vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 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: NY

Complaint narrative:
Experian has a listing on my credit report that is inaccurate. i do not recognize the debt collector and i have been attempting to stop reporting my car loan account on my credit report.I havent gotten any remedy. Im extremely frustrated with this company. they have been violating my rights as a consumer pursuant to the FDCPA AND FCRA.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Notice of Dispute : This is in reference to Account # XXXX ( UPSTA/XXXX ) Dear UPSTAXXXX The payment history of the account is inaccurate and inconsistently being reported on my XXXX and XXXX credit reports. XXXX is reporting a 30 day late payment back to back in XX/XX/year> & XX/XX/year>, While XXXX is reporting a 60 day late payment back to back in XX/XX/year> & XX/XX/year>. It is impossible to have a 30 day late payment or 60 day late payment in consecutive months, which negates all validity of what you are reporting. 
You as the furnisher of this information have verified the accounts as accurate on both my XXXX and XXXX credit report which is a violation of the FCRA. You have committed multiple violations of the FCRA, specifically 15 USC 1681s-2. You have reported information with actual knowledge of errors on my credit report by verifying this inconsistent and inaccurate information on XXXX and XXXX. I am NOT requesting a reinvestigation of this account I am demanding you comply with the FCRA and delete this inaccurate information from all credit reporting agencies immediately!

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 2024-07-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I purchased items on XX/XX/XXXX from " XXXX '' after seeing an ad for waist trainers. Upon receiving the first two items, it was clear that what was marketed on ads was completely different from the product that was sent. I contacted PayPal to create a dispute under the " buyer 's protection ''. I opened the dispute on XXXX different occasions. Each time I sent PayPal the same information including the marketed pictures and pictures of the actual physical product. I would then receive a message from PayPal asking me to allow time for the seller to respond and for PayPal to investigate. On the first dispute, I missed the e-mail that requested additional information. Every dispute or appeal I sent after that I promptly send the information requested which was pictures of the product and pictures of the actual advertisement. Each time PayPal would then wait for the seller to respond, and supposedly send me an e-mail asking for additional information. On the last XXXX occasions, I never received the e-mails for the additional information request. The only e-mail I would receive was the one stated that the dispute had been closed due to my failure to respond. The representative stated days I was sent a e-mail, chiefly the last appeal, being XX/XX/XXXX and I told her I never received an e-mail and that was a federal holiday. I also told her that I never received any return information from the seller. I told her that this was unfair because sending the items back to XXXX would be costly and the company is misrepresenting the products they are selling intentionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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 account with the company 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 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 2024-07-06 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: TX

Complaint narrative:
My account with the company 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 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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
This debt is showing on my credit report as a charge off. This account was included in bankruptcy and was paid in full when the car was totaled in 2019. The account was showing correctly for years and suddenly was reported as a charge off. I sent multiple requests for debt validation via certified mail : XXXX, received by Prestige XX/XX/XXXX XXXX, received by Prestige XX/XX/XXXX XXXX, received by Prestige XX/XX/XXXX I also included proof of bankruptcy and the insurance information verifying the loan was paid. Per the Fair Debt Collection Practices Act a debt can not be reported if not validated. The 30 day timeframe has elapsed with XXXX response to my requests. This is debt parking. The statute of limitations has passed for this debt, 4 years for auto debt, in the state of Indiana. 

Numerous complaints exist for this company for their unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: AZ

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-06 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: Pendrick Capital Partners
State: TX

Complaint narrative:
My XXXX rights were violated when the hospital XXXX XXXX XXXX XXXX XXXX information to the debt collection agency, XXXX XXXX XXXX XXXX, without my explicit consent. Under the Health Insurance Portability and Accountability Act ( HIPAA ), healthcare providers are required to protect the privacy and security of your medical information. Disclosure of sensitive health information, such as your diagnosis and treatment details, to third parties like debt collectors, must comply with strict regulations ensuring confidentiality. By sharing this protected health information ( PHI ) without proper authorization, the hospital breached my privacy rights, exposing me to potential misuse of my medical data and causing undue stress and concern about the security of my personal health information. I asked XXXX XXXX XXXX XXXX to remove those XXXX items from my XXXX report but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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:
This debt is showing on my credit report as a charge off. This account was included in bankruptcy and was paid in full when the car was totaled in 2019. The account was showing correctly for years and suddenly was reported as a charge off. I sent multiple requests for debt validation via certified mail : XXXX, received by XXXX  XX/XX/XXXX XXXX, received by XXXX  XX/XX/XXXX XXXX, received by XXXX  XX/XX/XXXX I also included proof of bankruptcy and the insurance information verifying the loan was paid. Per the Fair Debt Collection Practices Act a debt can not be reported if not validated. The 30 day timeframe has elapsed with XXXX response to my requests. This is debt parking. The statute of limitations has passed for this debt, 4 years for auto debt, in the state of Indiana. 

Numerous complaints exist for this company for their unethical practices.

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 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
The account was opened in 2022, the bank name facebank, my dad XXXX XXXX XXXX send me money for savings, in the same year the account recieved a wiretransfer for the same bank but different person, after that a representative from bank called me asking more information about that transaction and she proceded to create the blocker, since that I called several time asking for more information of how to remove the blocker, they only ask me to call customer service, send emails and call over again with no good answer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I initiated a transfer from my Marcus high yield savings to my XXXX  checking account on XX/XX/year>. 

On XX/XX/year>, I could tell someone from Marcus entered my account and reversed the transaction. 

This happened on a previous occasion as well but since the funds went through, they held my account hostage and locked me out until I returned the money. Now, they wont let me transfer my money and close my account. 

Ive spoken to XXXX different people across multiple days, and they refuse to allow me to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
In XXXX of 2023 I got a payday loan from Cash Aisle of {$900.00}, I was making payments ( which were random and different amounts ). For unrelated reasons, in about XX/XX/year> my account attached to my payment plan for the loan was closed. Obviously, I need to contact them to change my payment info so I can continue to make payments. However, when I try to log in it says incorrect info ( even thought I am pretty sure that I am entering the correct password ). If I try to reset my password it says that my request failed. Ive tried emailing them and calling them and have received no answer back. I have not even ever received an email from them or anything ever. There is no communication and it is impossible to get in contact with the company at all. I know the interest on my loan is continuing to add up everyday and when I literally can not contact them I feel powerless and hopeless. I dont know what to do next!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: AL

Complaint narrative:
A collection appeared on my XXXX credit report on XXXX XX/XX/year> for Payliance. On XXXX XXXX on XXXX forPaylaiance. On XXXX XXXX for XXXX for Cybrcollect. All referencing XXXX for XXXX. I filed a report with my local Sheriff 's office on XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is showing that I have 4 private loans with them. I called them on XX/XX/XXXX to ask why they are still showing these loans on my account if they were discharged in bankruptcy. I filed bankruptcy in XXXX and again in XXXX. So those loans would have been automatically discharged twice. The person I spoke with said that student loans are not discharged in bankruptcy. I told her that private student loans, especially ones that are disbursed in excess of cost of attendance, are discharged. She then told me to have my attorney send them the information.

I spoke to the attorneys from both bankruptcies and they said the loans should have been automatically discharged and that they did not know what they should send to Navient and to where they should send it. I called Navient again on XX/XX/XXXX and the first person I spoke with again told me that student loans are not discharged. I explained again that private student loans that are disbursed in excess of the cost of attendance are. I asked to speak to a manager, who told me that she would forward this information to their ombudsman department and that they would get back to me within 5-7 days. It has been more than 14 days and I have not heard from them. 

The documents, including the discharge order and the petition, from the XXXX bankruptcy are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name ia XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Remove all of these inquiries from my credit profile.

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 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My backpack was stolen out of my car which included, computer, external hard drive, passport, wallet, drivers license, credit cards, social security card, TWIC card. A police report was made along with several FTC complaints filed.

My credit report is show 2 accounts with XXXX XXXX XXXX Bank that are not correct and numerous injuries. 
XXXX XXXX Bank account # XXXX, XXXX XXXX Bank account # XXXX Inquiries - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , All this is on my Transunion account and some of the items but not limited to all could have been caused due to the breach that Transunion had that put mu information at jeopardy.

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 2024-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital Systems LLC Account XXXX XXXX is reporting on my credit report in the amount of {$1700.00} that I do not owe to them. I have requested information pertaining to the debt and have yet to receive any documentation validating debt and said amount. This negative remark on my credit report has impacted my ability to obtain credit.

Company response to consumer: Closed with explanation