vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartialit
y, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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 2024-09-12 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: AZ

Complaint narrative:
I know I pay on time, so Im unsure why this company is showing late payments for specific months. USC 1666b states that billing errors should be fixed and updated to " paid as agreed. ''

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 2024-09-12 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: IL

Complaint narrative:
I am asking for your assistance regarding this incorrect account showing on my credit report. This issue has affected my reputation, and I need your help. Your mishandling of my credit report has caused significant harm due to the false reporting. You must eliminate this incorrect information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-12 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: NJ

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 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 2024-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a flip cell phone from a company named Affirm. The phone was defective, and unable to use. I called them about it before the time was up on returns, and they just down played it. Then I went back and brought it to XXXX to see if they could help me get it activated. The man from XXXX told me to bring it back to them, because it had a line running through it were it closed. I had to contact the attourney general to get them to see some kind of resolution. Affirm agreed to look into the matter, so they asked me for abunch of paper work to include a picture of the screen of the phone. They then said I would hear back from them in 27 days? The only time I hear back from them is to tell me I have an upcoming payment, or they will increase my credit. When I call they just say they will get back to me. It has been months, and I'm still paying on a phone I never used. I believe they were trying to sell me a used, refurbished phone. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Congratulations Experian, you've earned both my sole complaints to the cfpb to date. 

I had a terrible experience using Experian years ago in regards to credit freezing which eventually was resolved after a lengthy process. Currently on XX/XX/year>, when trying to sign into my account, I am given the oops, we're sorry page with their toll free fully automated XXXX number to call. Yeah, I'm sorry too for using your product. As per usual, there's no actual human representative to speak to and the available options do not allow you to resolve the issue by yourself. " Experian is committed to protecting [ my ] personal information '' so well that even I the original owner of said information can't access it. I was able to create new accounts with the other two credit reporting bureaus without issue whereas Experian can't even grant me access to my existing account with them. In the meantime, I will just have to cross my fingers and pray that no one manages to commit identity theft or fraud on my behalf via Experian with this level of " protection ''. It's a wonder they're still allowed to exist. If they weren't one of the big 3 credit reporting agencies, they would long be out of business for their abysmal product support.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted XXXX to formally dispute and demand the immediate removal of inaccurate information on my credit report regarding erroneous collection accounts and late payments, addresses, and names. This letter constitutes my official notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer laws. These entries are disputed as they do not meet the accuracy standards outlined in 15 U.S.C. 1681e ( b ) and violate the requirements of 15 U.S.C. 1681a ( 2 ) ( xi ), which obligates furnishers of information to report accurate information related to consumer debts.

Under 15 U.S.C. 1681i, I demand a thorough investigation into these disputed accounts. XXXX  required to complete this investigation within 30 days of receipt of my request. According to 15 U.S.C. 1681i ( a ) ( 5 ), XXXX  find that the information is inaccurate or can not be verified, it must delete the information from my credit report.

Furthermore, please be advised that under 15 U.S.C. 1692c, debt collectors are prohibited from communicating with consumers under certain conditions, particularly when the consumer is represented by an attorney. Additionally, 15 U.S.C. 1692g mandates that consumers have the right to dispute any debt information. Therefore, I expect your immediate compliance in verifying the accuracy of the reported accounts.

Moreover, should it be determined that any of the disputed accounts were inaccurate or unverified, I expect those entries to be removed from my credit report in accordance with the laws outlined in 15 U.S.C. 1681e ( b ) and the prohibitions against unfair practices as enforced under 15 U.S.C. 1666b for consumer credit protection.

I also remind you of the responsibilities under 15 U.S.C. 1635, which grants consumers the right to rescind certain transactions. Should these inaccuracies fall under this category, I will exercise this right to protect my interests. 
I was informed that they would not removed improper, and non mail able address because they were associated with old accounts. ( Please see attached ) Please be advised that if XXXX fail to resolve this dispute satisfactorily, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and consider legal action against your agency for non-compliance with the FCRA, including potential damages under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance.

This is a formal notification of my expectations for immediate action regarding this urgent matter. I appreciate your prompt attention and look forward to your written response within the legally mandated 30-day investigation period, detailing the actions taken in response to my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-12 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: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit Corporation is in direct violation of my XXXX Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions Penn Credit Corporation was informed THE FOLLOWING account information being FURNISHED to Penn Credit Corporation and reported by Penn Credit Corporation is in fact inaccurate and they continue to report. Penn Credit Corporation is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, Penn Credit Corporation was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. XXXX and XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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 w

hich 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 m
e 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 2024-09-12 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: IL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Dear Citizens Bank, I am writing to seek clarification regarding an issue of identity theft and unauthorized account activity under my name. In May, I became aware of an account opened at Citizens Bank without my authorization, which was brought to my attention after a cashier 's check I had issued was fraudulently cashed through this account. 

I initially reported this issue to my bank, XXXX XXXX  and on XX/XX/year>, I personally visited the branch to process a forged endorsement claim. XXXX XXXX submitted the claim to Citizens Bank on my behalf, but despite this, they were not receiving any response from Citizens Bank. During this time, I also contacted Citizens Bank directly to inform them of the situation. It was at this point that I learned from Citizens Bank that an account had indeed been opened under my name in XXXX, and I was assured that an investigation was underway. 

Citizens Bank has since claimed that the forged endorsement claim was only received on XX/XX/year>. However, I am extremely concerned that, according to the bank statements provided by Citizens Bank, large withdrawals from the fraudulent account continued to occur between XX/XX/year>, and XX/XX/year>, even after the issue had been raised. This raises the question of why the account remained accessible to the individual who stole my identity during that time. 

Furthermore, Citizens Bank stated in their response that the account was opened in person and the signature card was signed. I have already submitted my identification documents, including my signature, to Citizens Bank. The signature used to open the account does not match my own, and given that Citizens Bank uses identity cards as part of their verification process, it should be evident that the person who visited the branch was not me, as my photo is clearly visible on my ID. 

XXXX XXXX has denied my request for reimbursement because Citizens Bank has rejected all of my claims, despite the fact that I have provided all necessary supporting documentation. Additionally, I received a copy of a check payable to the XXXX XXXX District Attorneys Office, with my name mentioned in the memo. I require further clarification regarding this matter as well. 

I kindly request that Citizens Bank provide a thorough and detailed response addressing all aspects of my concerns, as previous responses have omitted key points and lacked the necessary detail. I would appreciate a comprehensive reply that fully explains the situation and outlines the next steps for resolving these matters. 

Thank you for your attention to this urgent issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Alorica Inc.
State: MN

Complaint narrative:
Hello, I previously set up a XXXX XXXX account with XXXX XXXX XXXX XXXX to help pay off my debt. They assured me that as long as I remained current with my payments, they would continue making payments on my existing credit cards. I never missed a single payment. 

However, on XX/XX/XXXX, I received an email from XXXX XXXX XXXX notifying me that they were immediately canceling all future payments. Additionally, they informed me that my debt would be transferred to another lender with different terms, including a fixed term and a significantly higher interest rate than what was promised when I signed up. 

This abrupt and unexpected termination of services has caused considerable hardship for my family and me. For the first time in my life, I have missed a debt payment, despite always maintaining a perfect record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief