vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OK

Complaint narrative:
We signed up for Square merchant services and checking earlier in the week. Processed our first clients payment without issue for {$200.00}. Switched over a second client from XXXX, processed their payment after job, I paid laborers for the day out of pocket. 

Within 2-3 hours I receive an email saying that they " suspect fraud '' and the funds are being held. I completed the questionnaire, and promptly called my client. She said that there's no issue on her end and even shared a screenshot from their business banking showing the transaction as approved. 

I told the Square representative this over the phone and was told to wait for an email. I received an email today stating the funds will be held for 3 months and my account is closed. Now I'm out {$400.00}, and can't pay to work Monday. Really messed up my business, and upon XXXX  I found tons of other small businesses facing the same issues when dealing with Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Propel, Inc.
State: IL

Complaint narrative:
I have been waiting on my direct deposit for four days now still havent received my check Providers said they fixed the issue but I still havent received my check and they wont answer the phone and they really cant tell me when will I receive my check and now it the weekend and their call center is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: IN

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 2024-06-30 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: DE

Complaint narrative:
I am writing to file a formal complaint against XXXX, TransUnion, and XXXX regarding their inadequate investigation of discrepancies in my credit report concerning my account with XXXX XXXX. Despite my request for a thorough investigation to ensure the accuracy of the information reported, the results have been inconsistent and erroneous, causing significant harm to my credit. 

In my communication with the credit bureaus, I specifically requested an investigation into the account listed on my credit report from XXXX XXXX. The responses I received were inadequate and failed to address the discrepancies, as follows : XXXX : The account is reported as 180 days past due, with the last activity date as XX/XX/XXXX. 
TransUnion : The account is reported as 120 days past due, with the last activity date as XX/XX/XXXX. 
XXXX : The account is reported as at least 120 days past due, with the last activity date as XX/XX/XXXX. 
These discrepancies are clear evidence that the credit bureaus did not conduct a proper investigation. Instead, it appears they merely took the creditor 's word without verifying the accuracy of the reported information. This negligence is a severe breach of their responsibility to ensure the accuracy and integrity of my credit report. 

The inconsistent payment statuses and varying dates of last activity among the credit bureaus are unacceptable. There should be one source of truth, and a genuine investigation would have rectified these inconsistencies. Their failure to conduct an actual investigation has resulted in substantial damage to my creditworthiness.

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 2024-06-30 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: DE

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their inadequate investigation of discrepancies in my credit report concerning my account with XXXX XXXX. Despite my request for a thorough investigation to ensure the accuracy of the information reported, the results have been inconsistent and erroneous, causing significant harm to my credit. 

In my communication with the credit bureaus, I specifically requested an investigation into the account listed on my credit report from XXXX XXXX. The responses I received were inadequate and failed to address the discrepancies, as follows : XXXX : The account is reported as 180 days past due, with the last activity date as XX/XX/XXXX. 
XXXX : The account is reported as 120 days past due, with the last activity date as XX/XX/XXXX. 
Equifax : The account is reported as at least 120 days past due, with the last activity date as XX/XX/XXXX. 
These discrepancies are clear evidence that the credit bureaus did not conduct a proper investigation. Instead, it appears they merely took the creditor 's word without verifying the accuracy of the reported information. This negligence is a severe breach of their responsibility to ensure the accuracy and integrity of my credit report. 

The inconsistent payment statuses and varying dates of last activity among the credit bureaus are unacceptable. There should be one source of truth, and a genuine investigation would have rectified these inconsistencies. Their failure to conduct an actual investigation has resulted in substantial damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: SC

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Transworld Systems Inc ( TSI ) is attempting to collect on funds not owed to provider. Provider XXXX XXXX XXXX is attempting to collect on funds not owed. XXXX XXXX XXXX has refused to bill XXXX XXXX due to fraudulent activity. The provider refuses to show cause for a bill that is {$2600.00}. I was told by XXXX XXXX XXXX when I received services that all services would be covered by insurance. XXXX XXXX XXXX  by way of Transworld Systems Inc is refusing to bill XXXX XXXX, for services that will be covered under medical coverage if they were medically necessary. I believe they are avoiding XXXX because they are involved in fraudulent activity and are attempting to bill me for services that were not medically necessary. XXXX XXXX XXXX/Transworld Systems Inc requested a pre-authorization of services, when XXXX XXXX and XXXX XXXX XXXX XXXX XXXX authorized services, XXXX XXXX staff changed the codes and attempted to game the system. XXXX and XXXX XXXX XXXX XXXX has already informed XXXX XXXX XXXX that the medical codes that they are seeking rembursment on are covered by medical insurance ( on a recorded line ). XXXX XXXX XXXX has been captured on a XXXX recorded line lying about the inability to submit a claim to XXXX XXXX XXXX. I have reported the possibility of fraudulent activity by XXXX XXXX XXXX to XXXX Fraud Compliance Line. I have allow requested that XXXX XXXX XXXX not attempt to bill me without first showing evidence to Tricare for vetting. Transworld Systems Inc ( TSI ) as well as XXXX XXXX XXXX is in violation of 15 USC 1692f : Unfair practices. Recorded telephonic evidence can and will be provided via government funded XXXX recorded telephone conversation. I will be filling a report with other federal agencies to report the activity of this provider. 

XXXX XXXX XXXX has requested that my husband call insurance and request they pay the dental provider. Staff has also lied on numerous occasions to my husband about not being able to submit to XXXX. XXXX XXXX staff has also lied on a recored XXXX XXXX line while on a three way call with my husband and XXXX representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: UT

Complaint narrative:
When a XXXX  XXXX case is dismissed, it is, in the view of the court, as though the bankruptcy filing never existed. The automatic stay that had protected the debtor is lifted ; creditors may pounce immediately, with results that include : Collections letters. Calls from collections departments or agencies. So how is TransUnion reporting Accurate and Verified information when this filing never existed! Once again this is fraudulent reporting on my credit report. This bankruptcy reporting doesn't belong on my credit report obviously TransUnion doesn't understand the definition of ( Dismissed ). Nor can TransUnion verify the accuracy of this account. The bankruptcy doesn't Match my current address. So why is TransUnion claiming it is? This is fraudulent inaccurate reporting! Relevant Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported. I've submitted a copy of my XXXX, XXXX report and it show the inaccurate information being reported. From TransUnion and XXXX. TransUnion is in violation of my consumer rights and if this continues I will sue. This documented complaint will show I've made numerous attempts to have this corrected and TransUnion continues to violate my consumer rights when I pursue legal action. Also I can have anyone fix my credit report if I give that company permission. Theirs is no law under the FDCPA or FCRA that says I can't. This is not an unauthorized 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 2024-06-30 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( Mo/yr ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-06-30 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 reviewed my Consumer Reports and noticed that I had several late payments on an account that was paid off and in agreement with the creditor would be removed from my credit report to reflect no negative history. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. These accounts were paid off and should reflect positivley on my report : XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were not paid in full and the agreement was not made between the creditor and myself.. If proof can't be provided I demand these accounts be removed from my credit report or updated to paid on time.

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 2024-06-30 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: MO

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-30 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: MO

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 2024-06-30 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 and XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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