vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: PA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-22 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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 was completely blindsided this morning when I saw incorrect accounts on my credit reportI have no idea how they got there. I check my credit report regularly, and suddenly, these mistakes appeared. I tried refreshing my browser, hoping it was just a tech issue, but nothing changed. The errors remained, and now XXXX really worried. XXXX asking that the documents I sent be thoroughly checked so I can stop worrying about this happening again.

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 2024-08-22 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-08-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-22 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: AL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
I just recently looked at my credit report I seen a hard inquiry that did not have permissable purpose ( XXXX XXXX ) between XXXX XXXX This Inquiry has no permissible purpose to be on my report.Delete this inquiry due to violation 15 USC 1681b

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 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I accidentally transferred money from My cash app account to my bank on XX/XX/XXXX. On XX/XX/XXXX a filed a dispute with my bank for them to refund me the money. On XX/XX/XXXX my bank sent a letter of confirmation saying my dispute was successful and that they refunded the money back to cash app and that cash app would be responsible for putting the money back into my account and that the bank would not be liable anymore. Well I still do not have the money in my account and I have opened case after case with cash app and all they say is theres not enough information and they close the case. Ive provided the confirmation letter to them, the transaction id, the trace id, and the merchant operator code that my bank gave me that was associated with the refund to help them locate the funds and put them in my account so for them to say they do not have enough information is laughable. They are just trying to steal my money. Please help me. Cash app is doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
On XXXX XXXX, I was contacted by a debt collector by the name of XXXXXXXX RENT DEBT! Located at XXXX XXXX XXXX, XXXX TN XXXX, stating I owed rent at my old apartment which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX! I let them know that this was an error! I did asked them to send me a summary of the account, they emailed me a list which stated that I didnt pay rent for 2 months! In return I sent them the receipt where I did in fact pay rent! In mid XXXX they put the collection on my credit which made my score decrease XXXX points! I was in the mist of looking for another apartment but kept getting denied because of my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am writing this complaint because I noticed a debt has been furnished on my consumer reports by a debt collection agency by the name of LVNC FUNDING LLC and its partner company RESURGENT CAPITAL SERVICES L.P . These collection agencies did not properly notify me of the alleged debt they are claiming I owe because I did not receive any letter from them in the mail regarding the alleged debt, they claim I owe. I was not given a chance to dispute the debt before they put it on my consumer reports with the NCRAs and I was not given the disclosure that it was an attempt to collect a debt. I have not been given enough information to verify the alleged debt at all. This considered a violation of the Fair Debt Collections Practices Act considering the lack of proper procedure. I searched to verify this company and did not see a license for both companies to collect in the state of Tennessee where I reside. I want them to leave me alone. They are ruining my general reputation and credit worthiness by furnishing unvalidated debts to my credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Late Payments Reporting on Affirm Inc. Account, Cease and Desist Request, & Complaint Filed with CFPB Dear XXXX Dispute Resolution Team, Account Information : Creditor : Affirm Inc . 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : Paid Off Status : Paid, Closed Reported Late Payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) I am writing to formally dispute the inaccurate reporting of two late payments on my Affirm Inc. account, as reflected in my XXXX credit report. These late payments are erroneously listed for XX/XX/XXXX and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally obligated to ensure that all information on consumer credit reports is accurate, complete, and verifiable. I have thoroughly reviewed my records and found no valid documentation to support these late payments. Furthermore, the account was fully paid off as of XX/XX/XXXX, and is listed as Paid, Closed. 

In light of these inaccuracies and the damage they are causing to my creditworthiness, I demand the following actions : Cease and Desist : Immediately cease and desist from reporting any inaccurate or unverifiable information regarding this account, including the alleged late payments for XX/XX/XXXX and XX/XX/XXXX. 

Investigation and Correction : Conduct an immediate investigation into the accuracy of these reported late payments. If you can not substantiate the claims with credible evidence, I demand that these late payments be removed from my credit report without delay. 

Non-Communication Request : I also request that you refrain from any further communication regarding this matter except to notify me of the outcome of your investigation or to confirm the removal of the disputed information from my credit report. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which provides consumers with the right to limit communications from debt collectors. 

Please find enclosed any relevant documentation that supports my claim. I expect a resolution to this dispute within the timeframe specified by law, as outlined in the FCRA. 

In addition, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Failure to comply with these demands may result in further action, including but not limited to additional complaints to regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance and a satisfactory resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: Experian Information Solutions 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 explanation
Consumer complaint received 2024-08-22 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: MO

Complaint narrative:
To whom it may concern, This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by XXXX XXXX XXXX XXXX, repossessed in the state of XXXX XXXX 
Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATER a XXXX o * $ XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF XXXX COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercia reasonable manner of the notification and resale of the subject vehicle. If no such proof is not provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCP and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes recodes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified.

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 2024-08-22 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: MO

Complaint narrative:
To whom it may concern, This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by XXXX XXXX XXXX XXXX, repossessed in the state of XXXX XXXX 
Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATER a XXXX o * $ XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF XXXX COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercia reasonable manner of the notification and resale of the subject vehicle. If no such proof is not provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCP and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes recodes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified.

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 2024-08-22 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: VA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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