vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I just open this account and tried to transfer money from my XXXX XXXX to pay my landlord. I use Venmo to get paid my job. All I did was ask my landlord to be a friend on Venmo so I could pay him then then I added my XXXX  XXXX  so I could transfer {$100.00} to add with my current balance which is {$840.00} dollars I forgot my card was locked and it declined. Venmo then froze my account. I called to see why my account was froze and they do not have a reason. They stated that I have to wait on an account specialist to review my account. On their website it says if you have a reason for them to release or unfreeze your account they will and my rent is a legit reason. I have not even had this account for a month. I need my money I worked hard for my money. And Im not trying to be evicted from my home. I have XXXX XXXX  children who needs their home!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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:
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 60 days 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: MO

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX ] [ XXXX XXXX, Ca, XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute of Charge-Off on Credit Report Account Number : [ Your Account Number ] To Whom It May Concern, I am writing to formally dispute the charge-off on my credit report related to my account with XXXX XXXX XXXX XXXX XXXX This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Consumer Financial Protection Bureaus ( CFPB ) Regulation F, 12 CFR 1006.34 ( b ) ( 5 ). 

Upon reviewing my credit report, I noticed that the charge-off listed for my account with XXXX XXXX XXXX XXXX is inaccurate and requires correction. I am requesting that you investigate this matter and provide verification of the debt and its validity as required by the FCRA.

Fair Credit Reporting Act, 15 USC 1681 Under the FCRA, you are required to ensure the information reported to credit bureaus is accurate and complete. Specifically, 15 USC 1681i ( a ) mandates that upon receiving notice of a dispute, you must conduct a reasonable investigation to determine whether the disputed information is accurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ).

Consumer Financial Protection Bureau Regulation F, 12 CFR 1006.34 ( b ) ( 5 ) As per Regulation F, 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide specific information about the debt they are attempting to collect. This includes the name of the creditor to whom the debt is currently owed, the account number, and an itemized statement detailing the amount of the debt. 

Given these requirements, I request that you provide the following : XXXX. Documentation and verification of the charge-off amount, including an itemized statement. 
XXXX. Evidence that the debt is valid and accurately reported. 
XXXX. The original agreement or contract that created the debt. 

If you can not provide sufficient evidence that verifies the validity and accuracy of this charge-off, I request that you promptly remove it from my credit report. 

Please respond to this dispute within the time frame required by law. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, [ Your Name ] Feel free to customize this letter further to suit your specific situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: CA

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 60 days 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.

CAPITAL ONE 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 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against Sallie Mae for incorrectly reporting late payment for my daughter student loan account that Im a cosigner. This false negative information has significantly impacted my credit score and purchasing ability. 

Details : My daughters have been a responsible borrowers with Sallie Mae and are currently in school and all accounts should be in defermant on student loan. However, I discovered that Sallie Mae falsely reported a late payment to my daugher account to which Im a cosigner to the major credit bureaus. This incorrect information has led to a drop in my credit score.

Impact : This erroneous report has negatively affected my financial standing and purchasing ability. Specifically : I was denied a purchase and decrease to my credit due to the lower credit score. 
I am now facing higher interest rates on loans and credit cards. 
My overall creditworthiness has been unfairly compromised. 

Attempts to Resolve : Upon noticing the false report, I immediately contacted Sallie Mae to rectify the error. Despite providing proof to their error, Sallie Mae has not corrected the false report. I also recently filed disputes with XXXX, but the information remains unchanged. 

Request for Relief : I respectfully request that the CFPB investigate this matter and take the following actions : Ensure Sallie Mae corrects the false late payment report on my credit file. 
Require Sallie Mae to notify all major credit bureaus of the correction. 
Provide compensation for any financial harm caused by this false report, including higher interest rates and denied credit applications. 
Implement measures to prevent future occurrences of such errors by Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NJ

Complaint narrative:
I was told by XXXX that if i pay XXXX i would settle this account and come today after i paid XXXX its now showing that i still Owe a balance when it was supposed to show paid and Now they are asking me to pay more which isnt fair

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I myself XXXX XXXX XXXX will like to request a RE-INVESTIGATION on Account that is negatively impacting my profile. There is still inaccurate claims on my report. 
Pursuit 15 usc 1681 accuracy and fairness of a credit report according to the law before any information is inserted it should be accurate. I am aware of the law. XXXX has adhered and deleted the negative account however, XXXX and XXXX is still reporting this collection. I have contacted for a very long time, mail and phone calls. And no positive resultsa. I am placed on hold for hours and treated very unfair. 

PLEASE HELP I AM FUSTRATED AND DOING MY BEST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive obtained. Copy of my credit report nd noticed the following errors. 

Last name : XXXX I have submitted documentation of my last name being XXXX, and it has not been updated on my credit report. There are bankruptcies showing on my report as last name XXXX as well. 

I have obtained a copy of my license for validation and would like this information updated as soon as possible. I am entitled to an accurate credit report, and this is a violation.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy of the information contained in my credit report. Pursuant to 18 U.S.C. 8, I owe no debt. The reporting of the following items is therefore incorrect and must be removed immediately to ensure compliance with federal law : 1. All accounts including but not limited to those with late payments.

2. All charge-offs.

3. Any and all inquiries.

Furthermore, this company is violating my consumer right to privacy pursuant to 15 U.S.C. 1681b ( 2 ). This company has NO permission to report ANYTHING using my information pursuant to 15 U.S.C. 1681 ( 4 ). As such, all information pertaining to my accounts should be removed from my credit report immediately.

Additionally, I request the removal of all medical accounts listed in my report as they violate The Health Insurance Portability and Accountability Act ( HIPAA ) of 1996. These accounts are being reported without my consent and in violation of my privacy rights. 

Please provide written confirmation that these items have been removed. If you require any additional information, please contact me at the above address. 

I trust that you will comply with federal law and correct these inaccuracies promptly. Failure to do so may result in further legal action to protect my rights. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
Under law 15 usc1692c ( c ) states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, and so on all in year of XXXX Eastern Account System- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: GA

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 2024-07-11 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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