vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: Experian Information Solutions Inc.
State: NY

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-30 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: TX

Complaint narrative:
You're highlighting the presence of fraudulent personal information associated with your identity. Accounts and transactions have been falsely attributed to you without your knowledge or consent, causing significant distress and concern. As a victim of identity theft, you've taken immediate action by reporting the incident. 

You're emphasizing the urgency of addressing this matter promptly, given its detrimental impact on both your financial well-being and personal reputation. You're requesting cooperation in expeditiously removing all fraudulent information from your credit report and conducting a thorough investigation. You're prepared to provide any necessary evidence and, if required, take legal action to protect your rights and seek appropriate compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-30 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 am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from 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 2024-09-30 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX  Block Request Dear Sir or Madam XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : Account numbers : OPEN DATE : 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Experian to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX if the consumer has provided documentation of XXXXXXXX to the agency. I have attached a documentation of my self attestation to you Experian Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, 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 2024-09-30 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXXXX/XX/XXXX Block Request Dear Sir or Madam : I am a XX/XX/XXXX The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 
Accounts : Account numbers : OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XX/XX/XXXX, so I do not need Experian to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have beenXX/XX/XXXX if the consumer has provided documentation of XX/XX/XXXXto the agency. I have attached a documentation of my self attestation to you Experian Survivors do not need to provide additional evidence to prove their connection to XX/XX/XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-30 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: 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 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 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NY

Complaint narrative:
I requested that Cashapp explain why I can no longer deposit paper money and they said they reviewed my account and I no longer have access to that feature but could not explain why to me. The customer service rep forced me off the call and closed my complaint without explaination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address 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 explanation
Consumer complaint received 2024-09-30 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: NY

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 XXXX  XXXX XXXX, 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 XXXX out of XXXX 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 2024-09-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received an alert from XXXX  stating that Wells Fargo had accessed my credit report. 
I did not submit an application and suspected identify theft. I called Wells Fargo and they stated there was no account with my social or an application submitted. I thanked the person. A week later I got a letter stating the reasons for a credit denial. Once again I called the number on the letter and was once again told there was no inquiry my or account opened. I now have this inquiry in my account and fear an account was opened. I would like this inquiry removed and a letter sent stating I dont have an account. I know Wells Fargo has previously been sued for opening accounts in their clients names.

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 2024-09-30 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: MS

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 2024-09-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> S.S.N XXXX I am contacting you about the compromising of my Social Security number. I am a victim of a data breach/identity theft. I contacted the federal trade commission and filed a FTC. Report number # XXXX Please block and remove all information from my credit report and send me an updated copy of the credit report. My situation has been heart breaking and a burden. I have tried to report this to credit karma stating it being incorrect and I get no results. I have been declined for buying my first house. And Im asking for your help. 

Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within XXXX business days of receiving the complaint. 

1. Definition of character 2. Neglect enhancement of identity fraud 3. Violation under 15 U.S code 1681o 4. Violation under 15 U.S 1681n ( b ) 5. Violation of the federal credit reporting act 6. Failure to comply with 15 USC 1692 ( g ) 7. Violation under code 15 U.S Code 1681b permissible purpose of consumer reports. 
8. Violation under 15 USC 1681 a ( 4 ) right to privacy 9. Violation under 15 U.S code 1681c requirements relating to consumer reports Account name : US DEBT. OF EDUCATION Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX, XXXX Account XXXX : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE Account number XXXX # XXXX These accounts have violated my right. 
Please remove all negative accounts in XXXX business days.

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 2024-09-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> S.S.N XXXX I am contacting you about the compromising of my Social Security number. I am a victim of a data breach/identity theft. I contacted the federal trade commission and filed a FTC. Report number # XXXX Please block and remove all information from my credit report and send me an updated copy of the credit report. My situation has been heart breaking and a burden. I have tried to report this to credit karma stating it being incorrect and I get no results. I have been declined for buying my first house. And Im asking for your help. 

Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within XXXX business days of receiving the complaint. 

1. Definition of character 2. Neglect enhancement of identity fraud 3. Violation under 15 U.S code 1681o 4. Violation under 15 U.S 1681n ( b ) 5. Violation of the federal credit reporting act 6. Failure to comply with 15 USC 1692 ( g ) 7. Violation under code 15 U.S Code 1681b permissible purpose of consumer reports. 
8. Violation under 15 USC 1681 a ( 4 ) right to privacy 9. Violation under 15 U.S code 1681c requirements relating to consumer reports Account name : US DEBT. OF EDUCATION Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX, XXXX Account XXXX : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE Account number XXXX # XXXX These accounts have violated my right. 
Please remove all negative accounts in XXXX business days.

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 2024-09-30 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: OK

Complaint narrative:
During XXXX and after, XXXX kept reporting my student loans delinquent which plummeted my score and caused unnecessary hardship. Today I contacted XXXX to ask if XXXX was still a loan servicer of mine considering I received correspondence from XXXX  saying they have taken on my loans. My rep at XXXX told me XXXX is no longer a servicer and should not have been reporting my payments delinquent as that would be illegal. Nonetheless they still are sending me bills and impacting my XXXX XXXX. I do not know what to do to stop this.

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 2024-09-30 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: OK

Complaint narrative:
During XXXX and after, XXXX kept reporting my student loans delinquent which plummeted my score and caused unnecessary hardship. Today I contacted XXXX to ask if XXXX was still a loan servicer of mine considering I received correspondence from XXXX  saying they have taken on my loans. My rep at XXXX told me XXXX is no longer a servicer and should not have been reporting my payments delinquent as that would be illegal. Nonetheless they still are sending me bills and impacting my credit score. I do not know what to do to stop this.

Company response to consumer: Closed with explanation