vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Wakefield & Associates , Inc . 
Department # XXXX XXXX, TN XXXX ( XXXX ) XXXX Subject : Dispute of Collection Account Dear Wakefield & Associates , Inc., I am writing to formally dispute a collection account listed on my credit report. The account in question is identified as follows : Account Name : Wakefield & Associates , Inc . 
Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Date Assigned : XX/XX/XXXX Upon reviewing my records, I believe this account is being reported inaccurately. I have no knowledge of the collection or believe the amount reported is incorrect. I respectfully request that you investigate this matter and provide proof that the collection is valid. 

If no valid documentation or verification of the debt is provided, I request that this collection account be removed from my credit report. 

As per the Fair Credit Reporting Act, I request that you provide me with the results of your investigation within 30 days. Please send any responses or documentation regarding this dispute to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
At approximately XXXX ( central time ) on XX/XX/XXXX I received about XXXX emails in a XXXX minute time period for things I had never subscribed to. I also received a emails from my phone carrier ( XXXX  ) about changes on my account that I did not make. I called XXXX to discuss this and someone had in fact changed what phone was linked into my account. My phone had become unusable except for on wifi, so I was calling on my wifes phone. They helped me switch everything back. 

I also received an email from XXXX XXXX XXXX XXXX about a new inquiry on my credit report with XXXX XXXX. The inquirer is listed as Barclays Bank Delaware and it occurred around the same time on the evening of XX/XX/XXXX. I did not initiate this inquiry. 

I have since changed some passwords to my accounts, froze my credit with the XXXX major bureaus, and opened a credit karma account to assist with monitoring. 
At this point, I have not had any money taken from any of my accounts, there are no unrecognized charges to my credit cards, and I do not notice any new debt/loans opened. I do also have a screenshot from my Spectrum app that I have international data being used in the XXXX XXXX, which I have never been to.

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 2024-11-16 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: GA

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. i have disputed these accounts from XXXX XXXX and XXXX as fraudelent last month and its still on my credit report, you guys removed the other fraudlent items but seem to have forgot these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: LA

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and noticed there were several inquiries on my credit report, along with a account that I did not authorize and a address that does not belong to me. Inquiries listed below I would like removed from my report XXXX XXXX reported on XX/XX/XXXX, XXXX reported on XX/XX/XXXX, XXXX reported on XX/XX/XXXX XXXX XXXX reported on XX/XX/XXXX, XXXX XXXX reported on XX/XX/XXXX, XXXX XXXXXXXX reported on XX/XX/XXXX XXXX XXXX reported on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX reported on XX/XX/XXXX. Address listed below I would like removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX. Accounts listed below I would like removed from my credit report XXXX XXXX. These items listed are fraudulent and were not authorized by me and I would like them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
XXXX and Experian have violated my consumer rights. 15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose so XXXX and Experian have violated this law because this late payment is reporting on Experian. 15 USC 1681a ( 4 ) says, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX and Experian have violated this law because this late payment reporting on Experian is a violation of my right to privacy because I didn't give them permission to report it publicly. 15 USC 1681a ( 2 ) ( a ) ( i ) says, the term consumer report does not include transactions or experiences between the consumer and the person making the report, so XXXX has violated this law because they furnished this EXPERIENCE to Experian. and I didn't give them permission to do so via 15 U.S.C 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions AND 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS LATE PAYMENT ACCOUNT after updating it to paid on time for the account listed below. 

Account name : XXXXXXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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:
Subject : Formal Complaint Against PayPal ( XXXX ) for Withholding Funds To Whom It May Concern, I am filing a complaint against PayPal for unjustly withholding funds from my business account, XXXX XXXX XXXX. Despite full compliance with all their requirements, including submitting a XXXXXXXX XXXX account, a verified PayPal account, and supporting documentation, the funds remain inaccessible. 

PayPal has failed to respond promptly, provided inconsistent instructions, and caused significant financial harm to my business, including delayed payments, reputational damage, and operational disruption. I have spent hours on their chat system with no resolution or actionable feedback. 

I request your intervention to investigate this matter, ensure the immediate release of funds, and hold PayPal accountable for their actions. I can provide all relevant evidence to support this complaint. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX Trading [ Your Contact Information ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
Formal dispute XXXX XXXX XXXX  I am writing to formally dispute inaccurate information on my credit report related to my XXXX XXXX account XXXXbelieve that several discrepancies in the reporting of this account violate my rights under the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation to correct these issues. 

The following inconsistencies appear on my report across XXXX, Experian, and XXXX : Date open on XXXX different from XXXX and Experian.last Reported, all 3 have different dates, date last active and date last payment for XXXX different. 

This inconsistency suggests that inaccurate information is being reported, which could harm my creditworthiness. 

Reinvestigate the completeness of every piece of information and if its not accurate, please delete account.

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 2024-11-16 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX  closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. 

I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.

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 2024-11-16 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: FL

Complaint narrative:
XXXX and Transunion have violated my consumer rights. 15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, so XXXX and Transunion have violated this law because this late payment is reporting on Transunion. 15 USC 1681a ( 4 ) says, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX and Transunion have violated this law because this late payment reporting on Transunion is a violation of my right to privacy because I didn't give them permission to report it publicly. 15 USC 1681a ( 2 ) ( a ) ( i ) says, the term consumer report does not include transactions or experiences between the consumer and the person making the report, so XXXX has violated this law because they furnished this EXPERIENCE to Transunion and I didn't give them permission to do so via 15 U.S.C 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish an account without my written instructions AND 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS LATE PAYMENT ACCOUNT after updating it to paid on time for the account listed below. 


Account name : XXXXXXXX XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. 

I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.

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 2024-11-16 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: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. 

I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: KS

Complaint narrative:
I wrote your company a dispute last month XX/XX/year>, and I explicitly stated the accounts that were fraudulent and in question ; nonetheless, there are still accounts on my credit report that should not be there.

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 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Dispute of Late Payment on Car Loan Account # XXXX Dear Capital One Auto Finance Team, I hope this email finds you well. I am writing regarding my car loan, account number XXXX. I would like to formally dispute a late payment that has been reported on my credit report for this loan. 
Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1637 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer no later than 21 days before the payment due date.

Additionally, the report must contain information solely about transactions or experiences between the consumer and the reporting party. I believe that the late payment may have been reported in error due to a failure to comply with these requirements.

Please provide me with the following documentation for verification : Proof that the periodic statement was mailed or delivered at least 21 days before the due date.

Documentation showing that the report only includes relevant transaction and experience details between myself and Capital One.

If no valid documentation or verification is provided, I request that this late payment be removed from my credit report.

I would appreciate your prompt attention to this matter and kindly ask that you provide me with the results of your investigation within 30 days. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXXXX/XX/1217 XXXX, TX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. 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 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 2024-11-16 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: AZ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX New Added : XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/year> Balance : {$330.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/year> Balance : {$0.00} Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/year> XXXX : {$17.00} Late/Open XXXX XXXX  Account Number XXXX Open Date XX/XX/year> Balance : {$5.00} Late/Open

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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
Subject : Dispute of Late Payment on Discover Credit Card Account # XXXX Dear Discover Card Customer Service, I hope this email finds you well. I am writing regarding my Discover credit card, account number XXXX. I would like to formally dispute a late payment that has been reported on my credit report for this account. 

Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1637 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer no later than 21 days before the payment due date.

Additionally, the report must contain information solely about transactions or experiences between the consumer and the reporting party. I believe that the late payment may have been reported in error due to a failure to comply with these requirements.

Please provide me with the following documentation for verification : Proof that the periodic statement was mailed or delivered at least 21 days before the due date.

Documentation showing that the report only includes relevant transaction and experience details between myself and Discover.

If no valid documentation or verification is provided, I request that this late payment be removed from my credit report.

I would appreciate your prompt attention to this matter and kindly ask that you provide me with the results of your investigation within 30 days. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
My information was shared with another company without my consent. 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices : Purpose The FDCPA was created to eliminate unfair, deceptive, and abusive debt collection practices. It also aims to ensure that debt collectors who don't use abusive practices aren't at a competitive disadvantage. 
Definitions The FDCPA defines key terms, including : Bureau : The Bureau of Consumer Financial Protection Communication : The act of conveying information about a debt to any person, directly or indirectly Consumer : A natural person who is obligated or allegedly obligated to pay a debt Creditor : A person who offers or extends credit, or to whom a debt is owed Validation of debts Section 1692g of Title 15-Commerce and Trade covers debt validation. It requires debt collectors to : Include the creditor 's name State that the debt will be considered valid if the consumer doesn't dispute it within 30 days Provide the consumer with the original creditor 's name and address if requested within 30 days Stop collecting the debt if the consumer disputes it or requests the original creditor 's name and address

Company response to consumer: Closed with explanation