vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of a fraudulent account from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following account was not authorized by me : Fraudulent Account : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2024-11-30 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XX/XX/2024, an unauthorized person signed into my account, set up a virtual debit card and processed transactions from my account. I contacted the bank immediately upon finding the discrepancy and they approved some of the disputed transactions. Unfortunately they denied several under the guise that I authorized those transactions. While I did not authorize those transactions they continue to hold to their blighted remarks. They can clearly see that I was not the person who signed in and created a new virtual card ; they can see that the transactions were fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX AND DEPT OF ED/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 to be removed.

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

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

XXXX XXXX XXXX AND DEPT OF ED/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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX AND DEPT OF ED/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 to be removed.

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

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

XXXX XXXX XXXX AND DEPT OF ED/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 explanation
Consumer complaint received 2024-11-30 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: MI

Complaint narrative:
I dont know what some of these companies are. I never authorized these companies to have my information. This is fraud. This is illegal. 

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 2024-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I took private student loans from Navient from XXXX. I was not working and did not have good credit at the time so my mother co-signed the loans for me. Once I graduated, I put forth best efforts to repay the loan. However, I had severe financial struggles and needed multiple forbearances. I lost my mother in XXXX and was told that I was no longer eligible for forbearances because I maxed out. When I explained to them that my mother died and I was experiencing health issues, they told me that I had to make a payment or I'd default, I started paying them with credit cards to prevent default. In XXXX, I applied for and was granted XXXX  XXXX bankruptcy but my attorney refused to argue for student loan forgiveness in the separate hearing. I could not afford another attorney to handle the special hearing for student loans. Navient did not acknowledge my mother 's death until XXXX when I received a letter from them saying they recently learned of her death although I'd been telling them for years. My struggles with Navient lasted from XXXX  through XXXX when I could no longer afford my payments and refused to pay interest only. My total loan balances ballooned from the initial {$14000.00} to over {$41000.00}. I spoke to multiple representatives during this time about their predatory lending practices and offered to pay the amount I borrowed if they would remove all of the years of interest they had tacked on. I argued that even when I made payments, my balances continued to increase. They offered to settle for 60 % of the balance, to be paid in three installments. The amount was unfair and I explained that I did not have that type of money to pay them. I stopped taking their calls and Navient then started calling people associated with my and disclosing the matter to them, violating my privacy. They left a detailed voicemail on my sister 's phone. They called my husband and disclosed the matter to him, and I was not married when these loans were taken. He was not aware of the matter. The also left messages on my son 's phone. They started reaching out to past employers as well. During this time, they threatened me with legal action. Finally, when trying to embarrass me did not work, and threatening legal action did not work, they sold me loan to a debt collector. I feel I have made enough payments over the years that my loan should have been considered settled or even written off. Not sent to a collection agency to further harm my credit, after multiple offers from myself to try to resolve the matter. Their practices are illegal and unjust. 

Disbursements - {$14000.00} XX/XX/XXXXXXXX  - {$2000.00} XX/XX/XXXXXXXX  - {$5500.00} - withdrew XX/XX/XXXX - {$2000.00}- withdrew XX/XX/XXXX - {$2000.00} XX/XX/XXXX - $ XXXX not enrolled

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
The late payment reporting by XXXX XXXX to credit bureaus is unfair and inaccurate under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings on the need for fairness, accuracy, and respect for consumer privacy in credit reporting. Heres how : Inaccuracy Undermines the Banking System : Section 1681 ( a ) ( 1 ) emphasizes that the banking system depends on accurate credit reporting. XXXX XXXX reporting of a late payment, if inaccurate or disputable, compromises the reliability of the banking and credit system and unfairly harms me as a consumer. 
Unfair Practices in Reporting : Section 1681 ( a ) ( 4 ) obligates creditors and credit reporting agencies to handle information with fairness and respect for the consumer 's right to privacy. XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my compliance with applicable consumer protection laws or a misunderstanding that could have been resolved before reporting. 
Breach of Responsibility to Ensure Accuracy : Section 1681 ( b ) requires consumer reporting systems to operate fairly, equitably, and accurately while protecting confidentiality. XXXX XXXX late payment reporting fails to meet this standard, introducing errors into my credit file that unfairly damage my reputation and creditworthiness. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : Under 15 U.S.C. 1666b, creditors may not treat payments on open-end credit plans as late if received by XXXX XXXX. on the due date and in the correct amount and format. If XXXX XXXX reported my payment as late despite compliance with these conditions, it constitutes a direct violation of this rule, further highlighting the unfairness of their reporting. 
Request for Resolution To address this issue and restore fairness, I request that XXXX XXXX : Immediately remove the late payment entry from my credit report. 
Inform all relevant credit reporting agencies of this correction to ensure that my credit history is accurately reflected. 
This resolution is necessary to uphold the principles of accuracy, fairness, and consumer protection enshrined in the Fair Credit Reporting Act and the Truth in Lending Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>XXXX  on my PayPal account under the email XXXX, I purchased an item from XXXX XXXX XXXX XXXX for a total of {$960.00} using a Pay in 4 Plan. When the item arrived I noticed that parts were missing so I promptly contacted XXXXXXXX XXXX XXXX XXXX and they provided me a return label to return the items on XX/XX/year>. I've sent the item back on XX/XX/XXXX and on XX/XX/XXXX the items were delivered back to the seller who confirmed they received the items in an email I have attached below. Despite this confirmation by the seller that they were negligent in refunding me and after weeks I contacted PayPal to dispute the seller. 

After providing PayPal with all the information in the dispute, including communications, tracking number and more, the case was closed in the sellers favor after almost 2 months of waiting. The reason for the closure in the sellers favor was that I provided tracking info that couldn't be validated but l used the shipping label that the seller themselves gave me and they also confirmed the receiving the item. I've attached proof below that the seller is the one who sent me the shipping label. The tracking number for the return label is XXXX. So not only does the seller have the item, they are keeping my money hostage and will not return it. I've contacted the shipping company directly and they have confirmed to me as well that the item was delivered to the correct address on the shipping label, that was giving to me by the merchant. I've attached written proof from XXXX themselves showing this. 

After speaking with multiple customer service representatives on the phone using PayPals support number, they recognized that the case shouldve been closed in my favor but reopened the case under a different case type. The case was closed again. I once again spoke to customer service who changed it to the correct case type and it was closed again within minutes to sellers favor because I waited over 30 days. I submitted this case XX/XX/XXXX which is less than 30 days since the item was delivered to me. 

So again to clarify I provided the following to PayPal Proof that the seller confirmed they received the item Proof that the seller is the one who provided the shipping label for return The actual shipping label itself given to me by the seller via email Proof of delivery by XXXX showing it was delivered to the seller Multiple communications with the seller stating that they will refund me but they never have This is clearly fraudulent business practices on both the seller 's part as well as PayPal 's. This is a case of neither party- the seller or PayPal- abiding by their own refund and protections as listed on their respective websites. This needs to be fixed and I need my money back for the item I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
They are reporting false information on my credit reports. Theyre not providing my accurate contract. They were not asked to report any action of my debt to credit bureaus. I would like this item removed from my credit reports. 15 U.S. code 1692c. 15 U.S. code 1692g 15 U.S. code 1681 e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

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 2024-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vanguard Financial Services, Inc.
State: WV

Complaint narrative:
XX/XX/year> Collection Notice received from Vanguard Financial Services, stating that the amount owed was in remittance to " various clients '' the amount is {$270.00} I have received multiple letters from Vanguard and the verbiage used stated " This is to advise you that some or all of your deliquent account ( s ) may be reported to a XXXXXXXX XXXX XXXX. We urge you to contact us immediately to make payment arrangements on your past due account. '' Says the original creditors on the back but it says XXXX XXXX XXXX from three different occasions. I have a serious medical condtition and I am unsure what these are.

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 2024-11-30 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : XXXXXXXX XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  The balance currently being reported is inaccurate and potentially unlawful. Per Gugger v. USAA Federal Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, 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 2024-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : XXXXXXXX XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  The balance currently being reported is inaccurate and potentially unlawful. Per Gugger v. USAA Federal Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, 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 2024-11-30 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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