vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX I was able to secure a loan from Affirm with a total credit line of {$3600.00} with their merchant partner XXXX with a down payment of {$340.00} with payments of {$190.00} monthly until XXXX XXXX after making a purchase on the XXXX website for {$1900.00} with an interest rate of {$390.00}. This was completed after I updated my phone number on my extended fraud alert with XXXX on XXXX XXXX .I was able to keep this credit account in good standing by making timely payments as agreed. I attempted to access my Affirm credit line again with XXXX on XXXX XXXX but was unable to for some reason so I called the customer service line for Affirm at XXXX. I was then told by reps that it would update within seven days or roughly a week which never happened. I attempted to make a purchase again on the XXXX app and opted to use the Affirm tab as a payment option on XXXX XXXX. However, upon checkout, I came across a screen stating that I would get a text or a call from Affirm to confirm my identity which I never received. I then called the Affirm customer service line and was informed by both reps and supervisors that they would call me at the number on file which never happened. On XXXX XXXX, after having spoken to reps and supervisors, I finally found out that Affirm was calling me at the incorrect number which is XXXX which I told them is no longer my number. I even informed them that on or around XXXX XXXX, I updated the number on my extended fraud alert with XXXX to XXXX and based on my conversations with both Affirm reps and supervisors, they had been using the old number XXXX which apparently they have not updated despite conferencing them in with an XXXX rep on or around XXXX XXXX who confirmed on the recorded line that the new number on my fraud alert has been updated since XXXX XXXX to XXXX. I called Affirm again that day and was informed that they will escalate the issue and I will receive an e-mail alert regarding the issue which I have not received yet after 3 days. I was also advised by XXXX that Affirm needs to get a copy of my updated credit alert which they have not done so. I called Affirm again today, XXXX XXXX, and sadly, both reps and supervisors gave me misleading information, I even informed the supervisor that I no longer feel secure doing business with Affirm due to the fact that they have an incorrect number on file which they have not yet updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a collection letter from Midland Credit Management on XX/XX/XXXX stating that an account was in collections in my name from XXXX XXXX for {$610.00}. I contacted the bank, since I'd never heard of them nor ever received a statement from them. They sent me information that this account had been opened in XX/XX/XXXX with my name living in another state. It was paid on a couple of times before XXXX sold it to Midland Credit for non-payment. I was told that I had to state my case solely with Midland Credit. They determined that the debt was indeed not mine. I have been unable to have this removed from my credit report. XXXXXXXX XXXX placed a delinquent account on my credit report and say they can't remove it because they sold the account to Midland Credit. Midland says they can't remove it because they didn't place it. I have many complaints about this with XXXX and other credit bureaus, but they say their information is accurate even though I've sent a copy of the letter from Midland Credit Management stating that this isn't my responsibility. I want this fraudulent information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I WAS A VICTIM OF FRUAD LAST YEAR HAVE BEEN IN CONTACT WITH THE COMPANY LOCAL PD 3 CREDIT COMPANY TRY TO RESLOVE THIS ISSUE I HAVE A XXXX IN REPORT STATE THAT I HAVE BEN ONE IN WISH TO GET REMOVED I DID NOT AUTHORIZE THESE INQURY WISH TO BE REMOVAL PLEASE AND THANK YOU

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 informationisinaccurate.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

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 informationisinaccurate.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NC

Complaint narrative:
My account with XXXX TRANSUNION 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 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. 


XXXX TRANSUNION 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. It is my understanding that you will reassess the validity of these items with the creditor responsible for their inclusion. Please eliminate any information that the creditor fails to substantiate. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter.

Kindly provide an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you send notifications of any corrections made to anyone who obtained my credit report within the past six months.

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX asked the XXXX credit reporting agencies to investigate numerous accounts due to the information being inconsistent amongst all three reporting agencies. This was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX All three reporting Agencies responded back as " verified '' as the conclusion to their investigations. On XX/XX/XXXX I asked for methods of verification and I haven't received the information requested since then. This was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested the methods of verification again via mail. his was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I requested that these accounts are REMOVED from my credit profile if the information requested is not provide within 30 days.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX asked the three credit reporting agencies to investigate numerous accounts due to the information being inconsistent amongst all three reporting agencies. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX All three reporting Agencies responded back as " verified '' as the conclusion to their investigations. On XX/XX/XXXX I asked for methods of verification and I haven't received the information requested since then. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested the methods of verification again via mail. his was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I requested that these accounts are REMOVED from my credit profile if the information requested is not provide within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Uplift , Inc reported to XXXX a balance of {$70.00} on XX/XX/XXXXXXXX  and has been marking the debt as a charge off from XX/XX/XXXXXXXX  to XX/XX/XXXX. This information is incorrect. I never received a letter informing me of a balance. The account was set to auto draft and a paid the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MI

Complaint narrative:
I received a debt notice dated XX/XX/year> in re : transactions that were not made by me. I never gave written consent to XXXX XXXX XXXX, XXXX XXXX XXXX, nor XXXX XXXX to report or furnish my information on my consumer report or any other entity.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good morning I have received a new dispute report result with 10 min of the dispute. I also added the email with copy of the result. 
I also complaint to the other 2 credit bureaus and XXXX and XXXX have remove most of my incorrect information inquiries with updated address. 
Equifax is not following the credit reporting rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer righst to privacy and confedentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U.S. Bankruptcy Court XXXX XXXX 15 U>S>C> 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency account furnish an account without my written instructions.

15 U.S.C. 1681c. 9 ( 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 antidates the report by more than seven years.

15 U.S.C. 1681 S-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: OH

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card, account XXXX have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( correction of inaccurate information ) and 15 U.S. Code 1681s-2 ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided

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 2024-10-15 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: TX

Complaint narrative:
I received notification from Transunion on XX/XX/XXXX that XXXX XXXX XXXX XXXX reported me 30 days late in XX/XX/XXXX. However, I have never been late and the attached credit card statement show my XXXX payment was received on XX/XX/XXXX. The payment was due XX/XX/XXXX per statement attached. I personally went to the bank to resolve this issue and the Customer service rep was confused why this was reported. They advised me to dispute this 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 non-monetary relief
Consumer complaint received 2024-10-15 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: TX

Complaint narrative:
I received notification from XXXX on XX/XX/XXXX that XXXX XXXX XXXX XXXX reported me 30 days late in XX/XX/XXXX. However, I have never been late and the attached credit card statement show my XXXX payment was received on XX/XX/XXXX. The payment was due XX/XX/XXXX per statement attached. I personally went to the bank to resolve this issue and the Customer service rep was confused why this was reported. They advised me to dispute this as well.

Company response to consumer: Closed with non-monetary relief