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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING 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.

This company 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 2024-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I previously submitted a complaint to this company regarding identity theft ( # XXXX ) As I stated before this account and several others were created fraudulently under my name. I provided the FTC report to prove that. This company is stating that they have verified this account to be mine with accounts that were used to pay for this bill and id and address that is attached to me but that is the point I am making and the actual definition of identity theft several accounts being open with fake addresses and ids

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Here 's a text you can use for your dispute with the Consumer Financial Protection Bureau ( CFPB ) : -- - **Subject : Urgent Dispute : Inconsistent Reporting of Closed Account by XXXX XXXX XXXX Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate reporting of a closed account with XXXX XXXX XXXX This account is being reported inconsistently across the XXXX major credit bureaus, as follows : - **XXXX** : Account # XXXX - **XXXX** : Account # XXXX - **Equifax** : Account # XXXX Despite my repeated complaints, these credit bureaus continue to claim that the account is " verified, '' yet they are clearly not reporting the same account number, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **FCRA Section 609** mandates that credit reporting agencies provide the consumer with all information in their credit file, including account numbers. The discrepancies in the reported account numbers violate this provision.

2. **FCRA Section 611** requires credit reporting agencies to conduct a reasonable investigation into disputed information. Given the clear inconsistencies, the continued reporting of this account without accurate information shows a failure to conduct a reasonable investigation. 

3. **FCRA Section 623** requires furnishers of information, such as XXXX XXXX XXXX to report accurate information. The discrepancies across the credit bureaus suggest that XXXX XXXX has failed to fulfill this obligation. 

Furthermore, this situation aligns with the case law established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX where it was determined that credit reporting inaccuracies that are not rectified after notice are a violation of the FCRA. There is only one data Furnisher of this account, if the information is not 100 % consistent across all three credit bureaus than it is INACCURATE AND MUST BE DELETED! 

Given the ongoing violations and the severe impact this incorrect reporting has on my credit, I intend to escalate this matter. If this issue is not resolved promptly, with the removal of this erroneous account from all three credit bureaus, I will file a claim with the Attorney Generals office and pursue legal action against all parties involved for non-compliance with federal law. 

I demand a written response from a real person, not a computer-generated reply, outlining the steps that will be taken to resolve this issue. Please be advised that I expect your response within 15 days from the receipt of this letter. 

Thank you for your immediate attention to this matter.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Creditor Name : XXXX XXXX Account NumberXXXX Date of Charge Off : XX/XX/year> Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely,

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

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 explanation
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: EQUIFAX, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX*Subject : Urgent Dispute : Inconsistent Reporting of Closed Account by XXXX XXXX XXXX Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate reporting of a closed installment account with XXXX XXXX XXXX XXXX amount of {$250.00}. This account is being reported inconsistently across the XXXX major credit bureaus, as follows : - **TransUnion** : Account # XXXX - **XXXX** : Account # XXXX - **XXXX** : Account # XXXX Despite my XXXX complaints, these credit bureaus continue to claim that the account is " verified, '' yet they are clearly not reporting the same account number, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **FCRA Section 609** mandates that credit reporting agencies provide the consumer with all information in their credit file, including account numbers. The discrepancies in the reported account numbers violate this provision.

2. **FCRA Section 611** requires credit reporting agencies to conduct a reasonable investigation into disputed information. Given the clear inconsistencies, the continued reporting of this account without accurate information shows a failure to conduct a reasonable investigation. 

3. **FCRA Section 623** requires furnishers of information, such as XXXX XXXX XXXX XXXX report accurate information. The discrepancies across the credit bureaus suggest that XXXX XXXX has failed to fulfill this obligation. 
Furthermore, this situation aligns with the case law established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX where it was determined that credit reporting inaccuracies that are not rectified after notice are a violation of the FCRA. There is only XXXX data furnisher { XXXX XXXX } of the stated tradeline so, if the furnished data is not 100 % consistent across all XXXX reporting agencies it is INACCURATE! 
Given the ongoing violations and the severe impact this incorrect reporting has on my credit, I intend to escalate this matter. If this issue is not resolved promptly, with the removal of this erroneous account from all three credit bureaus, I will file a claim with the Attorney Generals office and pursue legal action against all parties involved for non-compliance with federal law. 
I demand a written response from a real person, not a computer-generated reply, outlining the steps that will be taken to resolve this issue. Please be advised that I expect your response within 15 days from the receipt of this letter. 

Thank you for your immediate 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 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 information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This account should be removed In accordance with the fair credit reporting act.

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:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 
I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-30 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: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: EQUIFAX, INC.
State: NC

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

XXXX XXXX # XXXX -BALANCE {$5900.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX {$19000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$59000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX -BALANCE {$340.00} DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX, and TransUnion ) 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- XXXX : XXXX late payment - XX/XX/XXXX - TransUnion : 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 non-monetary relief