vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-15 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: NY

Complaint narrative:
There is an account that I keep disputing that comes back verified. This is not was not will not ever be mine it's such a miminal amount i wouldn't let affect my credit when I owe THOUSANDS on other debts that I have exceptional payment on. Verified how with who not me not mine FRAUD that I can't get removed. 
payment history speaks for its self.

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 2024-11-15 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: CA

Complaint narrative:
Re : Request to Remove Inaccurate or Outdated Addresses from Credit Report To Whom It May Concern : I am writing to formally request the removal of incorrect or outdated addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that all information reported is accurate, complete, and verifiable. Under 15 U.S.C. 1681c and 15 U.S.C. 1681i, consumers have the right to dispute information on their credit reports and to request that unverifiable or inaccurate information be corrected or removed.

Upon review of my credit report, I noted the following address ( es ) that are incorrect or outdated and should be removed : 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 These addresses are no longer relevant to my credit profile and may lead to confusion or inaccurate reporting. In accordance with 15 U.S.C. 1681i ( a ), I am disputing these addresses and requesting an investigation to verify their accuracy. If the addresses can not be verified as accurate and current, please proceed with their removal from my credit report. 

Please update my credit file accordingly and send me a corrected copy of my credit report showing that these addresses have been removed. I appreciate your compliance with federal law in maintaining accurate and complete records. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Flandreau Santee Sioux Tribe
State: OH

Complaint narrative:
I wanted to pay off my loan balance to avoid paying some of the extremely high interest on the loan. However, when I went to pay off this loan it showed my account was in arrearages. I sent an email inquiring how could this be possible. I have made every single payment on time. The original loan amount was for {$500.00}. Now my balance is for nearly double that amount. I have penalties and accruing interest on my account I can never catch up with. I am unable to pay off this loan because 605 Lending just simply refuses to apply my payments to my account. According to their records, the last payment I made was on XX/XX/XXXX. However, I submitted every bank statement from XXXX until the current date showing the bi-weekly payments coming out of my account steadily. They did not respond. The next payday, or due date for a loan installment payment they collected the payment, as usual. Yet my account still shows it has not been paid on since XX/XX/XXXX. I keep sending emails and calling and no matter what I submit to them they do not respond to my emails and the customer service has no record of my payments. I have them in XXXXXXXX XXXX XXXX  Now I have over paid this loan by hundreds of dollars. I should've been allowed to pay off the balance almost 2 months ago. They keep accuring interest on the principle balance, now on the arrearages. Under the original terms this loan only has 3 more installments. But I know they will just keep collecting payment after payment. This is extremely unfair. I can't afford to keep paying them like this. The payments are {$150.00} every other Thursday. I'm having to borrow money from family to keep up with them. At this rate I will never pay off this loan. The original agreement was 765.76 % interest if it wasn't paid off early. I should have only 3 more payments ending this loan on XX/XX/XXXX. That will have me paying them back {$2400.00} for a {$500.00} loan. As if that isn't bad enough, since they do not apply my payments to my account they now say I owe them {$960.00}. This is after I have already submitted {$2000.00} in payments ; XXXX payments at {$150.00} each. I don't know where to turn to. I am being robbed. It seemed to me, my attempt to pay this loan off early is what started all this. No matter what, they were going to get their {$2400.00} out of me. Even though they said there was no penalty for early pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
I recently reviewed my credit report and was shocked to find multiple inquiries from your company that I never authorized. This unauthorized activity is severely impacting my credit score and causing extreme stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am writing to dispute the validity of the debt listed on my credit report. In accordance with the FCRA 15 USC 6802, I didn't give you permissible purpose to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to formally follow up on my previous complaint regarding the failure of my credit bureau remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX SYNCB/XXXX - XXXX SYNCB/TJX - XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of the Credit Bureau may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 states. A consumer reporting agency can not furnish a account without my written Instructions.

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 2024-11-15 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit reports provided by the credit reporting agencies, including Equifax, XXXX, and XXXX. These inaccuracies include discrepancies in the " Date Opened '' for certain accounts and inconsistent or incorrect balances across the credit bureaus. Such errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act, both of which require credit reporting agencies to ensure that all information they report is accurate, complete, and consistent. 

Specifically, the following accounts show either inaccurate " Date Opened '' information, incorrect balance reporting, or both : XXXX. XXXX XXXX ( Account Number : XXXX ) ******The DATE OPEN is INCONSISTENT AND INACCURATE***** ******The HIGH CREDIT is INCONSISTENT AND INACCURATE****** ******The CREDIT LIMIT is INCONSISTENT AND INACCURATE ***** REMOVE THE ACCOUNT IMMEDIATELY DUE TO THE VIOLATIONS OF MY RIGHTS. 


XXXX XXXX ( Account Number : XXXX ) *********The DATE OPEN is INCONSISTENT AND INACCURATE *** REMOVE THIS ACCOUNT FROM MY REPORT DUE TO THE VIOLATION OF MY RIGHTS - XXXX. XXXX ( Account Number : XXXX ) *********The DATE OPEN is INCONSISTENT AND INACCURATE **** REMOVE THIS ACCOUNT FROM MY REPORT FOR VIOLATION OF MY RIGHTS These discrepancies have created an inaccurate and misleading view of my credit history, which directly impacts my ability to access fair credit. Under the FCRA, specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting different dates and balances across credit bureaus fails to meet this standard and unfairly impacts my credit profile and score.

The inconsistent balance amounts and differing " Date Opened '' details across the bureaus may mislead lenders assessing my creditworthiness. To resolve these issues, I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies comply with the FCRA requirements or REMOVE these accounts immediately. Additionally, I am requesting that any unverifiable or inaccurate information be corrected or removed from my reports. 

Attached are copies of my credit reports, with the specific items in question highlighted for your review, along with any additional documentation to support my dispute. 

Thank you for your attention to this matter. I respectfully request that corrective measures be taken promptly and that I receive written confirmation of any updates made to my reports. If you require further information, please feel free to contact me at via email at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit reports provided by the credit reporting agencies, including XXXX, Experian, and XXXX. These inaccuracies include discrepancies in the " Date Opened '' for certain accounts and inconsistent or incorrect balances across the credit bureaus. Such errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act, both of which require credit reporting agencies to ensure that all information they report is accurate, complete, and consistent. 

Specifically, the following accounts show either inaccurate " Date Opened '' information, incorrect balance reporting, or both : XXXX. XXXX XXXX ( Account Number : XXXX ) ******The DATE OPEN is INCONSISTENT AND INACCURATE***** ******The HIGH CREDIT is INCONSISTENT AND INACCURATE****** ******The CREDIT LIMIT is INCONSISTENT AND INACCURATE ***** REMOVE THE ACCOUNT IMMEDIATELY DUE TO THE VIOLATIONS OF MY RIGHTS. 


XXXX XXXX ( Account Number : XXXX ) *********The DATE OPEN is INCONSISTENT AND INACCURATE *** REMOVE THIS ACCOUNT FROM MY REPORT DUE TO THE VIOLATION OF MY RIGHTS - XXXX. XXXX ( Account Number : XXXX ) *********The DATE OPEN is INCONSISTENT AND INACCURATE **** REMOVE THIS ACCOUNT FROM MY REPORT FOR VIOLATION OF MY RIGHTS These discrepancies have created an inaccurate and misleading view of my credit history, which directly impacts my ability to access fair credit. Under the FCRA, specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting different dates and balances across credit bureaus fails to meet this standard and unfairly impacts my credit profile and score.

The inconsistent balance amounts and differing " Date Opened '' details across the bureaus may mislead lenders assessing my creditworthiness. To resolve these issues, I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies comply with the FCRA requirements or REMOVE these accounts immediately. Additionally, I am requesting that any unverifiable or inaccurate information be corrected or removed from my reports. 

Attached are copies of my credit reports, with the specific items in question highlighted for your review, along with any additional documentation to support my dispute. 

Thank you for your attention to this matter. I respectfully request that corrective measures be taken promptly and that I receive written confirmation of any updates made to my reports. If you require further information, please feel free to contact me at via email at 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 2024-11-15 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: OH

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: OH

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not authorized by me.

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 2024-11-15 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:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
My account with EQUIFAX XXXX 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. 


EQUIFAX XXXX 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 response to consumer: Closed with non-monetary relief