vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I was informed that my XXXX minor daughter was served papers indicating that, I am being sued. 
Upon reviewing the validation of debt included in the packet, I noticed there was an address that I have never resided at and have no knowledge of the address. I then contacted the debt collection agency that is suing me to inform them that I had no knowledge of this debt prior to receiving the court summons because I never lived at that address they started collection practices and wasnt given proper time to ask for debt validation, report identity theft, contact credit bureaus and/or take other actions due to the fraudulent information being reported to avoid a lawsuit for debt that isnt mine. The representative said they would send a fraud packet but wouldnt stop collection on several fraudulent accounts in their office the agent informed me of. I have sent letters within the last 30 days to every account that is listed on my credit report connected to this address that is a result of identity theft. I have also sent letters o the credit bureau asking them to stop reporting incorrect information on my credit file because it was causing my family and I a hardship. 
I also do not owe this debt collection agency these debts, I never signed a contract with the creditors nor the debt collection agency as well as it is reporting on my credit file twice as charged off by original creditors as well a second time by this debt collection agency under three different names for each debt they said I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I accepted a 30 day trial of a service that I did not use. I attempted to cancel the service before the trial period ended. The were no instructions, buttons, paths, banners or visual queues to end the service. I emailed the support service, but never received a response. My account was charged for a full membership of XXXX {$100.00}. I again attempted to locate a path to close my account and request a refund. No such path was available to me. I emailed the customer service, never received a response. I contacted Paypal for to request a refund by filling a dispute. Less than 10 days later I received notice that my dispute claim was denied. There is no information regarding the investigation or how the merchant was contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TN

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported 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 21 days before the payment due date.

TransUnion 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!

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 non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company is reporting inaccurate information to XXXX XXXX and Experian. By law reporting should be accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Company is reporting inaccurate information to XXXX XXXX and XXXX. By law reporting should be accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: DE

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
On the months of XX/XX/year> and XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX has reported late payments to my consumer credit report without my written permission and refused to remove it when I informed them about it. In accordance with the Fair Credit Reporting Act XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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:
On the months of XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX has reported late payments to my consumer credit report without my written permission and refused to remove it when I informed them about it. In accordance with the Fair Credit Reporting Act XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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:
On the months of XX/XX/year> and XXXX XXXX XXXX XXXX XXXX XXXX has reported late payments to my consumer credit report without my written permission and refused to remove it when I informed them about it. In accordance with the Fair Credit Reporting Act XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 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 2024-09-10 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: NY

Complaint narrative:
I kindly implore you to swiftly 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 2024-09-10 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account listed below, which I believe is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Charge-Off According to the FCRA, you are required to ensure the accuracy and completeness of the information provided on credit reports. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must investigate the disputed information. 

I am requesting that you conduct a thorough investigation of this charge-off account to verify its accuracy. I believe that the information reported may be incorrect due to fraud and this account is not mine and need to be removed from my credit report In accordance with Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you : Investigate the disputed charge-off account with XXXX XXXX XXXX XXXX XXXX 
Verify the accuracy of the reported information. 
Correct or remove any inaccuracies found during your investigation. 
Provide me with written confirmation of the results of your investigation. 
Please complete this investigation within the 30-day period stipulated by the FCRA. If you determine that the information is inaccurate, I request that you promptly update my credit report to reflect the accurate information and send me a revised copy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account listed below, which I believe is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Charge-Off According to the FCRA, you are required to ensure the accuracy and completeness of the information provided on credit reports. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must investigate the disputed information.

I am requesting that you conduct a thorough investigation of this charge-off account to verify its accuracy. I believe that the information reported may be incorrect due to fraud and this account is not mine and need to be removed from my credit report In accordance with Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you : Investigate the disputed charge-off account with XXXX XXXX XXXX XXXX XXXX 
Verify the accuracy of the reported information. 
Correct or remove any inaccuracies found during your investigation. 
Provide me with written confirmation of the results of your investigation. 
Please complete this investigation within the 30-day period stipulated by the FCRA. If you determine that the information is inaccurate, I request that you promptly update my credit report to reflect the accurate information and send me a revised copy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MD

Complaint narrative:
I recently checked my credit report and noticed an account that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account was opened to assist my family during the pandemic. I faulted on the loan due to lack of work. I contacted the company I was informed the account would be closed however they never closed the account and reported it late for 4 years. I settled the account with the company and the account was finally closed however the account is list as currently delinquent. This is hurting my ability to purchase my first home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
The account was opened to assist my family during the pandemic. I faulted on the loan due to lack of work. I contacted the company I was informed the account would be closed however they never closed the account and reported it late for 4 years. I settled the account with the company and the account was finally closed however the account is list as currently delinquent. This is hurting my ability to purchase my first home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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:
The account was opened to assist my family during the pandemic. I faulted on the loan due to lack of work. I contacted the company I was informed the account would be closed however they never closed the account and reported it late for 4 years. I settled the account with the company and the account was finally closed however the account is list as currently delinquent. This is hurting my ability to purchase my first home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently viewed the latest copy of my consumer credit report and noticed several unauthorized inquiries on my report. Attached you will find a copy of my FTC report indicating my complaint, which includes all unauthorized inquiries as well as those mentioned in my personal statement section. I have contacted all 3 credit reporting agencies and they refuse to investigate or remove these items. I am requesting that all of these items be removed. 


15 USC 1681b ( c ) : Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.

( 3 ) Information regarding inquiries : Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the 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