vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to fixed this issue for several times but still reflect in my report please delete this account now or else i will file a case. Please delete this account now. Here 's the list XXXX XXXXXXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: AZ

Complaint narrative:
I have never taken the time to review my credit report. However, upon examining it, I discovered numerous unauthorized inquiries. This discovery indicates identity theft, as these companies accessed my credit report without my consent. I never granted permission to Trans Union to include this information in 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 2024-07-11 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-11 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: IN

Complaint narrative:
Hello, Can you please do this investigation within 4 days. 

As you can see I have disputed info and no one has done the investigation and they added more info to my credit profile. I also reached out to naviet and they don't hold none. 

Please see attachment for letter I have sent. 

XXXX Reporting I have sent over 4 dispute letters to the credit bureaus for reporting the wrong information for my student loans that are reporting. They are listing that my student loans are late. I sent over letters explaining that none should be reporting late. When I dispute each credit bureau added to my credit profile of loans that has been closed and transferred to another lender. The put old student loan on my account that hurt my score. 

XXXX Account # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX they have listed twice on my credit. - in the comments they have it as " Account transferred or sold Student loan '' with XXXX late payments reporting back from XXXX and I looked up during covid based on XXXX XXXX Transunion They are reporting this account is late during covid which I was in a hardship and loan was in forbearance period. No late payment could be reporting. Based on the cares act. They are also reporting this account has been paid. My loans has been DEFERRED and my loan servicer is XXXX see attachment. 

XXXX XXXX XXXX XXXX XXXX XXXX FCRA Reference : The FCRA is codified at 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( F ).

CARES Act Reference : Public Law 116-136, Section 4021.

CARES Act Section 4021 : Title : Credit Protection During COVID-19 Statute : Public Law 116-136, Section 4021 Amendment to the FCRA : The CARES Act temporarily amends Section 623 ( a ) ( 1 ) of the FCRA During the COVID-19 pandemic, the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) amended the Fair Credit Reporting Act ( FCRA ) to address how credit information is reported during the pandemic. Specifically, Section 4021 of the CARES Act includes provisions that impact how creditors report late payments to credit bureaus. 

I also asked for mt personal information to be updated correct I do not know what address are these as I NEVER LIVED AT THIS ADDRESS. I only have one address and what is reporting below is wrong and I want deleted. 

XXXX XXXX XXXX PREVIOUS ADDRESSES XXXX XXXX XXXXXXXX, IN, XXXX PREVIOUS ADDRESSES XXXX XXXX XXXX, XXXX, NJ, XXXX Inquiries are reporting wrong I didn't apply for ay of theses companies. I have asked for the companies to investigate this info and no one has gotte back with me I want these items removed. 

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 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 2024-07-11 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: IN

Complaint narrative:
Hello, Can you please do this investigation within 4 days. 

As you can see I have disputed info and no one has done the investigation and they added more info to my credit profile. I also reached out to naviet and they don't hold none. 

Please see attachment for letter I have sent. 

XXXX Reporting I have sent over 4 dispute letters to the credit bureaus for reporting the wrong information for my student loans that are reporting. They are listing that my student loans are late. I sent over letters explaining that none should be reporting late. When I dispute each credit bureau added to my credit profile of loans that has been closed and transferred to another lender. The put old student loan on my account that hurt my score. 

XXXX Account # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX they have listed twice on my credit. - in the comments they have it as " Account transferred or sold Student loan '' with XXXX late payments reporting back from XXXX and I looked up during covid based on XXXX XXXX XXXX They are reporting this account is late during covid which I was in a hardship and loan was in forbearance period. No late payment could be reporting. Based on the cares act. They are also reporting this account has been paid. My loans has been DEFERRED and my loan servicer is XXXX see attachment. 

XXXX XXXX XXXX XXXX XXXX XXXX FCRA Reference : The FCRA is codified at 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( F ). 
CARES Act Reference : Public Law 116-136, Section 4021.

CARES Act Section 4021 : Title : Credit Protection During COVID-19 Statute : Public Law 116-136, Section 4021 Amendment to the FCRA : The CARES Act temporarily amends Section 623 ( a ) ( 1 ) of the FCRA During the COVID-19 pandemic, the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) amended the Fair Credit Reporting Act ( FCRA ) to address how credit information is reported during the pandemic. Specifically, Section 4021 of the CARES Act includes provisions that impact how creditors report late payments to credit bureaus.

I also asked for mt personal information to be updated correct I do not know what address are these as I NEVER LIVED AT THIS ADDRESS. I only have one address and what is reporting below is wrong and I want deleted. 

XXXX XXXX XXXX PREVIOUS ADDRESSES XXXX XXXX XXXXXXXX, IN, XXXX PREVIOUS ADDRESSES XXXX XXXX XXXX, XXXX, NJ, XXXX Inquiries are reporting wrong I didn't apply for ay of theses companies. I have asked for the companies to investigate this info and no one has gotte back with me I want these items removed. 

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 XXXXXX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report this evening and was shocked that there are inaccurate bankruptcies on my credit report. I don't know why they're appearing on my report so please check the documents I've sent.

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : Discover : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC
State: GA

Complaint narrative:
North Star contacted me in a letter on XX/XX/year> stating that North Star didn't purchase this account from XXXX but i have a letter in my possession from North Star dated XX/XX/year> that says otherwise. NorthStar requested me to pay money i do not owe them. NorthStar Location Services LLC purchased my information from XXXX which is identity theft. NorthStar stated in the letter that XXXX XXXX XXXX received an account in my name with a XXXX balance with a payment of only XXXX which is a deceptive practice because i never had a binding contract with XXXX or NorthStar. I am owed {$1000.00} for this violation per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
I checked my credit report this evening and I'm still stressed out with what came up. The inaccurate accounts are still showing up on my report. I asked for the removal but nothing happened. So I am asking once again to please check the documents I've sent regarding this matter.

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 2024-07-11 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: GA

Complaint narrative:
My account with XXXX 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 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. 

XXXX 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 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 2024-07-11 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: GA

Complaint narrative:
My account with XXXX 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 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. 

XXXX 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 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 2024-07-11 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: AZ

Complaint narrative:
I recognize the progress made in correcting my credit file, but some errors remain. As stated in my earlier complaint, unresolved inaccuracies will prompt me to involve my attorney for legal action. This message follows up on my previous complaint. To prevent further action, please adhere to legal requirements and remove the following unauthorized items : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX XXXX : {$660.00} XXXX XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ======TRANSUNION : XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}. If you claim these items are correct and can be verified, provide documentation bearing my signature for these accounts. Without such documentation, I demand the immediate removal of this information from my credit file. You have 4 business days to remove any items related to identity theft. I do not consent to XXXX or any automated verification methods.

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 2024-07-11 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: AZ

Complaint narrative:
I recognize the progress made in correcting my credit file, but some errors remain. As stated in my earlier complaint, unresolved inaccuracies will prompt me to involve my attorney for legal action. This message follows up on my previous complaint. To prevent further action, please adhere to legal requirements and remove the following unauthorized items : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} 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 XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX  XXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}. If you claim these items are correct and can be verified, provide documentation bearing my signature for these accounts. Without such documentation, I demand the immediate removal of this information from my credit file. You have 4 business days to remove any items related to identity theft. I do not consent to E-OSCAR or any automated verification methods.

Company response to consumer: Closed with non-monetary relief