vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-08-22 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: IL

Complaint narrative:
These inquiries were unauthorized and want to remove them from my credit report see attached ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
These inquiries were unauthorized and want to remove them from my credit report see attached ftc 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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Some hacker must have compromised my email by signing with paypal. i don't see how that's possible but I started receiving receipts in my email about Paypal. My email was connected to another persons account and he most likely committing fraud to do it. I reported it to Paypal and they said in 48 hours my email won't be attached to the account anymore. It's been a week and they never answer. When I call them, they tell me to do the same thing or just wait. It doesn't make any sense as to why Paypal is allowing a criminal to use my email on a paypal account. I am kinda baffled by the situation at this point. I figured to report this because this is starting to feel criminal to me, like aiding and abetting. 

This is like a form of entrapment where a company and a criminal take advantage of a random stranger to commit fraud under the disguise of someone else 's email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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

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 2024-08-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Subject : Inaccurate Information Reported by Experian Dear CFPB, I am writing to report inaccuracies in my credit report as provided by Experian. I have reviewed my credit report from Experian, and I have identified the inaccuracies of my name listed in my personal information. 

The inaccuracy of my name could affect my ability to obtain credit. I have already contacted Experian regarding this matter, but I have not received a satisfactory resolution. I believe that these errors are a violation of the Fair Credit Reporting Act. 

Enclosed with this letter are copies of my Car Insurance, Driver 's License, and my electric bill. I go by XXXX XXXX XXXX, XXXX XXXX XXXX and no other. I respectfully request that the CFPB investigate this matter and assist me in resolving these inaccuracies. 

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

Sincerely, CFPB, EXPERIAN KEEPS PUTTING A NAME ON MY CREDIT REPORT I DON'T USE IF THEY DO IT AGAIN I WILL YOU PERSONALLY

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 2024-08-21 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: FL

Complaint narrative:
I am filing this complaint against XXXX for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ). 

Detailed Explanation : XXXX. Background Information : XXXX has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA. 
XXXX. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. XXXX, as a servicer of federally-backed student loans, is required to adhere to these privacy protections. 
XXXX. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records. 
XXXX. Previous Attempts to Resolve : I have contacted XXXX previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.

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 2024-08-21 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: FL

Complaint narrative:
I am filing this complaint against XXXX for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ). 

Detailed Explanation : XXXX. Background Information : XXXX has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA. 
XXXX. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. XXXX, as a servicer of federally-backed student loans, is required to adhere to these privacy protections. 
XXXX. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records. 
XXXX. Previous Attempts to Resolve : I have contacted XXXX previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I am filing this complaint against XXXX for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ).

Detailed Explanation : 1. Background Information : XXXX has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA. 
XXXX. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. XXXX, as a servicer of federally-backed student loans, is required to adhere to these privacy protections. 
XXXX. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records. 
XXXX. Previous Attempts to Resolve : I have contacted XXXX previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.

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 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
First they called me saying they were collecting a debt I told them I don't owe them anything if so mail me the information and something with my signature like a contract they sent something trying to work out a deal and then they emailed me along with phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2024-08-21 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: GA

Complaint narrative:
Recently, I did a investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 non-monetary relief
Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
Recently, I did a investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-21 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: EdFinancial Services
State: TX

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I have a new mortgage XX/XX/XXXX in the amount XXXX. 
The loan was sold and administered by a new agency ( Mr cooper ). I went to sign up for an account, I received foreclosure notices and debt collectors at my door stating I owed XXXX! 
The letters from Mr cooper state the loan was outstanding from XXXX. I have never had a loan, let a loan in XXXX. I am locked out of my payment portal, I have requested escalation and the only response is that I will receive a call back within XXXX business days. This has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-21 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: CA

Complaint narrative:
I have repeatedly asked you to verify and validate this account. Your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : '' Date of Last Delinquency '' is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX Account Name : XXXX Account # : 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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
I called the hospital with susposeably bill : XXXX XXXX XXXX XXXX, and I told by the billing the department that they have no bill in my name even looking on the collection side of the account, however that works. Anyways called collection agency and they gave me hard time about this so now im filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
I have repeatedly asked you to verify and validate this account. Your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : '' Date of Last Delinquency '' is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX Account Name : XXXX Account # : 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 2024-08-21 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: CA

Complaint narrative:
I have repeatedly asked you to verify and validate this account. Your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : '' Date of Last Delinquency '' is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX Account Name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: AR

Complaint narrative:
Information for a job background check went back 24 years and shouldve exceeded 7-10,

Company response to consumer: Closed with explanation