vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Equifax for the account XXXX with XXXXXXXX XXXX XXXXXXXX. Despite sending previous requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit.

Discrepancies in Payment Reporting For the account with XXXX XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly reflects a 30-day late payment in XX/XX/XXXX, a 60-day late payment in XX/XX/XXXX, and a 90-day late payment in XX/XX/XXXX. These are inaccurate since the payments were made on time, and the account was fully managed through autopay. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
I am not sure of the dates but I have spoken to Spring Oak Capital and asked for verification all they send me are the bills. I have asked many times for documentation that I signed an agreement with them to collect on this debt and they will not provide me with this information. I have disputed this with XXXX and they just tell me the debt is accurate but don't tell me anything else or show me any proof. The fact that the account is listed on my credit report as open but is in collections should be enough to get it removed from my credit report along with the missing verification that I agreed to even work with this company. Spring Oak Capital is not even the original owner of this account. So wouldn't I have had to have agreed to work with this company in order for them to collect on this debt. They can't provide the documents that shows that I agreed to work with them so in my opinion it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management has been harassing me over an old debt on and off for a few years now. I tried to set up a payment arrangement with them initially in XXXX but they stopped sending me the payment coupons. In XXXX when they contacted me I tried again to work with them but they were very aggressive about the amount they wanted me to pay, making demeaning comments about the amount I could afford to send each month and trying to insist on automatic payments, which I am unwilling to do. I simply do not trust them to have the authority to automatically make withdrawals from my checking account, which they insist on. Additionally, their system would refuse to take a card payment by giving you error messages and their representatives would then try to bully you into using your checking account. I was able to get XXXX payments to go through in XXXX. I have not heard from them since, until late XXXX when a fake XXXX  envelope showed up at my home telling me I was in Pre-Legal Notification and if I didn't pay the full amount they would have a judgement entered against me and it would be enforceable under state law. This debt is so old it is in my maiden name. I have been married for XXXX  years. I have never received proof I owe this debt despite requesting it from Midland. I believe this falls under XXXX XXXX  year statute of limitations. Additionally, Midland has never provided an itemized breakdown of the alleged debt, which is also required in XXXX. All correspondence from them simply lists a current balance or payoff amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: MO

Complaint narrative:
Not sure if I am in the correct spot or not. Some one is applying for credit with my information. Experian said to file a report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
I have identified information on my credit report that does not belong to me and was not created by me. the identified are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-10-25 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:
I have identified information on my credit report that does not belong to me and was not created by me. the identified are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified information on my credit report that does not belong to me and was not created by me. the identified are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My student loan in the amount of XXXX came off and my score didnt even budge! it's stagnant wont pass XXXX at all I dont know how or what else to do to bring it up this is a total farce and needs to be investigated because when my bills were current and up to date the score stayed the same and it's unacceptable! its a complete run around and when you ask questions you dont get a serious answer what's the purpose of a credit report it serves no purpose at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My student loan in the amount of XXXX came off and my score didnt even budge! it's stagnant wont pass XXXX at all I dont know how or what else to do to bring it up this is a total farce and needs to be investigated because when my bills were current and up to date the score stayed the same and it's unacceptable! its a complete run around and when you ask questions you dont get a serious answer what's the purpose of a credit report it serves no purpose at all

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 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
a Security breach causing my Business Checking Account to be fully taken over by a person not know on XX/XX/year>. they were successfully able to make 3 ACH wires from my Truist business account for a total of {$29000.00}. In 6 years with truist I have send 1 ACH totalling {$3700.00} and they were able to send 3 within minutes without any security measures being taken to decline them. all the while my account was two factor authenticated as I do with all of my accounts. I never got a single notification for any of the ACH 's sent. upon going to the bank I was informed that they were trying to call me and asked the number of which they tried to call. come to find the criminal had changed all of my information and never received any 2 factor authentication messages for these changes either. since finding out about the fraud I have : -Filed Police report with XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) -Filed report with FBI ( XX/XX/year> ) -Disputed Transactions ( XX/XX/year> ) -Affidavit for Truist ( XX/XX/year> ) -Scanned all devices for malware per banks request XX/XX/year> After doing all of this a new account was opened with the banker leaving the unknown criminals information in my profile to access my new account! hadn't I caught the fraudulent profile it possibly could have happened again. it is now XX/XX/year> and I have visited the bank numerous occasions to get updates. I was told they they " escalated the request for answers to the fraud department '' and were no help. I finally received a call on XX/XX/year> stating that the receiving banks were not required to respond to their request to return the funds in good faith and that truist could not demand to receive. This entire time I was waiting on the " fraud department '' at Truist to investigate for me, their customer. Instead after a month and a half I was basically told that they have nothing to investigate without them responding and in order to get answers I would have to go the legal route. I was also told that they " had concluded their investigation '' I would not receive any money back if it was not recovered in an autogenerated letter dated XX/XX/year>. the very day I disputed the transactions in the branch. how was anything investigated the same day?

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 2024-10-25 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2024-10-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: OK

Complaint narrative:
This vehicle account shows closed on two of my bureaus and open on another.

I have asked several times for a DETAILED breakdown of this account and details about when it was sold at auction but not being given the information requested

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 2024-10-25 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: OK

Complaint narrative:
This vehicle account shows closed on two of my bureaus and open on another.

I have asked several times for a DETAILED breakdown of this account and details about when it was sold at auction but not being given the information requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: OK

Complaint narrative:
This vehicle account shows closed on two of my bureaus and open on another.

I have asked several times for a DETAILED breakdown of this account and details about when it was sold at auction but not being given the information requested

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 2024-10-25 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 4. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


8. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: MO

Complaint narrative:
I noticed some billing errors on my credit report showing late payments, which dont reflect my regular payment behavior. Please update and correct these mistakes. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: MO

Complaint narrative:
Per 15 USC 16c-2, I am asking to have all unapproved hard inquiries removed from my credit report, as theyre hurting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and I cant understand how they got there. I always check my report, but this time, there were unexpected discrepancies. I even tried refreshing my browser to see if it was a glitch, but it didnt fix anythingthe unauthorized inquiries are still there. I urgently request a thorough review of the documents I sent so I can have peace of mind regarding 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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX showed two reports from Progressive Mgmt Systems relating to alleged debts owing to XXXX XXXX. I disputed these accounts in XX/XX/year> and they were removed. Now they are back once again, the same entries. 
One account was paid and as to the second, I requested details which were not given. These are also alleged as medical debts and should not appear in any event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation