vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally request your assistance regarding a violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Upon reviewing my XXXX credit report on XX/XX/2024, I discovered several inaccuracies and incomplete entries. The affected accounts are listed below 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  These inaccuracies violate my rights to privacy and confidentiality under 15 USC 1681, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of information in their reports.

Under 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, pursuant to 15 USC 1681i ( a ) ( 5 ), after any reinvestigation of disputed information, if an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) requires that furnishers of information must not provide any information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate.

I request that the CFPB investigate this matter and ensure that the inaccurate and incomplete information is corrected in accordance with the FCRA. I would appreciate confirmation of receipt of this letter and information on the next steps in the investigation process.

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 


EXPERIAN 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

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 2024-08-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Ever time I try to use my card ever transaction is declined and I was told by PayPal that due to me closing a card down due to the fact it was lost or stolen that someone is trying to use that card that has caused me not able to use my new card???? This dont make since I need to use my card to pay bills and use at a store which is being denied and PayPal has done nothing to fix this issue at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted all three major bureau to have all old addresses and phone numbers removed from my account. And was giving a hard time to get the inaccurate information removed from my credit 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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted all three major bureau to have all old addresses and phone numbers removed from my account. And was giving a hard time to get the inaccurate information removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request your assistance regarding a violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Upon reviewing my Transunion credit report on XX/XX/2024, I discovered several inaccuracies and incomplete entries. The affected accounts are listed below : 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  These inaccuracies violate my rights to privacy and confidentiality under 15 USC 1681 , which mandates that consumer reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of information in their reports. 

Under 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, pursuant to 15 USC 1681i ( a ) ( 5 ), after any reinvestigation of disputed information, if an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) requires that furnishers of information must not provide any information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate. 

I request that the CFPB investigate this matter and ensure that the inaccurate and incomplete information is corrected in accordance with the FCRA. I would appreciate confirmation of receipt of this letter and information on the next steps in the investigation process. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IN

Complaint narrative:
After searching more for XXXX XXXX, they don't even exist anymore. A representative for XXXX XXXX at XXXX has stated that XXXX XXXX doesn't operate anymore. National Recovery Agency is trying to collect on something that doesn't exist as the representative also said that any XXXX XXXX were XXXX balanced out. If National Recovery Agency can't produce the orginal documents for the " alleged '' loan with XXXX to validate, then they must stop collecting and remove the file from the credit reports.

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 2024-08-29 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: MA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Subject : Dispute of Incorrect Personal Information and Complaint Against Experian Representative Dear CFPB Representative, I am writing to formally dispute inaccurate personal information reported on my credit report and to file a complaint against a representative from Experian who has not resolved the issue. 

Personal Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX Phone Number : XXXX Issue Description : I have identified incorrect personal information on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. This section mandates that credit reporting agencies must maintain accurate and complete information. Despite my efforts to resolve this issue with Experian, it remains unresolved. 

Details of the Dispute : Incorrect Information : The personal information reported on my credit report does not accurately reflect my actual data. 
Previous Communication : I contacted Experian, the only reporting agency with this issue, and spoke with a representative named XXXX XXXX XXXX XXXX. Despite my request for correction, the issue has not been resolved, which is a violation of the FCRA. 
Requested Actions : Correction and Deletion : I request that all incorrect personal information reported on my credit report be corrected to reflect my accurate details and that any erroneous information be deleted. 
Complaint Against Representative : I also wish to file a complaint against the Experian representative XXXX from XXXX XXXX for failing to address my issue adequately. 
Legal Reference : Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. The credit reporting agency is required to investigate and correct any inaccuracies. The failure to resolve this issue by Experian and their representative constitutes a breach of this legal requirement. 

I would appreciate your prompt attention to this matter and request confirmation of the actions taken to rectify the incorrect information on my credit report. Additionally, I seek your assistance in addressing the conduct of the Experian representative involved. 

Please contact me at the phone number provided above if you require any additional information or documentation to facilitate the resolution of this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : 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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: DC

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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
XXXX XXXX I ordered a speaker from XXXX using paypal pay in 4 service. 

The delivery had some issues, slow downs etc. 

All of the sudden I got a message saying it was delivered I believe XX/XX/XXXX. 
When I got home, there was no package. 

I checked my ring doorbell and it never shows a package being delivered. The porch that XXXX showed it was delivered to does not match my back porch where they said it was delivered. I've sent the video proof and pictures asking for assistance and I am being shut down left and right. 

XXXX says it was delivered, which somehow makes all my information and pictures and video I provide somehow Invalid. {$510.00} is a lot of money! 

It's been over a month, after XXXX wouldn't help me I reached out to paypal around the XXXX of XXXX. Please help! 

I have ring doorbell footage showing nothing was delivered. It is too large to upload though. I can email it if need be! 

1st picture shows where they delivered the package, comparing it to picture 2 you can see that my door should be shown on the left of their picture and my porch is not that big! They stated it was delivered to my back door. 

They are stonewalling me at this point refusing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. Experian : Balance {$10000.00}, Balance updated XX/XX/XXXX, Status Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid off.XXXXXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In XXXX : Balance updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking to verify as accurate : Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them

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 2024-08-29 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: GA

Complaint narrative:
My account with TransUnion 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. 


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. 


TransUnion 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

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 2024-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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