vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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:
Based on the XXXX XXXX XXXX credit report provided, the following potential FCRA violations may apply : 1. Reporting of Future Dates ( FCRA Section 623 ) Date Opened is listed as XX/XX/year>, and the Balance Updated date is XX/XX/year>. 
Reporting future dates is a clear violation of the FCRAs accuracy requirement under Section 623. Creditors and credit reporting agencies must report factual, accurate, and current information. Future dates misrepresent the status of the account.

2. Collection Account with Past Due Amount The account is noted as a Collection account with a past due amount of {$2200.00}.

Once an account is transferred to collections, it is typically considered closed and written off. Reporting a past due amount alongside a collection status can be misleading and inaccurately portray the accounts current state, violating the FCRAs accuracy standards.

3. Incomplete or Misleading Information The Terms section is blank, yet the report indicates a balance and past due amount.

Incomplete information that causes confusion can violate FCRA Section 607 ( b ), which requires credit reporting agencies to ensure reports are complete and not misleading.

4. Consumer Dispute Not Properly Investigated The comments indicate that the account information is disputed by consumer under the FCRA.

If the credit reporting agency or furnisher has not conducted a thorough investigation and continues to report inaccuracies, it violates the 30-day dispute resolution requirement under FCRA Section 611.

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 2024-12-17 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: SC

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
My account with Apple Goldman Sachs was closed due to being the wrong account identified. Me and my father have the same name and address, but he is the person going through Bankruptcy. My account is in good standing and always have been with never missing a payment or any issues until they wrongfully closed my account and not the Correct XXXX XXXX XXXX. I'm XXXX XXXX XXXX XXXX and he is XXXX XXXX XXXX XXXX Also to mention he has never been on my account and is not a part of the account that was closed and currently locked at all.

Also explained to Apple and Goldman Sachs that they closed the account of the wrong person and that it's not my case and I'm not involved with any Bankruptcy currently or in the past and want access back to my accounts. This can cause a very negative impact to my credit and my personal life with this effecting me. GS process for blocking accounts is broken and they are not properly vetting client 's information based on client PII and making sure they are selecting the proper client account to close or lock that is dealing with a bankruptcy. We do not have the same SSN and they just looked at address and name and did not properly resolve the issue and fix it in a timely manner how it should I called over 5 times and explained this matter to each personnel and they also gave me give account information and not mine, so they are not properly separating clients data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
Ive recently discovered multiple inquiries on my credit report that I did not authorize and have no connection to. These companies have pulled my information without my consent, and fraudulent applications were made in my name. I contacted the credit bureau, and a representative assured me that these inquiries would be removed, yet they remain on my report. This situation is causing me significant stress and frustration, as I did not approve these inquiries, nor did I initiate any related transactions.

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 2024-12-17 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: MD

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-12-17 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: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
THERE IS AN UNAUTHORIZED ACCOUNT ON MY CREDIT FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
For over four years, my Regions Bank account has been placed on hold, and I have been unable to access my funds despite repeated attempts to resolve this issue.

When the account was initially on hold, the balance was approximately {$1700.00}. Over the years, the balance has inexplicably dropped to {$900.00}, yet no one at Regions has provided a clear explanation or solution for the missing funds. I have contacted both the branch where I originally opened the account and customer service multiple times, but I have been met with delays, unhelpful responses, and no resolution. I currently live in North Carolina and can not travel to the original branch in XXXX due to financial hardship. Regions has offered no alternative solution to verify my identity or resolve this matter remotely, leaving me in a difficult and frustrating position. I am requesting immediate action to restore access to my account, investigate the missing funds, and provide a clear path to resolve 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 2024-12-17 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: MO

Complaint narrative:
I am seeking your assistance with a false account appearing on my credit report. This matter has harmed my reputation as a customer, and I need your support. I want these accounts removed as they are incorrectly and negatively reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This debt has been charged off and reported to the IRS as loss income however, I have not received a 1099-C form, which is considered fraud. Furthermore, I requested the original signed account agreement which Portfolio Recovery does not have. Therefore, they can not substantiate this alleged debt, which they are reporting to the credit reporting bureau as being in collections, leaving an adverse remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosenberg & Associates Recovery Services
State: VA

Complaint narrative:
XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to file a formal complaint and report a potential scam involving a company named Rosenberg & Associates Recovery Services XXXX which is attempting to collect a debt that I do not owe. I would like to bring this issue to your attention in hopes of protecting others from similar fraudulent activities. 

Details of the Incident : Date of Incident : XX/XX/XXXX Scammers Contact Information : Company Name : Rosenberg & Associates Recovery Services Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Debt Information : Amount Claimed : {$1000.00} Company Allegedly Involved : XXXX XXXX XXXX ( a payday loan provider ) Claimed Debt Date : XXXX Alleged Default Date : XX/XX/XXXX The company claims that I owe a payday loan debt to XXXX XXXX XXXX from XXXX, stating that I was living in Florida  at the time and stopped making payments in XX/XX/XXXX. However, I was not living in Florida during that time. In fact, I was residing in Virginia as I gave birth to my son in XX/XX/XXXX. I have never taken out a payday loan from XXXX XXXX XXXX. 

Additionally, I filed for bankruptcy in XXXX, and if I had in fact taken out such a loan, it would have been cleared as part of the approved bankruptcy. 

I believe that this company is either misrepresenting my debt or engaging in fraudulent behavior, and I request the FTC to investigate this matter and take appropriate action. 

Supporting Information : I can provide further documentation, including bankruptcy papers and any communications received from Rosenberg & Associates Recovery Services, if needed. 

Thank you for your attention to this matter. I hope this report can help prevent further harm to others who XXXX be targeted by this fraudulent company. Please let me know if additional information or documentation is required for your investigation. 

Sincerely, XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-12-17 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: MA

Complaint narrative:
My account on Experian is locked. When I tried to reset the password after putting in my social security number and phone number the email that appeared to which it would be sent for verification was not my email address. Someone has hijacked my account with their email address. I can not reach a human being to speak with and don't know where to send my inquiry. The Experian phone tree is useless, although I think I was able to freeze my credit by phone. I am waiting for a confirmation email, but perhaps the fraudulent one will receive it. 

These are known problems with this company.

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 2024-12-17 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
Discovering that I have been a victim of identity theft has been deeply unsettling and frustrating. My personal information was used without my consent, resulting in unauthorized accounts and activities appearing on my credit reportaccounts that I have no connection to. Taking this matter seriously, I immediately filed a report with the Federal Trade Commission ( FTC ) as instructed by the credit bureaus. I submitted this report along with all necessary documentation, expecting a swift resolution. However, despite my efforts, these fraudulent accounts remain on my credit report, which is incredibly concerning given the potential harm to my financial stability and creditworthiness

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 2024-12-17 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: TN

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX Consumer Financial Protection Bureau XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and unverifiable reporting by multiple creditors and credit bureaus, despite my repeated attempts to resolve these issues. The following negative items have been disputed multiple times, but have returned as " verified '' without proper proof of accuracy. 

Inaccurate Accounts XXXX XXXX ( Charge-Off ) Account Number : XXXX Balance : {$8500.00} Credit Limit : {$8000.00} The reported balance exceeds the credit limit. Inaccurate payment history and charge-off status were found on XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$19000.00} Discrepancies in last payment date and charge-off validation were noted on Equifax and XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : [ XXXX  Account Number ] Balance : {$2600.00} There are errors in delinquency and account status on XXXX and XXXX. 

XXXX XXXX XXXX ( Late Payments ) Account Number : [ XXXX XXXX XXXX  ] Multiple late payments reported inconsistently on XXXX. 

XXXX XXXX ( Collection ) Account Number : XXXX Balance : {$410.00} Remarks : Dispute unresolved but marked as Collection on all three bureaus. 

Excessive and Unauthorized Inquiries Repeated hard inquiries made without my consent. The dates and companies of the unauthorized inquiries are as follows : XXXX Card Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX  Services Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX ( multiple inquiries ) Dates of Inquiries : XX/XX/XXXX, XX/XX/XXXX These inquiries have not been authorized and are negatively affecting my credit score. 

Despite my efforts to dispute these items directly with the credit bureaus, I have yet to receive satisfactory resolutions. I kindly ask the CFPB to intervene and ensure that these inaccurate and unverifiable items are investigated and removed. 

Relevant Consumer Laws Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must correct or delete inaccurate or unverifiable information.

Under 15 U.S.C. 1681s-2 ( b ), furnishers of information ( creditors ) must investigate disputes and provide proper verification.

Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692g, debt collectors must validate any debt if requested by the consumer.

Under 15 U.S.C. 1692e, misleading or harassing debt collection practices are prohibited. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief