vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In 2004 I purchased a rental property located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Soon thereafter I had tenants living in the property and a check from XXXX XXXX in my name was sent to this address. The " check '' was some type of instant loan that I had never requested. The tenants found a way to cash said check and then the debt obviously went bad as I did not even know about it. Since that time I have been XXXX  and XXXX  for collection of this debt even though XXXX XXXX has been in receipt of proof that this debt is not mine for XXXX  years. Most recently, the deceptive practices of Resurgent have brought this back to the surface. No one, over XXXX  years has been able to provide me with proof this debt was mine, in fact the last go around XXXX XXXX provided a different debt company with what I sent to prove the debt was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: IN

Complaint narrative:
I checked my credit report this afternoon and was still disappointed with how these inaccurate accounts are still on my credit report. Kindly check the documents I've sent regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with 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 in to be removed. 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. XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well. 

Upon recently obtaining a copy of my credit report, I identified multiple discrepancies that require your immediate attention. These discrepancies include unauthorized inquiries and conflicting information across different credit bureaus. Specifically, the discrepancies pertain to differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The accounts in question are as follows : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX Inquiry Date : XXXX XXXX, 2023 In accordance with 15 U.S. Code 1681e ( b ), which mandates the implementation of reasonable procedures to ensure the maximum accuracy of the information contained in an individual 's report, I request that you provide complete documentation related to these accounts. This documentation should include : The original contract bearing my wet signature. 
Full transaction history from the date of account opening to the present or closure. 
Any other documentation used to verify the accuracy of the accounts. 
Additionally, as stipulated under 15 U.S. Code 1681i ( a ) ( 5 ), in the event that any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is obligated to promptly delete or modify the erroneous information and notify the furnisher of such action. 

I trust that you will conduct a thorough investigation into this matter. Should you be unable to provide verifiable proof within XXXX business days following your investigation, I expect the disputed accounts and/or information to be expeditiously removed. 

Enclosed, please find copies of my identification and a utility bill to verify my identity and address. 

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

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I hope this letter finds you well. 

Upon recently obtaining a copy of my credit report, I identified multiple discrepancies that require your immediate attention. These discrepancies include unauthorized inquiries and conflicting information across different credit bureaus. Specifically, the discrepancies pertain to differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The accounts in question are as follows : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX Inquiry Date : XXXX XXXX, 2023 In accordance with 15 U.S. Code 1681e ( b ), which mandates the implementation of reasonable procedures to ensure the maximum accuracy of the information contained in an individual 's report, I request that you provide complete documentation related to these accounts. This documentation should include : The original contract bearing my wet signature. 
Full transaction history from the date of account opening to the present or closure. 
Any other documentation used to verify the accuracy of the accounts. 
Additionally, as stipulated under 15 U.S. Code 1681i ( a ) ( 5 ), in the event that any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is obligated to promptly delete or modify the erroneous information and notify the furnisher of such action. 

I trust that you will conduct a thorough investigation into this matter. Should you be unable to provide verifiable proof within XXXX business days following your investigation, I expect the disputed accounts and/or information to be expeditiously removed. 

Enclosed, please find copies of my identification and a utility bill to verify my identity and address. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2024 Equifax Information Services LLC Subject : Request to Place Fraud Alert on Credit Report Dear Equifax, I am writing to formally request that a fraud alert be placed on my Equifax credit report. 
On XX/XX/2024, I contacted XXXX to place a fraud alert on my credit report. They promptly added the alert and informed me that it will remain on my report for XXXX year. Additionally, XXXX notified me that they would inform the other XXXX major credit bureaus, including Equifax, to add the fraud alert as well. 
Enclosed with this letter is proof from XXXX indicating that they have placed a fraud alert on my credit report and notified XXXX. I am pleased to inform you that XXXX added the fraud alert as soon as the next day. However, it has come to my attention that Equifax has not yet placed a fraud alert on my report for the requested duration of XXXX year. 
Enclosed with this letter is proof that the fraud alert has been in place with XXXX and XXXX since XX/XX/2024. Additionally, I have enclosed my document identification for your verification. 
Given the circumstances, I kindly request that Equifax place a fraud alert on my credit report as soon as possible. This measure is critical in ensuring my credit report is monitored for any unauthorized activity, thereby protecting my personal and financial information. 
Thank you for your prompt attention to this matter. Please confirm the addition of the fraud alert by responding to my contact details provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 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 payments for the account XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 in months that are reported late to be removed. 

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 XXXX  days before the payment due date. 


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


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

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

Delete the late payments from my consumer reports

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 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In 2004 I purchased a rental property located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Soon thereafter I had tenants living in the property and a check from Wells Fargo in my name was sent to this address. The " check '' was some type of instant loan that I had never requested. The tenants found a way to cash said check and then the debt obviously went bad as I did not even know about it. Since that time I have been XXXX  and XXXX  for collection of this debt even though Wells Fargo has been in receipt of proof that this debt is not mine for XXXX  years. Most recently, the deceptive practices of XXXX have brought this back to the surface. No one, over XXXX  years has been able to provide me with proof this debt was mine, in fact the last go around Wells Fargo provided a different debt company with what I sent to prove the debt was not mine.

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 2024-07-16 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 discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-07-16 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: SC

Complaint narrative:
Victim of XXXX XXXX. Report has been filed along with 605B. XXXX, XXXX, and Transunion have been notified twice about this matter!

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 2024-07-16 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 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 payments for the account XXXX XXXX  ACCT : XXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP
State: OH

Complaint narrative:
I've tried to start an account with XXXX XXXX and they changed my account from me being able to use checking to just being an savings account. They said they did this because they received an flag from key bank stating something about an account i've opend with them. And i have never had any other checking account other than XXXX. So they sent me the paper work from XXXX XXXX  so they i can get everything settled and disputed so that i could be able to use my XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 in months that are reported late to be removed. 

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 XXXX  days before the payment due date. 


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


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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 in months that are reported late to be removed. 

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 XXXX  days before the payment due date. 


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


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

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

Delete the late payments from my consumer reports

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