vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: PA

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history with 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 in XX/XX/year> 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 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 2024-06-20 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: MO

Complaint narrative:
I am submitting this follow up complaint because I still believe there are some errors on my credit file. I would like Credit bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for deletion. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. Federal law compels the 3 credit bureaus to respond within the proper time frame, yet they have yet to respond to my letters. They should remove the following late closed and charge off accounts completely from my credit file : XX/XX/XXXXBalance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX Balance : {$810.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 2024-06-20 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$370000.00}

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 2024-06-20 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$370000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to follow up regarding persistent inaccuracies in my credit report that have not been resolved despite these attempts to correct them through direct communication with the credit reporting agencies and creditors. 
I am requesting that you could help me to : 1. Conduct a thorough investigation into the inaccuracies I have outlined.

2. Ensure that the credit bureaus and creditors involved take the necessary corrective actions.

3. Facilitate the removal of the erroneous late open accounts and outdated/inaccurate public records from my credit report. 
Accurate credit reporting is crucial, and despite my repeated efforts to correct these errors, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on the CFPB to intervene and ensure these inaccuracies are rectified. The following items should be remove as soon as possible : XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO 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 2024-06-20 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: GA

Complaint narrative:
I am writing to follow up regarding persistent inaccuracies in my credit report that have not been resolved despite these attempts to correct them through direct communication with the credit reporting agencies and creditors. 
I am requesting that you could help me to : 1. Conduct a thorough investigation into the inaccuracies I have outlined.

2. Ensure that the credit bureaus and creditors involved take the necessary corrective actions.

3. Facilitate the removal of the erroneous late open accounts and outdated/inaccurate public records from my credit report.

Accurate credit reporting is crucial, and despite my repeated efforts to correct these errors, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on the CFPB to intervene and ensure these inaccuracies are rectified. The following items should be remove as soon as possible : XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: PA

Complaint narrative:
Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft! Please remove these accounts as soon as possible! 

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2024-06-20 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:
Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft! Please remove these accounts as soon as possible! 

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
As of XXXX, I XXXX XXXX recently reviewed my consumer profiles on Experian, XXXX and XXXX and noticed a collection account from XXXX XXXX XXXX reporting a balance from XXXX XXXX XXXX XXXX for {$1500.00}. It is unlawful to report medical information on my consumer credit profile. 15 U.S. Code 1681a 3 ( A ), ( B ) and ( C ) states : Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. The said policy is also reiterated in 12 CFR 1022.30 ( b ( ) 2 ) : General prohibition on obtaining or using medical information ( 1 ) In general. A creditor may not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. The reporting of my personal medical information on Experian, XXXX and XXXX are major violations of my federally regulated rights. This reporting has caused pain, harm, duress and discrimination to my person. As a result, I would like this XXXX XXXX XXXX account to be removed from my consumer profiles on Experian, XXXX and XXXX immediately. Thanks for your cooperation. Without Recourse - 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 2024-06-20 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: SC

Complaint narrative:
Noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
Recently I looked at q copy of my credit report and noticed several inaccuracies on my account. This account is hurting to obtain credit. Its my understanding that the credit bureaus will be investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

Account Name : XXXX XXXX XXXX Account Number : 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 2024-06-20 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} UPSTART XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. My user ID with Solo Funds is XXXX. First of all I have been a borrowing customer with Solo Funds since XXXX, and I have never had an issue with them until now. I applied for a loan on XX/XX/XXXX and due to the company having many issues with their app I was never able to receive the {$570.00} I borrowed. I was also leaving the lender a tip in the amount of {$45.00} so my total repayment would be {$620.00}. When I was receiving error messages that prevented me from getting access to the money I immediately notified the company about the problem on XX/XX/XXXX. They have been updating the app for weeks prior to this day and were suppose to be resolving their issues with their app. I had two weeks to repay the loan but still unable to get the money I kept contacting the company and I was told on XX/XX/XXXX it would be cancelled and I would not be responsible for any fees. I did keep up with this loan being cancelled off of my account and still made many attempts to reach out to customer service about still having issues. I contacted them on XX/XX/XXXX as well. I kept being reassured the same thing over and over again until the loan became due. Then the flood of calls and e-mails started that I was delinquent on repaying I responded with the fact that I never received the money and provided screenshots for proof of the issue to customer service multiple times way before my XX/XX/XXXX due date, and I did the same after the due date as well. I have been reassured many times that the issue has been escalated to the engineering department, and I am not going to be responsible for the loan it would be cancelled. Now the company is charging me late fees as well. The amount for paying back the loan is now at {$680.00} and still getting emails and phone calls about paying this money back. I feel as a loyal and responsible customer this company has failed to continue to provide me with great service and failed to do what was told to me time and time again since the day the issue started. I reached out one last time and received a response 4 days ago with the same reassurance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Kindly delete these inquiries. I am unaware of them, and the company proceeded without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
Remove these inquiries, as I have no knowledge of them, and the company did so without my consent.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My account with SYNCB/AMAZON was never late! I have had exceptional payment history with SYNCB/AMAZON 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 XX/XX/year> 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.

SYNCB/AMAZON 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 XXXX 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 2024-06-20 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: MO

Complaint narrative:
I am submitting this follow up complaint because I still believe there are some errors on my credit file. I would like Credit bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for deletion. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. Federal law compels the 3 credit bureaus to respond within the proper time frame, yet they have yet to respond to my letters. They should remove the following late closed and charge off accounts completely from my credit file : XXXX XXXX XXXX  Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX Balance : {$810.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 non-monetary relief