vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion and XXXX for their inaccurate reporting of a debt that has not been validated as mine and for reporting the same account multiple times on my credit report, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issue 1 : Reporting of Unvalidated Debt According to the FCRA, credit reporting agencies must ensure that the information they report is accurate and complete. In my case, TransUnion and XXXX have reported a debt that I have disputed, and they have failed to provide validation that this debt actually belongs to me. I have made several attempts to dispute this account and request validation in writing, but neither TransUnion nor XXXX has adequately investigated or corrected this error. 

This is a violation of my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), which requires that credit reporting agencies conduct a reasonable investigation after receiving a dispute from a consumer. Since the debt has not been validated, it should not continue to appear on my credit report.

Issue 2 : Multiple Listings of the Same Account Additionally, the same debt has been listed more than once on my credit report, which negatively impacts my credit score. Reporting the same account multiple times is misleading, inaccurate, and a violation of the FCRA. According to 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ( b ) ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting the same debt multiple times does not adhere to these standards.

Harm to Credit Score The inclusion of unvalidated debt and multiple listings of the same account have directly harmed my credit score, preventing me from obtaining credit on favorable terms and negatively affecting my financial stability.

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 2024-09-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and found several inaccuracies. I sent a dispute letter to e on XXXX. However, it has been over 35 days, and I have yet to receive a response. This delay is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15 USC 1681i ( a ) ( 1 ) ( A ), subject to subsections ( f ) and ( g ), when a consumer disputes the accuracy or completeness of any information in their credit file and notifies the credit reporting agency directly or through a reseller, the agency is required to conduct a reasonable investigation. The agency must determine whether the disputed information is inaccurate, update the status of the disputed information, or remove the item from the file. This must be done within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal is " riding the float '' i.e. dragging payments out so they can generate more interest income. I requested a check from PayPal for the {$920.00} remaining in my account. After 22 days no check had arrived so I reached out to PayPal but they had no idea if the check had even been sent. I asked them to re-issue a new check immediately but they said their " concerned team would need 72 hours to investigate and then they will get back to me ''. In other words, I might hear from them next week if I'm lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/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.

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!

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 2024-09-12 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am formally disputing the presence of unauthorized, fraudulent, and inaccurate information that appears on my credit report. This information has been unlawfully provided by creditors and reported by XXXX without my knowledge, consent, or any lawful basis. The reporting of this information represents clear violations of several federal laws, including but not limited to : - 15 U.S. Code 6802 ( regarding the right to opt out of information sharing ), - 15 U.S. Code 1681b ( regarding permissible purposes of consumer reports ), and - 15 U.S. Code 1681c-2 ( regarding the blocking of inaccurate information ).

In addition, the unauthorized use of my personally identifiable information may rise to the level of identity theft, punishable under 18 U.S. Code 1028A, and I hereby assert my rights accordingly.

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 2024-09-11 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: NY

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information.

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 2024-09-12 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: MN

Complaint narrative:
I am formally disputing the presence of unauthorized, fraudulent, and inaccurate information that appears on my credit report. This information has been unlawfully provided by creditors and reported by Experian without my knowledge, consent, or any lawful basis. The reporting of this information represents clear violations of several federal laws, including but not limited to : - 15 U.S. Code 6802 ( regarding the right to opt out of information sharing ), - 15 U.S. Code 1681b ( regarding permissible purposes of consumer reports ), and - 15 U.S. Code 1681c-2 ( regarding the blocking of inaccurate information ).

In addition, the unauthorized use of my personally identifiable information may rise to the level of identity theft, punishable under 18 U.S. Code 1028A, and I hereby assert my rights accordingly.

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 2024-09-12 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit file. Specifically, [ Account Number ] is being reported as a redeemed repossession on my credit report. This is incorrect and misrepresents the true status of the account.

1. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting an account as a redeemed repossession when that is factually inaccurate is a clear violation of this obligation. I have not redeemed any repossessed property or vehicle, and the inclusion of this remark is erroneous. 

Furthermore, under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information on my credit report. Once notified of a dispute, the credit reporting agency is required to investigate the accuracy of the disputed information within a reasonable time. I am now exercising this right and requesting that you investigate this claim immediately.

2. Violation of the Uniform Commercial Code ( UCC ) 9-625 According to UCC 9-625 , creditors are required to adhere to strict guidelines concerning the repossession and redemption of property. Reporting a repossession inaccurately, when no repossession has legally occurred, violates the principles set forth in the UCC regarding fair and accurate reporting of financial transactions. Moreover, UCC 9-609 details the specific rights of creditors when taking possession of collateral after a default, and no such action has taken place in my case, nor has any redemption. 3. Impact on My Credit Score
and Financial Health The inaccurate reporting of a redeemed repossession is unjustly harming my credit score and financial standing. A repossession or the suggestion of one, redeemed or otherwise, implies negative credit behavior, which is not the case here. Reporting such false information is damaging to my ability to access credit, and it violates my rights under the FCRA and UCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Merchants Acceptance Corp
State: CA

Complaint narrative:
I do not have a contract with MERCHANTS ACCEPTANCE # XXXX and do not owe this debt collector the stated { {$4500.00} } as alleged. Unless they can provide me with a WET INK SIGNED contract between myself ( XXXX XXXX ) and MERCHANTS ACCEPTANCE I demand this false reporting stop and the account be removed immediately. The original creditor, has charged off this This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor and also request that an inquiry be made to the third-party debt collector, MERCHANTS ACCEPTANCE for actual verification and validation affirming that they have a contract with me bearing my signature. MERCHANTS ACCEPTANCE in accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately. This is a formal notice to cease and desist reporting or attempting to collect this alleged debt. I was a victim of the XXXX data breach also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The Bank is reporting inaccurate information to the credit bureaus. The account appears on XXXX as a closed account pay as agreed, however the same account do not appear on XXXX and XXXX Credit Reports. According to FCRA Rules all information must be accurate in all consumer credit 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 2024-09-12 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: LA

Complaint narrative:
MAILED ( CERTIFIED ) VERIFICATION LETTERS FOR COLLECTION ACCOUNTS TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> MAILED ( CERTIFIED ) CREDIT REPORT HIGHLIGHTING INACCURACIES TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX PROOF OF PAID ACCOUNT TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX XXXX  PROOF OF PAID ACCOUNT TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> )

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 2024-09-12 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: LA

Complaint narrative:
MAILED ( CERTIFIED ) VERIFICATION LETTERS FOR COLLECTION ACCOUNTS TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> MAILED ( CERTIFIED ) CREDIT REPORT HIGHLIGHTING INACCURACIES TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX PROOF OF PAID ACCOUNT TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX XXXX PROOF OF PAID ACCOUNT TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received my funds to my account XX/XX/year> I sent funds out to get product for my company the next day. I waited a week and never received anything product for my business so I put in for a recall on the funds. I received my funds back into my account XX/XX/XXXX. I went to the bank that morning to take out money because I already was behind on taking care of business for my company and was told by the branch to wait a day but also was told that I can use the atm. I use the atm machine and my account instantly had a block on it. Ive been calling and not being told to much of anything. I finally reached out to somebody XX/XX/XXXX and they told me that the check was sent out to me and I should receive it between 7 to 10 business days here it is XX/XX/XXXX and I still didnt receive any funds so today Ive been calling Citibank branch Ive been calling Citibank business and still I have been getting the runaround when it comes to the closeout check. Now all of a sudden Im just being told they dont know whats going on and every time I get on the phone with someone they proceed to hang up the phone on me and today they also was telling me that no funds will hold out for me the funds will be sent back out to the original sender and Im constantly telling you that I am the original sender that money was a reversal sent back to my account and now theyre trying to take the money that was reversed back to me and sent it to the person who sent it to me all the way back in XXXX. Im highly disappointed and confused with how Citibank has been handling me and handling my business I will highly appreciate it if someone reach back out to me as soon as possible and help me resolve this major issue that I have. Thank you The issue of the Citibank business that Im having a problem with is located at XXXX XXXX XXXX in XXXX XXXX, TX XXXX My name is XXXX XXXX Business name : XXXX XXXX  Phone number : 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 2024-09-11 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/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.

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!

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please help with the following inquiries as they were not innitiated by me and are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove from my consumer report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XXXX Bank Name : XXXXXXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX. 
Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX

Company response to consumer: Closed with explanation