vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: TN

Complaint narrative:
My account with Experian 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.

Experian 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 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 2024-09-19 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: NJ

Complaint narrative:
I am now demanding the immediate and complete removal of this account from my credit reports As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. 
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
I will never stop doing this as needed since I see that you are not taking action on my concerns. This is my refilling of complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. I have attached also the letter response from XXXX, XXXX that they are deleting or blocking these inquiries but I still these unauthorized inquiries reflecting in my credit reports and continue to damage my credit reputation and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In 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 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-09-19 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: TN

Complaint narrative:
In 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 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : TN CHILD SUP Account Number XXXX XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
Based on, 15 U.S. code $ 1681c-2 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 Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition. Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: KS

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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 in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
I have contacted XXXX and XXXX Bank numerous times between XXXX and today, XX/XX/year>. I spoke to a representative named XXXX between XXXXXXXX XXXX and XXXXXXXX XXXX. She informed me that she could not allow me to speak to the fraud team, and this did not resolve my issue with XXXX Bank reporting an account negatively due to identity theft. 

It appears that XXXX Bank and XXXX Credit Bureau are refusing to honor government regulations, as XXXX is in possession of my FTC.gov identity theft report and other documentation. Initially, on XX/XX/year>, XXXX removed the XXXX Bank account by blocking my credit file, but XXXX Bank instructed them to reinstate it. This has resulted in the loss of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and future potential earnings. 

I request that this account be removed immediately under FCRA regulations.

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 2024-09-19 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: NY

Complaint narrative:
I have contacted XXXX anXXXX XXXX XXXX  numerous times between XXXX and today, XX/XX/2024. I spoke to a representative named XXXX between XXXXXXXX XXXX and XXXX XXXX. She informed me that she could not allow me to speak to the fraud team, and this did not resolve my issue with XXXXXXXX XXXX reporting an account negatively due to identity theft. 

It appears that XXXX XXXX and XXXX Credit Bureau are refusing to honor government regulations, as XXXX is in possession of my FTC.gov identity theft report and other documentation. Initially, on XX/XX/2024, XXXX removed the XXXX XXXX account by blocking my credit file, but XXXX Bank instructed them to reinstate it. This has resulted in the loss of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and future potential earnings.

I request that this account be removed immediately under FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian and XXXXXXXX XXXX numerous times between XXXX and today, XX/XX/year>. I spoke to a representative named XXXX between XXXX XXXX and XXXXXXXX XXXX. She informed me that she could not allow me to speak to the fraud team, and this did not resolve my issue with XXXXXXXX XXXX reporting an account negatively due to identity theft. 

It appears that XXXX XXXX and Experian Credit Bureau are refusing to honor government regulations, as Experian is in possession of my FTC.gov identity theft report and other documentation. Initially, on XX/XX/year>, Experian removed the XXXX XXXX account by blocking my credit file, but XXXXXXXX XXXX instructed them to reinstate it. This has resulted in the loss of a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and future potential earnings. 

I request that this account be removed immediately under FCRA regulations.

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 2024-09-19 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: TX

Complaint narrative:
I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely impacted my life and caused considerable stress.

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 2024-09-19 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: CA

Complaint narrative:
In 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 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: PA

Complaint narrative:
Consumer formally request the ability to opt out of the below accounts on EQUIFAX consumer report, in accordance with the provisions outlined in 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( a ), and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I understand that I have the right to control the sharing of my nonpublic personal information with nonaffiliated third parties. Specifically, 15 U.S.C. 6802 ( b ) mandates that financial institutions must provide a clear and conspicuous notice to consumers about their right to opt out of such information sharing. Additionally, 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) further detail the requirements for financial institutions to provide consumers with an opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 
Request : I am requesting that EQUIFAX, as a financial institution subject to these regulations, prove EQUIFAX provided the consumer the ability to opt out of the inclusion of certain accounts on my consumer report. This request is made to ensure that my nonpublic personal information is not disclosed to nonaffiliated third parties without my explicit consent. 
Justification : 1. Notice and Opt-Out Rights : According to 15 U.S.C. 6802 ( b ), I am entitled to receive a notice that clearly explains my right to opt out of the sharing of my nonpublic personal information. This notice should include a straightforward explanation of how I can exercise this right.

2. Regulatory Compliance : Both 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) require financial institutions to provide consumers with a reasonable means to opt out of the disclosure of their nonpublic personal information. XXXX must comply with these regulations by offering an opt-out mechanism that is easy to understand and accessible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: MS

Complaint narrative:
Please help me, I have attached supporting correspondence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please help me, I have attached supporting correspondence

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 2024-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Previous Case Number : XXXX XX/XX/XXXX, my {$3000.00} tax refund was deposited into my Cash App account ( XXXX XXXX ), but I lost access due to changes in my phone number and email. After repeated attempts and providing legal ID, Cash App claimed in XX/XX/XXXX that they verified my identity and were awaiting confirmation to transfer the funds to my new account ( XXXX XXXX ). However, I never received instructions to proceed. Separately, Cash App advised me to close another account due to unauthorized charges, and now they refuse to provide my chat history needed for a lawsuit related to those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-19 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: WI

Complaint narrative:
Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " 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 non-monetary relief
Consumer complaint received 2024-09-19 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: WI

Complaint narrative:
Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " 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