XXXX  back on I waited over a year and they never turned it back on and had to write to get that done too. I'm a very upset customer as they left me stranded with no money until I get paid as I live paycheck to paycheck. I also do have pictures of some of the defective merchandise I had submitted for my dispute if you need this let me know as XXXX was for a package of pens that I have had to buy again XXXX more times to get the wrong item again, I also have the erasers that don't match the website and broken products. If this will help me. I will attach some of the pictures form my disputes filed, Like I told the bank I also order these ice packs XXXX time and they all came this way like the picture, The XXXX of the erasers was for originally being late but they weren't as described by the website but when I contacted the merchant they were no help as always Sincerely, 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 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Someone committed fraud identity and got a loan using my information and its affecting my credit report Date:XX/XX/24 Amount : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

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