vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XX/XX/XXXX {$940.00} XXXX  XXXX XXXX {$2200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3400.00} - duplicate XXXX XXXX XXXX XXXX XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$4900.00} - duplicate XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} - duplicate late payment XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MI

Complaint narrative:
COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MI

Complaint narrative:
COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License

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 2024-11-05 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: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
I called Sunrise Credit Services , Inc after I had to collect the collector 's information from my original creditor of XXXXXXXX XXXX as I was never sent any correspondence. I called Sunrise in XXXX of 2024 and set up an agreement with a woman to pay {$310.00} a month until {$4400.00} of my debt was paid, dismissing the remaining amount of my debt. THis was setup as an automatic payment plan. Payments were to begin XX/XX/year> and be paid on the XXXX every month. I was told during this time I would receive correspondence showing the agreement and would receive regular statements by mail after payments were made. I have never received either. I called last month, XX/XX/XXXX I believe, as the payment never came out of my account. I was told by the associate at that time that it came back as declined, but he did not see any reasoning of why with the return. The funds had been available and associate was able to run the payment that day. He corrected the issue for me, so I should have been expecting another withdraw on XX/XX/XXXX. I called Sunrise today XX/XX/year> at XXXX to verify that payment would be coming out, as there was some type or error last month. Associate XXXX told me due to paymnet declination, my settlement has been CANCELED and that he could take payment over the phone today but that was all he could help me with. I explained that I am not sure why this happened, after happening last month also when funds are available. XXXX ran my payment this afternoon and it went through fine. XXXX would not allow me to speak with someone else to ask the reasoning behind this or WHY it was occurring. He only repeated the same information and told me payment declined too many times. He did say yes, it would be better for me to call in and apply payment manually, even though I have had an auto settlement payment plan arranged. I asked that if he took my payment today, if he would be able to send me a receipt or statement and he stated he would have to put in a request for one to send out to me. I asked again for a receipt to please be mailed to me, and he countered for a statement to be emailed to me. He told me about the online services, so I pulled that up while on the phone with him and it requested a Sunrise Account number from me, which I do not recall ever have been provided. I received that from XXXX today and was told statements and any payment history would be available there. This is FALSE. There are NO available documents for me to view online through their portal. This company has yet to provide proof of debt or proof of payments.

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 2024-11-05 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: WA

Complaint narrative:
I noticed an error reporting on my credit report where XXXX and reported a late payment to the CRAs that I paid my account late. I contacted XXXX to correct this because I have been a customer of theirs for XXXX  years, and have always had great payment history. Then, I contacted the CRAs also to fix this error, but they only partially fixed it. 

The problem is that the status shows " paid as agreed '' but it is RED not GREEN, so when I pull my credit report it's showing a derogatory remark. This needs to be fixed ASAP! I'm so tired of contacting these companies repeatedly to fix a mistake they made. It's exhausting and I just need this corrected, because it's impacting my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: WA

Complaint narrative:
I noticed an error reporting on my credit report where XXXX and reported a late payment to the CRAs that I paid my account late. I contacted XXXX to correct this because I have been a customer of theirs for XXXX  years, and have always had great payment history. Then, I contacted the CRAs also to fix this error, but they only partially fixed it. 

The problem is that the status shows " paid as agreed '' but it is RED not GREEN, so when I pull my credit report it's showing a derogatory remark. This needs to be fixed ASAP! I'm so tired of contacting these companies repeatedly to fix a mistake they made. It's exhausting and I just need this corrected, because it's impacting my mental health.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
on XX/XX/year> I requested that the three credit bureaus XXXX, XXXX and Transunion remove the Bankruptcy or sub press it from the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as I am a victim of a recent data breach and identity theft. This incident has resulted in unauthorized accounts and inquiries, negatively impacting my credit standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request that fraudulent information related to identity theft be blocked from my credit report. To support my claim, I have included copies of the necessary documentation, including my FTC Identity Theft Affidavit and an official police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: VA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some fraudulent activity. Please remove these accounts from my report they are damaging my credibility and livelihood.please remove these accounts Immediately! I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). 
XXXX XXXX XXXX Amount XXXX opened XX/XX/year> XXXX XXXX XXXX XXXX Account number XXXX amount XXXX opened XX/XX/year> XXXX XXXX XXXX XXXX amount XXXX opened XXXX XXXX XXXX XXXX XXXX amount XXXX opened 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 2024-11-05 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some fraudulent activity. Please remove these accounts from my report they are damaging my credibility and livelihood.please remove these accounts Immediately! I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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 you receiving this complaint. This false information consists of an unauthorized inquiry with XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: IA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear CCB/BJs Club Customer Service Team , I am writing to address an unexpected report of late payments on my credit file for XXXX XXXX XXXX XXXX recorded as 30 and 60 days late, respectively, on my CCB/BJs Club account . This entry was surprising, as I believed that I had made timely payments based on my statements. Its possible that my monthly statements may not have reached me, leading to an unintentional delay. 

In light of our positive relationship, I respectfully request that you consider removing these late payment entries from my credit report as a goodwill gesture. Additionally, I kindly request a refund of any late fees assessed due to these circumstances, as this was not an intentional oversight on my part. 

In accordance with the Fair Credit Billing Act ( FCBA ), sections 15 USC 1666b and 1681i, I am disputing these entries due to potential inaccuracies. Promptly resolving this matter would not only help maintain my credit standing but also reinforce the positive experience I have had with CCB/BJs Club over the years. 

Thank you very much for your attention and assistance in this matter. I look forward to your favorable response and to continuing my valued relationship with your team. 

Warm regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
unauthorized inquires on my report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 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 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. 1681 -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