vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with XXXX Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of XXXX XXXX for over XXXX years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/2024, was returned due to insufficient funds in my XXXX XXXX checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from XXXX XXXX the XXXX period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/2024, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to XXXX Bank, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from XXXX XXXX XXXXbout the failed payment. 
I took immediate action to make the payment once I became aware, well within the XXXX mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that XXXX XXXX correct this error and remove the late payment from my credit report to prevent further damage to my XXXX XXXX. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.

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 2024-09-04 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: FL

Complaint narrative:
In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity

under 15 USC 1681. The accounts bellow have violated my rights. 15 USC 1681 section 602A, States I have the right to Privacy. 15 USC 1681 Section 604A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( a ) 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 be
lieve that the information is inaccurate XXXX XXXX XXXX XX/XX/year> Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
My internet service, with XXXX XXXX, was transferred after a lengthy process at my past residence of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX to that of my girlfriends mother XXXX XXXX. Upon XXXX ending the service in XX/XX/year> she promptly returned all the internet equipment. I have both receipts of return. XXXX failed to realize this was the same equipment from the transfer of service which they had processed. Given we had all left the residence I never received any communication from XXXX regarding the supposed outstanding return.

My balance of {$160.00} was subsequently sent to Credit Collection Services LLC. Given i had been moving around attempting to find a new residence I only received the collections notice on XX/XX/year>. I immediately faxed a letter to Credit Collections Services LLC telling them this was in error and that I was disputing the claim in question. I also called Credit Collections Services LLC and told them the issue after contacting XXXX the same day and being told this was over unreturned equipment. On XX/XX/year> i received notice they had sent my debt to credit reporting agencies. 

On XX/XX/year> i contacted XXXX and provided them the tracking number and asked them to provide me proof of return so i could provide it to the collections agency and also have it on hand for my now necessary FCRA dispute. XXXX said they could not do this and I would need to provide this detail to Credit Collection Services LLC ... subsequently I called the collections agency and they said they did not understand why XXXX could not provide confirmation and that I would need to dispute this further now that it had been reported to credit bureaus. Credit Collection Services LLC has not given me any opportunity to submit proof of my return to support my claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-04 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: PR

Complaint narrative:
After checking my Consumer Report and viewing my Credit Score. I find TRANSUNION is violating my rights as a consumer by reporting late payments on my Consumer Report.

I am making the following complaint and dispute against TRANSUNION on the basis of violating my rights as a consumer by reporting on my consumer report an EXCLUSION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US Code 1681a and 15 US CODE 6802. A line item listed on my consumer file as LATE PAYMENTS 30 day past due, 60 day past due Your company TRANSUNION is in direct violation of 15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for TRANSUNION to report my transactions and experiences between me ( XXXX XXXX XXXX the consumer ) and XXXX XXXX XXXX XXXX ( The person making the report ). However, XXXX XXXX XXXX XXXX ( The Person making the report ) has reported to TRANSUNION my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to TRANSUNION and by TRANSUNION on my consumer report. A consumer report by TRANSUNION listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from XXXX XXXX reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding EXCLUSIONS as it is described below. My complaint against TRANSUNION does meet the standard set by 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that TRANSUNION remove the Consumer file listed as LATE PAYMENTS with XXXX XXXX from 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
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Alleged Debt Account Number XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above that appears on my credit report. The details of the account are as follows : Account Number : XXXX Original Creditor : XXXX XXXX Amount : {$260.00} Date Opened : XX/XX/year> I have reviewed my credit report and have noted that Jefferson Capital Systems has reported a collection account associated with XXXX XXXX. I want to make it clear that I have never opened an account with XXXX XXXX, nor have I authorized anyone to open an account on my behalf. Therefore, I dispute the validity of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : 1. Validation of the Debt : Provide the name and address of the original creditor and any documentation or records that substantiate the amount and validity of the debt you are attempting to collect.

2. Verification of Your Right to Collect : Documentation proving that you have been authorized to collect this alleged debt on behalf of the original creditor. 

Additionally, I am requesting that Jefferson Capital Systems cease all collection activities, including reporting this account to any credit reporting agencies, until this matter is resolved and the debt has been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a credit injuries that needs to be removed can you please remove it XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have a credit injuries that needs to be removed can you please remove it XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I received a PayPal debit card at my address with my name on the card. 
I did not request a debit card, I called PayPal to check on this. PayPal said that my SSN and address was used to open another PayPal account with same name and different email address and phone number. 
I confirmed my identity and asked PayPal that the new account is a fraud, I asked PayPal to send me receipt of acknowledgement that I have reported this and they are working on it. 
PayPal refused to provide me any acknowledgement that I reported something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Eastern account contacted me by phone by a rude representative demanding the last XXXX of my social security number. They never told me what the debt was but sent a letter a few weeks later. This was from XXXX, but my account had been closed a year and paid in full. I attempted to dispute this debt by sending in the form from the letter sent to me on XX/XX/XXXX. The response back was a request again for my ssn and date of birth. My requests for more information has gone unanswered and the creditors hasn't made any attempts to resolve this false debt attached to my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: MD

Complaint narrative:
Equifax is conspiring with XXXX XXXX. According to XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX was a public safety hazard. XXXX procrastinated the fuel pump repair for months endangering my life. XXXX XXXX supervisors combative and harassment was relentless, they insisted I trade the vehicle to mask the manufacturer allocating hazardous vehicles to my zip code and when I didnt their shenanigans were carried out to prohibit on time payments. For example, the representatives were combative, aggressive, and abusive when I attempted to make payments, I was transferred into the queue and refused supervisor assistance. I would eventually be told after numerous calls the supervisor would call me back within 48-72 hours ; which NEVER happened, and when I called back they would repeat the same, and make me wait another 48-72 hours. I contacted my Maryland Attorney General case XXXX XXXX  XXXX and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX. Most important, prior to this XXXX XXXX XXXX, XXXX XXXX me and I had very great credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

- Account number : XXXX, Account name : XXXX XXXX XXXX I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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