vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
My account with XXXX XXXX  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. 


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 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in multiple bogus ADDRESSES and collections on my consumer XXXX credit report. I have attached a list of the accounts in question, as well as a copy of your consumer XXXX credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and collections, that were reported. I did not open, make, or start the aforementioned accounts, collections, addresses on my consumer credit report, which you keep. All of the accounts, collections and addresses listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts, collections, and addresses are the consequence of identity theft and fraud.

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 2024-07-05 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. 
However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information. Specifically, the incorrect payment history. 
Inconsistent Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( XXXX, Equifax, and XXXX ). For instance : XXXX does not report the account. 
Equifax reports the account as 30 days late for the month of XXXX, XXXX, XXXX and XXXX. 60 days past due in XXXX and Ok in XX/XX/XXXX. 
XXXX reports the account as 30 days late for the month of XXXX, XXXX, XXXX, XXXX. 60 days past due in XXXX and Charged off in XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel XXXX and Equifax to delete the incorrect and inconsistent account from my credit report. 
The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio continues to call me about a debt that is at least XXXX XXXX XXXX, well beyond all statutes of limitations. They call me multiple times a day about this zombie debt. I have requested that they stop calling me numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> FIRST XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-07-05 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: TX

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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 explanation
Consumer complaint received 2024-07-05 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: FIRST HORIZON BANK
State: NC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: GA

Complaint narrative:
I traveled down to XXXX since XXXX to take care of my sick father who was on hospice. i kept all my belongings with a friend and when i came back XX/XX/XXXX, i discovered that there have been a couple of fraudulent reporting on my consumer credit report. i made attempts to speak with the companies involved and to speak with the consumer credit reporting agencies that the reports should be deleted and i was advised this morning by a representative of Experian to get in touch with FTC.GOV that transferred me here. I have also sent to Exprerian, XXXX and XXXX copies of my proof of address which is my government issued driver 's license and Social Security Card with Bank statement to prove that the address the companies were reporting is fraudulent and i have no dealing with the address. The companies reporting fraudulent report on my credit report are as follows with the account numbers being reported and all of them use this fraudulent address. A fraud alert has now been placed on my consumer credit report as advised by the consumer credit reporting agencies. 
Below are the list of the fraudulent accounts and the address being used by the companies reporting these fraudulent accounts Incorrect Account being reported ; XXXX XXXX XXXX XXXX, GA XXXX My Address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Fraudulent Accounts ; 1 XXXX  XXXX XXXX XXXX  Account # ; XXXX 2 ) XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX 3 ) XXXX  Account # ; XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX XXXX 5 ) XXXX XXXX XXXX Account XXXX XXXX XXXX 6 ) XXXX XXXX Acount # ; XXXX 7 ) XXXX XXXX XXXX XXXX Account # ; XXXX 8 ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX 9 ) XXXX XXXXXXXX Account # XXXX XXXX 10 ) XXXX Account # ; 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 2024-07-05 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: NV

Complaint narrative:
When the XXXX seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( 2024 ) Transunion under a Federal Lawsuit reporting negative information affecting my credit Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX www.transunion.com/myoptions Information about Your XXXX XXXX In addition to your credit report information, we also obtained your XXXX XXXX from the consumer reporting agency listed below and used it in making our credit decision. Your XXXX XXXX is a number that reflects the information in your consumer report. Your XXXX XXXX can change, depending on how the information in your consumer report changes. 


Your XXXX XXXX : XXXX Date : XX/XX/year> Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your XXXX XXXX : Derogatory public record or collection filed, XXXX since delinquency is too recent or unknown, Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, Proportion of loan balances to loan amounts is too high

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 2024-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently noticed this XXXX XXXX account on my credit report that was opened in XX/XX/year>. This account does not belong to me and I have submitted my Identity Theft Report to all 3 credit buearus. This account shows two different balances of {$5300.00} and {$4300.00}. Which niether belongs to me. I have never had a Capital One in my name. So I'm obviously a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I checked my credit report and it shows a collection account of over {$1400.00}. I never received a letter from the collection agency stating that they owe my debt. They must removed this from my credit reports due to this error in their collection practices.

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 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
There was a former debt collection company that was on my credit for a credit card debt from XXXX. This was disputed and taken off of the credit bureaus. Now without any notice, warning, I received a notice that a new debt collector has filed paperwork electronically to garnish my wages. My HR department has received this. There are no dates, no factual information on amounts it was filed in a county I have never resided. This company name is Brock & Scott , PLLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I attended the XXXX XXXX XXXX Colorado between XXXX and XXXX. My school engaged in misconduct and misled me and other students about job placement rates, graduate salaries, available career services, relationships with industry employers, and the quality of education for our chosen fields. The Department of Education has investigated for years and found evidence of the aforementioned misconduct commited by the XXXX XXXX and has issued full relief for borrowers with federal loans for former AI students. My federal loan balance of $ XXXX has been discharged through BDTR, but I have a remaining balance of over $ XXXX in private loans which I have paid over $ XXXX on since XXXX which I am seeking relief for. Navient has an application for school misconduct discharge for private loans that I filled out and submitted on XX/XX/XXXX and Navient confirmed receipt of this application on XX/XX/XXXX. On XX/XX/XXXX I recieved notice from Navient that my application was denied and the reason they gave was " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' This is not an adequate explanation given the proven misconduct of my school and the harm it caused me that I outlined in my application and that has also been outlined by the Department of Education in their group discharge for former AI students.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.

Please DELETE these inaccurate accounts and unauthorized inquiries in my credit report, and correct/update late payments on the accounts I was never late.

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 2024-07-05 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief