vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXX XXXX Mo ( XXXX ) {$490.00} Acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} Acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$530.00} Acct # XXXX XX/XX/XXXX XXXX  XXXX {$4500.00} Acct # XXXX XX/XX/XXXX

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: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with EQUIFAX 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 in ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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 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: LA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX Phone Number : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Dear : Transunion I am writing to formally dispute an entry on my credit report under the Credit Reporting Act ( FCRA ) specifically related to an account that is inaccurately listed or should no longer appear on my credit report due to its age Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX According to the FCRA negative information, including account with derogatory remarks, should be removed from a consumer 's credit report after XXXX years from the date of the original delinquency. This account is beyond the statutory reporting period and should no longer be present on my credit report. 

Please find enclosed a copy of my credit report highlighting the disputed entry and any relevant documentation supporting my claim. I kindly request that you investigate this matter, remove the outdated account from my credit report, and provide me with a confirmation once the removal has been completed.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hope this message finds you well. I am writing to express my concerns regarding The XXXX XXXX XXXX and XXXX XXXX automotive inquiries Despite my previous communications on this matter, I have not received an adequate resolution. 

I request that you review this situation and provide a response at your earliest convenience, as it is important to me that this issue is resolved promptly.

According to the law USC 1681 these inaccurate inquiries must be removed from my credit report Thank you for your attention to this matter.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/year>, I submitted a dispute package to TransUnion regarding fraudulent accounts on my credit report. This package included : -A police report documenting the fraud. 
-Proof of identity ( government-issued ID, Social Security card , utility bill ). 

Under 15 U.S.C. 1681c-2, TransUnion is required to block fraudulent information within 4 business days of receiving proper documentation. Despite this, TransUnion has not blocked any of the fraudulent accounts. The online system currently indicates that the dispute will not be completed until XX/XX/year>, which is well beyond the legal timeframe. 

On XX/XX/year>, I spoke with a TransUnion agent who provided me with File # XXXX and informed me that my file had been updated to reflect the fraud. The agent indicated that I should expect updates by Friday, giving TransUnion a second opportunity to comply. While I appreciate this, the statutory 4-day rule under the FCRA still applies, and TransUnion is past the deadline.

Additionally, during this conversation, the agent falsely claimed that all disputes, including those related to fraud, follow a 30-day process for creditor verification. This is incorrect, as identity theft disputes have a 4-day blocking requirement by law. Their refusal to act within this timeframe and misrepresenting the process has caused delays, resulting in financial and reputational harm. 

I also notified TransUnion that I had an FTC Identity Theft Report ready if needed, but it has not yet been provided. 

I submitted everything required for the fraud investigation, including : -An SEC report.

-A request for GAAP-compliant verification of the disputed accounts.

-The police report documenting the fraud.

-Proof of identity ( government-issued ID, Social Security card , utility bill ).

Despite having these materials, TransUnion has failed to block the fraudulent accounts within the 4-day statutory timeframe, resulting in undue hardship and harm to my financial standing. 

Attached are the screenshots of the TransUnion Chat.

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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Has been illegally reporting to my credit report with out my written consent. I do not have a contract with XXXX XXXX XXXX. Statements from a third party is not evidence that I owe this alleged debt. I have not in writing giving them consent to obtain my consumer report and have not benefited from such illegal transaction. I suffered a great amount of actual damages that I will seek in a court of law so I can receive my remedy for such illegal transactions. XXXX XXXX XXXX Has violated my privacy rights as a federally protected consumer. This complaint is not a duplicate I will upload attachments of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I never was evident the dates are wrong. I was never notified

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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX unauthorized inquiries on my credit report that equifax refuse to remove, Im an identity theft victim and I did not Try to get a new vehicle. Someone tried to use my name to get get a vehicle without my permission. These are the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experians website and app will not allow me to log into my account. I have tried many times to get this resolved but only receive a text from Experience saying login FAQs with no other information or attachment. No matter what I do, the automated system will not ever let me reach a customer service agent. 

Over this time, Experian has repeatedly sent me emails saying that my social security was found on the dark web and also that new credit actions have been taken. However, because I cant log on, I can not gain any additional information on any of this to know whether I need to put a freeze on my credit or a fraud warning. Again, there is simply no way to get past the automated system to be able to speak with a customer service agent to get more information or at least to get help with logging in. 

The lack of access to customer service agents in this context violates reasonable expectations for the two credit monitoring services that I have through Experian.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a Dispute for my derogatory accounts to be removed for goodwill removal. I filed the dispute with Equifax on XX/XX/year>. I havent recieved any mail or notification that any investigation was completed. I believe I am wronged in this situation and my Credit is taking volatile hit due to these accounts on my credit. I am asking for the forgiveness of my credit unworthiness and A clean removal of the account I requested be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: IN

Complaint narrative:
Commencing on or around XXXX XXXX, 2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I disputed this with LVNV before. NOW they turned it over to this XXXX, XXXX company. I sent XXXX a certified letter return receipt stating this is not mine, and to provide the Original Purchase agreement with my valid signature, and a validation that I owed XXXX, XXXX any money. I refused to pay this, and added a cease and desist clause in the letter. They have violated my rights by law according to 15 US Code 1692g.

I demand that they remove this false report from all the credit bureaus, including all secondary bureaus! XXXX XXXX has it loud and clear on their report. They must remove this info by law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/year> I MAILED FTC IDENTITY THEFT AFFIDAVIT REPORT # XXXX & # XXXX TO TRANSUNION THROUGHT CERTIFIED MAIL, NOTIFYING THEM THAT IM A VICTIM OF IDENTITY THEFT. TRANSUNION RESPONDED THAT DISPUTED ACCOUNTS WERE VERIED AS MY ACCOUNTS. TRANSUNION DID NOT DELETE FRAUDULENT ACCOUNTS OR DID NOT PROVIDE VALIDATION OF ACCOUNTS. 

THE FRAUDULENT ACCOUNTS ARE AS FOLLOWS : XXXX FORMERLY XXXX OPENED XXXX {$16000.00} XXXX XXXX OPENED XXXX {$1500.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR ) XXXX XXXX {$5800.00}

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last month I received an alert from EXPERIAN that my credit score was dropped by XXXX due to XXXX XXXX reporting me being over limit by {$29.00}? The XXXX overlimit fee was paid immediately. I reached out to XXXX XXXX which stated they only report late payments. Needless to say Experian dropped my score from XXXX to XXXX. UPDATE MY COMPLAINT WAS INVESTIGATED BY EXPERIAN THEY ON GAVE ME XXXX BACK OF THE XXXX I HAD. SO I AM FILING A COMPLAINT AGAINST EXPERIAN. I WAS NOT LATE OR OVER 30 DAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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