vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously disputed this account with your credit bureau. I let you know this account was not being reported accurately and is hurting my ability to obtain credit. This account can no longer be reported to my credit report because reporting this account violates my rights for the FCRA. The vehicle in this account was Voluntarily Surrendered in XX/XX/year>. Since then the account has repeatedly been updated every month with inaccurate information every month. This is an update in the payment history. The account listed below need to be immediately removed from my credit report as it is reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 This account has inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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

Complaint narrative:
I am writing to formally follow up on a dispute I filed regarding the accuracy of information on my credit report. The dispute investigation was completed on XX/XX/2024, yet to date, I have not received a description of how the investigation was conducted, including the procedures used to verify the accuracy of the information in question. 

This is my second attempt to obtain this crucial information. According to the Fair Credit Reporting Act, specifically 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used during the investigation, including how and from whom the information was obtained. Failure to provide this information within the legally mandated time frame violates my rights under the law. 

I kindly request that you provide a detailed description of the investigation as required, including how the information was verified. Please consider this a formal demand to comply with your obligations under the Fair Credit Reporting Act. If you fail to respond adequately, I will be forced to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal action. 

As this is my second attempt to obtain this information, I kindly ask for an immediate response that complies with the FCRAs requirements. If Experian is unable to provide a complete description of the investigation process, I demand that this disputed account be permanently deleted immediately from my credit report in accordance with my rights under the FCRA. This is a violation of consumer 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account with Equifax 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.

Equifax 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 explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi retaliated against applicant in XXXX by forcing a 'username change ' Citi sent abusive digital notifcations that had no merit from XX/XX/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 2024-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NC

Complaint narrative:
I was surprised to see a negative report in my credit score. When I dug deeper, I saw that IQ Data International has reported an unpaid debt which has hurt my score. 

I do not have any unpaid debt with my previous rent. I had closed out all accounts with the rental company when I handed over the keys. 

I had not received any bills from either the rental company or the debt collection agency. 

I suspect either this is completely fraudulent or someone has stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
My Federal and State income tax I put a wrong acct number that was closed instead if cash app sending it back they are holding it they keep telling me the bank need to recall it the bank keep saying they don't do that I still have cash app they can put it in my right account but they haven't I've been trying since XXXX to get my money my car has been down since XXXX I really need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After carefully checking my latest credit report, I identified several accounts that seem to be inaccurate and were included without my awareness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am utterly disappointed with the results of my previous complaint- as I thought my request of getting these inaccuracies removed would have been favored, but nothing has been done. I am getting frustrated as the day passes by and it's affecting my mental health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Equifax for Non-Compliance with Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to formally file a complaint against Equifax Information Services LLC for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. Despite sending multiple dispute letters requesting the removal of inaccurate, incomplete, and unverifiable information from my credit report, Equifax has not acted in accordance with the FCRA. 

Summary of Events : First Dispute Sent : On XX/XX/year>, I sent a letter to Equifax requesting that they remove unauthorized and inaccurate credit inquiries and accounts from my credit report, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, among others. I also requested verifiable proof of the accounts in question ( Gougis_EQ ). 

Second Dispute Sent : On XX/XX/year>, after not receiving a satisfactory response, I sent a follow-up letter reiterating my request for the removal of the same unverified inquiries and accounts. I emphasized that Equifax is required by law to provide a description of the procedure used to verify the disputed information ( XXXX ). 

Third Dispute Sent : On XX/XX/year>, I sent a third letter after still receiving no action from Equifax. In this letter, I requested once again that Equifax provide proof of verification or promptly remove the items in question, including accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Despite these efforts, the unauthorized inquiries and inaccurate accounts remain on my credit report. Equifax has failed to provide the necessary documentation to verify these inquiries and accounts, as required by the FCRA, Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

Items to be Removed : XXXX XXXX XXXX XXXX, Hard Inquiry, XXXX XXXX XXXX Hard Inquiry, XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX ( XXXX XXXX  ), Account : XXXX... ( and others ) Request for Investigation : I am requesting that the CFPB investigate Equifax 's non-compliance with the FCRA. I also request that all unverified and unauthorized inquiries and accounts be immediately removed from my credit report. I have attached copies of the letters I sent to Equifax and proof of their receipt. 

Please feel free to contact me if any further information is required. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: 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 Experian 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time. However, due to an internal processing delay on the part of XXXX XXXX, the payment was mistakenly recorded as late. I have included the bank statement and payment confirmation showing that the payment was made before the due date. 
XXXX XXXX : There was a system error on XXXX XXXX  platform that resulted in the payment being logged late. This error was acknowledged by their customer service, but it has not yet been corrected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX XXXX 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 XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX 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 explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TN

Complaint narrative:
I received an email about a debt of XXXX from TrueAccord XXXX trying to collect money from an account I do not owe! Address XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX They have the incorrect name and incorrect address. I have not been had a maiden name for 15 years maybe longer and I have not lived at the address in almost XXXX. This is considered a skeleton debt ( if it was even owed? ) that these bottom feeders are trying to scare people into paying because they are awful people! I DO NOT OWE THEM OR ANYONE FOR SAID DEBT. Obviously, the last bottom feeder XXXX XXXX could not provide the information requested so neither will this company! This should be illegal when the documents are non-existent and I am sick of this. It is costing me time and money. Where is our protection for scum like this? STOP CONTACTING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding the inability to obtain my consumer report from XXXX, XXXX, TransUnion. On XX/XX/year>, I requested a copy of my consumer report and was informed that additional documentation was required to verify my identity. 

I promptly submitted the requested documents, including my Drivers License and Utility bills, as instructed by Transunion, XXXX, And XXXX. Despite complying with their verification process, I have yet to receive my consumer report. 

I made several follow-up attempts to inquire about the status of my request, but I either received no response or was given unsatisfactory information regarding the delay. This failure to provide my consumer report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB take immediate action to ensure that Transunion, XXXX, And XXXX provides my consumer report without further delay and that they address any procedural deficiencies in their identity verification and report issuance processes. 

Thank you for your attention to 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding the inability to obtain my consumer report from XXXX, Equifax, XXXX. On XX/XX/year>, I requested a copy of my consumer report and was informed that additional documentation was required to verify my identity. 

I promptly submitted the requested documents, including my Drivers License and Utility bills, as instructed by XXXX, Equifax, And XXXX. Despite complying with their verification process, I have yet to receive my consumer report. 

I made several follow-up attempts to inquire about the status of my request, but I either received no response or was given unsatisfactory information regarding the delay. This failure to provide my consumer report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB take immediate action to ensure that XXXX, Equifax, And XXXX provides my consumer report without further delay and that they address any procedural deficiencies in their identity verification and report issuance processes. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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