vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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 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/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 XXXX ( 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 XXXX and It was never provided. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C. SECTION 1681C-2 ) that you, Equifax, the consumer reporting agency, block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of the following : XXXX XXXX XXXX XXXX Account number XXXX Balance {$230.00} Date opened XX/XX/XXXX XXXX XXXX. 
Account number XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$580.00} Date opened XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent information appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a FTC identity theft Affidavit, number XXXX as proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and are not related to any transaction I have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
This is showing on my credit report as a collection and they are listed as the original creditor. I do not know them and I do not know of another company that wasnt paid. I just applied for a loan and was denied because of this on my credit report. If not removed I will sue for opportunity loss

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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 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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
I was contacted by Paramount Recovery Systems. They said the had an account that was for me for {$3000.00}. I told that that I did not have any collections account for that amount of money. They sent me some documents that does not include a signature showing terms of a contract a long with an Exhibit A form with an invoice amount for {$1400.00}. All of which I have no Idea what they are talking about. This is not my debt and I am requesting that the collection attempts cease and for the negative reporting 's be removed from my credit reports. This is evidently a fraudulent account and I have communicated this with Paramount Recovery System. I have contacted the FTC as well as my local Police Department and the said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: CA

Complaint narrative:
this is a follow up to complaint XXXX which was previously filed, and your do nothing service which dismissed this with no research. i have filed identity theft report # XXXX with FTC. also made statement to XXXX XXXX XXXX acct # XXXX last 4 digits ) and Jefferson Capitol ref # XXXX. i have received communication from Jefferson Capital acknowledging the identity theft involving me, and their letter stating file closed and collection process terminated. i would like your records corrected to show this error has been resolved. i also demand you contact the XXXX credit reporting agencies to correct their files so my credit record is relieved from this impingment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: CT

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 2024-10-25 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:
My credit score has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge, creating an inaccurate picture of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: CT

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 2024-10-25 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: CA

Complaint narrative:
I am filing a formal complaint regarding Equifaxs failure to resolve repeated disputes over inaccurate information on my credit report and am demanding immediate corrective action under the Fair Credit Reporting Act ( FCRA ).

Despite numerous dispute attemptsincluding certified letters, emails to Equifaxs representatives and
Board of Directors, and several disputes initiated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXEquifax has failed to delete the incorrect information. In a phone call with XXXX XXXX XXXX, yesterday a representative from Equifax, I was informed that Equifax would not remove the data, arguing that the error stemmed from the creditor. However, as a consumer reporting agency, Equifax is legally required under FCRA 611 to correct or delete inaccurate information once it has been identified, regardless of the origin of the error ( 609letter Fair Credit R ).

The FCRA mandates that Equifax reinvestigate disputed information and delete any item found to be inaccurate, incomplete, or unverifiable. Furthermore, under FCRA 611 ( b ) ( 5 ), deleted information can not be reinserted into my credit file without certification of accuracy from the information furnisher ( 609letter Fair Credit R ). Equifax must also maintain reasonable procedures to prevent the reappearance of any deleted information, as required by FCRA 611 ( b ) ( 5 ) ( C ) ( 609letter Fair Credit R ).

Summary of Actions Taken : Certified Letters Sent by Mail : Multiple certified letters were sent detailing the dispute, with documentation substantiating my claims.

Emails to Equifax and Their Board of Directors : Escalation efforts included emails to the Board, highlighting the error and requesting deletion. 
Phone Call with XXXX XXXX : I was told that Equifax would not delete the incorrect data, attributing the responsibility to the creditora reasoning inconsistent with the FCRAs requirement for consumer reporting agencies to uphold accuracy.

Equifaxs ongoing failure to act in compliance with the FCRA has negatively impacted my credit profile. Therefore, I am requesting the immediate and permanent deletion of the disputed information, confirmation that it will not reappear on my report, and assurance of adherence to FCRA guidelines.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
This account starts the first payment late XX/XX/year>, I need it to show account balance, date of payment received, scheduled payment amount and amount paid. to check its inaccuracy. I am demanding a deletion inaccurate of the following account : XXXX XXXX XXXX XXXX XXXXXXXX number XXXX. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :

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 2024-10-25 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: FL

Complaint narrative:
I am submitting this complaint against Equifax Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, but my credit report shows an outdated address as : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name.

A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: MOHELA
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NC

Complaint narrative:
I am reaching out because I originally requested XXXX XXXX and TransUnion to validate the XXXX as well as the XXXX XXXX account currently listed on my credit report. This account contains significant inaccuracies, and despite my efforts to address the issue directly with these credit bureaus, I have not received any validation of the information they are reporting. These inaccuracies are seriously impacting my credit score and, as a result, have placed an immense burden on my ability to provide for my family. Ive taken the proper steps by requesting that this account be removed due to the inconsistencies in the reporting and the failure of the bureaus to fully validate the account as required under the Fair Credit Reporting Act ( FCRA ).

Despite my formal disputes, I have not been provided with any documentation that proves the legitimacy of the information being reported. This has left me with no choice but to escalate the matter and file a complaint through your organization. The errors on my credit report are affecting not only my financial standing but also my ability to secure essential resources for my household. I am asking for your assistance in ensuring that these bureaus take the necessary action to correct or remove this XXXX account from my credit report as required by law. I am deeply concerned about the ongoing damage this is causing and need your help to resolve this matter as quickly 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 2024-10-25 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: NC

Complaint narrative:
I am reaching out because I originally requested XXXX experian and XXXX to validate the XXXX as well as the XXXX XXXX account currently listed on my credit report. This account contains significant inaccuracies, and despite my efforts to address the issue directly with these credit bureaus, I have not received any validation of the information they are reporting. These inaccuracies are seriously impacting my credit score and, as a result, have placed an immense burden on my ability to provide for my family. Ive taken the proper steps by requesting that this account be removed due to the inconsistencies in the reporting and the failure of the bureaus to fully validate the account as required under the Fair Credit Reporting Act ( FCRA ).

Despite my formal disputes, I have not been provided with any documentation that proves the legitimacy of the information being reported. This has left me with no choice but to escalate the matter and file a complaint through your organization. The errors on my credit report are affecting not only my financial standing but also my ability to secure essential resources for my household. I am asking for your assistance in ensuring that these bureaus take the necessary action to correct or remove this XXXX account from my credit report as required by law. I am deeply concerned about the ongoing damage this is causing and need your help to resolve this matter as quickly 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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/year> My Husband Daughter, made her self Power of Attorney and Excess My Account and Stole Money, We had No idea that she can do that and The Bank didnt Inform me The Primary holder of the Account, that she has Excess to in My Account ( She has Stolen {$2100.00}, {$1400.00} on XX/XX/year> and the XXXX she taken {$700.00} more..My Husband is XXXX y/o with XXXX he would have not Approved this..and Myself XXXX y/o

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: MS

Complaint narrative:
On XX/XX/year> I purchased a {$990.00} Western Union money order at XXXX. On XX/XX/XXXX, I deposited the money order in person into my XXXX XXXX XXXX XXXX XXXX XXXX checking account. The following week, I saw a transaction on my banking ledger indicating the money order was returned unpaid. I spoke with the bank and learned Western Union refused to pay the money order. Then I filed a dispute with Western Union in accordance with their online dispute process. On XX/XX/XXXX, Western Union sent me an email stating " ... we cant recover the funds or refund money order XXXX because it has already been cashed. '' They also said they would mail a copy of the money order to me, but I never received a copy. I requested they email their copy to me, but they never responded. It's just not possible that this money order I purchased from Walmart was already cashed. The money order never left my possession until I presented it to my bank for deposit into my account. With this CFPB this dispute I have included a copy of the bank deposit scans from my bank, as well as my receipts for purchasing the money order.

Company response to consumer: Closed with explanation