vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
To Whom It May Concern, I am contacting you about my social security number being compromised. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an attached FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, clearly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this from my report immediately! 

XXXX XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, clearly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this from my report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-24 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: NM

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-24 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm stated that my account went 30 days past due, because my due date was on XX/XX/year> and they said I didnt make my payment until XX/XX/year>. This is incorrect, because my payment was made on XX/XX/year> a day before the XXXX day. It even reflects that in the the Affirm app. Ive attached proof of when payment was made. Also the said the 30 day late would have been for XXXX, but thats incorrect as well. IF I was late which I wasnt that would be reflect for XXXX and not XXXX. My credit report shows XXXX payment made on time and it should reflect as on time for XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausTransUnion, XXXX, and XXXXcontains inaccuracies. For instance, TransUnion indicates that my May payment was not made, while XXXX shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports. 

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. 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 2024-09-24 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: GA

Complaint narrative:
I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausTransUnion, XXXX, and XXXX inaccuracies. For instance, XXXX indicates that my May payment was not made, while XXXX shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports.

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausTransUnion, Experian, and XXXXcontains inaccuracies. For instance, XXXX indicates that my XXXX payment was not made, while Experian shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports.

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA

Complaint narrative:
I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausXXXX, XXXX, and XXXX inaccuracies. For instance, XXXX indicates that my XXXX payment was not made, while XXXX shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports. 

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. Please be aware that any such behavior could be considered XXXX XXXX XXXX XXXX and I will take appropriate legal action. Therefore, please rectify any alleged XXXX XXXX on my credit report by removing any delinquently reported items. 

XXXXXXXX XXXX XXXXXXXX - XXXX " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's OfficeXXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My credit was ran by a company I did not give my approval to, I do not or did not live at the address that was given in the credit application pertaining to this address which makes this inquiry fraud! If I didnt give the approval and the address is not on my credit report and I never lived at this address this inquiry must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-09-24 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-09-24 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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