vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Medical Collection Account To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of a medical collection account on my Equifax credit report. Under recent regulatory changes supported by the XXXX XXXX, medical debt is no longer to be reported on consumer credit reports. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. 

The details of the disputed account are as follows : Collection Agency Name : XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681s-2, information reported to consumer reporting agencies must be accurate and verifiable. Since medical collections should no longer be reported under the recent federal guidelines, this account is being inaccurately and unlawfully reported on my Equifax credit file.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am exercising my rights to refuse payment on this account, as it is not legally reportable under current consumer protection regulations. Given this, I formally demand : Immediate and Permanent Deletion This account must be removed from my Equifax credit report as it is in violation of federal consumer protection laws.

Written Confirmation I request written confirmation that this account has been deleted from my Equifax credit report and will not reappear in the future.

Cessation of Collection Activities As this debt is not legally collectible, any further attempts to collect on it will be considered a direct violation of my consumer rights.

If this issue is not resolved within 30 days, as required by the FCRA, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Department of Health and Human Services ( HHS ) for failure to comply with consumer protection laws. 

I trust Equifax will take immediate corrective action to ensure compliance with the law. Please provide confirmation in writing once this matter has been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MO

Complaint narrative:
I need these things removed because it is effecting my credit history and it doesnt look good on my report they are all incorrect

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 2025-02-04 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: MO

Complaint narrative:
I need these things removed because it is effecting my credit history and it doesnt look good on my report they are all incorrect

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I'm writing to dispute the fraudelent accounts on my Experian credit report, which I believe violate several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ). 

These accounts were reported as charge offs : XXXX - {$4700.00} no response XXXX XXXX XXXX $ XXXX-no response XXXX XXXXe- $ XXXX no response XXXX XXXX $ XXXX response Furthermore as for Law 605B, these fraudelent accounts should be eliminated from my credit report. I request that these items be removed in 30 days of this letter as mandated by FCRA.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
I have been contacting western union about a refund for a money order that was lost from my apartment complex, they gave me a tracking number, but everytime I try and get a refund from a eligible location, they arent able to do it. I have been trying since XXXX, but today I called and the guy stated that its been past the 90 days and that they wont give me my refund even though he told me the refund is still on their end. Ive asked for a check in the mail for this refund after I couldnt cash it out at their locations and they told me because I asked to go to their location, they cant send me a check. Ive been trying for months and every answer is different. The refund is for {$30.00} and its been impossible for me to gain access to my money because of these inconveniences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$310.00} through PayPal to XXXX XXXX for a purchase. I mistakenly selected the Friends and Family option instead of XXXX and XXXX, not realizing that this would void any buyer protection. PayPal did not clearly inform me at the time of the transaction that this selection would leave me without dispute rights if the seller failed to deliver the item. 

When I did not receive the purchased item, I opened a dispute with PayPal on XX/XX/year>, reporting that I had been scammed. PayPal then notified the seller and later denied my claim, stating that Friends and Family payments are not covered under XXXX XXXX. 

Following this, I contacted PayPal again, and they advised me to dispute the charge with my card issuer, XXXX XXXX stating that only XXXX had the authority to resolve the matter. Based on this guidance, I filed a dispute with XXXX on XX/XX/year> under the claim that I had not received my item. 

On XX/XX/year>, XXXX denied my dispute and ruled in favor of the seller. When I returned to PayPal seeking further resolution, they refused to take any responsibility, stating that they could not investigate further because I had filed a chargeback with my bank. Essentially, PayPal directed me to XXXX, but when XXXX ruled against me, PayPal refused to assist any further. 

Throughout this process, I have been given conflicting and misleading information, leaving me without a resolution. PayPal failed to properly inform me of the risks of using Friends and Family for a purchase and then misled me into pursuing a chargeback that ultimately resulted in a complete loss of my funds. Now, PayPal suggests I contact the Internet Crime Complaint Center ( IC3 ), which is not an appropriate resolution for a consumer dispute they could have prevented.

I am requesting that PayPal reopen my case and issue a refund or provide an alternative resolution, as their misleading guidance and lack of transparency directly contributed to my financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the following AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 Section A explicitly states that authorized users are not responsible for the debts of other users on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: 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 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 2025-02-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXX closed my account. Paid in full. Because I understand added interest would be charged at a later date I made sure that it would be my last payment and everything was included, no extra interest rates would be added. 

I received a letter saying my I owed {$120.00}. I was traveling and didn't see the letter till the end of Jan.The letter was dated XXXX. 

XXXX I received an email saying I was delinquent on my payment of {$86.00}. I responded to both letter and email with a call on XXXX asking for a explanation of why I was charged and why the amounts were different. They said they could not write that letter only another letter of which I already had.I also responded to the email from jeoffrey Begin ( spelled with a underscore j ) and asked the same question. No response. 

I received another email XXXX threatening to report the delinquency of my card. This time the amount was {$160.00}. I call and could not talk to a manager or anyone other than the representative that answered and she also said she could not send and explanation. 

I am requesting an explaination which I think I am owed.

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 2025-02-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( s ) are as follows : Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, 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 explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( s ) are as follows : Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
They indicated they brought the debt from another company I stated it wasn't my debt

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$43000.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$820.00}

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Formal Complaint Against Southwest Credit Systems for Inaccurate Credit Reporting Dear CFPB Complaint Department, I am filing a formal complaint against Southwest Credit Systems, which is reporting incorrect information on my XXXX credit report. Despite my efforts to resolve this issue directly, the inaccuracy remains and is unfairly affecting my credit. 

The specific issue relates to an account reported under Southwest Credit Systems ( original creditor : XXXX XXXX ). The original balance of this account was {$150.00}, yet the current balance is inaccurately listed as {$270.00}, an unexplained increase. Additionally, there is no payment history displayed, making it unclear how this amount was calculated. 

I am formally disputing this information for the following reasons : 1. The reported balance increase is unverified and unjustified. I have not been provided any documentation proving how the balance grew from {$150.00} to {$270.00}.

2. There is no payment history available, which raises concerns about whether Southwest Credit Systems is reporting this account accurately.

3. The Fair Credit Reporting Act ( FCRA ) requires that only accurate and verifiable information be reported. Since Southwest Credit Systems has not provided validation, this account should be corrected or removed. 

I am requesting that the CFPB investigate this issue, require Southwest Credit Systems to provide full validation of the debt, and correct or remove the inaccurate information from my credit report. 

I have attached supporting documents, including a copy of my XXXX credit report, with the disputed account highlighted for reference. 

I appreciate your time and attention to this matter and look forward to your response. Please let me know if you require any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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.

Complaint narrative:
EQUIFAX 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. 
EXPERIAN 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. 
TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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