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 belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Failure of XXXX, XXXX, and Equifax to block information under 15 U.S.C. 1681c-2 ( a ) I am writing to bring to your urgent attention, a matter concerning the NON-COMPLIANCE of XXXX, XXXX, and Equifax wit

h the provisions set forth in 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information upon notification within four ( 4 ) business days. Regarding the following ID Complaint Numbers, as stated in my earlier email to the
Consumer Financial Protection Bureau on XX/XX/2024 ID-Complaint Number : XXXX ID-Complaint Number : XXXX ID-Complaint Number : XXXX I notified the aforementioned credit reporting agencies of erroneous information that requires blocking under the aforementioned statute. Despite this notification, the agencies have failed to adhere to the statutory timeline and have not blocked the disputed information. 

I thus ask the Consumer Financial Protection Bureau to step in right away to guarantee that my rights under the Fair Credit Reporting Act are upheld since XXXX, XXXX, and Equifax have seriously damaged my finances and reputation by failing to comply with federal law. 

I kindly request prompt action by the Consumer Financial Protection Bureau to investigate this matter thoroughly and to enforce compliance with 15 U.S.C. 1681c-2 ( a ) by XXXX, XXXX, and Equifax. 

My Next action is Legal Ramification against the CFPB as well as all the Credit Reporting Agencies that continues to violate my Consumer protection Rights. 

Thank you for your prompt attention to this matter.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE PROVIDED THE LEGAL DOCUMENTATION FOR FRAUDULENT INFORMATION TO BE REMOVED OFF OF MY CREDIT REPORT. SO FAR NOTHING HAS BEEN DONE FROM THE DATA FURNISHERS NOR HAS EXPERIAN OR XXXX COMPLIED WITH MY REQUEST. ACCORDING TO THE FCRA IF THE DOCUMENTATION HAS BEEN FOUND LEGIBLE AND I HAVE SUPPLIED THE CORRECT DOCUMENTS STATING I AM A VICTIM OF IDENTITY THEFT THE CREDIT BUREAUS ARE SUPPOSED TO REMOVE THIS FRAUDULENT INFORMATION WITHIN FOUR BUSINESS DAYS. 

EXPERIAN NOR XXXX HAVE RESPONDED OR REMOVED THIS INFORMATION MY FTC REPORT NUMBER IS # XXXX. ALSO DOWN BELOW I HAVE INCLUDED ALL OF MY INFORMATION THE FTC REPORT AND MY IDENTIFICATION AS WELL.

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: TN

Complaint narrative:
I reviewed my consumer reports and noticed I had two late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX in XXXX and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I reviewed my consumer reports and noticed I had two late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX  in XXXX and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
After my husband 's death I contacted Bridgecrest on XXXX XXXX, XXXX  to find out what the amount owed on my old auto loan was. I was given am amount of over {$10000.00} and told I could make payments for whatever I could. On XX/XX/year> I received a payoff letter from Bridgecrest that stated the payoff amount was {$1200.00}. I checked their website for option to pay the bill. I then called customer service and told them how I received the payoff letter and was trying to make the payment. The customer service rep advised me that the amount was on the letter was the correct amount and to go to an in-person location to make the payment and the call back with the reference number so they could start getting my credit updated right away. 

I called back after making the payment with the required information. The customer service rep who answered that time seemed confused when I said that I paid the payoff amount. She started " investigating '' the issue. After being on hold for 25 minutes I was informed that there was an administrative error on their part, that the payoff amount was over {$10000.00}, but they were willing to accept the amount paid as the final payment however they would be reporting to the credit bureau as a settlement amount instead of paid in full. Or I had the option to continue to make payments until it was paid in full. 

Since they sent me the payoff letter with the payoff amount, the first customer service rep told me that the amount on the letter was correct while on a recorded phone call, and that was the amount paid, this bill should be paid in full and reported as such to the credit bureaus. I acted on the information given to me. If they made a mistake, then it is hardly my fault. I paid the amount I was told I needed to pay.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
My account with was never late! I have had exceptional payment history with XXXX  XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 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: CA

Complaint narrative:
I did not authorize these activities, and I've taken steps to address the issue, including filing a report with the Federal Trade Commission ( FTC ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : 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 2024-10-14 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: FL

Complaint narrative:
I am filing this complaint regarding my XXXX XXXX  account with XXXXXXXX XXXX XXXXXXXX due to ongoing issues with inaccurate reporting and account tampering. Despite my efforts to resolve the matter, the following issues remain : Inaccurate Credit Reporting : On XX/XX/year>, my XXXX  XXXX  account was reported with two late payments for XXXX and XX/XX/year>, despite the account being settled and showing a balance of {$0.00} as of XX/XX/year>. This inaccurate reporting continues to negatively impact my credit score. The Fair Credit Reporting Act ( FCRA ) requires creditors to report accurate information, but XXXX XXXX  XXXX has failed to comply with this by re-reporting the same late payments that were previously resolved. 

Unauthorized Tampering with My Credit Report : XXXX XXXX  XXXX has repeatedly tampered with my credit report by re-inserting previously disputed late payments, violating the FCRAs reinsertion rules. This has occurred without proper verification or notice to me, which is against the law. Furthermore, I was not informed or consulted during their investigations of fraudulent activity on my account. 

Failure to Address Fraud Concerns : I reported fraudulent transactions and tampering with my account, but the banks investigation did not involve me, and I was not provided with a resolution that addressed the tampering. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be informed during such investigations, but XXXX XXXX  XXXX failed to notify me. 

I am seeking CFPB 's help to have these inaccuracies removed entirely from my credit report, as this issue has persisted despite my previous attempts to resolve it directly with XXXX XXXX XXXX. The re-reporting of false information has severely damaged my credit standing.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding my XXXX XXXX  account with XXXXXXXX XXXX XXXXXXXX due to ongoing issues with inaccurate reporting and account tampering. Despite my efforts to resolve the matter, the following issues remain : Inaccurate Credit Reporting : On XX/XX/year>, my XXXX XXXX account was reported with two late payments for XXXX and XX/XX/year>, despite the account being settled and showing a balance of {$0.00} as of XX/XX/year>. This inaccurate reporting continues to negatively impact my credit score. The Fair Credit Reporting Act ( FCRA ) requires creditors to report accurate information, but XXXXXXXX XXXX XXXX has failed to comply with this by re-reporting the same late payments that were previously resolved. 

Unauthorized Tampering with My Credit Report : XXXXXXXX XXXX XXXXXXXX has repeatedly tampered with my credit report by re-inserting previously disputed late payments, violating the FCRAs reinsertion rules. This has occurred without proper verification or notice to me, which is against the law. Furthermore, I was not informed or consulted during their investigations of fraudulent activity on my account. 

Failure to Address Fraud Concerns : I reported fraudulent transactions and tampering with my account, but the banks investigation did not involve me, and I was not provided with a resolution that addressed the tampering. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be informed during such investigations, but XXXXXXXX XXXX XXXXXXXX failed to notify me. 

I am seeking CFPB 's help to have these inaccuracies removed entirely from my credit report, as this issue has persisted despite my previous attempts to resolve it directly with XXXXXXXX XXXX XXXX. The re-reporting of false information has severely damaged my credit standing.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : 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 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report 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 a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not my information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Truist Dealer Services XX/XX/year>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 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report 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 a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not my information related to any transaction by me as the consumer. 

XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: LA

Complaint narrative:
After reviewing my credit report, I found several inaccuracies, including late payments that don't reflect my typical payment history. Kindly correct these errors and adjust 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I checked my credit report and noticed some errors with the billing, particularly late payments that don't match my usual record. Please fix these mistakes and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XX/XX/year> Subject : Dispute of Fraudulent Account - Account # : XXXX Dear CFPB, I am writing to formally dispute the fraudulent entry on my credit report related to the account listed as XXXX  XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) with account number XXXX. 
This account is not mine, and I believe it has been reported in error or is a result of identity theft. I request an immediate investigation into this matter. Enclosed are copies of relevant documents to support my claim, including FTC report Please take the necessary steps to remove this fraudulent entry from my credit report and confirm in writing that it has been resolved. 
Thank you for your prompt attention to this issue. I look forward to your 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