vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: VA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: VA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw these unauthorized inquiries from my credit report and I don't know why they're showing up.

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 2024-07-09 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: VA

Complaint narrative:
My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: VA

Complaint narrative:
My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 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 months that are reported late 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I saw my credit report and noticed that there are some inaccurate accounts showing up. I don't have any idea why they're showing up inaccurately but I want them removed.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2024 I prepared and mailed off letters to the XXXX major consumer reporting agencies XXXX, XXXX and Transunion below is a copy of the letter : I am writing to formally request the deletion of a bankruptcy entry from my consumer report. This request is made pursuant to the provisions of the United States Code ( USC ), specifically those relating to permissible purposes of consumer reports and the handling of information resulting from identity theft.

Details of the Request According to 15 USC 1681b ( 2 ), consumer reporting agencies are only allowed to furnish a consumer report under specific circumstances, including receiving written instructions from the consumer to whom the report relates. Additionally, 15 USC 1681q stipulates penalties for obtaining consumer information under false pretenses.

Legal References 15 USC 1681b ( 2 ) : This section outlines the permissible purposes for obtaining a consumer report, one of which includes obtaining written instructions from the consumer.

15 USC 1681q : This section details the penalties for obtaining consumer information under false pretenses, which can include fines and imprisonment.

18 USC 1028A : Defines aggravated identity theft, stating that using someone else 's identification without lawful authority is punishable by additional penalties.

15 USC 1681c-2 : Requires consumer reporting agencies to block information resulting from identity theft within four business days after receiving notification from the consumer. 

Request for Action Given the provisions outlined above, I request that the bankruptcy entry on my consumer report be deleted. The entry was not authorized by me, and therefore, the information was obtained and used without my lawful consent. 
Please confirm receipt of this request and provide a timeline for when the bankruptcy entry will be deleted from my consumer 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year> I prepared and mailed off letters to the XXXX major consumer reporting agencies Equifax, XXXX and XXXX below is a copy of the letter : I am writing to formally request the deletion of a bankruptcy entry from my consumer report. This request is made pursuant to the provisions of the United States Code ( USC ), specifically those relating to permissible purposes of consumer reports and the handling of information resulting from identity theft.

Details of the Request According to 15 USC 1681b ( 2 ), consumer reporting agencies are only allowed to furnish a consumer report under specific circumstances, including receiving written instructions from the consumer to whom the report relates. Additionally, 15 USC 1681q stipulates penalties for obtaining consumer information under false pretenses.

Legal References 15 USC 1681b ( 2 ) : This section outlines the permissible purposes for obtaining a consumer report, one of which includes obtaining written instructions from the consumer.

15 USC 1681q : This section details the penalties for obtaining consumer information under false pretenses, which can include fines and imprisonment.

18 USC 1028A : Defines aggravated identity theft, stating that using someone else 's identification without lawful authority is punishable by additional penalties.

15 USC 1681c-2 : Requires consumer reporting agencies to block information resulting from identity theft within four business days after receiving notification from the consumer.

Request for Action Given the provisions outlined above, I request that the bankruptcy entry on my consumer report be deleted. The entry was not authorized by me, and therefore, the information was obtained and used without my lawful consent. 
Please confirm receipt of this request and provide a timeline for when the bankruptcy entry will be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX. Despite my repeated attempts to resolve this matter directly with XXXX, the issue remains unresolved. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: HI

Complaint narrative:
Last year, I discovered that a XXXXXXXX XXXX XXXX account had been opened in my name without my knowledge or consent. 
I did not apply for or authorize this account, and I believe this is a case of identity theft. I immediately filed a report with the Federal Trade Commission ( FTC ), documenting the identity theft and providing all necessary details. 
I contacted XXXXXXXX XXXX fraud department to report the unauthorized account and requested an investigation.Despite my detailed report and the FTC filing, XXXX concluded that the case was not identity theft. 
This conclusion is incorrect, as I did not open or authorize this account. 

According to the Fair Credit Reporting Act ( FCRA ), once a creditor receives an Identity Theft Report, they are legally required to remove the fraudulent information from the consumer 's credit report. The FCRA mandates that companies must block the reporting of information resulting from identity theft. 
My FTC Identity Theft Report constitutes a valid Identity Theft Report under the FCRA, and XXXX is legally obligated to remove the unauthorized account 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 2024-07-09 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: HI

Complaint narrative:
Last year, I discovered that a XXXX credit card account had been opened in my name without my knowledge or consent. 
I did not apply for or authorize this account, and I believe this is a case of identity theft. I immediately filed a report with the Federal Trade Commission ( FTC ), documenting the identity theft and providing all necessary details. 
I contacted XXXXXXXX XXXX  fraud department to report the unauthorized account and requested an investigation.Despite my detailed report and the FTC filing, XXXX concluded that the case was not identity theft. 
This conclusion is incorrect, as I did not open or authorize this account. 

According to the Fair Credit Reporting Act ( FCRA ), once a creditor receives an Identity Theft Report, they are legally required to remove the fraudulent information from the consumer 's credit report. The FCRA mandates that companies must block the reporting of information resulting from identity theft. 
My FTC Identity Theft Report constitutes a valid Identity Theft Report under the FCRA, and XXXX is legally obligated to remove the unauthorized account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: HI

Complaint narrative:
Last year, I discovered that a XXXX credit card account had been opened in my name without my knowledge or consent. 
I did not apply for or authorize this account, and I believe this is a case of identity theft. I immediately filed a report with the Federal Trade Commission ( FTC ), documenting the identity theft and providing all necessary details. 
I contacted XXXX 's fraud department to report the unauthorized account and requested an investigation.Despite my detailed report and the FTC filing, XXXX concluded that the case was not identity theft. 
This conclusion is incorrect, as I did not open or authorize this account. 

According to the Fair Credit Reporting Act ( FCRA ), once a creditor receives an Identity Theft Report, they are legally required to remove the fraudulent information from the consumer 's credit report. The FCRA mandates that companies must block the reporting of information resulting from identity theft. 
My FTC Identity Theft Report constitutes a valid Identity Theft Report under the FCRA, and XXXX is legally obligated to remove the unauthorized account 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 2024-07-09 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: NJ

Complaint narrative:
I saw my credit report and noticed that there are some inaccurate accounts showing up. I don't have any idea why they're showing up inaccurately but I want them gone immediately.

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 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-09 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX ) is not reporting correctly with the Credit Bureaus. They did update the information from last month to XXXX but not to XXXX or Transunion. 
Please dispute both XXXX XXXX XXXX  XXXX XXXX and the XXXX XXXXXXXX XXXX credit card as well XXXX XXXX XXXX XXXX XXXX they are both showing large balances on these credit cards. XXXX is paid XXXX balance for XXXX months, and XXXX XXXX has a {$500.00} balance not {$2500.00}, I am applying for a Refinance and want the best rate possible. 
Please have XXXX and TransUnion update this information correctly. 
You can not get through to anyone and they outsource to other countries who can not help either just to say they have call ins. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX, XXXX. 
XX/XX/year> XXXX XXXX response is in progress as of XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX owned by XXXX XXXX  XXXX XXXX ) is not reporting correctly with the Credit Bureaus. They did update the information from last month to XXXX but not to Equifax or XXXX. 
Please dispute both XXXX XXXX XXXX XXXXXXXX XXXX and the XXXX XXXXXXXX XXXX credit card as well XXXX XXXX XXXX XXXXXXXX XXXX they are both showing large balances on these credit cards. XXXX is paid XXXX balance for XXXX months, and XXXXXXXX XXXX has a {$500.00} balance not {$2500.00}, I am applying for a Refinance and want the best rate possible. 
Please have Equifax and XXXX update this information correctly. 
You can not get through to anyone and they outsource to other countries who can not help either just to say they have call ins. 
XXXX XXXX XXXX XXXX XXXX  XXXX Credit reporting Problem with a company 's investigation into an existing problem EQUIFAX XXXX XXXX XXXX XXXX XXXX 
XX/XX/year> XXXX XXXX response is in progress as of XX/XX/year>

Company response to consumer: Closed with explanation