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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Dear CFPB, I am writing to formally request your assistance in addressing ongoing issues I am experiencing with the credit bureau, Equifax XXXX Despite multiple attempts to resolve inaccurate reporting on my credit file, Equifax has failed to provide me with a satisfactory response. On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account reported as a charge-off. However, when I called to confirm the receipt of my dispute, I was informed that they had not received it, which I find questionable. This indicates that Equifax is not taking my disputes seriously. 

For several months, I have been disputing this account, which has multiple discrepancies and errors. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to report accurate information. Despite this, Equifax has continuously reported conflicting information on my credit reports. Each time I raise a dispute, they merely update the account but never address the inaccuracies or provide a satisfactory investigation outcome, stating only that the account has been verified. 

The issues I have identified include : File Number : XXXX Date : XX/XX/XXXX Details : Date Closed : XX/XX/XXXX Date First Delinquency First Reported : XX/XX/XXXX ( indicated as contradictory in file XXXX ) Date of Last Payment and Activity : Unknown Account Past Due : Unknown File Date : XX/XX/XXXX Confirmation : XXXX Details : Date Closed : XX/XX/XXXX ( contradictory to XX/XX/XXXX in file XXXX ) Date Last Payment and Activity : Unknown Amount Past Due : Unknown Contradictory Dates : The account closure dates differ in various XXXX and XX/XX/XXXX. 
Inconsistent Reporting of Delinquency : The date of the first delinquency is listed as XX/XX/XXXX, yet there is conflicting information in different records. 
Missing Information : Key details, such as the date of the last payment, last activity, and past due amount, are marked as Unknown, leaving gaps in the accounts history that make it difficult to verify accuracy. 

I respectfully request that the CFPB take action to ensure Equifax conducts a thorough review of my dispute and adheres to the FCRA requirements to report 100 % accurate information. Equifaxs repeated failure to investigate and correct these errors has caused undue hardship and frustration.Thank you for your attention to this matter. I hope that with your intervention, Equifax will be held accountable for their obligations under the FCRA and provide an accurate resolution to my dispute ( see all documents attached ) Sincerely, 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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

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 XXXX  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. Please see the attached file for what I am complaining about and take immediate actions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 XXXX  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. Please see the attached file for what I am complaining about and take immediate actions.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have lof in credentials for myequifax. When I log in and attempt to freeze or unfreeze my credit it says We are temporarily unable to retrieve the status of your security freeze. Please try again later. It has been this way for over a year. Everytime I have to call Equifax to make changes. I have shared the issues and they state they are sending to IT to resolve. We have changed my user name, we have deleted my account and readded it. Each time I call they leave me on hold for over an hour for a supervisor. They are not doing anything to resolve the issue. " Security freezes ( also known as credit freezes ) are federally regulated and allow you to place, temporarily lift or permanently remove a freeze with a username and password. At Equifax, you can manage your freeze online with your username and password after creating a myEquifax account. Placing, lifting and removing a security freeze is free. '' I should be able to log in and easily freeze and unfreeze my credit and would like a resolution as I am not having any issues whatsoever with XXXX or 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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


EQUIFAX 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 1002 and It was never provided.

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


Update the late payments from my consumer reports

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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I called syncrony Bank regarding an account. They stated that the only account they had was a paypal credit account with my social security number but incorrect name. And that the account was opened in XXXX payments were made however the account was sold to a XXXX XXXX XXXX XXXX during XXXX in XXXX they started the process. How can they sell an account during XXXX and how can they do that without informing the right party. 
There is no contract with this XXXX XXXX XXXX XXXX who served papers and even used a shadylegal company coming to my door knocking like criminals. I asked Syncrony bank for detailed information as that is not my name. If they have something with my name then use my correct name. Many people do not know what happened during XXXX The name it is under is XXXX XXXX which does not exist noone with the name of oruc never existed never will - my name is XXXX XXXX with the social number ending in XXXX they are using. I want all documents

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: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
DATE : XX/XX/XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX My vehicle XXXX XXXX XXXX was repossessed from XXXX XXXXXXXX XXXX  on XX/XX/XXXX because I was XXXX XXXX XXXX and defaulted on the loan to buy the vehicle. I contacted USAA and spoke to a representafive XX/XX/XXXX who reassured me that she would notate my account that I would be making a partial payment that week and that I was going through a hardship. I thought my car was stolen, I even have a police report and pictures of tire marks. It wasnt unfil several weeks later that I found out that my car was reposed. I never received any mail stating this would happen. When I checked my account, I saw that payment was not taken. 

I demanded in a certified letter USAA return to me all of my personal property ( professional tools, gym bag, WEDDING ring in center console, monies in door and console, mail, 2 rocking lawn chairs, tools, party supplies, beats headset that where in the vehicle along with the tags immediately. My personal items are very valuable. I have never received any noTice from repo company or USAA about my personal belongings.

USAA does not have a right to keep my personal property or to charge me a fee to recover it. They have a secured interest in the vehicle only ; my personal property is unsecured. If they do not return my personal property, they are liable for conversion, negligence, and remedies provided by the Uniform Commercial Code. See RCW 62A.9A.625.

Contact me as soon as possible to tell me when I will receive my property and the vehicle tags.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX This account is reporting on my credit report to all 3 credit bureau as Account charged off. {$22000.00}, written off. {$24000.00} past due as of XX/XX/year>. 

I have yet to receive a 1099-c form which I have requested. I am concerned this is some fraud going on with this account. Due to the reporting on my credit? If not actually written off why is it reporting as so on my credit report that is in violation of the fair credit act.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX This account is reporting on my credit report to all XXXX credit bureau as Account charged off. {$22000.00}, written off. {$24000.00} past due as of XX/XX/year>. 

I have yet to receive a 1099-c form which I have requested. I am concerned this is some fraud going on with this account. Due to the reporting on my credit? If not actually written off why is it reporting as so on my credit report that is in violation of the fair credit act.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I received a bill, called the collection agency because I dont recognize the XXXXXXXX XXXX  or Affirm Inc. some personal information they confirm with me its NOT mine, I do not owed this company. The XXXX XXXX XXXX, asked me to make this report, which I had no idea it existed. Please help with this matter, thank you

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: CO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

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: FL

Complaint narrative:
On XX/XX/year>, I discovered that there was a freeze issued on all 3 credit reports because I applied for a credit card after getting out of the XXXX. After contacting all 3 credit bureau 's, it was told to me that the info on my reports is totally different from mine and to submit drivers license, birth certificate, bill of some kind with my name etc, and copy of social security card. I submitted documents to all 3 credit bureau 's and XXXX was the only credit agency that corrected the info and resolved the issue instantly after proving my identity. I have been repeatedly trying to solve this issue with Equifax and XXXX since XXXX because they refuse to resolve this matter by keeping the freeze on my credit file after submitting all required documentation proving my identity so that I can start building my credit. I never wanted to build a credit file until now because I lived in XXXX housing, bought my cars with cash and never wanted a credit card until now. I submitted my documents 3 times this year only to be told this last time, XXXX XXXX, that documentation was not received. I know that they received these documents because I paid to mail priority mail with signature proving that mail was delivered after confirming correct mailing address. I also wanted to mention that on XX/XX/year>, I spoke to XXXX with Equifax Consumer Affairs ( XXXX XXXX XXXX ) and explained to her that I was recording our conversation as well And i wanted to confirm that Equifax received my documents on XX/XX/XXXX by mail since I was not able to submit anything on their website because they blocked me from submitting anything online. Her exact response ( which I have recorded ) was that " the block on website will never come off until this issue is resolved and she could see that their were documents received on XXXX of this year but could not understand why nothing was done ''. I also want to mention that every time I called into confirm that docs were received and if anything else was needed, Equifax put a mandate on their system that I needed to do an authentication check in order to inquire about my case with them. So I had to take a picture of my driver 's license ( front and back ) as well as take a selfie proving my identity. I did this at least 4 times this month in XXXX. Again, I do not know why Equifax and XXXX refuse to resolve this issue with clearing my credit file and undoing the freeze. I have been denied credit, employment, etc due to their negligence of resolving this matter and I am determined to extra lengths to resolve this.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Approximately 5 weeks ago I contacted Experian to remove 2 non-mailable addresses from my credit report, and as of today they have not provided any assistance in the 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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