vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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:
My account withthose creditors 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 in those account 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.

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 non-monetary relief
Consumer complaint received 2024-08-28 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 studying 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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:
PLEASE BLOCK THIS FRADULENT HARD INQUIRIES 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 explanation
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
PLEASE BLOCK THIS FRADULENT HARD INQUIRIES 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 explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocay group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted. company transunion. please delete the following accounts. XXXX XXXX {$460.00}, XXXX {$460.00}, XXXX XXXX XXXX {$520.00}, XXXX {$3500.00}, XXXX {$1200.00}, XXXX {$520.00}, XXXX XXXX XXXX  {$25000.00}, XXXX  XXXX {$200.00}, XXXX {$990.00}

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 2024-08-28 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: FL

Complaint narrative:
My account with Experian 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.

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.

Experian 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 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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX someone used my card without my permission and added money to an apple wallet - no idea how thishappened Bank of America claim id number XXXX For the amount of {$710.00} I have filed a police report as well

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 monetary relief
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
Hi, this is stressing me out, I value my credit a lot but the inaccuracies in my report has negatively affected my financial opportunities as well as my mental health, hindering me in achieving financial stability.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as a final notice regarding the unverified negative accounts that remain on my credit report, despite multiple disputes and your obligations under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a final notice regarding the unverified negative accounts that remain on my credit report, despite multiple disputes and your obligations under the Fair Credit Reporting Act ( FCRA ).

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 2024-08-28 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: TX

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 non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number XXXX XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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 information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-08-29 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: DE

Complaint narrative:
I pulled a copy of my consumer report and noticed that Equifax has nonmailable addresses on my report. The following addresses need to be removed from my consumer report. Non-mailable Addresses : 1. XXXX XXXX XXXX XXXX XXXX, DE XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given Equifax written and unwritten, verbal and non-verbal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX and Their Legal Representative To : Consumer Financial Protection Bureau XXXX XXXX filing this complaint against Credit Karma , LLC XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and their legal representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for ongoing unfair and deceptive practices. 

Key issues : XXXX. Unauthorized closure of my XXXX account, negatively impacting my credit score. 
XXXX. Failure to adequately address or rectify the unauthorized account closure. 
3. Offering an inadequate {$1000.00} settlement without justification. 
XXXX. Persistent lack of response from their legal representative to crucial inquiries. 

Timeline : - XX/XX/XXXX : XXXX account improperly closed - XX/XX/XXXX : Initial complaint filed with CFPB ( Case # XXXX ) - Fall XXXX : Settlement negotiations begun with XXXX XXXX XXXX XX/XX/XXXX : Negotiations terminated due to inadequate offer and lack of good faith - XX/XX/XXXX ] : Multiple follow-up emails sent requesting confirmation and clarification - As of XX/XX/XXXX : No substantive response received from XXXX XXXX The lack of XXXX from Credit Karma/XXXX XXXX legal representative XXXX XXXX XXXX of evasion and disregard for consumer rights. This behavior exacerbates the original issues and prevents fair resolution. 

I request CFPB to : XXXX. Investigate the unauthorized account closure and its ongoing credit impact. 
XXXX. Examine the pattern of non-responsiveness from XXXX XXXX and their legal representative. 
XXXX. Enforce appropriate remedies, including potential penalties for unfair practices. 

All relevant communication records are available upon request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
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 account listed without my expressed written consent.

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 2024-08-28 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Via FTC Identity theft report, Columbia Debt Recovery was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to XXXX that this debt was valid and XXXX confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with Columbia Debt Recovery bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. Columbia Debt Recovery is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MD

Complaint narrative:
Subject : Request for Assistance in Removing Unauthorized XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit report from XXXX, XXXX, Equifax. The following eight companies have accessed my credit report without my consent, and I have no associated accounts with any of these lenders : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Additionally, I have reached out to XXXX, Equifax, and XXXX to remove these inquiries from my credit reports, but they have refused, directing me to file a report with the Federal Trade Commission ( FTC ). 

These unauthorized inquiries are negatively impacting my credit score and significantly hindering my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling XXXX, Equifax, and XXXX to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter is crucial for my financial well-being, and I appreciate your assistance. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MD

Complaint narrative:
Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit report from Experian, XXXX, XXXX. The following XXXX companies have accessed my credit report without my consent, and I have no associated accounts with any of these lenders : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXXXXXX XXXX have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Additionally, I have reached out to Experian, XXXX, and XXXX to remove these inquiries from my credit reports, but they have refused, directing me to file a report with the Federal Trade Commission ( FTC ).

These unauthorized inquiries are negatively impacting my credit score and significantly hindering my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling Experian, XXXX, and XXXX to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter is crucial for my financial well-being, and I appreciate your assistance. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD 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