vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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:
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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
Affirm is a very predatory company that is destroying my credit. Affirm setup my account on a monthly basis for automatic payment withdraws for multiple payment methods on fail. Affirm failed to withdraw my payments and marked 3 accounts as late dropping my score XXXX points. Two of the accounts were a result of my information being used which affirm refused to remove so I continued paying them to save my credit. My credit file has all types of inaccuracies from affirm that they failed to fix and continue to refuse to fix. According to 15 USC 1681 ( e ) ( b ) they are legally obligated and required to make sure that they are fairly reporting credit without inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX  XXXX  LETTER TO DEBT COLLECTOR XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : XXXX  Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX XXXX. Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this trafficking and should be blocked immediately. 

Accounts to be Blocked : XXXX XXXX XXXX XXXX  Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Proof of identity XXXX  documentation ( from a federal, state, local, or tribal governmental entity )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Wife went to store to buy groceries for us and our children and her card didn't work. Went onto bank account and there were no cards on file. Called the bank and they have informed me they closed my account but will not provide information as to why and will not allow me to have access to the money I had in it before they closed it. I need to be able to pay my rent and feed my children.

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 monetary relief
Consumer complaint received 2024-09-20 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: WA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-09-20 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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:
I'm submitting a complaint about late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent letters about this issue over 30 days ago, but I've received no response or satisfactory validation. I'm requesting your help to resolve this issue quickly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally demand the immediate release of {$26000.00} that PayPal is fraudulently withholding from my company, XXXX XXXX, associated with the email XXXX. These funds are directly tied to services that have been fully rendered to customers, and there is absolutely no justification for the continued withholding of this substantial amount. 

PayPals refusal to release these funds is causing severe harm to our business and the livelihood of our employees, who rely on these payments to sustain themselves. This withholding is not only damaging the financial health of our company but is also an unconscionable breach of trust, as PayPal appears to be exploiting our funds for its own gain. 

I am confident that PayPal has accumulated interest on the withheld funds and has likely loaned or used these funds for its own benefit while unlawfully preventing access to what rightfully belongs to XXXX XXXX. These actions are unacceptable, unethical, and potentially illegal. The delay in releasing our funds is fraudulent and clearly demonstrates bad faith on XXXX part. 

I demand that the full amount of {$26000.00} be released immediately. Failure to do so will leave us with no choice but to pursue all available legal remedies to recover the funds and hold PayPal accountable for the financial harm and damages caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
CREDIT REPORTING AGENCY Equifax received my certified mail letter dated XX/XX/2024 on XX/XX/2024 requesting their specific method of verification for 5 items on my credit profile including : XXXX  of XXXX, XXXX XXXX Bank , XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX . It has now been 24 days since receiving my request and THEY HAVE FAILED TO provide me with a response as required per FCRA 15 USC 1681 ( a ) ( 7 ) which states that if a consumer request the " description of the procedure used to determine the accuracy and completeness of the information, ( i.e. the method of verification ), the credit reporting agency must respond to the consumer in within 15 days of receiving the request. XXXX HAS FAILED TO ABIDE BY THIS LAW. Please remove all 5 above listed items from my consumer report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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:
My rights enacted by the FCRA, FCBA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

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 2024-09-20 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-20 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: MO

Complaint narrative:
The late payments listed do not align with my regular payment habits.

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 2024-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
My complaint is regarding MediCredit, the debt collector for XXXX XXXX, where I received medical attention on XXXX occasions last year. Initially, I started making payments directly to XXXX XXXX, but they later transferred my debt to MediCredit. 

First, I did not receive any document from MediCredit explaining the amounts of the debt. They only called me, informing me that I owed money to XXXX XXXX and that I needed to pay. They contacted me multiple times, and each time I requested that they send me a bill via email, but they refused, saying they were not allowed to send information via email or mail. As a result, I did not know how much I owed. 

When I reached out to XXXX XXXX, they informed me about the outstanding amounts but instructed me to contact MediCredit for payments. I proceeded to make several payments to MediCredit, but they never sent me any receipts to confirm these payments. The only receipt I received was for the most recent payment made today, XX/XX/XXXX, for {$430.00}. Prior to that, I also paid {$470.00} on XX/XX/XXXX, but again, I received no confirmation of this payment. 

I kindly request that MediCredit provide me with a clearance letter ( " paz y salvo '' ) and proof of all payments I have made to them. Every time I call, I am attended by a lady named XXXX, but she does not provide accurate information, becomes upset, and fails to explain things clearly. 

As far as I understand, the accounts I had pending with XXXX XXXX, which I have now paid, are : XXXX, XXXX, and XXXX for XXXX services on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, I made payments directly to XXXX XXXX in the following amounts : {$75.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX. 

I am requesting the following : That MediCredit issue me a clearance letter and stop calling me. 
That MediCredit and XXXX XXXX verify whether the amounts I paid directly to XXXX XXXX were accounted for and deducted from the total I was charged by MediCredit, refund me if it applies. 
That XXXX XXXX issue me a clearance letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received a phone call on XX/XX/year> around XXXX pm from " XXXX XXXX '' stating she was in Bank of America XXXX department and asked if I authorized {$600.00} ( ish ) to another person. I said no and she said that my information has been part of a scam and transferred me to " Consumer Affairs ''. 
I then spoke with " XXXX XXXX '' and he explained that I had " red flags '' on my credit report and that I qualified for debt settlement program under " Fair credit Reporting Act '' because of my age and good credit, regular payments and no bankruptcy. He stated I should not be charged more than XXXX % interest. 
He named XXXX of my active credit cards ( without me telling him ) and knew all the information on my credit report such as XXXX XXXX etc. 
He requested XXXX of my credit card numbers, exp date, cvc code, and ss number. 
XXXX. XXXX card XXXX XXXX XXXX XXXX cards XXXX. XXXX I provided all of the information to them. 
They said that they would charge the XXXX card as part of the resolution {$7900.00}. 
I was instructed not to use my cards and they would close out and they would send me a " XXXX '' credit card for use : limit $ XXXX, at XXXX XXXX for XXXX months. 
He said that I was approved and would get within XXXX business days and guaranteed XXXX XXXX reduction on my debt. 
I was then " transferred '' to " XXXX XXXX '' a " senior advisor '' from debt relief solutions department. He went over all of the information and transferred me to the " legal '' department to set an appointment on XXXX and I was told that the attorneys would be paid for by the XXXX credit card. 
The line was disconnected during transfer to the XXXX department, and then XXXX came back on the line and advised to hang up and legal department would call back. 
I attempted to call the number given : XXXX ext : XXXX, and no one answered. 
I called again today XX/XX/year> and someone did answer and said it was " consumer affairs '' and would not state the name of the business and became rude when I did not provide my name. I believe that they called themselves Bank of America and XXXX XXXX as company name. 
I cancelled all XXXX credit cards within XXXX hours of this starting and notified FTC today by completing a Fraud Report vs ID theft report? unsure.

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 2024-09-20 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 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. 

Account Name : 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 2024-09-20 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: NY

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. 

Account Name : 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 explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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