vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: AR

Complaint narrative:
On XX/XX/year> I sent a letter to XXXX XXXX XXXX requesting validation for a debt that they say I owe. In response I received a letter from them on XX/XX/year> with a final account statement and a lease that did not correspond with one another that they say was the evidence that verified this debt. Upon looking at the information that XXXX 's provided I notice that the final account statement lease dates does not match the lease that was provided. The lease that was provided states that it is a renewal lease in which I never signed a renewal lease. I only lived in the apartment for one year. They wouldn't allow me to renew the lease until I had allege balance paid off which was incorrect. On the renters ledger account, they have fees and balances that are inaccurate which I sent all the proof to show that this account thats reporting is inaccurate. I resent another letter on XX/XX/year> to XXXX 's letting them know that the lease they provided is not the accurate lease for the term I stayed in the unit. It is now XX/XX/year> and XXXX 's have not responded. I then take this situation to the CRA 's and sent them all the proof that this debt is reporting inaccurating and the debt collector is trying to collect a debt based off of false paperwork from the original creditor. In response, XXXX and Equifax has responded that the debt is accurate and will remain on my credit report. With all the proof that I've sent them that clearly shows that this debt is not accurate, they are still reporting that it is which is a huge voliation to the FCRA. Neither XXXX XXXX XXXX or the CRA 's are willing or trying to fix this sitiuation in the right way which is deleting this inaccurate information from my credit report which is affecting my ablity to obtain credit. I have sent you all the proof that I've gathered up to show that this account is inaccurate and needs to be removed promply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 
PLEASE REMOVE THE FOLLOWING ACCOUNTS ASAP CREDIT CARD : XXXX  XXXX, XXXX  {$500.00}, OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX. 
CREDIT CARD : XXXX XXXX XXXX XXXX, LIMIT {$1000.00}, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX. 
CREDIT CARD : XXXX XXXX XXXX XXXX, LIMIT {$5000.00}, DATE OPENED XX/XX/XXXX, ACCOUNT XXXX. 
LINE OF CREDIT : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX AUTO LOAN : XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2024-12-30 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as XXXX across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Experian : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current.

The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
2. High Credit Discrepancy : XXXX and Experian : List the High Credit as {$510.00}. 
XXXX : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
3. Future Reporting Dates : XXXX and Experian : " Last Reported '' date is XX/XX/XXXX. 
XXXX : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
4. Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
5. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.

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 2024-12-30 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of theirability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by Equifax on Settled XXXX XXXX XXXX XXXX  Account Dear CFPB, I am writing to formally file a complaint regarding the inaccurate reporting of a settled XXXX XXXXXXXX XXXX XXXX account on my credit report. The account in question was settled with XXXX XXXX XXXX, a collection agency based in XXXX XXXX, New Jersey, on XX/XX/year>. XXXX XXXX XXXX acted on behalf of XXXX XXXX XXXX XXXX to collect this debt. 

Despite this settlement, Equifax continues to report this account as a collection/charge-off, which is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  XXXX and Equifax were required to investigate and correct this information within 30 days. However, the account has remained incorrectly reported for over a year, causing significant harm to my credit profile and financial standing. 

I respectfully request the CFPB to investigate this matter and compel Equifax to : 1. Correct or remove the inaccurate information regarding the XXXX XXXX XXXX  XXXX account from my credit report. 


2. Ensure compliance with FCRA regulations regarding the timely resolution of disputes and accurate reporting of credit information. 



I have enclosed supporting documentation, including evidence of the settlement with XXXX XXXX XXXX, communication records, and copies of my credit reports showing the disputed entry. 

Thank you for your attention to this matter. I trust that the CFPB will assist in resolving this issue promptly and ensuring adherence to consumer protection laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by Equifax on Settled XXXX XXXX XXXX XXXX Account Dear CFPB, I am writing to formally file a complaint regarding the inaccurate reporting of a settled XXXX XXXXXXXX XXXX XXXX  account on my credit report. The account in question was settled with XXXX XXXX XXXX, a collection agency based in XXXX XXXX, New Jersey, on XX/XX/year>. XXXX XXXX XXXX acted on behalf of XXXX XXXX XXXX  XXXX to collect this debt. 

Despite this settlement, Equifax continues to report this account as a collection/charge-off, which is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  XXXX and Equifax were required to investigate and correct this information within 30 days. However, the account has remained incorrectly reported for over a year, causing significant harm to my credit profile and financial standing. 

I respectfully request the CFPB to investigate this matter and compel Equifax to : 1. Correct or remove the inaccurate information regarding the XXXX XXXX XXXX  XXXX account from my credit report. 


2. Ensure compliance with FCRA regulations regarding the timely resolution of disputes and accurate reporting of credit information. 



I have enclosed supporting documentation, including evidence of the settlement with XXXX XXXX XXXX, communication records, and copies of my credit reports showing the disputed entry. 

Thank you for your attention to this matter. I trust that the CFPB will assist in resolving this issue promptly and ensuring adherence to consumer protection laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I woke up to four cards being hit by the same merchant ( XXXX  XXXX XXXX ) for numerous unauthorized charges. They tried to hit our personal checking ( debit ) card, our business checking ( debit ) card, our business credit card and our personal credit card. All for high dollar amounts and similar dollar amounts on some totaling over {$15000.00}. I went into the bank immediately to report the suspicious activity. The credit cards flagged it immediately as fraud and we confirmed with them to deny the charges. Even though they hit both personal and business checking accounts with XXXX XXXX XXXX, the bank did not let the charge for {$1700.00} go through on the personal account, nor did they let multiple charges on the business checking account go through. They did however let a charge on the business checking account for {$7900.00} go through on XX/XX/year>. We were told by the bank after the fraud investigation that the claim was denied, and it was in fact not fraud. We disputed the denied claim twice, showing proof that the credit card company flagged it immediately as fraud. We told them this was absolutely unauthorized even though my husband was traveling in the area for work that week. We asked for them to provide proof as to why they denied our claim. They never provided proof and just told us it was not going to come back to us. We lost {$8000.00} because our bank denied this claim. I have all screenshots of our bank accounts when these charges came through and the screenshot from our credit card company the moment it happened telling us they caught it as fraud. Somehow the same bank that let this {$7900.00} charge post on our business account did not allow the same unauthorized merchant charge to go through on our personal checking that we hold at the same bank. This crushed us as a small business. To have our bank deny our claim and not provide proof to this unauthorized charge is uncalled for. We were in our local branch the morning after it happened closing all accounts thinking they had all been compromised, opening new accounts and being told by the banker that rest assured, we should expect to get any money back that posts to our accounts. We are now switching banks because we can not afford for a bank we give so much of our business to, to treat us as they did with these unauthorized charges. We tried to look up this merchant name and can't even figure out who the merchant is to call them. XXXX does no reveal a clear answer to who holds this merchant name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX  was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX  was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  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 2024-12-30 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: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank 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