vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several billing mistakes. The late payments do not reflect my typical payment history.

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 2024-09-26 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: Self Financial Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Payment History SELF FINANCIAL/LEAD BANK This is my third attempt to have this account corrected, I am writing to formally dispute the inaccurate information reported regarding my account with SELF FINANCIAL/LEAD BANK ( Account Number : XXXX ). This is my third attempt to resolve this issue, and the continued presence of a 30-day late payment has caused me significant stress and adversely affected my creditworthiness. 

Identified Discrepancies : Inconsistent Status Reporting : The account is listed as Paid, Closed, yet it shows a 30-day late payment in XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), all information reported must be accurate. The conflicting statuses misrepresent my payment history and do not reflect my responsible borrowing behavior.

Misleading Payment History : If the account is marked as paid and closed, it should not reflect any late payments. The FCRA ( 15 U.S.C. 1681c ( a ) ) mandates that creditors report accurate information, and this inconsistency can mislead potential creditors about my financial responsibility. 

Failure to Update After Closure : The last update in XX/XX/year> indicates a paid and closed status, yet the late payment still appears on my report. Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must update accounts promptly to accurately reflect their current status. The lack of timely updates contributes to the ongoing inaccuracies. 

Duplicate Negative Reporting : Reporting both a paid status and a past due status creates the potential for duplicate negative information. The FCRA ( 15 U.S.C. 1681e ) requires that all reporting must be clear and not misleading, and having these conflicting statuses harms my credit score. 

Request fo

r Resolution : Given the discrepancies outlined, I request the following : Immediate removal of the 30-day late payment from my credit report. If this information can not be verified as accurate, it must be deleted in accordance with FCRA ( 15 U.S.C. 1681i ( a ) ). Update the payment status of this account to Paid, Never Late to accu
rately reflect my payment history. 

I urge you to conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. The ongoing presence of this late payment is causing significant distress and financial strain. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
This debt was sold to another agency, XXXX ( XXXX XXXXXXXX XXXX XXXX. This agency made no attempts to contact me regarding the debt. Instead, they placed a derogatory credit item on my credit report, even though the original loan was taken out over XXXX years ago. I have made several written requests to resolve this debt but have not received any response from the agency. I have also disputed the information with each credit reporting agency, XXXX, Trans Union, and XXXX. However, these agencies have failed to review the validity of adding a debt to my credit file even though the debt is almost XXXX XXXX XXXX at this point.

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 2024-09-26 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: TX

Complaint narrative:
This debt was sold to another agency, XXXX ( XXXX XXXXXXXX XXXX ). This agency made no attempts to contact me regarding the debt. Instead, they placed a derogatory credit item on my credit report, even though the original loan was taken out over XXXX years ago. I have made several written requests to resolve this debt but have not received any response from the agency. I have also disputed the information with each XXXX XXXX XXXX, Equifax, XXXX XXXX, and XXXX. However, these agencies have failed to review the validity of adding a debt to my credit file even though the debt is almost XXXX XXXX XXXX at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
This debt was sold to another agency, XXXX ( XXXX XXXXXXXX XXXX  ). This agency made no attempts to contact me regarding the debt. Instead, they placed a derogatory credit item on my credit report, even though the original loan was taken out over XXXX years ago. I have made several written requests to resolve this debt but have not received any response from the agency. I have also disputed the information with each credit reporting agency, XXXX, XXXX XXXX, and Experian. However, these agencies have failed to review the validity of adding a debt to my credit file even though the debt is almost XXXX XXXX XXXX at this point.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-26 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: MA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
XX/XX/XXXX my wife tried to purchase an item from a fraudulent seller. Purchase was made using Paypal friends and family. The fraud was detected and Paypal contacted. They instructed us to close the checking account at the bank, which we did. Then Paypal opened a dispute and requested we file a FBI report, we did and sent them a copy of the report. Then Paypal kept contacting us about the {$100.00} debt in our account. Each time we were able to contact a Customer Service representative we explained the situation and they submitted it to the dispute. Several Customer Service managers responded that we should not worry about this situation and it would be resolved. Paypal representative indicated they we were working with the FBI on our case. Then we would get another e-mail from Paypal telling us that we were in arrears. 

Finally we got an e-mail telling us Paypal had submitted us to XXXX, apparently their collections department. We tried contacting Paypal Customer Service again and their system kept sending us to XXXX. 

I finally paid off the balance through Paypal and tried to close my Paypal account and they seemingly won't let me. That is the final result of this issue. The balance has been paid and they will not let me close my account. Paypal although saying they would work with us, did not, and kept hounding us relative to the debt that was in dispute until they decided to turn it over to collections without informing us that was what was going to happen. I balanced the account, now they won't let me close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: MI

Complaint narrative:
NY HESC failed to respond to CFPB complaint XXXX. NY HESC failed to comply with DOE directive to provide payment information for school loans they serviced on behalf of the DOE,  specifically for an exhibit XXXX school listed in XXXX XXXX XXXXXXXX ( XXXX ). NY HESC and DOE have been ordered by a federal judge to refund all payments made including tax XXXX and wage garnishments. NY HESC and DOE are in material breech of the settlement and their non-compliance has been reported to XXXX, the law group handling plaintiff concerns, so that appropriate action can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
Upon checking my credit report I have discovered a few fraudulent hard inquiries, the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
This company has been calling repeatedly despite me paying on the debt as I can. I have received up to 4 calls a day, sometimes within minutes of each other. They have also given empty threats of legal action in the past. This Violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 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.

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 2024-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My name was removed off a warranty deed with survivor 's rights by Huntington Bank on a home XXXX XXXX XXXX, Michigan that I set up for XXXX XXXX and her XXXX children. She also held a XXXX XXXX XXXX to the home with survivor 's rights. Huntington Bank gave her a loan without my approval or signature. To secure their loan, they removed my name off the title through the courts, without my knowledge. I see three guilty parties in this chaos of greed, Huntington Bank, their lawyers along with the XXXX XXXX deed holder - XXXX XXXX. These are legal actions with no justice and should carry severe penalties for all parties. The trail of paperwork displays their actions clearly. We have tried contacting Huntington Bank XXXX Department with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: LA

Complaint narrative:
After carefully reviewing my most recent credit report, I noticed that several accounts I have no knowledge of have been added to my credit report. I have included my ID for verification purposes. Here are the accounts and amounts associated with this activity : 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

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 2024-09-26 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: LA

Complaint narrative:
After carefully reviewing my most recent credit report, I noticed that several accounts I have no knowledge of have been added to my credit report. I have included my ID for verification purposes. Here are the accounts and amounts associated with this activity : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''

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 2024-09-26 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: GA

Complaint narrative:
I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: MA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late PAyment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation