vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

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 non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Several companies inquired my information and I didnt approve them to run my credit XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I switched to the XXXX plan in XX/XX/year>, and successfully made payments in XXXX, XXXX, & XXXX. On XX/XX/year>, I received correspondence from MOHELA that my loans would be placed into a " recalculation '' forbearance for my XXXX payment that, according to the correspondence, would receive credit towards XXXX. On XX/XX/year>, I received the same correspondence related to my XXXX payment. Again, the correspondence specifically stated that the XXXX forbearance would count towards XXXX. In XXXX, MOHELA sent correspondence related to the XXXX injunction, stating that my loans would be placed in an indefinite forbearance that would NOT count towards XXXX. 
On XX/XX/year>, after receiving an updated XXXX XXXX XXXX, XXXX updated my payment counts to XXXX, but marking my XX/XX/year> and XX/XX/year> payments " Ineligible '' because of the forbearances. If MOHELA had imposed the correct type of forbearance for XXXX and XXXX, I would be at XXXX. 

Instead, I have been forced to submit a XXXX XXXX and a Buy Back Request, leaving me at the mercy of XXXX 's indefinite response timeline. Additionally, I have submitted several complaints to XXXX, as well ; however, they have not resulted in an acceptable resolution. 

Not wanting to leave anything to chance, I submitted an IDR Application to switch to the XXXX plan. If MOHELA is unable to process my application immediately, they are supposed to switch me from the XXXX administrative forbearance ( that does NOT count towards XXXX ) into a XXXX processing forbearance that WILL count towards XXXX. MOHELA claims they are unable to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MA

Complaint narrative:
In early XX/XX/XXXX, I received a letter from American Coradius International LLC, a debt collector, seeking to collect a debt from a XXXX account they claimed to be mine. The debt amount was significant ( {$60000.00} ). I have not made any significant XXXX transactions in years, so I first verified that there was no corresponding fraudulent activity on my XXXX account. I keep my credit reports frozen but still checked to see if any accounts had been opened with my information recently, but there have not been. I then returned the letter indicating that I wanted to dispute the debt because it's not mine, and asked them to send me the name and address of the original creditor. Then, XXXX XXXX responded with a letter dated XX/XX/XXXX, claiming to include documentation about my account. The letter enclosed a document from XXXX XXXX XXXX showing an account with my name, created on XX/XX/XXXX, but with an email address that I do not recognize or own. The disputed transactions involved another email address that I do not recognize, but have no additional explanatory information. I need guidance on whether I need to pursue a criminal fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I purchased a 2022 XXXX XXXX in XXXXXXXX XXXX XXXX thru XXXX XXXX. XX/XX/year> the vehicle was totaled. In the month of XX/XX/year> the car was paid in full by the insurance company and the extended service contract provider. I recently found out that they never issued a lien release for this vehicle. I have been receiving taxes due from the count clerk. I called XXXX XXXX XXXX  and they stated they never received the lien release from kia motor finance. On XXXX XXXX I contacte XXXX XXXX and informed them that the lien release was never received by the county clerk or state. and told them I needed a certified notarized copy of the lien release sent to me so that I can take in to have the state and county release it so they can stop charging me taxes on this vehicle and refund the past due taxes because it has been 2 years. I was sent notification from XXXX XXXX via email on XXXX that it ws completed and mailed to me. I have never received it, I have called XXXX XXXX 4 times only to keep getting the run around

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 2024-11-21 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED 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 2024-11-21 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : 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 explanation
Consumer complaint received 2024-11-21 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Final Complaint Under the Fair Credit Reporting Act ( FCRA ) and Demand for Resolution through XXXX Dear Equifax Information Services, I am writing to formally express my dissatisfaction with your handling of my credit information and the numerous violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of your gross negligence and misconduct. 

Despite my multiple disputes regarding inaccurate information on my credit report, including a fraudulent residence listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I have never XXXX has failed to take appropriate action. This misinformation has persisted, and you have continued to display XXXX XXXX XXXX XXXX as my residence, which is my previous address linked to my family but not applicable to me. My current and verifiable residence is XXXX XXXX XXXX XXXX XXXX XXXX, which is also correctly reflected on my other credit reports. 

Additionally, the trade line reported by XXXX XXXX is erroneous and must be investigated as per FCRA requirements. I have provided supporting documentation alongside my disputes, including my FTC report regarding identity theft, yet this has not led to the necessary corrections. 

Your company has been sending me correspondence to my correct address as listed, yet in its attempts to delay and hinder a true investigation, it has misleadingly listed XXXX XXXX XXXX as my address for dispute results. This misinformation not only adds to my frustration but further complicates the resolution process. 

Furthermore, it is important to clarify that my legal name is XXXX XXXX XXXX, with the " V '' always capitalized. 

The repeated failure to report accurate and verified information, as well as to conduct proper due diligence during the dispute resolution process, has severely impacted my creditworthiness. I have been unable to secure products with lenders who can not locate my credit file, and my business bureau scores have not been accessible since XX/XX/XXXX. 

Due to these ongoing issues and the significant distress and fraud resulting from your inaccuracies, I hereby demand a resolution through arbitration per the terms outlined within my credit report agreement with Equifax. It is essential that you take this matter seriously, investigate my complaints thoroughly, and rectify the errors reported on my credit file immediately. 

Failure to address these issues may force me to pursue further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely, [ XXXX XXXX XXXX ] ---

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NJ

Complaint narrative:
Subject : Immediate Action Required Demand for Verification Process Details To whom it may concern, I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items, I demand they be removed or corrected immediately.

Company response to consumer: Closed with explanation