vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, a financial services provider, for their ongoing failure to correct inaccurate information they have reported to the credit bureaus regarding my account ( Account ending in XXXX ). 

Since XX/XX/XXXX, I have been in contact with XXXX regarding discrepancies in my credit report. Despite multiple communications and confirmations from XXXX that my payment history is clean and reflects no late payments, all three major credit bureaus ( XXXX, Equifax, and XXXX ) continue to report erroneous late payments. These inaccuracies are negatively impacting my credit score and are severely hindering my ability to secure a mortgage. 

Here is a summary of the situation : - On multiple occasions, XXXX has confirmed that their records show no late payments on my account. Despite this, the credit bureaus are reporting the following inaccuracies : - XXXX  : XXXX late payment - XX/XX/XXXX- Equifax : XXXX late payment - XX/XX/XXXX - XXXX  : XXXX late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- I have repeatedly requested XXXX to correct these inaccuracies with the credit bureaus, but they have failed to do so. Most recently, on XX/XX/XXXX, XXXX responded that they do not find any errors on their part and are unable to change the credit reporting. 

This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, XXXX is obligated not to furnish information to credit bureaus if they know or have reasonable cause to believe that the information is inaccurate. Additionally, Section 623 ( a ) ( 2 ) requires that they promptly correct and update information to ensure its accuracy. 

Given XXXX 's refusal to correct these errors despite being aware of them, I believe that their actions are not only negligent but also in direct violation of federal law. This has caused significant harm to my credit standing and has placed undue stress on my financial situation. 

I respectfully request that the CFPB intervene in this matter to compel XXXX to correct the inaccurate information they have reported to the credit bureaus. I would also like to request an investigation into XXXX 's practices regarding credit reporting to ensure compliance with the FCRA. 

Please find attached copies of my correspondence with XXXX and screenshots of the incorrect credit report entries for your review. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue and protecting my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, a financial services provider, for their ongoing failure to correct inaccurate information they have reported to the credit bureaus regarding my account ( Account ending in XXXX ). 

Since XX/XX/XXXX, I have been in contact with XXXX regarding discrepancies in my credit report. Despite multiple communications and confirmations from XXXX that my payment history is clean and reflects no late payments, all three major credit bureaus ( Experian, XXXX, and XXXX ) continue to report erroneous late payments. These inaccuracies are negatively impacting my XXXX XXXX and are severely hindering my ability to secure a mortgage. 

Here is a summary of the situation : - On multiple occasions, XXXX has confirmed that their records show no late payments on my account. Despite this, the credit bureaus are reporting the following inaccuracies : - Experian : XXXX late payment - XX/XX/XXXX- XXXX : XXXX late payment - XX/XX/XXXX - XXXX  : XXXX late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- I have repeatedly requested XXXX to correct these inaccuracies with the credit bureaus, but they have failed to do so. Most recently, on XX/XX/XXXX, XXXX responded that they do not find any errors on their part and are unable to change the credit reporting. 

This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, XXXX is obligated not to furnish information to credit bureaus if they know or have reasonable cause to believe that the information is inaccurate. Additionally, Section 623 ( a ) ( 2 ) requires that they promptly correct and update information to ensure its accuracy. 

Given XXXX 's refusal to correct these errors despite being aware of them, I believe that their actions are not only negligent but also in direct violation of federal law. This has caused significant harm to my credit standing and has placed undue stress on my financial situation. 

I respectfully request that the CFPB intervene in this matter to compel XXXX to correct the inaccurate information they have reported to the credit bureaus. I would also like to request an investigation into XXXX 's practices regarding credit reporting to ensure compliance with the FCRA. 

Please find attached copies of my correspondence with XXXX and screenshots of the incorrect credit report entries for your review. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue and protecting my rights as a consumer.

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 2024-08-30 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: World Omni Financial Corp.
State: SC

Complaint narrative:
On XX/XX/XXXX I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Account number XXXX XXXX # XXXX XXXX XXXX Toyota XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from my Experian credit report. These accounts are hurting me from my getting a car and house in my name due to being a XXXX XXXX  victim. Please delete the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX  Balance XXXX, Public Record - XXXX  XXXX bankruptcy XXXX, Filing date XX/XX/XXXX, DEPT OF ED/XXXX, XXXX Balance {$14000.00}, DEPT OF XXXX, XXXX Balance {$1000.00}, DEPT OF ED/XXXX, XXXX Balance {$1000.00}, DEPT OF ED/XXXX, XXXX, XXXX {$4800.00}, DEPT OF ED/XXXX, XXXX Balance {$7500.00} XXXX DEPT OF ED/XXXX, XXXX Balance {$17000.00}, DEPT OF ED/XXXX, XXXX Balance {$13000.00}, DEPT OF ED/XXXX  XXXX XXXX Balance {$15000.00}, DEPT OF ED/XXXX, XXXX XXXX {$4500.00}, DEPT OF ED/XXXX, XXXX Balance {$6300.00}, DEPT OF ED/XXXX, XXXX Balance {$6400.00}, XXXX OF ED/XXXX, XXXX Balance {$4500.00}, DEPT OF XXXX, XXXX Balance {$6000.00}, DEPT OF ED/XXXX, XXXX Balance {$3500.00}, DEPT OF ED/XXXX, XXXX Balance {$6600.00}, DEPT OF ED/XXXX, XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$6200.00}, XXXX XXXX XXXX  XXXX, Original Balance XXXX, XXXX XXXX XXXX XXXX Balance {$340.00}, Collections XXXX XXXX XXXX  [ Original creditor : XXXX XXXX XXXX XXXX ], Account Number XXXX Balance {$8600.00}, Collections XXXX, XXXXXXXX XXXX XXXXXXXX [ Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Balance {$720.00}, Inquiry XXXX XXXX XXXX XXXX Inquiry - XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Inquiry - XXXX XXXX XXXX XX/XX/XXXX, Inquiry - XXXX XXXX XXXX XXXX and Inquiry 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 2024-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
My identity was stolen And some one made Fraudulent Bank Accounts And Also Applied for Credit cards And Instore credit cards in my name without my permission I contacted law enforcement and also the credit Bureaus explaining this and Now this is my last hope for this issue to be resolved please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NC

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: VA

Complaint narrative:
Money lion suspended my account and my account access. However, they are debiting monthly charges and debited {$150.00} payment after revoking ACH AUTHORIZATION for which they were notified. 

I specifically told them that if they were suspending my account and access then I wanted the account closed and revoked any ACH authorization and they are still charging me monthly fees and they have not honored my ACH AUTHORIZATION revoking. 

I have no way to access my account online at all to remove my linked accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 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 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 2024-08-30 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: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-30 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: NY

Complaint narrative:
My accounts 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/updated. 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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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 accounts was never late! I have had exceptional payment history with capital one 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/updated. 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. 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!

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 2024-08-30 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-30 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 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