vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. XXXX is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since Transunion, XXXX and XXXX credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting mXXXX XXXX XXXX. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of 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. I would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX Transunion, XXXX XXXX. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Collection {$5100.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection {$140.00} XXXX XXXX XXXX Charge-off {$170.00} XXXX XXXX Charge-off {$960.00} XXXX XXXX Charge-off {$820.00} XXXX XXXX  XXXX XXXX Charge-off {$310.00} Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IA

Complaint narrative:
I am writing in response to your recent correspondence regarding the alleged debt associated with my account. I appreciate the validations you have sent ; however, I must emphasize that none of the provided documentation includes any agreement that I have signed, explicitly binding me to the debt collection efforts undertaken by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XXXX, I attempted to use the Equifax Lock and Alert web portal to unlock my credit record, as I have successfully done in the past. However, this time, I encountered an error message instructing me to contact customer care and mention error code 101. The exact message was : " Please give us a call We can not complete your request at this time. 
Please call the Customer Care team and mention error code 101. 
XXXX Customer Care is available between XXXX ( XXXX  ) Mon-Fri and XXXX ( XXXX ) Sat-Sun. '' Following these instructions, on XX/XX/2024 I called the provided number and spoke with a representative/agent ID XXXX ), who verified my account ownership but was unable to identify or resolve the issue. Despite being informed that my file would be manually unlocked and the issue escalated to technical support, the representative encountered the same error and was unable to assist further. 

This experience has been frustrating and concerning, especially given the discovery of numerous online complaints indicating that this is a widespread issue with no apparent resolution from Equifax. The inability to unlock my credit file has directly affected my immediate need for financing, placing me in a difficult financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MA

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts/Inquiries that are being challenged XXXX XXXX XXXX XXXX Late Payment {$9600.00} XXXX XXXX XXXX {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX Collection {$5800.00} XXXX XXXX XXXXXXXX Collection {$200.00} XXXX XXXXXXXX XXXX Charge-off {$430.00} XXXX XXXXXXXX XXXX Charge-off {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: MA

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts/Inquiries that are being challenged XXXX XXXX XXXX XXXX Late Payment {$9600.00} XXXX XXXX XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX Collection {$5800.00} XXXX XXXX XXXX Collection {$200.00} XXXX XXXXXXXX XXXX Charge-off {$430.00} XXXX XXXXXXXX XXXX Charge-off {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NJ

Complaint narrative:
Please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
All fraudulent accounts for 2 Capital One Credit Cards Please help.

one balance is over {$5000.00} and the other is over {$1000.00} Please help me with removing these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: IL

Complaint narrative:
i have no idea who the company is, i have no contractual agreement with them and they have not provided me any, they took my information without my authorization which is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Before I got detained on XX/XX/year> and held without bail at the XXXX XXXX detention center I was paying XXXX around {$30.00} a month for a lot of services which included identities that I contacted the creditors in early XX/XX/year> and reported to the credit card companies that my wallet and tablet has came up missing and somebody was using my credit cards and debit cards while I was in incarcerated I have plenty of documentation and have submitted this over and over again I submitted this to the creditors. I disputed repeatedly on XXXX and I disputed and XXXX dispute where XXXX bank had to remove their false information off of my credit report from where I was a victim of identity test and Im assuming because I proved I was in the XXXX XXXX detention center when charges were ran up and I was being charged with it being I paid for a service from XXXX. Im getting ready to cancel my service because I get locked out and cant even see my credit report or dispute anything and the ones I have disputed about XXXX months ago, I never got any type of reply back not in the mail or anything, and every time I try to log into my XXXX account it locks me out for security purposes, either way, XXXX does not live up to what they charge if you cover identity theft, and unauthorized use of someones credit, but still report the false information on your credit report, then that slandering my credit and stopping me from being able to buy vehicle or rent an apartment a lot of things I already contacted the XXXX and the financial XXXX attorney general and if the issue is not resolved I will be following a lawsuit today since Ive been home I started to pay XXXX another {$30.00} a month to monitor and for identity theft just in case it was to happen again and continue to be locked out of my account so Im asking for a refund and what XXXX to honor the refund because they definitely didnt honor protecting my identity which they were paid up at the time I got detained in XX/XX/year> and even got paid for XXXX while I was in the XXXX XXXX detention center XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX XXXX on my credit report. DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Question : how can a delinquency occurred XX/XX/XXXX yet the account was opened XX/XX/XXXX. The delinquency happened before the account was ever opened? How do you have a delinquency before there was ever an account????? I disputed the inaccuracy and the fraudulent nature of this student loan account and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file. As a matter of fact they keep changing companies and re-ageing the item rather than remove the inaccurate account. They have change information on this account 8 times rather than deleting/removing the inaccurate item. 
NOTE XXXX different companies with the same account number # XXXX How can this be accurate and complete??????????? pursuant to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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:
It has been some time now that I have been trying to solve these many problems with the bureaus/agencies/creditors/debt collectors. At this point it is necessary for me to move forward with legal action and demand that the agencies remove the items that I have listed. I am leveraging my rights under Federal Law to make sure that these agencies are held accountable for their actions and right these wrongs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: TN

Complaint narrative:
I previously had an account with XXXX XXXX. This account shows up on my credit report as paid, with a XXXX balance. The amount paid is also noted. 

Out of the blue, my credit report showed a derogatory hit from a company called Zions Debt Collections. The notations were derogatory to my credit and indicated that I owed XXXX XXXX almost XXXX! I have evidence this is a scam. Others have complained online about the exact same thing. XXXX owed and Zions trying to collect. 

I paid Zions, praying they will remove this, but when you try to call them they dont answer. This company has an XXXX  rating with the XXXX in XXXX. They have complaints with the national XXXX as well. 

Someone should investigate the almost XXXX unresolved complaints against Zions Debt Holdings.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had constant correspondence with Equifax in regard to the use of my information and how it has been impacting my personal life. The company has been using my information incorrectly and has constantly refused to disclose the straps of my credit standing. My employer information has been incorrect, my credit history has been incorrect, my financial standing is incorrect, and Equifax is refusing to allow me to access my information. I have had to do an authentication process online that has access to my credit history but anything incorrect that I try to correct has been inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: OH

Complaint narrative:
I have filled a dispute with documentation to Equifax for two creditor still reporting balance on my credit report XXXX XXXX and XXXX XXXX XXXX. With documents that was provided credit report should be updated immediately not in 30 to 45 which I was told. This is unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: LendingUSA
State: IL

Complaint narrative:
I obtained a loan I thought was lendingusa. It turned out to be a scam company and the stole XXXX out of my checking account. They just now tried to take XXXX out of my XXXX XXXX. I have a signed contract says lendingusa, but it wasn't them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
XX/XX/XXXX. Received phone call from person stating they were from Bank of America. They stated they received a request for a credit card in my name, with additional card for my wife. However the name they provided for my wife ( XXXX XXXX ), is not my wife 's name. I told them to cancel the request and they responded they would " Hold '' the request, I replied, " No, don't hold, cancel the request ''. 
The information they gave me was : XXXX card applied for in the amount of {$7800.00} Person applying : XXXX XXXX last XXXX of credit card : XXXX Case number : XXXX Confirmation 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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Monday XX/XX/XXXX, I went in person to BMO Bank located in XXXX California. I deposited XXXX checks from the California state controllers office into my checking account. These paychecks were back payments for my work as an IHSS in home care provider. The checks totalled {$12000.00}. I was told that they would be a available in my account the following day. On Tuesday, I tried accessing my online banking and was locked out. I went to the local BMO branch for assistance. They called their XXXX number and we discovered that my account was frozen by the fraud department. I spent several hours speaking with the fraud department via phone and provided copies of my paystubs via email to them. They still couldn't resolve the issue. I called again today on Wednesday XX/XX/XXXX and spoke to the fraud department and they said that my account will remain frozen for a minimum of 14 days. I was told that there's nothing I can do to unfreeze my account, I just need to let them finish the fraud investigation.

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 2024-02-15 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: IA

Complaint narrative:
On XX/XX/year> and on XX/XX/year> I had a hard inquiry come to my credit report for something I never filled out and Ive tried to call the credit bureaus to get it off but they dont seem to be much help for both of the dates listed above the issuer is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account was XXXX in Bankruptcy XX/XX/. Creditor is refusing to update my account information with XXXX after several credit report disputes with XXXX. Account shows a balance & late payments after bankruptcy. Creditor is violating the Bankruptcy Code 15 USC 1681C-2 by knowingly reporting inaccurate negative information. Please update the information as of XX/XX/ as stated by law or delete it from my credit report

Company response to consumer: Closed with explanation