vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX has reported a 30 day late payment on a mortgage that was not late and was paid off. Can't have a 30 day late payment in 15 days. XXXX would have been late after the XXXX of XXXX and was reported paid in full closed in XXXX. Not even 30 days later but won't fix or remove from 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 explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint and Cease and Desist Request Equifaxs Continued Reporting and Third-Party Harassment Dear Consumer, Financial Protection Bureau , I am writing to formally lodge a complaint against Equifax for their continued reporting of inaccurate information on my consumer report and their participation in unauthorized third-party communications. Despite my previous disputes and requests for them to cease, Equifax continues to report negative information related to an account with XXXX XXXX, which has been charged off and is under dispute. 

Details of the Issue : Date of First Delinquency : XX/XX/XXXX Account Comments : Charged Off Account Creditor : XXXX XXXX Credit Bureau XXXX XXXX XXXX : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Equifax 's ongoing reporting of this account constitutes harassment and unauthorized third-party communication. This behavior violates my rights as a consumer and is causing significant damage to my credit score and financial standing. 

XXXX Requested : XXXX XXXX of XXXX : I request that Equifax be instructed to immediately cease all reporting related to this account on my consumer report across all media. This includes removing any negative marks associated with the account and ensuring no further information is reported until the dispute is fully resolved. 

XXXX of Further Communications : I request that the CFPB ensures no further communications occur concerning this account, either directly from the creditor or from Equifax. This includes phone calls, letters, emails, or any other form of communication. 

Correction of Credit Report : I request confirmation that the disputed account is marked correctly on my credit report, reflecting its disputed status. Additionally, I request that any inaccurate or unauthorized information be promptly corrected or removed. 

Written Confirmation of Actions Taken : I request written confirmation that Equifax has ceased all reporting and communication related to this account and that my credit report has been updated accordingly. 

Please consider this a formal complaint and request for immediate action to protect my rights and ensure compliance with all relevant laws. I trust that the CFPB will take the necessary steps to resolve this matter promptly. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I request an investigation into the following item ( s ) : Account Information : Creditor Name : XXXX Account Number : XXXX Description of Inaccuracy : I dont owe XXXX no money I never had their service Explanation of Dispute : Fraudlent activity discovered on my account.Somebody used my information to start a XXXX account Request for Correction : I request that the inaccurate information be promptly corrected or deleted from my credit report, as it is affecting my ability to obtain credit on fair terms. 
Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents such as billing statements, correspondence, etc. ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
My federal loans were consolidated with the new company who bought out FedLoans. On my credit report the new amount of XXXX is correct on my report but the individual loans are listed as if they are still the small individual loans I am paying on. The only loan I am paying on is the XXXX loan. The smaller federal loans were consolidated into the XXXX new loans instead of having XXXX smaller loans. Since the smaller loans still show on my report it looks as if I have XXXX out in debt but I only have close to XXXX in debt. I need those little loans taken off of my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

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

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

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : **Formal Dispute of Inaccurate Credit Reporting** Account : XXXX XXXX XXXX  Account Number XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit report related to the above-referenced account. The information provided by XXXX  XXXX XXXX on my credit report contains several inaccuracies, which I have attached I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of the incorrect information from my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report only accurate and complete information. The discrepancies listed in the attached documents violate the FCRA by providing inconsistent, inaccurate, and misleading information. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of any item of information contained in my credit file, and the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : **Formal Dispute of Inaccurate Credit Reporting** Account : XXXX XXXX XXXX Account Number XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit report related to the above-referenced account. The information provided by XXXX  XXXX XXXX on my credit report contains several inaccuracies, which I have attached I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of the incorrect information from my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report only accurate and complete information. The discrepancies listed in the attached documents violate the FCRA by providing inconsistent, inaccurate, and misleading information. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of any item of information contained in my credit file, and the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear CFPB, I am writing to express the profound impact that negative items on my credit report have had on my life. These derogatory marks are preventing me from finding stable housing, as I face repeated rejections due to my low credit score. Despite my efforts to rebuild my financial standing, these issues continue to hold me back.

The constant denials have left me feeling hopeless and increasingly depressed. I fear that without intervention, I will remain trapped in this cycle with no way forward. I kindly request your assistance in investigating these items, as I believe some may be inaccurate or outdated.

Thank you for your time and attention. I appreciate any help you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To update my name to my current legal name and remove old last names/Incorrect spelling of names/old account/debt/information greater than 8 year 's old. I have provided them with the correct spelling of my legal name and address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My rights has been Violated according to consumer law. According to CFRA following these codes. THIS ACCOUNT IS IN LITIGATION. 
5 U.S. CODE 605 15 U.S CODE 6801 15 U.S.C. 6802

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX  violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using Paypal for a while now, which was a nice experience and have never had disputes with the company until the following occurrences : On XX/XX/year>, at XXXX XXXX, I received an email from the company requesting that I provide more information about my account and other transactions that recently took place in my Paypal account. I did not hesitate to send them all the requested information, which I have attached here. Immediately after I finished submitting all the required information, my Paypal account, which was now on a temporary limitation, was all over a sudden imposed with a permanent restriction, which they termed as due to risk my account. it was the right idea for the funds to be held for the next 180 days before I could contact them. I tried reaching out to them through the app with proof I am going to provide below but they responded by stating that the only solution was for us to part ways, which was so unfair to me. Below I will attach all the documents and messages we exchanged with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX 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 in those account 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 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief