vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: FL

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 non-monetary relief
Consumer complaint received 2024-10-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX Credit Bureau Dear CFPB, I am writing to formally dispute the following account listed on my credit report from both XXXX and XXXX. I have no knowledge of or association with this account, and I am demanding its immediate removal from my credit report. I have disputed this account on multiple occasions and have not received any proper validation or communication from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX Credit Bureau ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Credit Bureaus Involved : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Current Status : Collection/Chargeoff Balance : {$660.00} Comments : Account information disputed by consumer, meets FCRA requirements. 
This account does not belong to me, and I am requesting immediate validation of the account or its deletion from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted. 
I am formally requesting proof of validation from the original creditor or any legally binding documentation that proves this debt is mine. If this documentation can not be provided within the legal timeframe, I demand the immediate deletion of this account from my credit reports. 

As of today, XX/XX/XXXX, I have received no communication regarding previous disputes, which violates my rights under the FCRA and FDCPA. I request that the CFPB intervene to ensure compliance and resolve this matter swiftly. 

Thank you for your attention to this issue. I trust that your office will take appropriate action to enforce these regulations and remove this erroneous account from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  D.C. XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX Credit Bureau Dear CFPB, I am writing to formally dispute the following account listed on my credit report from both XXXX and Experian. I have no knowledge of or association with this account, and I am demanding its immediate removal from my credit report. I have disputed this account on multiple occasions and have not received any proper validation or communication from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX Credit Bureau ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Credit Bureaus Involved : XXXX XXXX Experian Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Current Status : Collection/Chargeoff Balance : {$660.00} Comments : Account information disputed by consumer, meets FCRA requirements. 
This account does not belong to me, and I am requesting immediate validation of the account or its deletion from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted.

I am formally requesting proof of validation from the original creditor or any legally binding documentation that proves this debt is mine. If this documentation can not be provided within the legal timeframe, I demand the immediate deletion of this account from my credit reports. 

As of today, XX/XX/XXXX, I have received no communication regarding previous disputes, which violates my rights under the FCRA and FDCPA. I request that the CFPB intervene to ensure compliance and resolve this matter swiftly. 

Thank you for your attention to this issue. I trust that your office will take appropriate action to enforce these regulations and remove this erroneous account from my credit file. 

Sincerely, 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 2024-10-03 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: LEXISNEXIS
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: AZ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
The account has been repeatedly updated as canceled every month. This is a payment history update. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your negligence has violated my rights. I demand the deletion of the following account : The XXXX XXXX XXXXXXXX account was closed XX/XX/XXXX, however, I never paid, this card was opened fraudulently, it was updated XX/XX/XXXX reported in collection / charge off, it does not report the number of accounts, the accounts in total are 2 accounts that appear with XXXX XXXX XXXX/ both accounts appear/ charge of XXXX THERE ARE TWO ACCOUNTS ONE CLOSED ON XX/XX/XXXX UPDATED XX/XX/XXXX / last payment is reported XX/XX/XXXX I never opened this account, it was opened fraudulently / XX/XX/XXXX LIKE GHARGE OFF XXXX ALSO APPEARS LAST PAYMENT XX/XX/XXXX REPORTED XX/XX/XXXX XXXX XXXX APPEARS IN COLLECTION / charge off updated XX/XX/XXXX every month they report it as unpaid these accounts were opened fraudulently XXXX XXXX another account reported as closed XX/XX/XXXX collection/charge off Reported XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account has been repeatedly updated as canceled every month. This is a payment history update. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your negligence has violated my rights. I demand the deletion of the following account : The XXXX XXXX XXXXXXXX account was closed XX/XX/XXXX, however, I never paid, this card was opened fraudulently, it was updated XX/XX/XXXX reported in collection / charge off, it does not report the number of accounts, the accounts in total are 2 accounts that appear with XXXX XXXX XXXX/ both accounts appear/ charge of XXXX THERE ARE TWO ACCOUNTS ONE CLOSED ON XX/XX/XXXX UPDATED XX/XX/XXXX / last payment is reported XX/XX/XXXX I never opened this account, it was opened fraudulently / XX/XX/XXXX LIKE GHARGE OFF XXXX ALSO APPEARS LAST PAYMENT XX/XX/XXXX REPORTED XX/XX/XXXX XXXX XXXX APPEARS IN COLLECTION / charge off updated XX/XX/XXXX every month they report it as unpaid these accounts were opened fraudulently XXXX XXXX another account reported as closed XX/XX/XXXX collection/charge off Reported XX/XX/XXXXXXXX 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 2024-10-03 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-03 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: 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 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 2024-10-03 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: AL

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
I first came to USA in XXXX and after receiving my social security card went to DMV to apply for a drivers license. My bag was stolen in DMV along with my social security card and passport. Two months later I left USA. Coming back in XXXX I checked my credit report and noticed several fraudulently opened credit card accounts. All the creditors solved the matter, but XXXX XXXX bank with a charged off credit card with the balance of {$9700.00}. It`s been a year I am sending my supporting documents to XXXX XXXX proving that I was not in US in XXXX and never had any business account either. I attached the email from XXXX stating that the business opened in my name was fraudulent. After providing all this new supporting documents they still deny my case. They also are not able to verify my identity every time I call and they send me to the branch for verification one hundred time. This needs to be solved immediately. Please help my with my concern.

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 2024-10-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I first came to USA in XXXX and after receiving my social security card went to DMV to apply for a drivers license. My bag was stolen in DMV along with my social security card and passport. Two months later I left USA. Coming back in 2022 I checked my credit report and noticed several fraudulently opened credit card accounts. All the creditors solved the matter, but XXXX XXXX bank with a charged off credit card with the balance of {$9700.00}. It`s been a year I am sending my supporting documents to XXXX XXXX proving that I was not in US XXXX XXXX and never had any business account either. I attached the email from XXXX stating that the business opened in my name was fraudulent. After providing all this new supporting documents they still deny my case. They also are not able to verify my identity every time I call and they send me to the branch for verification one hundred time. This needs to be solved immediately. Please help my with my concern.

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 2024-10-03 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-10-03 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: AZ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-03 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: MD

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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