vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of an alleged charge-off account from XXXX XXXX XXXX with a balance of {$2800.00} on my credit report. This account is being reported as a charge-off ; however, neither a 1099-C form nor any documentation of debt cancellation has been issued to me or the IRS, as required by law.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am entitled to a fair and accurate report. The failure to provide a 1099-C for this charged-off account implies that this debt remains unresolved, yet its continued reporting as income violates the accuracy requirements set forth by the FCRA. Additionally, without the 1099-C form, there is no basis for reporting this balance as income, which makes this account invalid for reporting on my credit profile.

Under 15 USC 1692 ( k ), if this matter is not addressed and the account is not promptly removed, I reserve the right to pursue civil liability for these violations.

Please investigate this matter thoroughly and remove this account from my credit report to ensure compliance with federal laws.

Thank you for your prompt attention to this urgent matter. I look forward to your confirmation of the removal of this erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-29 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: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXXXXXX XXXX account, account XXXX. Specifically, late payments were reported for the months of XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: InDebted Corporation
State: OH

Complaint narrative:
In XXXX there was an incorrect, accidental deposit made into my XXXX XXXX account of {$750.00} which is completely out of range of anything normal i did in the past. i disputed this with my bank and XXXX  and i won the dispute and was given back my {$750.00}. i just have received an email now in XXXX saying i owe {$750.00} to indebted which is connected to XXXX XXXX. why? i dont know. this was resolved with the bank and should be removed and not be sent to a debt collector. please removed this from my credit and removed as a debt owed. which it should not be

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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
State: NY

Complaint narrative:
I am the authorized user on a Venmo nonprofit account under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX  XXXX, New York. On XX/XX/year>, four people donated {$50.00} ( {$48.00} after Venmo fees ) towards the nonprofit. On XX/XX/year>, I attempted to transfer the funds to the church 's bank account, but the system produce a " form submission error. '' I chatted with XXXX who stated : ( XXXX XXXX  ) ( XXXX ) XXXX XXXX : Hi XXXX, it looks like your attempt to add this bank account is being declined by our system. This generally happens because a security flag has been raised. 
( XXXX XXXX  ) ( XXXX ) XXXX XXXX : I'm very sorry about the inconvenience here, but at this time we are not able to override these declines. For security reasons, customer facing teams are not able to see the exact reason for the decline. 

I asked for a resolution, and there is none. I requested a supervisor call, and one was not provided. 

I next called Venmo and spoke with XXXX, XXXX, and finally XXXX. XXXX indicated that the reason for the security flag is that my name does not match the name on the nonprofit bank account. That is to be expected because I do not own the bank account, the nonprofit does. He suggested that I transfer the money to my personal account, which I decline to do. I asked for further options, and he had none. He told me to wait and try again in an hour. I attempted several times in the last 24 hours, without any luck. 

I asked him if he would follow-up with me, and he told me that they have a policy not to follow-up with users and I would need to call back and start over. 

I have a ticket # XXXX. 

My complaint is that Venmo is inappropriately holding money that was donated to a nonprofit without any resolution for how the nonprofit gets those funds. There is also no process for me to file a complaint or have this escalated. I am hoping you can help, because this not only affect the church, but the original donors. 

Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
XXXX XXXX it doesnt provide the date, but the amount of XXXX. Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditor 's name and address.

2. The original account number associated with the debt.

3. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied.

4. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt.

5. Proof that your agency is licensed to collect debts in [ your state ].

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities.

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete.

I kindly request that you provide the requested information within 30 days from the date of this letter. Failure to do so will be interpreted as an admission that the debt is invalid, and I will take appropriate legal action to protect my rights.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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 EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 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. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXXXX/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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: MA

Complaint narrative:
To whom it may concern, I am writing to dispute the accuracy of certain items on my credit report, as reported by [ XXXXExperian ] . This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically highlighting violations of : 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy - It is my right to have my credit information treated confidentially and disclosed only for permissible purposes. The accounts below have been reported without my written authorization, violating my federally protected privacy rights.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Permissible Purpose and Written Consent - This section mandates that consumer reports may only be furnished with the consumers written instructions. I did not provide written consent for these accounts to be reported, making the reporting unauthorized.

15 U.S.C. 1681c ( a ) ( 5 ) : Adverse Items Reporting Limit - This section states that adverse information can not be reported if it predates the 7-year limit. If any of the report
ed information exceeds this timeframe, it must be removed.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - This section requires that furnishers of credit information only report accurate information. If there is any discrepancy in the reporting of these accounts, it constitutes a violation. 

The items I am disputing are : XXXX  XXXX XXXX Revolving Account # XXXX- Listed as a charge-off. 
XXXX  XXXX XXXX Revolving Account # XXXX- Listed as a charge-off. 
XXXX XXXX XXXX - Account # XXXX - Listed as a collection. 
I request a thorough investigation of these accounts to verify their accuracy and ensure compliance with FCRA requirements. If the investigation determines that these items were reported without permissible purpose or written consent, I ask that they be permanently removed from my credit report. 

Please confirm receipt of this dispute and notify me of the investigation results within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XX/XX/2023 Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX  EMPLOYER : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: LD Holdings Group, LLC
State: MI

Complaint narrative:
I am REWRITING to formally resubmit the complaint to LOANDEPOT.COM regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX MI XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MI

Complaint narrative:
My card was used to access over {$15000.00} of funds from my unemployment account. I have provided proof and signed documents for statements. US Bank ReliaCard still hasnt given me my funds or rectified the situation.

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 2024-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: CO

Complaint narrative:
Below is a copy and paste from an email I received stating I received medical services from XXXX XXXX XXXX XXXX XXXX. This is false and absolutely identity fraud or a scam/phishing attempt. They state they are XXXX XXXX and then claim they are addressing XXXX XXXX, who I have never heard of. 

Whether by accident or intentional it was sent to my email not associated with this individual and an attempt at fraud.

Monday to Friday | XXXX XXXX XXXX  CST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX : Record Number : XXXX Credit Systems International, XXXX XXXX XXXX XXXX collector. We are trying to collect a debt that you owe to : XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt.

Our information shows : You received medical services from : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX with account number XXXX As of : XX/XX/XXXX, you owed : {$81.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$81.00} As a reminder, XXXX previously provided you with an itemized statement through the XXXX  web page and mobile application or on paper regarding your charges. The detailed information is still available for you electronically, but you may also request a paper copy by contacting XXXX XXXX XXXX  department at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: DISCOVER BANK
State: KY

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, XXXX XXXX number : XXXX date XX/XX/year> XX/XX/year> .Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days

Company response to consumer: Closed with explanation