vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-05 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: OH

Complaint narrative:
I am writing to follow up on my previous dispute regarding multiple unauthorized hard inquiries appearing on my Equifax credit report. Despite my repeated attempts to resolve this matter, the inquiries remain on my report, causing unwarranted damage to my creditworthiness. This situation is particularly frustrating given that both XXXX and XXXX promptly removed identical inquiries upon my dispute with their respective agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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 XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a 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 payment from my consumer reports XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX has once again reported a criminal history that was expunged over 11 years ago. This is not the first instance where this erroneous reporting has occurred, leading to a denial on a prior application. Such inaccuracies have caused embarrassment and led to unfair judgment. I demand the immediate removal of this information, or I will pursue legal action against the company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
DEAR SIRS, ATTACHED IS POLICE REPORT XXXX XXXX FOR IDENTY THEFT REPORT. ATTACHED ALSO ARE FRAUDULENT ACCOUNTS LISTED NOT AUTHORIZED BY ME, OR APPLIED FOR, PLEASE REMOVE AND DELETE ALL ACCOUNTS SPECIFIED THAT ARE NOT MINE!

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 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX I received an email with loan details and a repayment plan from the company Affirm for the loan amount of {$140.00}. I did not apply for, or inquire about, this loan. I called Affirm to discuss this and upon mentioning that this was fraudulent activity, they hung up on me. I then called and filed an XXXX XXXX XXXX with the Federal Trade Commission. The Federal Trade Commission informed me to file a complaint with the Consumer Finance Bureau to see if Affirm would respond via this process. 
I received an additional email on XX/XX/XXXX indicating that I have a payment for this loan due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 studying 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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies for their failure to properly verify and remove inaccurate accounts from my credit reports. I initiated a dispute with the credit reporting agencies regarding the presence of inaccurate information on my credit reports. However, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response. 

I am deeply concerned about the lack of communication and action from the credit reporting agencies in resolving this matter. The inaccurate accounts on my credit reports have had a detrimental impact on my financial standing and creditworthiness. It is essential for these inaccurate accounts to be promptly removed to ensure fair and accurate reporting. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I urge you to hold the credit reporting agencies accountable for their failure to properly verify the disputed information and provide a timely response. It is crucial that these agencies comply with the Fair Credit Reporting Act and take immediate action to remove all inaccurate accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: MI

Complaint narrative:
Dear equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. THERE NO NOTICE OF DISPUTE 2. Different last payments from XXXX  & EQ 3. The payment history have no late payments so the account status is incorrect. 
4. LATE PAYMENT STATUS ON EQ SHOWS 60 days MAYBE UPDATED TO 80 days late BUT THE ACCOUNT WILL STILL BE INCORRECT CAUSE XXXX REPORT 90 days late. 
5. DIFFERENT OPENING DATES : XXXX HAS XXXX EQ HAS XXXX. Wrong information 6. Remove account due to incorrect or inaccurate information FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account was listed as closed on XX/XX/XXXX due to a repossession. My account is not closed and my car was not repossessed. I reached out to them to ask them to report the correct information to the credit bureaus. They are refusing. I want them to show proof of my car being repossessed in XXXXXXXX XXXX XXXX. I want them to prove what they are saying about my account.

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 2024-03-05 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: TX

Complaint narrative:
My account was listed as closed on XX/XX/XXXX due to a repossession. My account is not closed and my car was not repossessed. I reached out to them to ask them to report the correct information to the credit bureaus. They are refusing. I want them to show proof of my car being repossessed in XXXX of XXXX. I want them to prove what they are saying about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was listed as closed on XX/XX/XXXX due to a repossession. My account is not closed and my car was not repossessed. I reached out to them to ask them to report the correct information to the credit bureaus. They are refusing. I want them to show proof of my car being repossessed in XXXX of XXXX. I want them to prove what they are saying about my account.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: NC

Complaint narrative:
In acordance with Fair credit Reporting Act ; these accounts has violateAd my federal protected comsumer rights to privacy and confidentiality under 15 USC 1681. accounts 1. XXXX XXXX XXXX XXXX , 2.XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4. XXXX Rights violated :15 USC 1681section 602 right to privacy 15USC 1681 sec 604 sec states a cusmer reporting agency can not furnish a account without my written instructions.15USC 1861 ( c, a,5 ) no CRA may make any consumer report contain any information adverse other than record of conviction. 15 USC1681 s-2 a,1 a person shall not furnish any CRA if person know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Waiver of Late Fee and Correction of Credit Report Due to Repeated Account Number Changes Dear Comenity Capital Bank and Consumer Financial Protection Bureau : I am writing to bring to your attention a recurring issue with my account that has not only caused undue financial stress but also negatively impacted my credit score. On XX/XX/XXXX, I was charged a Late Fee of {$40.00}. This charge was unwarranted as I have been facing continuous challenges with my account, primarily due to repeated changes in my account number by Comenity Capital Bank. These changes have made it exceedingly difficult for me to register for and access my account online, consequently hindering my ability to make timely payments. 

Despite these obstacles, I was finally able to register and access my account on XX/XX/XXXX, the very day I made a payment. However, to my dismay, I was still charged a Late Fee. It is imperative to highlight that this issue is a direct result of the bank 's actionschanging my account numbers and affecting my access to online banking. 

Enclosed with this letter, you will find a copy of a previous letter dated XX/XX/XXXX, detailing similar issues, alongside screenshots from XX/XX/XXXX, evidencing my successful registration and payment on that day. Although Comenity has refunded a previous late fee of {$29.00}, they have refused to remove the negative mark from my credit report. 

Given these circumstances, I am requesting the following actions be taken : The immediate waiver of the {$40.00} Late Fee charged on XX/XX/XXXX. 

An update to my credit report, ensuring it reflects that my account is not late and is in good standing. 

An investigation by the Consumer Financial Protection Bureau into Comenity Capital Bank 's practices of changing account numbers, which appears to be a tactic to lock customers out of their accounts, thereby leading to unwarranted late fees and negative credit reporting. 

I fear that without intervention, Comenity Capital Bank may continue this practice, further affecting my and potentially other consumers ' financial well-being and creditworthiness. I believe this matter requires urgent attention to prevent further injustices. 

Thank you for your prompt attention to these matters. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX Enclosures : Letter from XX/XX/XXXX Screenshots from XX/XX/XXXX Additional documentation as referenced

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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 studying 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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XXXX, XXXX XXXX - XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies 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 non-monetary relief
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
Subject : Urgent : Credit Report Errors and Consumer Rights Violations Complaint Dear Sir/Madam , I'm writing to dispute inaccuracies in my credit report and file a complaint against the debt collection agency and credit bureaus involved. My issues include : 1. Closed accounts reported as open.

2. Illegal attempts to collect charged-off debt.

3. Wrong late payment entries.

4. Non-compliance with FCRA reinsertion notification requirements.

5. Dismissal of my verification request as " frivolous. '' 6. Prohibited inclusion of income information.

7. Unauthorized sharing of my personal information.

8. Lack of required 1099C or 1099A forms from XXXX XXXX XXXX XXXX. 

There are also inaccuracies regarding account dates and a failure to report correctly, violating my privacy and consumer rights as per various sections of the USC.

15 U.S. Code 1666b 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ).

Immediate correction and action are necessary to resolve these serious issues.

See attached for proof of my claims, my credit report and my letter in full detail of this claim and violations of FRCA Sincerely, 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