vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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.

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 explanation
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
Experian has once again failed to do its job, and Im beyond frustrated with their blatant disregard for accuracy. They are falsely reporting incorrect information on my XXXX XXXXXXXX XXXX account ( Account # XXXX ), and I am done tolerating this negligence. Experian is the only credit bureau misreporting my payment status as Paid, was past due 30 days two or three times, while XXXX and XXXX both have it correct as Paid or Paying as Agreed. How does that even happen? If the other bureaus can report the truth, why is Experian the only one making this mistake? To make matters worse, Experian is falsely listing late payments for XXXX and XX/XX/year>, which are completely inaccurate. This isnt just a small errorthis is reckless and unacceptable. 15 USC 1681e ( b ) explicitly requires Experian to ensure maximum possible accuracy, but they have completely failed to do so. At this point, its either gross incompetence or deliberate noncompliance with federal law. Under 15 USC 1681i, I am formally disputing these errors, and Experian is legally obligated to conduct a proper reinvestigation and correct this misinformation immediately. If Experian refuses to do so, they will be in direct violation of the Fair Credit Reporting Act, making them legally responsible for the damage they are causing to my credit profile. I demand immediate correction of these errors and written confirmation once the corrections have been made. If Experian continues to ignore my rights and allows this false reporting to remain, they will face the consequences of their actions. I will not accept delays, excuses, or incompetencethis needs to be fixed NOW.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
DEPTEDXXXX XXXXXXXX DPEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Loan established with XXXX XXXX For vehicle : XXXX on XX/XX/XXXX for an original balance of {$16000.00} The first Payment due XX/XX/XXXX of {$390.00} is made early on XX/XX/XXXX via mobile app. Pausing auto pay features. XXXX XXXX then proceeds to withdraw on the XXXX due to the time window, causing XXXX  XXXX  to duplicate the payment that was already received for the account. As the consumer, I reached out to the XXXX XXXX  team to fix the issue, was informed that the payment was a system error. ( FIRST MISTAKE ) following this event XXXX XXXX inaccurately reported a balance to, XXXX, XXXX, of {$14000.00}. 
Following this issue XXXX XXXX reported increases of the balance by an additional {$1100.00} to {$15000.00} ( also an inaccurate Balance ) Reaching out to fix these system errors I am told my only option for their inaccurate reporting is to file a dispute with XXXX XXXX with no security of this issue not recurring. Following this issue there is an additional Balance Increase reported XX/XX/XXXX via XXXX, XXXX, from {$15000.00} to {$16000.00}. 
These negligent reporting acts have decreased my credit from XXXX to XXXX in a matter of XXXX  days. 
The current Balance for account ( XXXX ) is {$15000.00} as of XX/XX/XXXX which is NOT CURRENTLY REPORTED TO CREDIT FILES. 
Each month has been a BALANCE INCREASE reported, while payments have been made on : XX/XX/XXXX - {$390.00} XXXX {$390.00} XXXX {$390.00} Interest charges : XX/XX/XXXX - {$140.00} XXXX {$40.00} XXXX {$54.00} XXXX XXXX {$390.00} ( error by XXXX XXXX XXXX  XXXX {$96.00} XXXX {$180.00} False Reporting/ INNACURATE REPORTING/ NEGLIGENT WITH CONFIDENTIAL INFORMATION/ INACCURATE CURRENT REPORTED ACCOUNT BALANCE

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 2025-02-24 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. I'm now requesting ou investigate this account and update these payments to paid on tim mmediately. Thank you for your understanding and prompt action.

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 2025-02-24 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. I'm now requesting ou investigate this account and update these payments to paid on tim mmediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Today I just so happened to look over my credit and I noticed multiple FCRA violations but specifically these erroneous late payments. You all must have your files mixed up because the information isnt correct. Are you all checking behind these debt collectors like you are supposed to or are you just reporting whatever? Please erase these erroneous late payments immediately! 

XXXX XXXXXXXX XXXX Was NOT late on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
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 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 2025-02-24 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: GA

Complaint narrative:
After reviewing my credit report, I found several accounts with inaccurate information. Some show incorrect balances, late payments I never made, or statuses that do not reflect my actual financial history. These errors are misleading and unfairly damaging my credit profile.

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 2025-02-24 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IN

Complaint narrative:
On XXXX XXXX at approximately XXXX I called into XXXX XXXX to have myself removed from a charged off account that is reporting on my credit history. The representative confirmed that I am in fact listed as an authorized user and my husband is the primary account holder. The representative stated that this happens to be the only instance where they can not they can not remove an authorized user from an account after it has been charged off. There was no other option provided. I have researched on my own that this is untrue and unethical. This continues to damage my credit and I am not responsible for this 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 2025-02-24 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: IN

Complaint narrative:
On XXXX XXXX at approximately XXXX I called into XXXX XXXX to have myself removed from a charged off account that is reporting on my credit history. The representative confirmed that I am in fact listed as an authorized user and my husband is the primary account holder. The representative stated that this happens to be the only instance where they can not they can not remove an authorized user from an account after it has been charged off. There was no other option provided. I have researched on my own that this is untrue and unethical. This continues to damage my credit and I am not responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: IN

Complaint narrative:
On XXXX XXXX at approximately XXXX I called into XXXX XXXX to have myself removed from a charged off account that is reporting on my credit history. The representative confirmed that I am in fact listed as an authorized user and my husband is the primary account holder. The representative stated that this happens to be the only instance where they can not they can not remove an authorized user from an account after it has been charged off. There was no other option provided. I have researched on my own that this is untrue and unethical. This continues to damage my credit and I am not responsible for this 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit reports.Also the creditors are in violation thats on my all three credit reports those companies are harassing me daily! Day and night!

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 2025-02-24 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiryhave been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft.Dispute and remove following inquiry 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 2025-02-24 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: FL

Complaint narrative:
I DONT RECOGNIZE THIS ADDRESS PLEASE REMOVE IT, THANK YOU. 

XXXXXXXX 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

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Subject : Formal Complaint Against PayPal for Unjustified Holding of Funds Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against PayPal for holding my savings for 120 days without providing a clear or lawful explanation. Despite my repeated attempts to seek clarification, PayPal has failed to provide any specific laws, policies, or reasons justifying their actions. 
On XXXXXXXX XXXX XXXX XXXX  I received a notification from PayPal ( attached for reference ) stating that they are unable to continue processing payments for my account due to " activity that we can not support. '' The email cited vague reasons such as " local laws, our policies, or the policies of our partner banks and card networks '' but did not specify which laws or policies were violated or how my account activity violated them. 
When I contacted PayPals customer service to seek clarification, the representatives were unable to provide any concrete information or legal basis for holding my funds. This lack of transparency and accountability is unacceptable, especially when it involves the withholding of my personal savings. 
PayPal has restricted most of my account features and is holding my funds for up to 120 days, claiming it is to " cover things like chargebacks or other financial liabilities. '' However, they have not provided any evidence or justification for such actions. This has caused significant financial hardship and distress, as I am unable to access my own money for an extended period without any valid explanation.

I believe PayPals actions may violate consumer protection laws and regulations, including but not limited to : 1. The Electronic Fund Transfer Act ( EFTA ), which protects consumers from unauthorized holds on their funds.

2. The Consumer Financial Protection Act, which prohibits unfair, deceptive, or abusive acts and practices. 
I am requesting the CFPBs assistance in : 1. Investigating PayPals actions and determining whether they have violated any consumer protection laws.

2. Requiring PayPal to provide a clear and lawful explanation for holding my funds.

3. Ensuring that PayPal releases my funds immediately if no valid justification exists.

I have attached a copy of the email I received from PayPal for your reference. Please let me know if you require any additional information or documentation to assist with this matter. 
Thank you for your attention to this issue. I look forward to your prompt response and resolution. 

Sincerely,

Company response to consumer: Closed with explanation