vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX 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 2024-06-25 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: GA

Complaint narrative:
I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.

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 2024-06-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I looked at my credit report back on XX/XX/year> and noticed some things were not accurate. I sent a letter to EXPERIAN on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results on XX/XX/year> ( electronically ) and noticed they did not fix anything. This resulted in EXPERIAN breaking Federal Law. 

According to 15 USC 1681e ( b ) it states that ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates. 

So I then asked them to provide me a description of the investigation ( Tracking # XXXX ) according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure - A reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. EXPERIAN failed to complete this action. Due to this, EXPERIAN is breaking the described laws.

EXPERIAN has violated the following : According to 15USC 1681i ( 5 ) - ( 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 shall ( i ) 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 ; According to 15 USC 1681s-2- ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-25 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing 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 2024-06-25 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % 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 2024-06-25 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: CA

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing 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 2024-06-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting XXXX % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: T.S. Holdings
State: MI

Complaint narrative:
I did not contract with this company at all. I do not have any debt obligation with this company. They are illegally reporting a debt on my credit profile which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity fraud. I have never had a capital one card so it must belong to someone with a similar name to mine. I am requesting they show me my wet signature, all bills, payments and any other documentation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE balance of AUTO LOAN .This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 



Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all XXXX reporting standards and this account removed upon completion.

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 2024-06-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE balance of AUTO LOAN .This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 



Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all XXXX reporting standards and this account removed upon completion.

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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, 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 ( Original CreditorXXXX XXXX ) XXXXHowever, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-06-25 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: EQUIFAX, INC.
State: MS

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 ( Original CreditorXXXX XXXX ) XXXX.However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXX/XX/XXXXXX/XX/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 2024-06-25 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:
I reviewed my consumer reports and noticed that I had a late payment reporting on an account. The company has made violated legal agreements and I never gave permission to report on my credit report. This company XXXX policy clearly states they will only report on-time payments which I also didn't authorize that. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the payment for the account ( XXXX  ) hired by XXXX ( Account number XXXX ). Please investigate this matter and provide proof that this company acted in compliance with contract and policy. If proof can't be provided I demand this account be removed completely from my credit report or updated to on time. Law states that reporting should be accurate and attached documents show inaccuracy. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The current listed address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student Loans were Paid of in XX/XX/year> but the credit bureau Only wants to use XX/XX/year> data and refuses to accept Email statement by Dept of Education/Nelnet Email copy showing all student loans paid in full. I sent XXXX copy of the DOE/Nelnet Email but refuse to verify XX/XX/year> payment, paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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