vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: LA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN 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! 


Update 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 2024-12-11 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my XXXX XXXX from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
I am writing to formally dispute the inaccuracies on my credit report with TransUnion, specifically concerning the XXXX XXXX account XXXX in XXXX. Despite multiple attempts to resolve these issues, TransUnion has failed to conduct a thorough and proper investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Details of the XXXX XXXX Account : Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$430.00} Credit Limit : {$200.00} Pay Status : Charge-off High Balance : {$460.00} Negative Available Credit : - {$230.00} Payment History : Shows charge-offs monthly from XX/XX/XXXX through XX/XX/XXXX despite the account being closed in XX/XX/XXXX. 
Key Issues : Inconsistent Charge-Off Dates : The account is reported as closed in XX/XX/XXXX, yet it shows a charge-off date of XX/XX/XXXX. Additionally, multiple charge-offs are reported monthly after the closed date, which is incorrect as charge-offs should be a one-time event. 

Incorrect XXXX and XXXX XXXX XXXX : The reported balance is {$430.00}, but a high balance of {$460.00} indicates an error. Furthermore, negative available credit of - {$230.00} is incorrect, as the original credit limit was {$200.00}. 

TransUnions Failure to Investigate : Despite filing multiple disputes and providing supporting documentation, TransUnion has failed to conduct a thorough investigation into these discrepancies. The repeated charge-offs and conflicting information have not been addressed properly, leading to continued damage to my credit report. 

Inconsistent Reporting Across Accounts : Similar issues with inconsistent charge-offs and reporting have been noted in other accounts, such as the XXXX XXXX XXXXXXXX XXXX account and the 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 2024-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: CT

Complaint narrative:
I received an alert form XXXX on XX/XX/year> that someone reported a collection account. Upon calling the company they said they had the wrong address and refused to notify me XXXX days in advance of reporting a collection account in accordance with Federal Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX, XXXX XXXX and sent letters in reference to a debt. I have no knowledge of this debt and I do not know who they are, requested that they provide me with information about this debt. They have not. I asked that they remove it off of my credit report as it is not mine, and they can not provide me with anything info. Ive also filed a police report here is that number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: IL

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Here is the original case number. XXXX so after being told to do a chargeback by XXXX managers over the phone and can't because of my other worthless bank... .someone at PayPal finally listened and got all of my info and story in XXXX place. Their reason for denying this appeal? On XXXX I added a new card and bank. Duh! I opened new accounts because my regular bank wasn't helping! Those were my new account information! 

Attached is a screenshot showing their reason why for denying me. This is getting ridiculous and their are reaching into the deepest of bowels to come up with reasons not to help. 

I was giving permission to perform a chargeback by XXXX separate managers over the phone. Is there a way to do this without being able to get into my old account?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am filing this complaint due to severe inaccuracies in the reporting of this collection account by XXXX XXXX XXXX. Despite my numerous disputes over the past XXXX months, this account continues to be reported with conflicting and erroneous information across credit bureaus. 

Impossible Date of Account Opening : The account shows an impossible future opening date : XXXX : XX/XX/year> XXXX : XX/XX/year> TransUnion : XX/XX/year> Inconsistent Status : XXXX and XXXX list the account as Closed. 
TransUnion reports the account as XXXX. 
XXXX XXXX : A balance of {$2400.00} is reported despite the status discrepancies. 
Dispute Status Conflicts : XXXX indicates the account has been deleted. 
TransUnion continues to report it as negative with a dispute status. 
Lack of XXXX : Despite disputing this account multiple times, XXXX XXXX XXXX has failed to provide any proof or validation of this debt. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires all information reported to be accurate, verifiable, and timely. 

Given the repeated failures to verify this debt and the clear inaccuracies in reporting, I demand the immediate deletion of this account from all credit reporting agencies. XXXX XXXX XXXX 's continued failure to correct these errors is causing unjust harm to my credit profile and is a blatant disregard of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am filing this complaint due to severe inaccuracies in the reporting of this collection account by XXXX XXXX XXXX. Despite my numerous disputes over the past XXXX months, this account continues to be reported with conflicting and erroneous information across credit bureaus. 

Impossible Date of Account Opening : The account shows an impossible future opening date : Equifax : XX/XX/2024 XXXX : XX/XX/2024 XXXX : XX/XX/2024 Inconsistent Status : Equifax and XXXX list the account as Closed. 
XXXX reports the account as XXXX. 
XXXX XXXX : A balance of {$2400.00} is reported despite the status discrepancies. 
Dispute Status Conflicts : XXXX indicates the account has been deleted. 
XXXX continues to report it as negative with a dispute status. 
Lack of XXXX : Despite disputing this account multiple times, XXXX XXXX XXXX has failed to provide any proof or validation of this debt. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires all information reported to be accurate, verifiable, and timely. 

Given the repeated failures to verify this debt and the clear inaccuracies in reporting, I demand the immediate deletion of this account from all credit reporting agencies. XXXX XXXX XXXX 's continued failure to correct these errors is causing unjust harm to my credit profile and is a blatant disregard of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my 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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I have been disputing this account for over XXXX months. I have asked for validation of this account when the account was first opened and closed and any other information about this account. XXXX months all I get back is debt has been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
I am writing to formally address the inaccuracies reported on my credit report for the XXXX XXXX Bank account ending in XXXX. Despite providing detailed evidence, TransUnion has failed to properly investigate and resolve these issues. 

Key issues include : An incorrect balance of {$600.00}, with no payments applied, despite documentation of payments made. 
Missing payment history from XX/XX/XXXX to XX/XX/XXXX. 
Inaccurate delinquency reporting, including a XXXX delinquency after the account was closed in XX/XX/XXXX. 
Repetitive charge-offs listed multiple times, which is inconsistent with proper credit reporting practices under FCRA guidelines XXXX 
XXXX continued reporting of inaccurate and inconsistent information violates my rights under the Fair Credit Reporting Act. I request that TransUnion investigate these discrepancies thoroughly and provide an accurate reflection of my credit report. 

Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I regularly check my credit report because my XXXX XXXX is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my XXXX XXXX unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX OF XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX BANK XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX FCU - XXXX - XX/XX/XXXX - {$00.00} XXXX BANK XXXX. - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} The unauthorized inquiries are as follows : XXXX - XX/XX/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 - XX/XX/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 2024-12-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear XXXX, I am writing to formally dispute the inaccurate reporting of an account on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX This account is being reported as a charge-off, and I have noticed multiple discrepancies in how it is listed, including conflicting dates of last activity. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. 

I demand that you investigate this matter immediately. If this account can not be verified as accurate or if the discrepancies can not be resolved, it must be removed from my credit report without delay. Reporting inaccurate information is a serious breach of your obligations under federal law. 

Please delete this account entirely from my credit report or provide documented proof of its accuracy. Failure to address this dispute in a timely manner will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursue legal action. 

Once you have completed your investigation, I expect an updated copy of my credit report reflecting the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear XXXX, I am writing to formally dispute the inaccurate reporting of an account on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX This account is being reported as a charge-off, and I have noticed multiple discrepancies in how it is listed, including conflicting dates of last activity. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. 

I demand that you investigate this matter immediately. If this account can not be verified as accurate or if the discrepancies can not be resolved, it must be removed from my credit report without delay. Reporting inaccurate information is a serious breach of your obligations under federal law. 

Please delete this account entirely from my credit report or provide documented proof of its accuracy. Failure to address this dispute in a timely manner will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursue legal action. 

Once you have completed your investigation, I expect an updated copy of my credit report reflecting the necessary corrections.

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