vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
My account 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. 

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 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 2024-12-27 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: GA

Complaint narrative:
on XX/XX/year> i sent notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Bankruptcy XXXX that i was OPTING OUT of any credit reporting, and any implied permission was revoked, i also put the credit agencies on notice as well on XX/XX/year> both failed to comply and allowed reporting without my written permission The following references in the FCRA and related laws support my request : 1. **FCRA Section 604 ( a ) ( 3 ) ( F ) : ** This section explicitly allows consumers to opt-out of the inclusion of their information in credit reports.

2. **FCRA Section 623 ( a ) ( 2 ) : ** This section mandates the reporting of accurate and complete information, and I assert my right to control the accuracy of information related to my credit history.

I request that you promptly update your records to reflect my opt-out status and cease any further reporting of my personal information to credit bureaus within 10days of receipt of this notice. I also seek written confirmation of this action, specifying the date by which the cessation of reporting will be completed. Failure to comply will subject you to penalties in accordance with : 1. **USC Title 15 1681n : ** this code outlines the damages the consumer is entitled to in regards Civil Liability for Willful Noncompliance by the data furnisher.

2. **USC Title 15 1681o : ** this code outlines the penalties and definition of the Civil Liability for Negligent Noncompliance .

3. **USC Title 15 6805 : ** this code outlines my right to Enforcement if you fail to follow the instructions and the law.

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 2024-12-27 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: GA

Complaint narrative:
on XX/XX/year> i sent notice to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX Bankruptcy XXXX that i was OPTING OUT of any credit reporting, and any implied permission was revoked, i also put the credit agencies on notice as well on XX/XX/year> both failed to comply and allowed reporting without my written permission The following references in the FCRA and related laws support my request : 1. **FCRA Section 604 ( a ) ( 3 ) ( F ) : ** This section explicitly allows consumers to opt-out of the inclusion of their information in credit reports.

2. **FCRA Section 623 ( a ) ( 2 ) : ** This section mandates the reporting of accurate and complete information, and I assert my right to control the accuracy of information related to my credit history.

I request that you promptly update your records to reflect my opt-out status and cease any further reporting of my personal information to credit bureaus within 10days of receipt of this notice. I also seek written confirmation of this action, specifying the date by which the cessation of reporting will be completed. Failure to comply will subject you to penalties in accordance with : 1. **USC Title 15 1681n : ** this code outlines the damages the consumer is entitled to in regards Civil Liability for Willful Noncompliance by the data furnisher. 
2. **USC Title 15 1681o : ** this code outlines the penalties and definition of the Civil Liability for Negligent Noncompliance .

3. **USC Title 15 6805 : ** this code outlines my right to Enforcement if you fail to follow the instructions and the law.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-12-27 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-27 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: IL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Last year I signed up for experian.com 's premium credit monitoring membership. This year, my membership expired and they attempted to charge my credit card to auto-renew, which is a common practice and I have no concerns.

Where the concerns start is that my card was declined, but they continued to attempt to charge it day after day for more than 2 weeks. At least 15 attempts over the last two weeks. 

What is more concerning is when you log into their app and website, it takes you to a screen to update your payment method, with no option to cancel or decline to update the method. If you scroll down, there is an option to call or snail-mail them ... but even that option is not identified as the only method they will accept to cancel. 

This seems extremely predatory. There should be an obvious option to cancel your membership on their website, in addition to the options to change the payment method. Futhermore, there should be a short window to try to re-process the payment after the card is declined. After a couple of attempts, those attempts should end. Repeated attempts can be a negative financial experience if the card being used issues fines or fees for declined attempts.

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 2024-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MS

Complaint narrative:
I am disputing a collection account reported by JEFFCAPSYS with account # XXXX, a balance of {$1600.00}, and XXXX listed as the original creditor. I have never entered into any agreement with this debt collector or authorized this debt to be reported. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ], a consumer reporting agency can not furnish an account without my written instructions, except under specific circumstances that do not apply here. I request that you provide proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I request the immediate deletion of this account from my credit report. 

Please investigate this matter promptly and provide written confirmation of your findings and any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IA

Complaint narrative:
They told me they would fix everything but I was not seeing results. It was becoming too expensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Third party collection agency attempting to obtain payment of debt that was charged off by XXXX XXXX and cancelled with the issuance of a IRS 1099c filing. This account is no longer valid and can not be reported on my consumer report. It is in violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: AL

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Not no one responded back, to remove bankruptcy off of all credit agencies

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Not no one responded back, to remove bankruptcy off of all credit agencies

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 2024-12-27 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: IL

Complaint narrative:
am writing to formally file a complaint regarding Venmos handling of my account. On XX/XX/year>, I received a payment of {$2500.00} through Venmo. Shortly thereafter, my account was unexpectedly frozen without clear explanation. 

Upon contacting Venmo, I promptly provided all requested details and documentation to resolve the matter. Despite complying with their requests and following up multiple times, my account remains frozen, and I have received no resolution or timeline for when the matter will be addressed. 

This situation has caused significant inconvenience, as I rely on Venmo for financial transactions. I feel that Venmo has acted unfairly by withholding my funds without justification or timely communication. 

I kindly request the Consumer financial protection bureaus assistance in resolving this issue promptly. My primary request is for Venmo to unfreeze my account and restore access to my funds. I am happy to provide additional documentation or evidence related to this case if needed. 

Thank you for your time and support. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
The occurrences of this situation are as follows : 1. We attempted to make the payment for my mortgage for XX/XX/year> through your online payment portal and received confirmation that the payment was accepted. However, we inadvertently entered incorrect banking information into the payment form and the payment was not accepted. 
2. Unfortunately, we were not notified that the payment was not processed until after it was reported as late. We were completely unaware that the payment had not gone through until we received a delinquent notice in the mail.

3. Upon receiving this notice, we immediately took action and made the payment in full to bring the account current.

4. Since then, the mortgage has been fully paid off, and we have no further outstanding balances.

This incorrect reporting of a late payment has caused undue harm, as it has negatively impacted my credit score and is now preventing me from being accepted for another mortgage. I respectfully request that you review the circumstances surrounding the XX/XX/year> payment issue and update my credit report to reflect the accurate payment history. 
Given that the payment was made promptly upon receiving the notice of delinquency and the loan is now paid off, I kindly ask that this erroneous late payment be removed from my credit file.

A call was made to Carrington to receive an update on the processing of the dispute, but none was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: OH

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( Please remove this account before i seek Litigation for defamation of character ) XXXX XXXXXXXX XXXX {$6500.00}

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 2024-12-27 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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