vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount : {$1600.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened : XXXX XXXX Amount : {$1300.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and XXXXavent heard anything back from this company. 

XXXX XXXX  XXXX opened : XXXX XXXX Amount : {$720.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Amount : {$5000.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX  XXXX opened : XXXX, XXXX Amount : {$1100.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX  Date opened : XXXX XXXX Amount : {$570.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-03 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: NY

Complaint narrative:
I discovered inaccurate details on my credit report in violation of 15 USC 16c-2. This false information is harming my credit score.

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 2024-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Dave Operating, LLC
State: WI

Complaint narrative:
signed up for XX/XX/XXXXwhich is XXXX XX/XX/XXXXXXXX XXXX in XXXXi did not want to go any further than that as it seemed scammy so i requested my account to be closed in XXXXXX/XX/XXXX as as of today they still refuse to close the account with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I cancelled my gym membership with XXXX XXXX ( XXXX XXXX ) by following their email instructions. I never missed or made a late payment, so I didnt owe them anything. Now, I see a collection for over {$200.00} from XXXXXXXX XXXX XXXXXXXX, claiming I owe money. I provided proof of cancelling the account, but they still sent it to collections. This feels like a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NV

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account saying the original creditor was XXXX XXXX. I have never lived there nor applied there. My information was used to apply to this apartment, but I never lived there. My father has the same name as me. Please remove this from my credit report asap. I also want to add I contacted Experian about the account in question. They also acknowledged this is inaccurate, along with theaccount reported itself doesn't have a social security number attached to it. How is this legal, how is this acceptable that it doesn't matter? I want this removed immediately. 

Thank you 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 2024-10-03 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: GA

Complaint narrative:
Subject : Request for Validation of Incorrect Information XXXX XXXX XXXX XXXX Account To Whom It May Concern, I hope this message finds you well. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The last four digits of my Social Security number are XXXX, and my email address is XXXX. I do not have an employer. 

I am writing to formally dispute the information reported by XXXX XXXX XXXX  regarding my account ( Account # : XXXX ). I have reviewed my credit reports from XXXX, XXXX, and Equifax, and I have found inaccuracies related to this account 's payment status. 

Account Information : Account Type : Secured Loan Account Status : Closed Payment Status : Late 60 Days ( reported for all three bureaus ) Date Opened : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and Equifax ) Last Reported : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and Equifax ) I want to clarify that I was never late on this account. The reporting of late payments is inaccurate and has adversely affected my credit score. Therefore, I am requesting validation of the reported late payment information. Please provide me with the documentation that supports the claims of late payments. 

If you are unable to validate this information, I demand that it be corrected to reflect that I have always made my payments on time and that the account is reported as closed and paid in good standing. 

This dispute is supported by the following laws and regulations : Fair Credit Reporting Act ( FCRA ) - Section 602 ( a ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

FCRA Section 609 ( a ) - Grants consumers the right to request information from the credit reporting agency, including the sources of information used to create the report.

FCRA Section 611 ( a ) - Allows consumers to dispute inaccurate information and requires the credit reporting agency to conduct a reasonable investigation of the dispute. 
I expect to hear back from you promptly regarding this matter and appreciate your attention to this important issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
Subject : Request for Validation of Incorrect Information XXXX XXXX XXXX XXXX  Account To Whom It May Concern, I hope this message finds you well. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The last four digits of my Social Security number are XXXX, and my email address is XXXX. I do not have an employer. 

I am writing to formally dispute the information reported by XXXX XXXX XXXX  regarding my account ( Account # : XXXX ). I have reviewed my credit reports from XXXX, Experian, and XXXX, and I have found inaccuracies related to this account 's payment status. 

Account Information : Account Type : Secured Loan Account Status : Closed Payment Status : Late 60 Days ( reported for all three bureaus ) Date Opened : XX/XX/XXXX ( or XX/XX/XXXX for Experian and XXXX ) Last Reported : XX/XX/XXXX ( or XX/XX/XXXX for Experian and XXXX ) I want to clarify that I was never late on this account. The reporting of late payments is inaccurate and has adversely affected my credit score. Therefore, I am requesting validation of the reported late payment information. Please provide me with the documentation that supports the claims of late payments. 

If you are unable to validate this information, I demand that it be corrected to reflect that I have always made my payments on time and that the account is reported as closed and paid in good standing. 

This dispute is supported by the following laws and regulations : Fair Credit Reporting Act ( FCRA ) - Section 602 ( a ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

FCRA Section 609 ( a ) - Grants consumers the right to request information from the credit reporting agency, including the sources of information used to create the report.

FCRA Section 611 ( a ) - Allows consumers to dispute inaccurate information and requires the credit reporting agency to conduct a reasonable investigation of the dispute.

I expect to hear back from you promptly regarding this matter and appreciate your attention to this important issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, CT XXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX, MA XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX  MA XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX 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 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 XXXX Listed below are the Inquiries that are being challenged 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/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 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 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 XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 non-monetary relief
Consumer complaint received 2024-10-03 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:
I have found that there are inaccuracies reporting on my file and it is so frustrating to see. I ask of you to investigate these accounts because it's causing me so much stress.

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 2024-10-03 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, section 602, consumer reporting agencies like XXXX and XXXX must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure my private information is not shared without my consent.

Additionally, 15 U.S.C. 6801 states that financial institutions have a continuous obligation to respect and protect the privacy and confidentiality of their customers nonpublic personal information. Under 15 U.S.C. 1681, section 604, consumer reporting agencies can only furnish a consumer report with the written instructions of the consumer. 
I do not consent to XXXX, XXXX, or XXXX sharing my information. Any previous consent, whether verbal, nonverbal, written, implied, or otherwise, is revoked. According to 15 U.S.C. 6802, subsections B and C, financial institutions can not disclose nonpublic personal information to third parties without providing the consumer an option to opt-out, which I was never informed about.

Furthermore, 15 U.S.C. 1681c, section 85, states that no consumer reporting agency may include any adverse information in a consumer report that is older than seven years, except for records of convictions. According to 15 U.S.C. 1681s-2, subsection 8, a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed in section 1681b. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. 
Under the Privacy Act of 1974, a charge-off is considered a certificate of indebtedness, which is treated as income and should be removed from my credit report. It is also illegal to report transaction history, so my credit report should be marked as paid as agreed. I intend to send a bill to each companys trustee for each violation, for the XXXX XXXX XXXX XXXX caused by violating my rights as a consumer under the Federal Credit Reporting Act of 1682.

Company response to consumer: Closed with explanation