vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: NJ

Complaint narrative:
Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NJ XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report I need be updated for this one XXXX. 

4. Born : My birthday is XX/XX/1967. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX. Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MILEND, INC.
State: IN

Complaint narrative:
I received a live check for an installment loan but its required to call them first to get an approval code. The check expired XX/XX/year>. XXXX made 7 calls XXXX trying to get this code and all I ever get is to leave a message and I never receive a call back. I feel like this is a scam and at best false advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have no connection to the listed creditors, and I did not authorize these inquiries.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received e-mail from XXXX, about my SS # being on the Dark Web. The suggested I go to the three Credit Bureaus and 1. ) Freeze my Credit 2. ) Do a Fraud Alert. The problem here is with Experian. With my current Cell phone number XXXX, I was able to accomplish this, and I got the report which is attached herewith. When I tried log back in on Experian, their System doesn't recognize my Login ID, or Password!!! Oh... So.. I tried resetting my Login ID, but their System >>>DOES NOT RECOGNIZE MY DATE OF BIRTH OR SOCIAL SECURITY NUMBER!!! OK.. LETS TRY RESETTING MY PASSWORD, WITH MY LOGIN ID, AS MY E-MAIL ADDRESS XXXX. PROBLEM IS THEIR SYSTEM DOES NOT RECOGNIZE MY CELL PHONE NUMBER, XXXX THAT I SET UP MY ACCOUNT WITH!!! BUT, LOOKING AT MY CREDIT FREEZE REPORT, THAT PHONE NUMBER ISN'T SHOWN!!! CALLING EXPERIAN IS FEUDAL, NO ONE ANSWERS THE PHONE, RESPONDS, NOTHING!! OH ... SO I SENT E-MAIL TO THE CEO XXXX XXXX, NO RESPONSE FROM HIM! OR E-SUPPORT!! I AM LOCKED OUT OF MY ACCOUNT, CAN'T RESENT LOGIN ID, OR PASSWORD AND NOBODY AT EXPERIAN RESPONDS, OR WILL HELP 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 explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report I need be updated for this one XXXX. 

4. Born : My birthday is XX/XX/year>. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX  or via email at XXXX. Thank you for your cooperation. 

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 explanation
Consumer complaint received 2024-09-20 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I DID NOT RECEIVE A 1099C FROM THESE COMPANIES. THEY WERE REQUIRED TO FILE WITH THE S.E.C EVERY XX/XX/XXXX. WHETHER THEY DID OR NOT IS SUSPICION OF FRAUD. VIOLATIONS OF 15 USC 6801 AND 6802 STATES THE POLICY OF CONGRESS THAT EACH FINANCIAL INSTITUTION RESPECT PRIVACY OF ITS CUSTOMERS. OPTIONS TO OPT OUT WERE NEVER DISCLOSED AS AN ALTERNATIVE. UNDELIVERABLE ADDRESS ARE STILL LISTED AS WELL AS ALIASES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX XXXXXXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-20 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX XXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-20 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: IL

Complaint narrative:
This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. 

I am a victim of XXXX, and the following account information, which appears on my Experian credit report, is a result of identity theft and fraud that occurred during this period of XXXX  : XXXX Accounts : Account Number : XXXX Original Balance : {$1300.00} Current Balance : {$2700.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$5000.00} Current Balance : {$13000.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$1500.00} Current Balance : {$3100.00} Account Number : XXXX Original Balance : {$3800.00} Current Balance : {$7900.00} Account Number : XXXX Original Balance : {$1300.00} Current Balance : {$2700.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$2600.00} Current Balance : {$5500.00} Account Number : XXXX Original Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Number : XXXX Current Balance : {$1100.00} Date Opened : XXXX Account Number : XXXX Original Balance : {$870.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$2600.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$870.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$2600.00} Account Number : XXXX Original Balance : {$5500.00} Account Number : XXXX Original Balance : {$870.00} Date Opened : XX/XX/XXXX I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Per Experian 's request, I have attached the following documents as proof that the aforementioned accounts are fraudulent and a result of my trafficking experience : Official Police Report FCRA Section 605C Self-Attestation Form Notarized Identity Theft Affidavit FTC Identity Theft Criminal Complaint Additionally, I have also provided results and proof from other credit bureaus that have removed these fraudulent accounts from my credit reports based on the same documentation provided, without any issues. 

These documents confirm my identity and substantiate that these accounts were created without my knowledge or consent. I am requesting immediate action to block and remove these accounts from my Experian consumer 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 explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-20 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: OH

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-09-20 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 obtained a copy of my credit report and noticed that two late payments were erroneously reported for an account that I have always paid on time. As credit reporting agencies play a vital role in reflecting accurate consumer behavior, I ask that this matter be addressed promptly. 

For the account : ( XXXX XXXX  ) ; ( XXXX ), I have never been late in making payments. I request that you investigate this situation and provide any evidence that these payments were made late. If you can not provide proof, I expect the information to be corrected immediately to reflect my accurate payment history. 

Thank you for your attention to this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX has violated my rights.I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 whom the report relates according to 15 USC 1681 ( e ) ( b ) .And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I provided the reasons for disputing the information. I have enclosed it again fraud accounts and inquiries Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX  ( XXXX  ) to seek their assistance in resolving this issue.

Company response to consumer: Closed with explanation