vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-14 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: GA

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries 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 2024-10-14 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: FL

Complaint narrative:
Subject : Dispute of Late Payments Under the CARES Act, FCRA, and TILA Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit file. Specifically, I have noticed XXXX late payment entries on my credit report from ( XXXX ), which occurred during the COVID-19 pandemic. These late payments are inaccurately reported and do not comply with provisions under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act Violation : During the COVID-19 pandemic, Congress passed the CARES Act, which allowed consumers to make payment arrangements with creditors without incurring penalties on their credit reports. I had an arrangement in place with XXXX during the period in question. Under Section 4021 of the CARES Act, creditors were required to report accounts as current if a payment accommodation was made during the COVID-19 pandemic. Despite my payment arrangement, these six payments are marked as late on my credit report, which constitutes inaccurate reporting. 

FCRA Violation : As per the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. The inaccurate late payment reporting on my account directly violates this act. Since I was in an arrangement with my creditor during the pandemic, the late payments should not have been reported.

TILA Violation : The Truth in Lending Act ( TILA ) also mandates that creditors and reporting agencies provide accurate and fair information related to credit transactions. Reporting these payments as late, when they were subject to a payment arrangement, constitutes inaccurate and misleading information under TILA.

Request for Action : I kindly request that you : 1. Investigate this matter and verify the accuracy of the reported information with my creditor.

2. Remove the six late payments from my credit report with immediate effect.

3. Provide me with a corrected copy of my credit report once the changes have been made.

Thank you for your cooperation in resolving 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 2024-10-14 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: GA

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: NY

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 2024-10-14 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This Credit Company has multiple inquiries on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the I never applied for any BARCLAYS BANK DELAWARE Bank credit card on XX/XX/XXXX or XX/XX/XXXX it's inaccurate and fraudulent it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times

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 2024-10-14 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 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 non-monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX. account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: Kohn Law Firm S.C.
State: IL

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX served a summons to my home from XXXX XXXX XXXX for a Credit Card Debt. It is said in the summons that I have 30 days to respond, which does not include the day I received the summons. The packet also did not have a verification of debt or a validation of debt it only contains a bill with an address I don't recall living at. Also, there are different dates in the packet and on my credit report for the date this so called credit card was opened. In the packet is states XX/XX/XXXX and on my credit report it says XX/XX/XXXX. 

The other issue is that on XX/XX/XXXX at XXXX XXXX  i received a call from the Law Firm that sent me the summons wanting me to contact them, which was only 3 days after I received such summons they sent to me. Can you tell me what I can do or what needs to be done because none of this is adding up and for them to contact me only 3 days after I got the summons I feel like that is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
An hard inquiry showed up on my credit report on XX/XX/year> from Institution Information : BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I call and spoke with XXXX different representatives, one of which their name is XXXX, ID # XXXX, and they all told me that none of my information such as SS #, DOB or name was in their system under an application or credit card. They all assured me that that company did not run any credit report for me. Then I reach out to all three credit bureaus, XXXX, XXXX XXXX XXXX and they all told me that I needed an Inquiry Deletion Letter from BARCLAYS to get it removed from my credit report. Upon reaching out to BARCLAYS to retrieve this letter the company informed me that since they did not run my credit or had my information in their system they could not provide this letter to me. I went back and forth with the credit bureaus and got nothing accomplished. They all are requesting this letter, which I can not obtain. Plus no one is giving me an explanation on how and why this is on 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 2024-10-14 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Blocking Fraudulent Information under FCRA 605B I am writing to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block the information on my credit report that has resulted from identity theft and fraud. This request is made within 4 business days of receiving this complaint.

The fraudulent information includes the following accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$410.00} XXXX Opened : XX/XX/XXXX Balance : {$88.00} XXXX Opened : XX/XX/XXXX Balance : {$380.00} These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report that shows these fraudulent entries.

I do not recognize any of the accounts, collections, or hard inquiries listed above. They were neither opened nor authorized by me and are a direct result of identity theft and fraud. 

For your reference, I have also included a copy of FTC Identity Theft Criminal Complaint # XXXX, which serves as proof that these accounts, collections, and inquiries are due to identity theft. 

Thank you for your prompt 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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Subject : Formal Debt Validation, Cease-and-Desist Request, and Credit Bureau Reporting Removal To Whom It May Concern, I am writing to formally request validation of a debt that your company claims I owe for XXXX services in the XXXX of {$220.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request comprehensive validation of this alleged debt. 

Request for Debt Validation Under Section 809 ( b ) of the FDCPA, I am requesting that you provide : Proof that IC Systems is legally authorized to collect this debt : Including documentation of the original creditor 's ownership of the debt and any assignment or transfer of the debt to your company. 

Complete accounting of the debt : A detailed breakdown of how the amount of {$220.00} was calculated, including all fees, interest, and other charges. 

Proof of the original creditor 's agreement : Including a copy of any agreement or contract bearing my signature, as well as a full transaction history from XXXX. 

Cease-and-Desist Request Under 15 U.S.C. 1692c ( c ), I also request that IC Systems immediately cease all communications with me regarding this matter, except to provide the requested validation information or notify me of specific actions such as the termination of collection efforts. Continued communication outside these parameters will constitute a violation of the FDCPA. 

Request for Deletion of Credit Bureau Reporting Additionally, if you are unable to fully validate this debt as required by law, I request that any and all information regarding this alleged debt that has been reported to any of the credit reporting agencies ( XXXX, XXXX, XXXX ) be immediately deleted. This request is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that debt collectors only report accurate and fully validated information to credit bureaus. 

If this debt can not be properly validated within 30 days, I expect immediate cessation of collection efforts, removal of all related information from my credit reports, and full compliance with the FCRA and FDCPA. Failure to do so may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Texas Attorney Generals office, and potentially pursuing legal action to recover damages for violations of my rights under both state and federal law. 

I trust that your company will address this matter promptly and in accordance with the law. Thank you for your attention to this issue, and I look forward to your swift response.

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 2024-10-14 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony representative told me the interest rate is charged monthly, not annually

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 2024-10-14 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: FL

Complaint narrative:
My account with ( DPT EDXXXX, XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with capital one 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 reported in ( 30-90 days ) to be removed.

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. 


( DPT EDXXXX, XXXX, XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


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 explanation
Consumer complaint received 2024-10-14 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: NC

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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