vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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. 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!

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 2024-10-11 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: GA

Complaint narrative:
I am Writing to request Formally the removal of a Bankruptcy entry on my credit report I understand the Bankruptcy does not Report Directly to the credit agencies given that the reported information may not be accurate or complete, I Respectfully ask that you investigate and remove the Bankruptcy entry from My Credit Report.

I appreciate 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 2024-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked what their procedures are if someone is going through a data breach and is experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed ID theft affadavit which I will attache here. The latest data breach has come from XXXX. I also filed complaints with XXXX  and the Attorney general for consumer protection. 


XXXX XXXX XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX CCB XXXX Inquires not authorized : XXXX XXXX Miscellaneous, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account name XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX sold - Date opened XX/XX/year> Status updated XX/XX/year> Account type Debt Buyer ( FRAUD AND IDENTITY THEFT ) Status Collection account. {$38000.00} ( XXXX XXXX AUTHORIZED ) past due as of XX/XX/year>. ( UNVERIFIABLE ) Balance {$38000.00} ( UNVERIFIABLE ) Balance updated XX/XX/year> ( UNVERIFIABLE ) Original balance {$38000.00} ( UNVERIFIABLE ) Monthly Payment - Past due amount {$38000.00} ( UNVERIFIABLE ) The debt buyer reporting on my credit report has inaccurately listed a debt that I do not owe. This debt is fraudulent and a result of identity theft, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692e, which prohibits false and misleading representations of a consumer 's debt. Additionally, this debt is unverifiable and inaccurately reported, violating the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), which requires that all information on my credit report be reported with maximum possible accuracy. The unauthorized use of my personal information and reporting of this false debt constitutes an invasion of my privacy under 15 USC 1692c, further damaging my creditworthiness. Under 15 USC 1681n and FDCPA, I am entitled to seek compensation for the harm caused by this misrepresentation and violation of federal law. This debt must be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank of America has closed my checking account, saving account and XXXX credit cards without a reason. I'm a honorable veteran and I've been using Bank of America since XXXX, so that's been XXXX  years. My account has never had any unexplained money enter my account, and no large amounts have been transferred in or out to individuals. My checking account is used to collect rent on the house and pay credit cards and receiving salary checks. My savings account is never used.I called them, but they didn't tell me any reason. Just told me that my account has been closed. I tried to open a chase checking account, but I can't open one now. Please help me. Thanks

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 monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XXXX, I call Equifax because I wasnt able to access my credit report. After that 30 min call, was told I need to mail my original social security card to confirm I am who I say I am. I explained that I already uploaded my drivers license which has my current address ; and I uploaded my passport. I also explained that I submitted my court name change document signed by a judge & notarized. Very frustrating call. I called back the same day at XXXX XXXX  to get the website to upload my info again because mailing that type of information is not secure and will subject me to more identity theft with fraudulent activity. The gentleman was helpful and said that he can authenticate me over the phone saw the info XXXX sent ; and I gave him all the information needed. He kept saying the year of XXXX and I kept correcting him and told him to look at the documents. He then lifted the restriction and I had access to my credit file. My credit file was due to update XXXX. I went to access it and everything was blank saying I had no credit. Everything was completely erased. It said to call customer service and get the code of XXXX. I called the morning of XX/XX/XXXX and gave that code. They then told me that they are not giving me access until I mail my drivers license. I explain to them that I do not feel comfortable mailing that type of document in the mail and it was already uploaded along with the other documents. Again a very frustrating phone call. They are extremely inconsistent and it depends on who you talk to. I am trying to get a home loan and all the lenders appear to be having problems with Equifax! I am as well. The attached are the documents that I have submitted several times to Equifax and for them to say they dont have it on file although it was verified before being on file is a big red flag which is why I do NOT feel comfortable mailing it directly to them ; copies and especially originals. I feel like their actions are more retaliatory bees use Ive been holding them accountable. They are making me and the lenders jump through unnecessary hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I disputed this information with XXXX prior to repeated phone calls also complain with you # XXXX. Then contacted them again and submitted a identity theft report along with a police report on XX/XX/year> # XXXX. I received a updated reported today and also called them. I am keep being told that those inquiries stem from prior inquiry to me purchasing my vehicle in XX/XX/year>. Which I know was untrue and ask to call XXXX which I did when paying my car note and which I was informed that those companies have no affiliation with them at all. Then XXXX told me to call XXXX back and I did but no change. I called XXXX today and spoke to the fraud department and was told that the inquiries from XX/XX/year> was a previous inquiry to XXXX which it not true. I never applied for a vehicle in XXXX so how could someone know I was looking for a car. I drove XXXX hours out of state to purchase my vehicle and drove it back to XXXX. It make no sense and those inquiries are months apart. It is Identity theft. Me calling, writing letters to dispute, filing complaints etc. I Submitted a Police report and Identity theft report as needed but they refusal is beyond me and is hurting my credit and/ or to obtain credit. 

Please see new Credit Report I received today. Inaccuracies still remain in the brackets

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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 XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX637 ( 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 XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
Im processing disputes on my credit report to delete & remove all invalid an inaccurate information that is reporting to my file. I have been a victim of identity theft. None of the accounts listed are following the FCRA guidelines. This has caused major effects to my credit report please review an remove the accounts listed to clean my credit report asap

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 2024-10-11 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: MI

Complaint narrative:
T o whom it may concern, I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information 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  Please see attached documents

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
In the Experian credit report are many incorrect variations of my name currently listed on my credit report.

Correction of Name Variations These variations are inaccurate and negatively affect my credit history. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information on my credit report, and you are required to investigate and correct any discrepancies within 30 days. The incorrect name variations listed on my report must be removed, as they do not accurately reflect my legal identity. This section of the FCRA mandates that any disputed information be corrected or removed after verification, and that any associated accounts linked to these erroneous variations be addressed as well.

Removal of Outdated and Incorrect Addresses There are several outdated addresses listed on my credit report that do not reflect my current and long-term residence. I have been living on my current address for over 20 years.

Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i ( a ), I am entitled to dispute any inaccurate or outdated information on my credit report, and you are required to conduct a reasonable investigation and delete or correct the disputed information within 30 days. As these outdated addresses are no longer relevant to my credit file, I request their removal in accordance with this section of the FCRA. 

On XX/XX/XXXX i had sent a certified letter to Experian explaining the problems and sending them proofs of my name, address, and my id and social security card.

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 2024-10-11 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:
I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
This complaint is lodged against XXXX XXXX XXXX for falsely reporting details on my LexisNexis XXXX XXXX report. XXXX XXXX has misrepresented two separate claims on my consumer record dating XX/XX/year> and XX/XX/year>. These misrepresentations have caused me to experience a lapse in vehicle coverage and hardships as a result being rendered unable to legally operate a vehicle without paying in excess of double my previous insurance cost. For the accident dating XX/XX/year>, this accident was caused by another driver, evident in both settlement documents and incident reports. For the claim on XX/XX/year>, this claim is already closed out with XXXX XXXX, but they reflect it as an incident on my record despite the claim being closed and merged following my vehicle being stolen the following day. To be clear, these misrepresentations reflect irresponsibility that is not characteristic of myself, and as a consequence any potential future insurers see 3 non-at fault and 1 at fault accident as opposed to an entirely not at fault record, and only 3 incidents. This difference is extremely substantial as it results in approximately {$90.00} in additional premium payments per month. Additionally I find that XXXX XXXX behavior is anticompetitive in that their misrepresentations assured I would continue seeking insurance through their firm as any alternative options would have been too costly, not having seen internal adjustments that XXXX XXXX made but failed to report to LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
Lexisnexis provided false motor vehicle reports to an auto insurance company which caused my insurance premiums to increase by 50 %. They dont provide a timely correction process. My choices were to pay the extra insurance premiums until the motor vehicle issue was resolved.

Company response to consumer: Closed with explanation