vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I just recently looked at a copy of my credit report and noticed several inaccuracies on my accounts. this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate. 
Account Name : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: Experian Information Solutions Inc.
State: IL

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 informationisinaccurate.

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 2024-09-26 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: GA

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 2024-09-26 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: CA

Complaint narrative:
I am writing to formally dispute the reporting of several late payments on my credit report. 
The following accounts are inaccurately reflecting late payments, which were, in fact, paid on time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are obligated to provide accurate information to consumer reporting agencies. It is unlawful to report late payments when, in reality, those payments were made on time.

Additionally, according to 15 U.S. Code 1681a 2 ( A ) ( i ), a " consumer report '' should not include information solely related to transactions or experiences between the consumer and the person making the report unless otherwise provided for under specific exceptions. 
The late payments reported on the accounts listed above are inaccurate and should not be included in my credit report. 
I request that you promptly investigate and correct these inaccuracies by removing the erroneous late payment entries from my credit report. I trust that you will update my credit report to reflect my actual payment history, as required by 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 2024-09-26 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: FL

Complaint narrative:
I have discovered incorrect information on my credit report, which is governed by 15 USC 16c-2. I believe this information is inaccurate and negatively affecting my creditworthiness.

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 2024-09-26 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: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-09-26 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: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-09-26 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: CA

Complaint narrative:
This account was charged off on the following date : XXXX XXXX 

Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history, but a charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations, which has violated my rights. Experian completed my dispute of this, asking them to verify the information as accurate, and did not remove the re-aging of charge-offs. 

Therefore, I am demanding a correction of the charge-off date on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Round Up Ventures, L.P.
State: AL

Complaint narrative:
Sent to XXXX XXXX XXXX first as they were collecting on the account. They never responded and its been over 30 days. I reached out to XXXX XXXX group and they informed me they are not handling this account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: CA

Complaint narrative:
This account has caused me so much stress and I have now come to a point where I filed an FTC report regarding this. It is so frustrating to constantly reach out to your company and ask you to investigate this account, but still no action has been taken thus far.

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 2024-09-26 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days to be removed.

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

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: AL

Complaint narrative:
They are violating my rights under er 15 1USC1681 a, b and I I am I am promise 100 % accuracy if they cant verify it updated it have to be removed. I have disputed this several times and they keep sending back verified this but not once did day. Send me a method of verification had verified. It just updated verified accurate as well as my information was exposed in a data breach also they reported in accurate information. Also, the data furniture is not trying to do anything so I have no alternative, but to file allows suit and sue them for punitive damages. My credit worth this which is they are ruining my reputation. They also removed some items and then re-inserted them back on without even seeing Red permission, I asked him to remove it and verified as accurate mistakes and actresses in inconsistent so I would now be pursuing legal obligations

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 2024-09-26 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries on my credit report. I have provided the details for each inquiry below. These inquiries were not authorized by me, and I am requesting their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Personal Loan Companies - Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize any personal loan with XXXX  on the above date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize a credit card with XXXX Card on the above date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Scheduled Removal Date : XX/XX/XXXX - Business Type : Credit Bureaus - Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX  - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit inquiry with XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit card with XXXX XXXX XXXX on this date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Mortgage Reporters- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not authorize any mortgage-related inquiries with XXXX XXXX XXXX .

These inquiries have had a negative impact on my credit
score. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed if found to be unauthorized. 

Please notify me in writing of the results of your investigation and the actions taken. I have enclosed a copy of my credit report, along with proof of identity for your verification. 

Thank you for your prompt attention to this matter. 

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 2024-09-26 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 XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries on my credit report. I have provided the details for each inquiry below. These inquiries were not authorized by me, and I am requesting their removal from my credit report. 

1. XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Personal Loan Companies - Contact Info : - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize any personal loan with OneMain on the above date. 

2. XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize a credit card with XXXXXXXX XXXX on the above date. 

3. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Credit Bureaus - Contact Info : - Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit inquiry with XXXX XXXX XXXX. 

4. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit card with XXXX XXXX XXXX on this date. 

5. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Mortgage Reporters- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not authorize any mortgage-related inquiries with XXXX XXXX XXXXXXXX XXXX 

These inquiries have had a negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed if found to be unauthorized. 

Please notify me in writing of the results of your investigation and the actions taken. I have enclosed a copy of my credit report, along with proof of identity for your verification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank is refusing to return or accept a dispute for transactions that I did not authorize, and they have been investigating for more than 2 months and I have not received either the provisioned money or the money that was taken from my account. 

bank of american Account ending - XXXX Claim ID : XXXX Claim amount : {$200.00} Initiation date : XX/XX/2024 Account ending - XXXX Claim ID : XXXX Claim amount : {$190.00} Initiation date : XX/XX/2024 Account ending - XXXX Claim ID : XXXX Claim amount : {$2600.00} Initiation date : XX/XX/2024

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 monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
I consistently pay on time, so its unclear why this company reports late payments. As per USC 1666b, errors should be corrected, and my account should show payments as on time.

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 2024-09-26 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: IL

Complaint narrative:
I consistently pay on time, so its unclear why this company reports late payments. As per USC 1666b, errors should be corrected, and my account should show payments as on time.

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 2024-09-26 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: NY

Complaint narrative:
I am writing to you as the holder of credit card account number XXXX XXXX  # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant 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