vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be UPDATE and if you are unable to provide me a copy of verifiable proof, you must UPDATE the account listed below. 

I demand that the following account be validated and UPDATE immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-25 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: MO

Complaint narrative:
I have checked my credit report and I have discovered fraudulent account being reported, these fraudulent accounts are XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXXXXXX opened on XX/XX/XXXXXXXX these accounts are fraudulent and I request them to be removed, as they are affecting my credit score. Also I have discovered fraudulent hard inquires these are XXXX XXXX XX/XX/XXXXXXXX

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.

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 2024-09-25 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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 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 in 60 days 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.

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 2024-09-25 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. US DEPT EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX US DEPT ED-XXXX US DEPT EDXXXX

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 2024-09-25 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: NV

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. 
( Capital XXXX {$380.00} XX/XX/XXXX, XXXX XXXX {$14000.00} XX/XX/XXXX XXXX EDC self {$1200.00} XX/XX/XXXX XXXX XXXX of defense {$310.00} XX/XX/XXXX, self southside bank {$3000.00} XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
I recently reviewed my credit report and found several billing mistakes. These late payments are inconsistent with my usual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-25 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:
I am having a hard time understanding why and how this account is still reporting on my file- when I have continuously requested for your company to remove it because it is inaccurate. This inaccuracy has affected my credit score, thus affecting my entire plans of getting financial help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 60 days 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. 
Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : Ally Fincl {$23000.00}, XXXX XXXX {$1100.00}, Rise {$0.00}, Bank XXXX XXXX {$18000.00}, Money Lion {$0.00}, Please Remove all address & Update with my home address XXXX XXXX XXXX, XXXX XXXX Tx 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 2024-09-25 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
A debt collection company LVNV Funding LLC is listed on my credit three times. They were listed twice on XXXX credit report and today another appeared back again today. This same company has 3 different reporting on my credit report. Two of them are with the same company XXXX XXXXXXXX XXXX  and I have also received a letter from another debt collection agency that one of these had been sold to another company. This company is also trying to collect on an account back from 1997. This one is not on my credit report but they have been emailing me about it. I dont think this company should be reporting three different accounts on my credit reports. And Im not understanding why and how they can delete one account and then add it back again. Im feel like this is hurting my score and the company is violating the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I was shocked to know that my credit report has been improperly used, an application was done in my name and this company pulled up my credit report without my consent nor authorization, Neither I recognize this fraudulent inquiry nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-09-25 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ChexSystems Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Removal of Personal Information under XXXX XXXX Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : 1. XXXX*Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) 2. **Addresses : ** : XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per XXXX XXXX guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXXXXXX  -Expires : XX/XX/XXXXXXXX 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