vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: LA

Complaint narrative:
I am a consumer as defined under the Fair Credit Reporting Act ( " FCRA '' ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). 
The companies violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

I discovered that XXXX, XXXX, XXXX, and EXPERIAN has reported an account in collections on my consumer credit report. This account is inaccurately reflected and constitutes a violation of my rights under federal law.

Violations of Federal Law : XXXX is in violation of 15 U.S. Code 1681c ( a ) ( 2 ) ( A ), which states that the inclusion of adverse items of information more than seven years old in a consumer report is prohibited. The collection in question has exceeded this statutory limit.

Additionally, under 15 U.S. Code 1666 ( b ) ( a ), which governs billing errors, it is required that creditors and their reporting agents, such as credit bureaus, properly handle disputes regarding erroneous charges and ensure accurate reflection of account statuses. XXXX, XXXX, and EXPERIAN, failed to comply with this requirement. 
Furthermore, 15 U.S. Code 1692c ( c ) prohibits continued reporting or communication regarding a disputed debt without proper verification. The collection account was reported without proper validation of the debt. 

I hereby demand that XXXX, XXXX, and EXPERIAN immediately remove the illegal collection accounts from my consumer credit report in full compliance with the aforementioned legal statutes. 
I further request a written statement confirming the removal of this erroneous collection from my credit report and an updated credit report reflecting the corrected information. 
Failure to remove this account will result in further legal action to protect my rights under the FCRA and FDCPA.

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 2024-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
Noticed on0 my credit report that a collection agency Arrgon Agency was trying to collect a {$2700.00} debt owed to XXXX XXXX in XXXX, PA . The account # for XXXX shows XXXX. 
The name on that code is XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX My name is XXXX XXXX, same address XXXX XXXX XXXX XXXX, PA XXXX My account number with XXXX is XXXX It states that the account was opened XX/XX/XXXX to XX/XX/XXXX. 
I did not move into XXXX XXXX XXXX until XX/XX/XXXX This is not my name and not my debt

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 2024-09-16 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: NY

Complaint narrative:
I have disputed with Equifax that XXXX XXXX XXXX is providing incorrect information on my credit report, one of my accounts closed in XX/XX/XXXX and last payment was in XX/XX/XXXX and the credit should be dropped from my account since it is past 7 years from the day of deliquency. However XXXX XXXX keeps reporting last payments in XXXX when the account was closed in XXXX, and last payment in XXXX, There shouldn't be any activities in XXXX. I've disputed this multiple times with equifax and XXXX XXXX keeps responding that the information is correct. 

This is the second submission! And the first one was closed cause XXXX XXXXXXXX stated unauthorized XXXX party and closed the dispute!!! This is my account!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
Today, I checked my credit report and noticed that there are inquiries that I don't recognize, I did not authorize these nor given consent to the companies to pull up my credit report, it is stressing me out and making me anxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-16 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: GA

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My minimum payment was XXXX according to their statement. I paid {$200.00} on the 4th and then because of Synchrony 's continued harassment I decided to pay them off and get this debt off my back. After I paid off they proceeded to charge me random interest for a balance that wasn't even due and after the balance was paid off. I spoke to two employees who were hostile and abusive when questioned about these charges. They claimed I was late paying and I was NOT. Then they claimed I owed them for the entire balance even though the billing cycle hadn't even started yet for next month.They would NOT let me talk, they spoke over me, repeating lies like mindless drones. I will not be bullied and I will not be harassed into paying something NOT owed to this company. I will not pay not 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 monetary relief
Consumer complaint received 2024-09-16 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: Alliance One, Inc.
State: CA

Complaint narrative:
I have previously been a XXXX XXXX XXXX XXXX in many ways such as my house being broken into and personal information such as drivers license stolen, data breaches, social security number found on the dark web ect. So as a result of that I have had to dispute inaccurate information from my credit file, however this information never gets disputed. I'm told by the XXXX that the creditor is reporting information that allows them still have it on my credit file but when i reach out to XXXX XXXX ( AllianceOne ) they say this debt is under another name but is under my social security number and they cant provide any other information because its not under my name. I have no idea what this debt is because it is not mine and i want it to be removed from my credit profiles asap. It is reporting negatively and reflecting poorly on my credit file doing detrimental to my future financial endeavors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: GA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-09-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : Account numbers : OPEN DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXX  I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need Transunion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self attestation to you TransUnion. 
Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
My accounts 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 to be removed/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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I can't believe this is the third time Wells Fargo has tried to attached insurance to this ELOC account! It IS NOT a second it IS AN ELOC! I sent them proof SEVERAL TIMES via email of my homeowners insurance policy that renewed on XX/XX/year> with my XXXX XXXX XXXXXXXX XXXX Now they are tacking on all kinds of fees & penalties & trying to say my loan is behind & im not making full payments when IN FACT IVE PAID MY USUAL {$53.00} every month like clockwork as I always had! This is the third time I'm having this problem with Wells Fargo! I can't believe this & they are trying to ruin my credit! 
Also ; I've been trying to edit personal info to reflect ; XXXX XXXX XXXX ( not XXXX XXXX ) & my phone # is ( 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 2024-09-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Account Name : XXXX, XXXX When Account Was Open : XX/XX/XXXX Amount : XXXX Accoount XXXX Account Name : XXXX XXXXXXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : XXXX Accoount NumberXXXX Account Name : XXXX XXXX XXXX - When Account Was Open : XX/XX/XXXX Amount : XXXX Accoount NumberXXXX

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 2024-09-16 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: Federated Student Loan Services
State: GA

Complaint narrative:
Subject : Complaint Regarding Student Loan Reporting Issues Dear CFPB, I am writing to file a formal complaint concerning issues with the reporting and management of my student loans. My concerns include inaccurate reporting of payment history, improper handling of account statuses, and other discrepancies that have negatively impacted my credit report and financial stability.

Issues to Address : Inaccurate Payment History : My student loan payment history contains errors that need to be corrected.

Improper Account Status : There are inaccuracies in the status of my student loan accounts that require rectification.

Company response to consumer: Untimely response