vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus.

Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment was made on time, which is within Toyotas XXXX XXXX period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-05 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: CA

Complaint narrative:
On XX/XX/year>, I received a text from EXPERIAN giving me my one-time code. I then received two emails from EXPERIAN that my profile information was updated and the freeze on my credit report was lifted. I DID NOT REQUEST ANY OF THIS!!! ( My identity was stolen in XXXX. I filed a claim with the Federal Trade Commission and the local police. ) I immediately responded to the email and asked that they immediately freeze my report. They are able to send me emails but yet state they have none of my information! I finally got a response from EXPERIAN this morning ( XXXX ) requesting more information. I told them I would be happy to send them copies of my driver 's license, passport and a utility bill to prove my identity but provided them with what they asked for at the time. No reply yet. 

I do not understand how someone accessed my Experian account and was able to change my profile info and unfreeze my report. My current financial institution contacted me to advise there were two requests on me yesterday - from XXXX XXXX and XXXX XXXX XXXXXXXX.

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 2024-10-05 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on XX/XX/year>, which falls within XXXX  ' standard XXXX grace period. Therefore, the account should not have been reported as XXXX or XXXX days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the XXXX grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's XXXX 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate XXXX late payment report. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/year> was made on time, which falls within XXXX XXXX 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/year> through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX. As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate XXXX late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by CCB/TYVISA. As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus.

Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation