vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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:
I recently applied for an auto loan and was told that XXXX is reporting 3 loan amounts. I had two parent plus loan consolidated into a direct loan. XXXX completed XX/XX/year>. XXXX is still listing the two previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of XXXX moving to a new platform and not reporting correcty. I am very concerned. I have called XXXX to have this rectified and was told they will reach out to the 3 reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked XXXX  score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith 100 percent payments made on time for everything and show that my debt to income ratio is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
I recently applied for an auto loan and was told that XXXX is reporting 3 loan amounts. I had two parent plus loan consolidated into a direct loan. XXXX completed XX/XX/year>. XXXX is still listing the two previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of XXXX moving to a new platform and not reporting correcty. I am very concerned. I have called XXXX to have this rectified and was told they will reach out to the 3 reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked fico score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith 100 percent payments made on time for everything and show that my debt to income ratio is accurate.

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 2024-10-01 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.

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 2024-10-01 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Formal Complaint Regarding Inaccurate Reporting of Closed Account Under 15 USC 1681 Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX  for the continued inaccurate reporting of a closed account on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Despite this account being closed, it continues to be reported on my credit profile, causing undue damage to my creditworthiness. Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy of the information they report. In this case, the account information being reported is neither accurate nor substantiated.

I have already contacted the credit bureaus directly to dispute this information under 15 USC 1681i, which requires a full investigation within 30 days. To date, I have not received an adequate response nor a valid justification for the continued reporting
of this closed account. As this information is both misleading and damaging, it must be removed in accordance with 15 USC 1681c, which requires the deletion of outdated or unverifiable information.

I am now filing this complaint with the CFPB because the credit bureaus have failed to fulfill their legal obligations under the FCRA. I respectfully request that the CFPB take immediate action to enforce my rights under 15 USC 1681 and facilitate the removal of this erroneous and harmful information from my credit report.

Failure to address this issue not only violates my rights under the FCRA but also may result in further legal action under 15 USC 1681n, which provides for damages in cases of willful non-compliance.

Please confirm receipt of this complaint and update me with any actions taken to resolve this matter. 

Sincerely, XXXX XXXX This letter outlines the issue and invokes your rights under the Fair Credit Reporting Act, targeting the CFPB for further enforcement of your dispute. You can submit this complaint through their official website or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: OK

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX i noticed that my credit score ( XXXX XXXX ) has dropped XXXX points And notice was " XXXX XXXX account balance increased '' ( also i attached screenshot with more detailes ), but i just used to {$2100.00} from my {$12000.00} balance ( around 17 % ) And my credit score was dropped XXXX points!!! 
It is too much After i called in my XXXX bank and they told me that they didn't see any reason and i had to call in TransUnion After Transunion answered to me : I have just checked the report it doesn't show any info that would have affected your score.I will have to escalate the drop to be checked and investigated.Case XXXX ( attched ) Then they called me and told that i can open a complaint and gave me your information I don't agree with dropping my score for XXXX points and nobody can explain me the reason I built my credit score around 3 years and i was ruined

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 2024-10-01 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: AL

Complaint narrative:
Recently i was alerted i may have had my info breached along with over XXXX XXXX other records of Americans. After following the government suggested website, they advised i freeze my reports and check them as well. I recently unfroze my reports as i was getting ready to apply, so when i checked and saw 3+ inquires from companies that i DID not give consent to pull my report, nor did i have knowledge they would be doing so. After checking around i have come to the conclusion that this is illegal for them to do. That being said i requested the company remove these inquiries and send me a report back showing they were removed. i did not recieve one the first time so i am filing this complaint hoping you will help me make sure they take action on these fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-10-01 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: EQUIFAX, INC.
State: CA

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-10-01 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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 explanation
Consumer complaint received 2024-10-01 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
In or around XX/XX/year> a {$25000.00} Check from XXXX was deposit into a Trust account for XXXX XXXX XXXX at South State Bank in XXXXXXXX XXXX  This check was written out to " XXXX XXXX XXXX XXXX XXXX XXXX. '' These funds were released to XXXX XXXX XXXX without my proper authorization or endorsement on the back of the check. Your bank should be held responsible for the improper negotiation or this check and release of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: OK

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-01 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: SC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report. 
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is illegibly billing me for several transactions for which I have not engaged or authorized. I have provided them with both online and direct written notice sent via mail timely regarding this. However, American Express believes they are above the law and seem to believe they know better. They have now twice ignored my notices and informed me that they believe the transactions are valid when in fact they are not valid and i have never engaged in these charges. American Express should be investigated for their unlawful practices and for making me waste my time for no dam reason. Under regulation XXXX & Z they have no right to harm me and thereby also harming their own company including its investors which includes myself. They apparently have some ill trained personal with very bad and poor practices. please see my detailed letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

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

"

Company 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 2024-10-01 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: MO

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card opened with Together XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan opened with XXXX XXXX XXXX on XX/XX/XXXX XXXX account number XXXX. and a collection account opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. I also noticed a fraudulent inquiry appearing on my consumer XXXX credit report named PERSONIFY. I do not recognize the aforementioned accounts, collection, or hard inquiry as reported. The aforementioned accounts, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, the collection, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX and XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, the collection, and hard inquiry are the result of identity theft and fraud.

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