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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts 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/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 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 status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts 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/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 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
After a reinvestigation I was looking over my report and I noticed this accounts listed below is not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account was charged off on the following date : XX/XX/year> since then, the account has repeatedly been updated as charged off every month since XX/XX/year>. This is an update in the payment history. A charged off account should not include an active payment history. since then the account has repeatedly been updated as charged off every month. This is an update in the payment history a charged off account should not include an active payment history this inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after I asked you to do it twice and your neglect has violated my rights. I am demanding a deletion of the following account The dates last active are inconsistent across all 3 credit bureaus. 

XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. The dates last active are inconsistent across all 3 credit bureaus. - Delete Account Immediately for violation of 15 USC 1681e ( b )

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 status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I entered a loan agreement for furniture with XXXX The loan agreement states I could return the furniture at anytime without penalty in XXXX I contacted XXXX to try and return the furniture due to financial hardship and they requested I take pictures and send it to them which I did they then said I needed to find a charity and donate the furniture to the charity then send them the receipt showing I donated it. This was not in the contract I even asked XXXX to come get the furniture and they could donate it themselves they refused. In XXXX XXXX reported on my credit report I had a delinquent account with them and I owed money which caused my credit score to drop XXXX points and has hindered me from obtaining credit elsewhere. The agreement states I could return the furniture at anytime without penalty upon me trying to return the furniture they refuse to take it and messed up my credit

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint against Bank of America due to the following violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Service ( IRS ) regulations : a ) Incorrect Reporting of Charge Off : Bank of America has incorrectly reported my account ( # XXXX ) as a " Charge Off '' to the credit bureaus. Despite the account being resolved, Bank of America continues to report this negative information, which has caused significant damage to my credit score. This is a violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers of credit information to report accurate and complete data to the credit bureaus and correct any inaccuracies. b ) Failure to Issue the 1099-C : In addition, Bank of America has not provided me with the 1099-C form required for debt cancellation. According to 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, a creditor must issue a 1099-C if a debt of {$600.00} or more is canceled or forgiven. To date, I have not received this form, which constitutes a violation of IRS regulations and complicates the proper closure of this matter. As a result of the incorrect reporting of the Charge Off and the failure to issue the 1099-C, my credit score has been negatively affected. This has directly impacted my ability to obtain credit and has caused undue financial stress. I have made several attempts to resolve this issue with Bank of America, but they have neither corrected the report nor provided the required documentation. I request that the incorrect Charge Off information on my credit report be corrected immediately, that the appropriate 1099-C for debt cancellation be issued as required by IRS regulations , and that the credit bureaus be notified of the correction to ensure that the negative item is removed from my credit 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my tenant screening report they have an apartment complex on there where the judge dismissed it and they will not remove that off my credit I have the court documents and I will upload it the name of the apartment complex is XXXXXXXX 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 is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a dispute regarding the unauthorized reinsertion of an account on my credit report. The account in question is a XXXX XXXX account ( Account Number : XXXX ), which was fraudulently opened on XX/XX/2022. I previously disputed this account, and it was removed from my credit report after investigation. However, upon reviewing my updated credit report, I discovered that the same account had been reinserted without my authorization and without the required notice, as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to notify consumers within XXXX business days when a previously deleted account is reinserted and must verify the accuracy of the information. I did not receive any such notice, and this failure to comply with the law is a serious violation of my rights. This account is not mine and is related to identity theft. I request an investigation and the immediate, permanent removal of this fraudulent account from 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 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I have identified information that are a result of identity theft .I did not consent to authorize nor benefit from the use of my information being used.

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I noticed that there was an interest payment on my American Express credit card for the last few months. I have been making payments but I was never notified of the running balance. American Express never notified me by email or sent me a statement that I was only paying the minimum payment. 

On all other credit cards, I always pay the statement balance. I am not sure how it is possible American Express is only taking the minimum payment.

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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On my credit record is an erroneous foreclosure for a loan that does NOT belong to me. My deceased mother took out a mortgage with a lender and after her death the paper was sold on that loan. While her estate was in litigation, I contacted the mortgage company advising them of her death and that the estate was in litigation. While going through the legal system, I told the mortgage company that I would have pay on the loan rather than allow it to go into foreclosure. Although I was under NO legal obligation to do so, I continued to pay on the loan. After XXXX of litigation with no resolution in sight, I could no longer justify paying on my mother 's loan. I notified the mortgage company that I would no longer make payments on the loan and foreclosure steps were initiated by the mortgage company. The estate was finally settled 3 years after her death when a buyer for the property was secured paying off the loan avoiding a foreclosure sheriff 's sale. My mother 's executor handled that transaction but my name was used to file a negative report with all of the credit bureaus. I have tried every avenue to have this negative report removed from my credit and all have failed.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Fraudulent Credit Inquiry Dear CFPB, I am writing to dispute several unauthorized inquiries on my credit report that I believe are fraudulent. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information on my credit report, and I am requesting your assistance in resolving this matter. 
Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with these companies, and I suspect that my personal information may have been compromised. I kindly ask that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Please let me know if you require any additional information or documentation from me to assist with your investigation. I appreciate your prompt attention to this matter and look forward to your response. 
Thank you for your cooperation. 
Sincerely, 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 2024-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Fraudulent Credit Inquiry Dear CFPB, I am writing to dispute several unauthorized inquiries on my credit report that I believe are fraudulent. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information on my credit report, and I am requesting your assistance in resolving this matter. 
Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with these companies, and I suspect that my personal information may have been compromised. I kindly ask that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Please let me know if you require any additional information or documentation from me to assist with your investigation. I appreciate your prompt attention to this matter and look forward to your response. 
Thank you for your cooperation. 
Sincerely, 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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