vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: MD

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. 

List of Unauthorized Inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX - XXXX 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 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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed several unauthorized accounts in my credit report. Please ensure these fraudulent accounts are blocked and removed at once.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a debt validation letter to this company which did not respond so in response I sent a notice of intent to file a lawsuit and the company still failed to provide any of the requested documentation to validate debt

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-27 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
My midland account was settled and I am not getting credit for this, also I have a XXXX XXXX XXXX XXXX with the limit of XXXX $ that is in good standing and it is not showing up and giving me positive results. Also my XXXX  account is paid and never late and it is not giving me credit for it. On here it just says I have one that is closed and that is not true. The one I have is open and paid and has never been late once. I should be getting rewarded for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In XX/XX/year>, Apple and Goldman Sachs, the issuers of the Apple Card, denied my disputes for unauthorized charges totaling {$10000.00}, which were not made by me. Despite providing substantial evidence, including proof of identity fraud, pictures, and a case number, the company refused to accept my claims. 

Adding to the issue, the company allowed charges to exceed my {$2000.00} credit limit, failing to block unauthorized transactions. Now, representatives claim the disputed amount is {$3300.00}, but the inconsistency raises serious concerns. Their actions have not only put me in financial distress but also jeopardized my ability to use my credit card. 

I am requesting the removal of these fraudulent charges from my account, as I have provided sufficient evidence to prove my case. Additionally, I ask that my account be reinstated so I can use my card without being held accountable for the companys failure to prevent unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
Experian Credit thinks they are above the law, rules and regulations of the FCRA.

according to current FCRA LAW : Under 605C, Background Check providers must comply with the following timeframes : 4 business days - They must block adverse information from appearing on the Survivors Background Check within 4 business days.

5 business days - They must notify the Survivor ( or his or her representative ) of actions taken and/or attempt to resolve any deficiencies if they are unable to verify proof of identity, Survivor determination, or identify adverse information. 

THER IS NO TIME OUR LIMITATION LISTED FOR BLOCKING OR REMOVING... if they do not, they are BREAKING 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 2024-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Had a accident in car an toll my car out insurance expired an they want me to pay the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have sent Experian several documents the company just changes the status and I only received a credit report from Experian nothing else that I asked for. They need to send me the documents showing I owe XXXX XXXX XXXX because the documents I have shows different. Both XXXX and XXXX have since removed the Account from my credit report due to inaccurate 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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-27 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: NY

Complaint narrative:
I had a hearing XX/XX/year> with XXXX  XXXX and they agreed to close and discontinued. XXXX XXXX XXXX now has the debt and they've provided the information stating the statue of limitations has expired. 

They can't sue or continue to collect. This matter has been close and discontinued by the original creditor XX/XX/year>. 

I've reached out to experian and transunion to research this matter because this not being handle correctly. XXXXXXXX XXXX XXXX  shows on my credit as a collection and it's affecting 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 non-monetary relief
Consumer complaint received 2024-12-27 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I had a hearing XX/XX/year> with XXXX  XXXX and they agreed to close and discontinued. Midland credit management now has the debt and they've provided the information stating the statue of limitations has expired. 

They can't sue or continue to collect. This matter has been close and discontinued by the original creditor XX/XX/year>. 

I've reached out to XXXX  and XXXX to research this matter because this not being handle correctly. Midland credit management shows on my credit as a collection and it's affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Despite following Equifax procedures for document verification and providing all requested information, including submitting my drivers license through their verification system, Equifax has failed to provide adequate resolution or assistance. 
On XX/XX/XXXX dates, I submitted a dispute to Equifax regarding inaccuracies on my credit report. This dispute was marked as complete on XX/XX/XXXX, but Equifax did not provide any explanation of the actions taken or any documentation ( such as a PDF or detailed report ) to clarify how the disputes were addressed or the outcome. 
When I contacted Equifaxs customer service for clarification, they refused to assist me further, claiming they could not verify my identity. This response is puzzling and frustrating since I had provided my drivers license through the verification system while on the phone with customer service. Their refusal to engage or provide further assistance has left me without any resolution or understanding of the steps they took regarding my disputes. Furthermore I can not view an updated credit report to see what/if any updates were made. Have tried for the past couple of days to get an updated report to no avail. 
I believe Equifaxs actions violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct reasonable investigations into disputes and provide clear responses. Their lack of transparency and refusal to assist has caused unnecessary stress and confusion.

I kindly request that the CFPB investigate this matter and ensure that Equifax provides : Enclosed are copies of relevant documents, including screenshots of dispute statuses from Equifaxs website and evidence of my attempts to resolve this issue directly with them. 
Thank you for your attention to this matter. Please let me know if you require additional information or documentation from me to assist in your investigation. I look forward to your response and assistance in holding Equifax accountable for their handling of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
This account XXXX XXXX ( ACCOUNT NUMBER : XXXX ), shows a XXXX late payment in XX/XX/year>. This account falls under the FCRA 's permissible purpose rules, and I did not give permission or authorize Equifax to report it, which constitutes a violation of these rules. I have never been late on any payments, and reporting this account as late violates 15 U.S.C.1666b ( a ). Furthermore, failing to ensure maximum accuracy in reporting breaches 15 U.S.C. 1681e ( b ). If this issue is not corrected, it will be treated as willful non-compliance under 15 U.S.C. 1681n, which allows me to seek up to {$1000.00} in damages per violation, along with compensation for any other harm caused. I demand the immediate correction of this false late payment. Please address this issue without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: DE

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-27 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: DE

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SELF FINANCIA/LEAD BA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir Madam, Subject : Request for Account Details Account # XXXX I am writing regarding the above-referenced account. Please note that I am not disputing the account. However, I kindly request that you provide the following information. 

XXXX The Date of First Delinquency for this account. 

XXXX The Date of Last Payment made on this account. 

The Date of Charge-Off or UPDATE for this account. 

I would appreciate it if you could provide this information in writing. If additional authorization is required to process my request, please let me know at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Subject : Refusal to Pay and Cease and Desist Notice Dear CARTER -YOUNG Inc .

This letter is in response to your attempts to collect an alleged debt in the amount of [ {$330.00} ]. After careful review, I hereby dispute the validity of this debt and refuse to pay it.

Reasons for Refusal The debt does not belong to me.

The statute of limitations for collecting this debt has expired.

The amount claimed is incorrect.

The debt has already been paid.

Did you purchase my personal information.

Cease and Desist Demand Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you immediately cease all communication with me regarding this matter. This includes phone calls, emails, letters, or any other forms of contact.

Failure to comply with this request may result in me filing a formal complaint with the Federal Trade Commission ( FTC ) and the [ insert your states Attorney Generals Office ]. I also reserve the right to pursue legal action if your harassment continues. 

No Admission of Liability This letter is not an acknowledgment of liability for the debt in question. Any further attempts to collect this disputed debt will be considered a violation of my rights under applicable laws. 

Next Steps If you believe this debt is valid, please provide written verification of the debt, including all supporting documentation, within [ insert reasonable timeframe, e.g., 30 days ] as required by law. 

Reservation of Rights I reserve all rights under the law and do not waive any defenses or claims I may have by sending this letter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported 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