vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: OH

Complaint narrative:
Subject : Complaint Regarding Repeated Reporting of Paid Debt to Collections Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Hunter Warfield for improper handling of a debt and repeated inaccurate reporting to collections agencies. Below is a detailed account of the events : Original Charge : I broke my lease early with XXXX at XXXX XXXX and was charged a fee, along with forfeiture of my deposit. This amount was settled at the time. 

XXXX XXXX Notice : Several months later, I received a notice that a collection had been filed on my account for this debt. Upon receiving this notice, I requested a debt validation letter from the collection agency, which was not provided in a timely manner as required by law. Consequently, the collection entry was removed from my credit report.

Second Collection Entry : Despite its prior removal, the same charge was reported back on my collections account several months later. I was contact
ed by Hunter Warfeild, who offered me a lower settlement fee to resolve the debt. I agreed to the terms and completed a " pay-to-delete '' agreement, as evidenced by the attached documentation. After this settlement, the charge was again removed from my collections account.

Third Collection Entry : Most recently, this charge has been reported back to my collections account for the third time. This is causing significant harm to my credit score and financial well-being.

Violation of Rights : Failure to provide a debt validation letter in a timely manner as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of the " pay-to-delete '' agreement by re-reporting the debt after settlement. 

Inaccurate and repeated reporting of the same debt to collections agencies.

Resolution Sought : Immediate removal of this inaccurate and duplicative collection entry from my credit report.

Assurance from the collection agency and apartment complex that this debt will not be reported again in the future. 

Investigation into the practices of the collection agency and apartment complex to ensure compliance with FDCPA and FCRA regulations. 

Please find attached supporting documentation, including proof of the " pay-to-delete '' agreement, settlement payment, and prior correspondence regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent 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 non-monetary relief
Consumer complaint received 2024-12-12 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX - Balance : {$29000.00} Account Name : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$36000.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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 did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-12 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: IN

Complaint narrative:
This account is a charge off. However I should have received a 1099C to declare as income. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: IN

Complaint narrative:
This account is a charge off. However I should have received a 1099C to declare as income. 
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 2024-12-12 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: IL

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

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

I demand the late payment reported to be removed/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. 

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!

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 2024-12-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year>XXXX XXXX  : Delete this account immediately Accounts : XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, According to 15. U.S.C 1692c, you have violated my rights by unlawful communications ; please remove these collections off my credit immediately 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 non-monetary relief
Consumer complaint received 2024-12-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received an email that my personal information has been changed on Experian. When I tried to login I was unable to. When I tried to receive a temp passcode to my phone or email I never received either one. I'm concerned Experian allowed an unauthorized person to change my information. 

I'm trying to find out if someone changed my information with Experian. I can't get anyone to give me a straight answer. All they keep saying is send in very private information that would lead to identify theft if mailed or faxed in. No one will actually get on the phone and help me. My complaint is that they allowed an unauthorized individual to change my information and now are locking me out of my own account with no help except to send in very sensitive information. Please help.

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 2024-12-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> RE : Delete this account immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, According to 15. U.S.C 1692c, you have violated my rights by unlawful communications ; please remove these collections off my credit immediately XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> RE : Delete this account immediately Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, According to 15. U.S.C 1692c, you have violated my rights by unlawful communications ; please remove these collections off my credit immediately 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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive had a few issues regarding payments that I didnt authorize. When I file a claim I never hear back about a resolution.

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 2024-12-12 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: MA

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2024-12-12 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: CA

Complaint narrative:
I am writing to file a formal complaint against Experian due to their failure to investigate and resolve inaccuracies on my credit report. 
On XX/XX/scrub>XXXX XXXX XXXX I mailed a dispute letter to Experian via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, Experian received my dispute letter on XX/XX/year>. Despite the clear evidence of delivery and the specific nature of my dispute, Experian has failed to provide any updates or resolution. More than 30 days have passed since the delivery of my dispute letter. 
As a consumer, I am entitled to accurate credit information. The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, like Experian, must investigate disputes promptly and accurately. Experians failure to do so is a direct violation of my consumer rights.

I have attached a copy of my dispute letter to Experian and the USPS certified mail receipt as evidence.

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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have always been on autopay with my Capital One credit cards. When I reviewed a recent statement it said if I raised my minimum I could save on interest and it would lower how long it would take to pay down my balance. I canceled the autopay series to set up a new one as you can not edit but need to cancel and start a new one.

The system offered me to either make monthly payments or every two weeks, I chose the 2 week option as that would help even further by taking out smaller amount bi-weekly vs once per month. I set it all up and on my next statement I noticed a {$29.00} late payment fee. I called Capital One to inquire why the fee and was advised that my autopay was short. 

After some back and forth I was advised that on their end they do not have an option for payment every 2 weeks only monthly and that the days I chose for payments would always make them incorrect and I would continue to incur these late fees. I asked that they credit me back the late fee as I have never been late and thus have never asked for a fee credit. I was told NO, I asked to speak with a supervisor XXXX who also informed me that they would NOT credit me back the fee. I explained to her that their system on auto-pay did not issue a warning that If i continued with the dates I chose that I would incur this fee, If I would have been made aware by the system I would have chosen dates for the payments that fit into the billing. The Capital One system does notify you if you chose to pay on the monthly option. 

I requested an email to someone above her that could give me a reason why the credit could not be issued and was advised thst there is no email I could send to anyone. I requested to mske sure the call was recorded to provide further details if needed and was advised all calls were recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 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:
Please remove fraudulent items on my credit 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 2024-12-12 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate, misleading, and unverifiable information reported on my credit file by the credit bureaus, creditors, and collection agencies. Despite multiple attempts to dispute these inaccuracies, my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been consistently violated. The information being reported is both inaccurate and a violation of my consumer rights, as outlined below. I have made several attempts to address the inaccuracies on my credit report through disputes with the credit bureaus, creditors, and collection agencies. Despite these efforts, they have failed to comply with their legal obligations under the FCRA, 15 U.S.C. 1681s-2, which requires that all information furnished must be accurate and verifiable. Additionally, they have failed to provide sufficient evidence to validate the debts or correct the discrepancies. 
XXXX  XXXX : Discrepancies in credit limits between bureaus. 

Failure to properly update status post-dispute. 

XXXX XXXX XXXX Marked as Paid Derogatory and Collection/Chargeoff. Inconsistent reporting across bureaus. 

Settled accounts inaccurately labeled as active debts. 

XXXX XXXX : False reporting of past-due balances. 

Charged Off status inaccurately listed without validation. 

XXXX XXXX XXXX  : Inconsistent Last Activity dates between TransUnion and XXXX. 

Chargeoff listed with no supporting evidence of verification. 

Name Discrepancy : Reporting XXXX XXXX and XXXX XXXX. This is incorrect and misleading.

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 2024-12-12 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: GA

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate, misleading, and unverifiable information reported on my credit file by the credit bureaus, creditors, and collection agencies. Despite multiple attempts to dispute these inaccuracies, my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been consistently violated. The information being reported is both inaccurate and a violation of my consumer rights, as outlined below. I have made several attempts to address the inaccuracies on my credit report through disputes with the credit bureaus, creditors, and collection agencies. Despite these efforts, they have failed to comply with their legal obligations under the FCRA, 15 U.S.C. 1681s-2, which requires that all information furnished must be accurate and verifiable. Additionally, they have failed to provide sufficient evidence to validate the debts or correct the discrepancies. 
XXXX XXXX : Discrepancies in credit limits between bureaus. 

Failure to properly update status post-dispute. 

XXXX XXXX XXXX Marked as Paid Derogatory and Collection/Chargeoff. Inconsistent reporting across bureaus. 

Settled accounts inaccurately labeled as active debts. 

XXXXXXXX XXXX : False reporting of past-due balances. 

Charged Off status inaccurately listed without validation. 

XXXX XXXXXXXX XXXX  : Inconsistent Last Activity dates between XXXX and Equifax. 

Chargeoff listed with no supporting evidence of verification. 

Name Discrepancy : Reporting XXXX XXXX and XXXX XXXX. This is incorrect and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation