vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: WI

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
HELLO IM XXXX XXXX XXXX, I WANT TO REPORT PAYPAL COMPANY FOR TOOKING AND STEALING MY MONEY WORTH XXXX AND THEY KEEP TELLING THAT I HAVE MULTIPLE ACCOUNT JUST THAT VIOLATE THERE POLICY EVEN THOUGH IM ONLY USING XXXX PAYPAL ACCOUNT I HOPE YOU HELP ME TO THIS PROBLEM BECAUSE THAT MONEY IS FOR MY MOTHERS MEDICATION THEY RESTRICTED PERMANENT LIMIT MY ACCOUNT LAST XX/XX/XXXX AND THEY SAID I WILL GET MY MONEY AFTER 180 DAYS AND THEN LAST XX/XX/XXXX THEY TOOK MY XXXX USD ON MY ACCOUNT AND KEEP TELLING I HAVE DISPUTE EVEN THOUGH I ONLY ACCEPTING MONEY FROM MY FAMILY MEMBERS HOPE YOU HELP ME BECAUSE MY MOTHERS REALLY NEED THAT FUNDS FOR HER MEDICATION AND ITS NOT FAIR THAT PAYPAL COMPANY POWER TRIPPING TO THERE PAYPAL CONSUMER I CHECKED OVER INTERNET AND THEY DOING THIS TO MANY PAYPAL USERS IF WE DIDNT STOP THIS THEY WILL CONTINUE TO STEAL MONEY TO A POOR PAYPAL USERS HOPE YOU HELP ME IM BEGGING TO REIMBURSE MY MONEY BACK PAYPAL COMPANY THEY ARE LICENSED TO STEAL MONEY OF THERE CONSUMERS... 

TRANSACTION ID : XXXX AMOUNT PAYPAL STEAL ON MY ACCOUNT : XXXX THIS IS THE LINK I SEARCH OVER INTERNET THAT THEY REALLY STEALING MONEY OF THERE PAYPAL XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: SC

Complaint narrative:
While checking my most recent Equifax credit report, my credit report shows some inaccurate accounts. I also understand credit agencies may not report inaccurate information that has not been validated, or information not in compliance with federal law. I reached out to Equifax and notified them of the inaccuracies but has yet to solve the issue. 
XXXX XXXX XXXX  places a derogatory account on my credit report in violation in accordance with the Code of Federal Regulations : XXXX XXXX XXXX is in violation pursuant to 12 C.F.R 1006.30 My credit worthiness should not be compromised by this company 's negligence. 
I have no knowledge of, nor history with this company. 
Please remove the following accounts immediately. 

Online Information Services Account : XXXX XXXX XXXX XXXX is in violation and did not follow proper procedure according to 12 C.F.R 1006.30 and places a derogatory account on my credit report. I have no knowledge of or business with this company. I have contacted XXXX XXXX XXXX about the issue. This account should not be reporting. 

Equifax upon investigation has not furnished any original proof of validation, nor provided me with any copies of documentation associated with these accounts bearing my signature authorizing this account. Please remove it immediately. 

All parties must agree to a debt claim to be enforceable and legal. I never agreed to a contract with this XXXX XXXX XXXX. Also, the Fair Debt Collection Practices Act does not give XXXX XXXX XXXX the authority to force me to consent to contract with them. XXXX XXXX XXXX does not have lawful authority to enforce an alleged debt claim against me to my detriment without my consent. 

According to Equifax in a past CFPB complaint response regarding this company, case # XXXX this account is currently not reporting, but is clearly still reporting and needs to be removed. ( see attached ) Please REMOVE this account immediately as it should not be reporting and has already caused damage to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NC

Complaint narrative:
XXXX XXXX I was under the impression, that I could use XXXX  as a financial transfer agency ( sole purpose ) Of opening account. I did not receive a personal loan of {$710.00} from XXXX. XXXX  has forged my e-sign to apply for a personal loan in my LEGAL NAME, without my consent, after I called and instructed them that I did not consent to apply for any loan that I did not receive, and I instructed XXXX XXXX XXXX, to close the account and to cease any action that I did not give a written consent to. 

Your credit report doesn't include your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal records or level of education. It also does not include your credit score. 
Your credit report is meant to provide a detailed record of how you handle debthow much of it you carry and how well you pay it off. It also includes personal identifying information that helps to verify that the information in the report is yours. 



XXXX  HAS VIOLATED FAIR CREDIT REPORTING ACT ALSO EXPERIAN HAS VIOLATED COMSUMER LAWS, BY REPORTING MY PERSONAL ACCOUNT BALANCES, and displaying my personal spending habits in a negative way. 
EXPERIAN SOLICITED, A PERFECT MATCH FOR ME TO APPLY FOR CREDIT CARDS AND THEN DENIED ME SO I FROZE MY CREDIT ACCOUNT. 

*INACCURATE REPORTING *INACCURATE PERSONAL INFORMATION *XXXX  AND EXPERIAN have reported closed accounts, as active personal lines of credit and as personal loans, I have not applied for any loans nor have I received any loan, card, or credit from EXPERIAN OR 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 2024-08-01 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: WI

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX, XXXX & 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, XXXX XXXX, XXXX & 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 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: MI

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
HELLO XXXX, XXXX XXXX XXXX XXXX XXXX I WANT TO REPORT THE PAYPAL COMPANY BECAUSE THEY STEAL MY MONEY WORTH XXXX LAST XX/XX/year> MY ACCOUNT PAYPAL ACCOUNT WAS PERMANENTLY LIMIT LAST XXXX WITHOUT ANY REASON THEY ASK ME TO SUMBIT SOME IDENTICATION ID SO I CAN USE MY PAYPAL AGAIN BUT SUDDENLY THEY JUST PERMANENTLY LIMIT MY ACCOUNT I HAVE XXXX USD ON MY ACCOUNT AND THEY TOLD TO ME THAT I WILL GET MY MONEY AFTER 180 DAYS THEY WILL EMAIL ME HOW TO WITHDRAW IT AND I CHECK MY ACCOUNT LAST XX/XX/year> ITS 180 DAYS OF MY ACCOUNT AND IM SHOCK THAT THE FUNDS LOST AND PAYPAL TOOK IT WITHOUT TELLING TO ME HOPE YOU WILL GON NA HELP ME NAME ON PAYPAL ACCOUNT : XXXX XXXX TRANSACTION ID XXXX AMOUNT PAYPAL TOOK : XXXX HOPE YOU HELP ME SIR/MAAM BECAUSE MANY PAYPAL USERS LOST THERE MONEY AND PAYPAL COMPANY VICTIMIZING THE PAYPAL USERS THEY GETTING TONS OF MONEY OF THERE CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I hereby dispute the validity of the alleged debt listed below. I also request verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I've had different companies reach out to me about this same alleged debt. And when I sent Portfolio Recovery this letter they did not fulfill the request. 

I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX XXXX. You must cease collection efforts until this alleged debt is validated. 

Portfolio Recovery XXXX They purchased this debt as a third party from XXXX XXXX XX/XX/23. I have NO BUSINESS WITH PORTFOLIO RECOVERY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong 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 explanation
Consumer complaint received 2024-08-01 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, 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 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 2024-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
XX/XX/XXXX I was notified by my credit monitoring company that Collection Management Company had reported a {$1400.00} debt to the credit bureaus. I have never received a bill for this and had no unpaid debt ever. With the assistance of my credit monitoring company, we tried to track the collection company who stated the debt was with XXXX XXXXXXXX XXXX. Multiple efforts starting from XX/XX/XXXX to XX/XX/XXXX were made to work with Collection Management Company and XXXX XXXX XXXX to receive proof of debt and redact from collections and the credit bureaus. However, I have never been able to directly contact XXXX XXXX XXXX and keep getting routed to XXXX. XXXX and Collection Management Company have been stating they will redact the debt from collections and provide proof of debt to try to resolve the issue. However, they have not followed through with either request after repeated efforts and requests. In addition, IF this is a legitimate bill for a doctor visit it falls under the TN No Surprise law. Under this law the amount of {$1400.00} is seriously over charged and is in violation of TN No Surprise law enacted on XX/XX/XXXX which does not permit a bill beyond an in network rate which would make this alleged charge to be no more than about {$200.00}. After lack of follow through with either of these agencies after repeated attempts over 7 months, I sent emails to the companies with no responses, I filed a complaint with XXXX  with no response from the company, and have filed disputes with the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
there are items on my credit report that are not mine and they need to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE FRAUD AND THEY SHOULD NOT BE ON MY CREDIT REPORT. I CONTACT THEM CREDITORS AND THE COMPANIES

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 2024-08-01 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased and financed my car with JP Morgan Chase in XXXX. I missed several payments and Chase placed the account in a negative status. I recently paid off the remaining balance. Chase updated this account to the credit reporting agencies. I later contacted JP Morgan Chase and informed them that the Statute of Limitations had expired and requested that they delete this account from all credit reporting agencies. XXXX deleted this account but XXXX and XXXX did not. In fact, XXXX told me to contact CFPB to resolve this issue in a speedy manner, since I need to resolve this matter. I would appreciate your efforts and actions on my behalf. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: WA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: NH

Complaint narrative:
Received Validation notice ( Dunning notice ) I responded the next day. No response from collector. Two weeks later, I submit a request for response. No answer. No answer of any kind. Original Dept Verification letter has Company name, but fails to have a human to respond to on the notice. ( Credit Management , LP XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX ). ( CML ) I am XXXX with a 20 year XXXX XXXX XXXX history. I have a XXXX XXXX and can send you redacted copies of my letters to CML ). At my age, status and credit score, I'm, not worried... XXXX, but not worried.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
A credit check was done by XXXX XXXX and I was denied as guarantor for an apartment lease. The denial stated there were several delinquencies on my credit report which influenced the decision. when I printed out my credit report, there was only XXXX delinquency noted " XXXX XXXX '' which was inaccurate due to them nit posting received payment. I want to find out and correct anything else affecting my credit. My current address is also listed as incorrect on my credit report and also my name comes up with a middle initial and I have no middle name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: PA

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong 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 explanation