vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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 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 those account 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 XXXX  days before the payment due date.

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 XXXX 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 2024-07-31 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX.15  U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX  XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
They have frozen my account and will not allow me to access my money, I submitted my Id like they asked, they told me that they werent sure why my account was flagged cause they didnt see a reason for it but it was flagged and they refuse to allow me to access my money. I just recently had a XXXX and am suing for medical malpractice and that is where my funds in this account came from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I received an email from XXXX that a line of credit has been open and is deliquiate from FNBO which I do not do business with. I contacted XXXX and they requested that I submit a complaint through the FTC

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 2024-07-31 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2024-07-31 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: U.S. BANCORP
State: CA

Complaint narrative:
I decided to purchase few homes in the state of California and before I do that I had purchased a brand-new set of my credit report from XXXX that got me so disappointed to find out that I am a victim of identity theft. Apparently, someone is unknown to me had somehow found my personal information changed my address and phone number and got themselves a credit card from XXXX XXXX. Since I am not aware of this account the account got charged off or for about {$200.00}. And if you look at my credit report all my credit cards limit are above {$10000.00} - {$20000.00} credit limit with outstanding payment history for over 20 years. And I requested Elan Financial services to XXXX ) Close this account and remove from credit report agencies because it is a fraud account. XXXX ) I did police report see attached. XXXX ) I did identity theft report copy attached XXXX ) I requested XXXX XXXX to give me investigation report and XXXX XXXX refused to do that, XXXX ) XXXX XXXX refused to give me Physical address in the State of California and Registered Agent in the State of California and the tel number to sue Elan Financial Services in XXXX XXXX California and XXXX XXXX refused to do that and that is illegal reporting on me to credit agencies and XXXX XXXX is obstructing justice for now allowing me to sue them in the State of California. I demand XXXX XXXX to be forced to give me the physical address and California and registered agent in California and the tel number in California to allow me to sue them for destroying my life. Elan Financial Services is hiding illegally with po box address in outside California to prevent to be sued for reporting this illegal fraud report on 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 non-monetary relief
Consumer complaint received 2024-07-31 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORT I NOTICES ACCOUNTS THAT WERE NOT MINE.

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 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: DE

Complaint narrative:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO NATIONAL RECOVERY. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

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 2024-07-31 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2024-07-31 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: WI

Complaint narrative:
THESE ARE NOT MINE, I DO NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY OF THESE.

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 2024-07-31 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 urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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 2024-07-31 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Reporting how abusive Credit acceptance is when I get calls every day, and I have told them stop calling if I'm not going to be help. My truck was stolen and they got notified and they keep charging me for the truck. I was offered to settle the XXXX that got stolen for {$3000.00} dollars but they won't remove me from the credit reports. Also I haven threaten if I don't pay they are going to take me to court and I get different people calling me and very rude. I have try to work with credit acceptance. I ask to take me of the credit reports and they don't want to. It's hard to work with them. It's stressful to see they won't help and credit beurous won't remove it. Credit acceptance reports me every month as a late payment to the beurous and they were notified by phone and police report was sent by mail to them and I ask them to use the gap insurance and they told me they were going to let me know and they XXXX did so I called back and my gap insurance was expired and I was never notified by mail or phone. I feel Credit acceptance did this on purpose and I think they repo my truck again and they want me to pay the remaining balance of around {$15.00}, XXXX because it's funny I send them the police report y mail like I was instructed by credit acceptance and they never told me if the received it. And later my gap insurance was expired. And now they offer me a less amount. I ask them to please take me of the credit beurous and nothing and it'd hurting my credit scores. I have send my information to XXXX XXXX, XXXX to please remove this late payments reports and I send them the same information as credit acceptance and they have done nothing. This is hurting me to get a house a roof for 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 2024-07-31 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: CA

Complaint narrative:
Im filing a complaint against Equifax again because they have put back the five fraudulent hard inquiries and fraudulent addresses on my credit report. When I called Equifax and asked them why they put the fraudulent hard inquiries and fraudulent addresses back on my credit report, they could not answer my question. I sent a letter to Equifax last year, including my police report, drivers license, Social Security card, and mortgage bill. I have never lived in Texas, yet they put it back on my credit report. They even put my lawyers address on my credit report. I will be reporting Equifax to the California State Attorneys Office and the Federal Trade Commission, and I will contact my lawyer about this issue. Equifax needs to fix this immediately, as it is affecting my credit report. I'm a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: NY

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: Nelnet, Inc.
State: CA

Complaint narrative:
I paid off my loans to Great Lakes on XX/XX/XXXX in the amount of XXXX. I requested a refund for this amount on XX/XX/XXXX due to the XXXX act. Under the XXXX XXXX, anyone who had paid off XXXX or less in loans could get their loans reimbursed. I was promised a refund check from Great Lakes that I never received. XXXX bought out Great Lakes and never let me know that my loans were reinstated until I found out about it in XX/XX/XXXX. Since then, I have been accruing interest. Netlnet is refusing to send me another refund check because they claim that XXXX, my bank at the time, accepted their check. However, I had closed my XXXX account in XXXX and it would have been impossible for them to get a check from Nelnet in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I wrongly transferred ( XXXX ) {$3500.00} to wrong recipient, I immediately called the bank and reported the mistake. Bank said they will investigate and get back with me. I also texted the recipient and told XXXX that I made a transferred by mistake, he/she replied that he/she will return it back so I know for sure that he/she still has my money in his/her account. Today, XX/XX/year> bank told that they won't return my money because the recipient refused to return my money. XXXX message the recipient again today and beg to return my money, hopefully will reply. 

I worked really hard for that money to use for my upcoming XXXX. XXXX CFPB can help me get my XXXX money back. I am XXXX XXXX XXXX! 

Thank you and XXXX Bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
according to XXXX of the fcra a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX blocking of information resulting from identity theft. I filed ftc report and sent a written statement explaining that these transaction weren't related to me in any way as the consumer. that I've never received money or general goods but yet they've failed to properly investigate and verified the erroneous accounts from their failure to properly re-investigate these claim.

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 2024-07-31 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
On XX/XX/year> CREDIT COLLECTION SERVIC opened a collection of {$160.00} I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and I have not written any consent from my end. 

They also have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureus. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation