vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Complaint for Non-Response to Debt Validation Request Request for Removal of Alleged Debt I am writing to file a formal complaint against Jefferson Capital for failure to provide requested debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I submitted a written request for debt validation to this company on XX/XX/year> after receiving a notice of an alleged debt I do not recognize. Despite my timely request, I have not received any response or verification from the company, and over 30 days have now passed. 

Under the FDCPA, I have the right to receive written verification of any alleged debt, including the amount owed, the name of the original creditor, and an explanation of the basis for the debt. The failure of Jefferson Capital to respond violates federal consumer protection laws, as they are legally obligated to cease all collection activities until proper verification is provided. 

Due to the companys failure to comply with my validation request within a reasonable timeframe, I am requesting that the Consumer Financial Protection Bureau take action to have this alleged debt removed from my records, as no documentation of its legitimacy has been provided. Furthermore, I request that Jefferson Capital cease all collection activities related to this matter. 

Thank you for your attention to this complaint. I am prepared to provide copies of my written validation request and any other relevant documentation to assist in the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been 101 days after my initial dispute submitted on XX/XX/year>, and the credit bureaus still haven't taken any action. I have a legal right to dispute inaccurate items on my credit report, and by law, the bureaus are required to comply and address these errors. Their inaction not only goes against the Fair Credit Reporting Act, but it also continues to negatively impact my financial well-being. I have repeatedly sent documentation, and yet Im seeing no compliance or correction on their part. This delay and disregard are unacceptable and a clear failure to fulfill their responsibilities. 

XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last activity date. UPDATE TO NEVER LATE. 

XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last reported date. UPDATE TO NEVER LATE. 

XXXX - XXXX - Unverified account, incorrect account type, incorrect high balance, incorrect account rating, incorrect limit, incorrect payment history. PLEASE DELETE. 

XXXX XXXX - XXXX - Unverified account, incorrect high balance, incorrect last activity date, incorrect last reported date. PLEASE DELETE. 

XXXX - XXXX - Unverified account, incorrect high balance, incorrect account rating, incorrect payment history, incorrect date of last activity, incorrect last reported date, incorrect date of last payment. PLEASE DELETE. 

XXXX - XXXX - Unverified account, incorrect high balance, incorrect account rating, incorrect limit, incorrect date of last activity, incorrect payment history. PLEASE DELETE. 

I am attaching all the letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a complaint regarding Transunions failure to verify the debt or correct the many errors on my credit report. This is unacceptable. I initially disputed these items over 100 days ago with a letter sent on XX/XX/year>, and I have sent additional letters since then with all required identification and address documentation included each time : photo ID, Social Security card, and a utility bill. They still have not verified or updated the errors, nor have they deleted any incorrect information as required by law. The Fair Credit Reporting Act mandates that, in cases where documentation is provided, unverified items must be corrected or deleted. At this point, Transunions failure to act violates these protections, and I am left with errors that negatively impact my credit profile. 

Below are the specific accounts and errors that remain unaddressed : XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect last activity date, incorrect payment history. UPDATE TO NEVER LATE. 
XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect last activity date, incorrect payment history. UPDATE TO NEVER LATE. 
XXXX XXXX XXXXXXXX : Unverified, high balance and credit limit incorrect, date of last payment incorrect. UPDATE TO NEVER LATE. 
XXXX XXXX XXXXXXXX : Unverified, incorrect high balance, last reported date incorrect, incorrect payment history. UPDATE TO NEVER LATE. 
XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect high balance, incorrect date of last payment. UPDATE TO NEVER LATE. 
XXXX - XXXX : Unverified, incorrect high balance, date of last payment incorrect, incorrect payment history. PLEASE DELETE. 
XXXX  - multiple accounts : Unverified, incorrect payment history. UPDATE TO NEVER LATE. 

I am attaching the 5 letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.

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 2024-11-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B 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 innacurate and false information consists 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 2024-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
Since XX/XX/year>, I have been seeking to transfer funds from my trading account with Blockchain.com , Inc. to my XXXX XXXX, as described on their website. Despite repeated attempts to engage with their support team over this period, my issue remains unresolved, with each response merely indicating that my concern is being worked on, without any substantive action taken. 

Furthermore, my trading account has been frozen due to my citizenship in the XXXX XXXX XXXX. I was informed that I could verify my residence in another jurisdiction by providing documentation for a bank account from an eligible country. I possess a bank account in XXXX XXXX, which should satisfy this criterion. However, despite multiple requests and the provision of this information, I have received no further response. 

I respectfully request prompt resolution of these issues to allow me access to my funds and account functionality. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I received {$500.00} from a buyer on XX/XX/XXXX to my PayPal wallet but PayPal limited my account and they do not respond to my request to help withdraw money or help make a refund and they simply ignored and did not answer the questions I asked more than once. I ask you to take action because this looks like fraud, illegal retention of my money and refusal to return money to the buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MA

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 2024-11-05 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: PA

Complaint narrative:
I am requesting your assistance with the incorrect account being reported on my credit report. This issue has harmed my reputation as a customer, and I need your help. I want these accounts removed due to their false and negative reporting.

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 2024-11-05 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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Due to XXXX XXXX and identify theft i have several bank accounts on my consumer report with fraudulent activity that effects me opening up bank accounts, i submitted documents to early warning services to dispute these accounts, early warning send me a letter stating the accounts are blocked but its still hindering me from opening up bank accounts, i want these accounts deleted and removed from my consumer report .The Fair Credit Reporting Act ( FCRA ) of 2021 prohibits credit reporting agencies ( CRAs ) from including negative information on a credit report if it was a result of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/1995 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 



Transworld System Inc. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX To whom this may concern : This letter is in response to the collection that is on my credit. 

You claim that I owe debt in the amount of {$560.00} to XXXX XXXX XXXX XXXX, account number XXXX. 

According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect.

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law. 

If you do not cease communication a lawsuit will be commenced against you. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX consumer report. I have identified several inaccuracies that need your immediate attention and resolution. I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. 

Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : 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 2024-11-05 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : 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 2024-11-05 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: OH

Complaint narrative:
I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX  {$4900.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$720.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$190.00} Date Opened XX/XX/XXXXXXXX XXXX Balance {$270.00} Date Opened XX/XX/XXXX **Bankruptcy** -- This bankruptcy is past the statue of limitations and needs to be removed asap!! according to FCRA USC! 5 1681li ( a ) XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX 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