vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, Number : Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days 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 non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: CT

Complaint narrative:
I applied for a credit builder loan of {$990.00} on XXXX XX/XX/year> and cleared the loan on XXXX XX/XX/year> and another one of {$440.00} XX/XX/XXXX and I successfully paid all payments but they refused to payout as agreed asking for additional documents which I have submitted severally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
XXXX : acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a CFPB complaint and Equifax was contacted. 
Equifax opened a dispute, and these accounts were supposed to be investigated. I received a letter from Equifax Financial Services stating that a file under my SSN could not be located. However, I can view my credit report under Equifax. I do have an Equifax account. I do have an Equifax credit file. I believe this was a stall tactic, and a dispute investigation was not conducted. 

Now, according to the Equifax website, the dispute was closed on XX/XX/year>. I have not received an updated letter or the dispute results by mail. However, according to the Annual Credit Report website under my Equifax report, nothing has been updated and the accounts are not shown as " disputed ''. 

This is a violation of the FCRA. 

Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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 writing to inform you that I have been a victim of a data breach, resulting in unauthorized accounts and inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the fraudulent accounts and inquiries listed below from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NJ

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, resulting in unauthorized accounts and inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the fraudulent accounts and inquiries listed below from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-02 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the following account to be removed : Fraudulent Accounts : 1. Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the following account to be removed : Fraudulent Accounts : 1. Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX  XXXX XXXX, XX/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 2024-11-02 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: FL

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XXXX, XX/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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX BALANCE : XXXX OPENED DATE : XX/XX/year> STATES : RELATIONSHIP TERMINATED - DEROGATORY COMMENTS ON ACCOUNT INACCURATE DEBT OPENED DATE : FRAUD INACCURATE CREDIT LIMIT AMOUNT : FRAUD TERMINATED LINE OF CREDIT BY THE CREDITOR NOT ME CREDIT LINE WAS LESS THAN THE TOTAL HIGH BALANCE OF : {$890.00} *FRAUDULENT CREDIT REPORTING* ATTACHED : AFFIDAVIT OF FRAUDULENT REPORTING CERTIFICATE OF FCRA VIOLATIONS FINE DISPUTE FORM COMPLETED/INCLUDED DIRECT DEPOSIT VICTIM INFORMATION XXXX XXXX IDENTITY ALERT CREDIT REPORT : FOR COLLECTIONS HANDWRITTEN DISPUTE OF ACCOUNT BECAUSE OF FRAUDULENT CREDIT REPORTING RESTITUTION : {$8000.00} FINE

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 2024-11-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX account is showing first delinquent date past XXXX  Statute of Limitations law of XXXX years request removal from all Consumer Reporting Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX account is showing first delinquent date past XXXX Statute of Limitations law of XXXX  years request removal from all Consumer Reporting Agencies

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 2024-11-02 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: MI

Complaint narrative:
I XXXX XXXX XXXX a victim of Identity theft.The unauthorized inquiries which were inflicted on my account demand removal and deletion.XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXXThis inquiry is in fact fraudulent which is grounds for removal.I demand Equifax remove this inquiry just as XXXX has already removed such fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

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.

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 explanation
Consumer complaint received 2024-11-02 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: MD

Complaint narrative:
Transunion keeps posting incorrect information ( incomplete, inaccurate, and missing data ) on my credit report, which violates FCRA and is noncompliant with XXXX XXXX guidelines. This is unfairly hurting my credit and financial 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 non-monetary relief
Consumer complaint received 2024-11-02 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: MI

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed 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 2024-11-02 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: MI

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed 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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There is a fraud alert on my account with the three credit bureaus

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There is a fraud alert on my account with the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was redirected to another source outside of the actual company and was my request for information was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
This account has a first late payments XX/XX/2021 which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX # XXXX ( CLOSED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
**Company Information : ** - **Company Name : ** XXXX XXXX Bank XXXX XXXX ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against XXXX due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, XXXX reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, XXXX has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with XXXX, noting over XXXX unauthorized soft pull inquiries made by XXXX without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, XXXX has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form 1099-C, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way XXXX has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that XXXX, XXXX, Equifax, XXXX XXXX XXXX  ( XXXX ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : 1. The name and employee number of the individual who authorized these inquiries during their initial investigation.

2. Documentation supporting the authorization, such as inquiry logs.

3. A signed application with my wet ink signature. 

If XXXX, XXXX, Equifax, XXXX XXXX XXXX  ( XXXX ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and XXXX  caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.

Company response to consumer: Closed with explanation