vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Credit Bureaus, I am writing to express my concerns regarding an issue with my credit report. It has come to my attention that there is a negative account appearing on my credit report, which I believe to be in violation of my rights as a consumer. I am disappointed by the way I have been treated by the credit bureaus and I strongly believe that this may be due to discrimination based on my race. 

I understand that many individuals have sent similar letters to request the removal of erroneous accounts from their credit reports and have been treated differently than I have. This is concerning and I believe this is a violation of fair and equal treatment for all consumers. 

Therefore, I kindly request that the negative account in question be removed from my credit report. It is important for me to maintain an accurate and fair credit report, and I trust that the credit bureau will take the necessary steps to rectify this issue. 

I appreciate your prompt attention to this matter and I look forward to a positive resolution. Thank you for your time and assistance. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Credit Bureaus, I am writing to express my concerns regarding an issue with my credit report. It has come to my attention that there is a negative account appearing on my credit report, which I believe to be in violation of my rights as a consumer. I am disappointed by the way I have been treated by the credit bureaus and I strongly believe that this may be due to discrimination based on my race. 

I understand that many individuals have sent similar letters to request the removal of erroneous accounts from their credit reports and have been treated differently than I have. This is concerning and I believe this is a violation of fair and equal treatment for all consumers. 

Therefore, I kindly request that the negative account in question be removed from my credit report. It is important for me to maintain an accurate and fair credit report, and I trust that the credit bureau will take the necessary steps to rectify this issue. 

I appreciate your prompt attention to this matter and I look forward to a positive resolution. Thank you for your time and assistance. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I completed XXXX balance transfer requests with USAA, the first on XX/XX/XXXX for {$5000.00} ( REF # XXXX ), and the second on XX/XX/XXXX for {$25000.00} ( REF # XXXX ). The USAA promotional offer that I could view through the online account while logged in showed I was eligible for XXXX XXXX  interest for XXXX XXXX for a balance transfer fee of XXXX XXXX. The total transferred was {$7500.00} and the fee for that amount was {$220.00}. I was/am being charged interest of XXXX XXXX effective immediately, and the first month 's interest charge was {$73.00} on my XX/XX/XXXX statement. I called USAA to report the issue at noon on XX/XX/XXXX and spoke with XXXX ; Case ID : XXXX. She advised she could not see the promotion and would have a rep from the XXXX XXXXXXXX XXXX XXXXXXXX contact me. At XXXX on XX/XX/XXXX, XXXX XXXX the XXXX XXXX XXXX XXXXXXXX contacted me and I again explained the issue. I noted again the promo was presented to me while I was logged into my account. She advised she would research the issue and follow-up with me. At XXXX on XX/XX/XXXX XXXX called me back to advise she could not find the promotion I was referencing. Basically accused me of lying and offered me no resolution. I have been a USAA member for XXXX XXXX, first under my parents, and since XXXX under my own account. I have multiple USAA banking and insurance products and I have never missed a payment. I explained that I was being defrauded. There is no rational reason to accept a balance transfer offer and pay a fee only to be charged interest. They have pulled a bait and switch and I'm deeply concerned with USAA 's anti-consumer practice. I was defrauded and I now have no recourse to be refunded the balance transfer fee and interest. If they will not honor the agreement then I will pay off the card, but they must refund me for the balance transfer fees and interest. This is completely unacceptable. I requested management escalation and XXXX refused stating, management does not take calls to speak with members. They will do nothing to help me. I need help, PLEASE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an account that appears to have been opened in my name without my authorization. I am a victim of **fraud** and believe that the account listed below was opened fraudulently. As such, I am requesting that you **close** the account and **remove it from my credit report**. 

Date Opened : XXXX Balance : {$8600.00}

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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an account that appears to have been opened in my name without my authorization. I am a victim of **fraud** and believe that the account listed below was opened fraudulently. As such, I am requesting that you **close** the account and **remove it from my credit report**. 

Date Opened : XXXXXXXX Balance : {$8600.00}

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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

Complaint narrative:
I would like to dispute the following errors on my credit report ive noticed several inquiries on my credit report that I did not authorize. please investigate the following inquires which are affecting my credit score and standing. the following are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to dispute the following errors on my credit report ive noticed several inquiries on my credit report that I did not authorize. please investigate the following inquires which are affecting my XXXX XXXX and standing. the following are : 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 XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is an address, XXXX XXXX XXXX, XXXX XXXX, MI. XXXX, reporting only on my Experian credit report. I have never used this XXXX XXXX XXXX XXXX XXXX and may have been an attempted identity theft. I am requesting the address be removed to prevent anyone from defrauding me. 
This is the first time have have filed this complaint through the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX 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! 


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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: TX

Complaint narrative:
I wrote to XXXX XXXX XXXX on XX/XX/XXXX via certified mail to inform them that the {$270.00} bill/debt they sent to my address was not mine and to comply with federal regulations regarding debt validation. I requested they provide the following : 1.The name and address of the original creditor. 2.If this debt originated with a different creditor, please provide their name and address, the account number used, the amount owed to that creditor, and whether any other names were associated with this debt.

3. When did the current creditor, XXXX XXXX XXXX XXXX, obtain this debt, and who was it obtained from? 
XXXX. Provide verification and documentation that there is a valid basis for claiming that I am required to pay this debt, particularly considering that I have never been to XXXX XXXX  XXXX XXXX. 
XXXX. If they are requesting payment of a debt for someone else, identify that person and provide documentation proving I am legally responsible for their debt. 
XXXX. Provide a copy of the last billing statement from the original creditor. 
XXXX. Clarify the amount owed when R.T.R Financial Services obtained the debt and whether any additional fees were added. If so, please explain how the interest and/or fees were assessed.

8. If there have been any payments or other reductions since the last billing statement, provide an itemization showing the dates and amounts of each payment or adjustment.

9. State when the creditor claims this debt became due, when it became delinquent, and the date of the last payment made on the account.

10. Please confirm how R.T.R Financial Services determined this debt is within the statute of limitations and provide the expiration date of the statute of limitations for this debt.

11. Additionally, explain how that determination was made.

12. Does R.T.R Financial Services hold a debt collection license in my state? 13. Provide the name on the license, the license number, and the name, address, and telephone number of the state agency that issued the l
icense. 14.If you do not have a license, please indicate why not. 

On XX/XX/year>, I received a response from RTR Financial Services, where they sent me a copy of a past due statement and stated that they verified the information is correct without submitting the information that I requested.

Company response to consumer: Closed with explanation