vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: NC

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


XXXX EXPERIAN 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! 


Update 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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: WI

Complaint narrative:
I HAVE SENT MULTIPLE REQUEST TO TRANSUNION REGARDING INFORMATION ON MY REPORT AND HAVE NOT HEARD FROM THEM YET!

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 2024-11-27 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:
I, XXXX XXXX, discovered several violations of the Fair Credit Reporting Act ( FCRA ) related to my credit report. Specifically, these violations include : Failure to XXXX XXXX : XXXX FCRA Section 616, the entities involved accepted credit information about me without verifying its accuracy firsthand, which is considered willful noncompliance. This violation could result in civil liability of up to {$1000.00} per instance.

Failure to Disclose My Rights : As per FCRA Section 603 ( d ) ( 2 ) ( A ), the entities failed to inform me of my right to opt out of sharing my personal information, which is a deceptive practice and violates my consumer rights.

Furnishing Deceptive Forms : Under FCRA Section 623 ( a ) ( 3 ), inaccurate inquiries and accounts were reported without proper validation. This violates Generally Accepted Accounting Principles ( GAAP ) and is considered deceptive. 

XXXX XXXX Violations : The entities engaged in unfair practices by reporting inaccurate debts and accounts without my consent, causing unnecessary distress and harassment from creditors. Additionally, third-party credit reporting agencies were contacted improperly regarding debts I allegedly owed, which violates regulations regarding the disclosure of debt information. 

Inaccurate Reporting of Late Payments : The entities reported " late payments '' on my credit report without providing clarity on what constitutes a " late payment, '' which is deceptive and inaccurate. 

Failure to Determine Finance Charges Accurately : The entities did not accurately calculate finance charges, which is a responsibility of credit reporting agencies. 

XXXX XXXX of XXXX : XXXX was reported on my credit report without obtaining my written consent, violating FCRA Section XXXX ( a ) ( XXXX ) regarding permissible purposes for consumer reports. 

In response, I demand immediate action to address these issues, including updating inaccurate late payment records, deleting unauthorized inquiries, and removing incorrect accounts. If these issues are not resolved promptly, I will pursue legal remedies as outlined by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Cease and Desist Request for Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection practices of [ Debt Collector 's Name or Company ]. I believe that the actions of this debt collector violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, and I am requesting your assistance in resolving this matter. 

The following is a summary of the situation : Debt Collector Information : PORTFOLIO RECOVERY ASSOCIATES Details of the Violation ( XXXX ) : [ Provide a detailed description of the debt collection practices you are disputing. Examples include harassment, calling outside of allowed hours, failure to validate the debt, misrepresentation, threats, etc. ] Requested Action : I respectfully request that the CFPB assist in enforcing a cease and desist order against the debt collector to prevent further harassment and illegal practices. I would also appreciate any guidance on how to ensure that my rights under the FDCPA are fully protected. 

Supporting Documentation : Enclosed/Attached are copies of any relevant documents, such as correspondence from the debt collector, proof of the debt, or records of telephone calls that support my claims. 

Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. I appreciate your attention to this serious matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 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: KS

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries that were fraudulently added to my credit file. I am a victim of a data breach, and these items were not authorized by me. Under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items permanently removed. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4800.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX OF XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/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 explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am submitting this formal complaint against Experian for reporting inaccurate and incomplete information regarding the XXXX XXXX XXXX account ( # XXXX ) in my credit file. The errors and inconsistencies in this account violate specific provisions of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. 

XXXX XXXX with the Account XXXX. Inconsistent Payment History : The account reflects a payment history from XX/XX/XXXX to XX/XX/XXXX with serious inconsistencies, such as alternating statuses of " Charge-off '' and " OK '' for months like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
This violates Section 607 ( b ) of the FCRA, which requires credit reporting agencies to ensure the accuracy and consistency of reported information. 

XXXX. Missing Date of Last Payment : The report omits the critical date of last payment, violating Section 609 ( a ) ( 1 ) of the FCRA, which mandates the provision of complete and clear information to consumers. 

XXXX. Inaccurate Comments : - The account includes contradictory comments, such as " XXXX '' and " Chapter XXXX bankruptcy, '' without adequately explaining the debt status or its progression. 

- This constitutes another violation of Section 607 ( b ) due to the failure to provide accurate and meaningful reporting. 

XXXX. Incorrect Dates : The date of last activity ( XX/XX/XXXX ) and the date of last reporting ( XX/XX/XXXX ) are inconsistent with data provided by other credit bureaus. 
These discrepancies further violate Section XXXX ( b ) of the FCRA, which requires accurate reporting of key dates.

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 2024-11-27 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: NC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and unauthorized accounts have been added to my credit report without my permission. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$810.00}

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 2024-11-27 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: AZ

Complaint narrative:
I have recently reached out to Transunion Special Handling Department and spoken with supervisor XXXX who refused to provide his last name. He was very unprofessional and very disrespectful. He is hateful and prejudice towards other races. He constantly called me maam on and on and on after I explained I am a sir and also after verifying my identity. I asked him how would he feel if I called him out his name and he still continues on in a disrespectful and hateful manner and then hangs up the phone one me .This is not right and should never happen to anyone..

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 2024-11-27 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 Credit Reporting Agency Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2024-11-27 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: NE

Complaint narrative:
On XX/XX/XXXX, I applied for an apartment and received a copy of my background check or screening, whatever it is called and as I was looking at it I noticed that most of the information is WRONG, such as the credit score and the " rental history '' section. as you can see from the photos below my credit score even on a vantage 3.0 scale ( which they said is why it was XXXX ) is XXXX from XXXX and XXXX. regarding the park place apartments account that still says I owe money I have paid that off as of XX/XX/XXXX of XXXX. I tried to go on experian.com to check my report but it would not let me, so I emailed and called multiple places only to get terrible customer service and no help. i spoke to a debt collecting agency today XX/XX/XXXX to make sure that they reported it to all credit bureaus since this email says they only give it to one or two, and the guy on the phone had said that they give the information to all 3 credit bureaus and the information is just a matter of if the credit agencies want to update it or not, which Experian has not and are not even willing to do. As you can see below this has caused me to not be able to get an apartment and it should not be this complicated to put in correct information.

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 2024-11-27 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: MD

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute. This company has already been notified however it is still reported this information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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