vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX : Complaint Against Transworld Systems XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against Transworld systems for multiple violations of my consumer rights under federal regulations and statutes. The specific violations are as follows : 1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) : ** The collection agency failed to provide me with clear and conspicuous information regarding my right to dispute the debt and obtain verification of the debt. This omission hinders my ability to fully understand and exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. **Violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : ** The collection agency did not include necessary details in their initial communication with me. Specifically, they failed to provide the name and address of the original creditor, which is crucial information for me to verify the legitimacy of the debt. 

XXXX. **Violation of 12 CFR 1006.34 ( d ) : ** The collection agency did not provide me with a clear, conspicuous, and accurate validation notice. This notice is supposed to inform me of my rights to dispute the debt and to request the name and address of the original creditor. The omission of these details is a direct violation of my consumer rights. 

XXXX. **Violation of 15 USC 1681-5 2 ( 7 ) ( A ) : ** The collection agency has reported inaccurate information on my credit report, negatively impacting my credit scorXXXX. They failed to conduct a reasonable investigation to ensure the accuracy of the information they reported. This failure is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to consumer reporting agencies be accurate and complete. 
XXXX revoking all rights of Transworld Systems communicating with me through Text/Email/phone. 
I respectfully request that the CFPB investigate these violations and take appropriate action against Transworld Systems Additionally, I seek the following resolutions : - Immediate cessation of all collection activities until the validity of the debt is properly verified. 
- Removal of any inaccurate information reported by the collection agency from my credit report. 
- XXXX that future communications from the collection agency will comply with all relevant consumer protection laws. 

XXXX also requesting debt validation as well as the purchase agreement between XXXX and XXXX XXXX, XXXX also requesting that they furnish proof they are licensed and bonded. 
I appreciate your prompt attention to this matter and look forward to a resolution that upholds my consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX  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 in 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  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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, you are obligated to investigate and resolve disputes within a specific timeframe. I expect these changes to be made promptly, and I hope we can resolve this matter without further escalation. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this issue and have enclosed a copy of that complaint, along with proof of my identity and address. 

Names/ Also Known As : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX account ( # XXXX ) on my credit reports with XXXX, Equifax XXXX and XXXX. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : XXXX and XXXX : {$2100.00} Equifax : {$0.00} XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Late Payment Reporting : XXXX : Was 30 Days Late XXXX Time ( XXXX ). 
Equifax and XXXX : No late payments reported These discrepancies, particularly concerning the high credit, last reported date, date last active, and late payment status, indicate significant inaccuracies. The inconsistency in reporting a late payment by XXXX, while Equifax and XXXX report none, is especially concerning. 

Violations and Impact The inaccuracies in reporting violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties. 

XXXXpplicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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:
Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XX/XX/XXXXount number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : XXXX DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : XXXX DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Sezzle Inc.
State: TN

Complaint narrative:
There is so many that we don't know all the dates and amounts but there is several... And it is XXXX  of dollars we need refunded back to our bank account they have taken out fraudulently .... And removed from our credit report! But our daughter took our identity and opened these accounts and she has now sadly passed away XXXX XXXX XXXX XXXX, but we had no knowledge of any of this she was doin to us! Cause we would prosecute her for this, we have before! 

We was told an investigation was done, they was sorry about our daughter, but we was responsible, even after I told them we knew nothing of this nor gave permission of this and it was Identity Theft and Fraudulent

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: PA

Complaint narrative:
PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past XXXX  months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account.

I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XX/XX/XXXXXXXX REFORTING TWICE ITEM XXXX XXXX  # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. 

Once again they reported the same account closed several times twice also with different closing dates and date of last payment. 

Such as Account closed on XX/XX/2024, the same account closed again on XX/XX/2024 and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? 

XXXX. How can you say you call the company and verified reporting inaccurate information? 

XXXX. How can you close the same account twice at the same time on a credit report? This is inaccurate and violation of FCRA laws. 

I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully refuse to remove the inaccurate information from my credit report.

If they fail to remove these two items for my credit file i will move to file a FCRA complaint in Federal court where i will ask for compensatory and punitive damages for {$180000.00} for the damages this inaccurate reporting have caused me for the past 24 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. 

I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXXXX/XX/XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. 

Once again they reported the same account closed several times twice also with different closing dates and date of last payment. 

Such as Account closed on XX/XX/year>, the same account closed again on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? 

XXXX. How can you say you call the company and verified reporting inaccurate information? 

XXXX. How can you close the same account twice at the same time on a credit report? This is inaccurate and violation of FCRA laws. 

I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully refuse to remove the inaccurate information from my credit report. 

If they fail to remove these XXXX items for my credit file i will move to file a FCRA complaint in XXXXXX/XX/XXXX where i will ask for compensatory and punitive damages for {$180000.00} for the damages this inaccurate reporting have caused me for the past 24 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I had XXXX $ in my brokerage account. XXXX went on XXXX and announced he's going to issue another XXXX XXXX in mstr equities. That is fraud XXXX. My trades have already not been settling and he's increasing the bank 's short position and ability to insider trade the shares. So XXXX XXXX XXXX contracts for $ XXXX. I then transfer the $ XXXX to my checking account to immediately spend on XXXX, so I can withdraw from this fraudulent rolling bankruptcy ( FTX XXXX contact XXXX and XXXX XXXX you owe me in excess of a XXXX dollars cash )... Anyway, my account generates a margin loan to issue the cash to my checking account since settlement hasn't happened yet. I then try to spend the cash. The transaction gets blocked at moonpay for fraud. I expected this might happen as banks have been restricting outflows and making up reasons as to why they can't allow customers to access their funds for quite some time now. XXXX even warns customers that they have been targeted by banks and card declines are common. I then received an error message on visa and XXXX XXXX letterhead informing me the transaction failed, and there was a phone number to the visa fraud department. I called. They undid the block and said try again. It failed again. I called XXXX, they did something, still didn't work. Then I tried the transaction with a bunch of different merchants. All same error. transaction fails, transaction shows up as pending on my XXXX XXXX app, but there is no dollar value associated with it. I then contact kraken support and XXXX support. They both confirm that there is no account issue on their end, and that the transaction is being declined. I then call back XXXX and stay on the phone for another XXXX hours. ( XXXX hours in total ). The result of all this, is that the margin loan most likely did not clear. I'm not paying interest on that loan. It is fraud. The funds were not available. This is part of a much larger issue i've been having with chase. None of my trades have been settling so far as I can tell for quite some time. I think this is bankruptcy fraud and XXXX should be put into receivership with XXXX immediately... There was also massive fraud that took place with the XXXX and mstr quotes over the last week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-06 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: VA

Complaint narrative:
XXXX through credit karma has dropped my XXXX XXXX XXXX on XXXX occasion and XXXX on another in the last XXXX months for things that should have positive impacts on my XXXX XXXX. A company named XXXX has pulled my credit on XX/XX/year> recently and XX/XX/year> and put hard inquiries on my report and Credit Karma has no information on them. I blame XXXX for poor reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: DISCOVER BANK
State: AL

Complaint narrative:
There is no longer an amount listed on the account because the account was paid in full last year ( XXXX ). The account was closed and the creditor agreed to remove the account from all three credit bureaus once it was paid. They agreed to a pay for deletion. This company did not do as they said and will not remove this paid off account from my credit report and it is ruining it. This company is ( DISCOVER ).

Company response to consumer: Closed with explanation