vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: PR

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit reports with XXXX, XXXX, and Equifax, Upon careful review of my credit reports, I have identified discrepancies in the reporting of this account that I believe require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which inaccurately reflects the current status of the account. While the account may have experienced past delinquencies, it is currently being paid as agreed. Therefore, the account status should be updated to accurately reflect that it is " Paid as agreed '' or " Current. '' Inconsistent Payment History : The account history indicates past delinquencies, with XXXX reporting past due status multiple times. However, there is inconsistency among the credit bureaus regarding the reported delinquency periods. This discrepancy requires clarification and correction to ensure accurate reporting of payment history. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. While XXXX and XXXX report a balance of {$6.00}, Equifax incorrectly reports a balance of {$0.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/2024, while Equifax reports a different date. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: PR

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit reports with XXXX, Experian, and XXXX, Upon careful review of my credit reports, I have identified discrepancies in the reporting of this account that I believe require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which inaccurately reflects the current status of the account. While the account may have experienced past delinquencies, it is currently being paid as agreed. Therefore, the account status should be updated to accurately reflect that it is " Paid as agreed '' or " Current. '' Inconsistent Payment History : The account history indicates past delinquencies, with Experian reporting past due status multiple times. However, there is inconsistency among the credit bureaus regarding the reported delinquency periods. This discrepancy requires clarification and correction to ensure accurate reporting of payment history. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. While XXXX and Experian report a balance of {$6.00}, XXXX incorrectly reports a balance of {$0.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/2024, while XXXX reports a different date. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.

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 2024-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
Good afternoon so I have been an XXXX customer for 6 years and never had an issue getting a loan. Well I have had to reapply for this loan 3 times do to XXXX XXXX. My bank does not do third party verification so I have to use XXXX XXXX. Which I did and on my end it says its been successfull. However I have been told my info was not received from them. But I called XXXX XXXX myself to see and the rep told me she can view my information and all ACE needs to do is login their portal add Request code : XXXX and they can view my information. Apparently your customer rep to your supervisor have no idea what this is or can help me. Im like call XXXX XXXX they say they can not. I am at my wits end. Can you please check on this for me. Customer name : XXXX XXXX telephone number, XX/XX/year> date of birth, XXXX last four of social. Thanks for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account [ XXXX XXXX XXXX ] was charged off on the date : ( XX/XX/XXXX ) Ever since then the date of last activity has been improperly and inconsistently updated. On Transunion it shows last activity was ( XX/XX/XXXX ), On XXXX it shows that the last activity was ( XX/XX/XXXX ) & On XXXX it shows ( XX/XX/XXXX )! 

To my knowledge, the law says ALL credit reporting agencies must work together and be joined to report the same information accurately. This account isn't reporting the same across all so that must not be the case and this account needs to be removed immediately. 

According to 15 USC 1681b ( e ) ( 6 ) - Notification system by agencies that operate nationwide : Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. 

Due to the fact that things are being reported differently between XXXX, Transunion XXXX XXXX, it's clear that you all aren't in compliance with the law and my rights are being violated. A notification system is not being maintained and therefore this account is INACCURATE! No inaccuracies may be reported. On several occasions, you failed to investigate this account properly and therefore I DEMAND YOU TO DELETE THIS ACCOUNT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( XXXX XXXX XXXX Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, FCRA 611 ( 15 U.S.C. 1681I ), please provide the name and business addresses of each individual with whom you verified and follow up. Please send me an updated copy of my credit report after your reinvestigation. 



( XXXX XXXX XXXX Account Number XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
FCRA 605B, I think, mandates the removal of any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and 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 2024-05-15 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: TN

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Global Credit & Collection Corporation
State: AK

Complaint narrative:
On XX/XX/XXXX I went into XXXX XXXX XXXX in hopes of setting up a new bank account with my husband. I was notified by the remember, I was speaking with that I was not able to do this due to the amount of money I owed to global credit union. I was not aware I owed any money to global credit Union so I immediately made a phone call over to their office. I was speaking with a male who told me that my account, had a negative balance of around {$1300.00} due to XXXX checks being deposited back in XX/XX/XXXX. I asked if there was anything to dispute this the only thing he could tell me was that this was XXXX XXXXXXXX not global. He said there might not be anything global can do as a company because its been over XXXX months. He told me he would put together a debt validation packet so I can get this disputed, I have never received that. I called the office XXXX weeks later in hopes to get this packet. I spoke to another team member And was told she was going to push this higher up in hopes to get this resolved. A few weeks after this, I received a phone call from XXXX XXXX, manager for the collections department Who told me she was working on it and getting together all the documents she needs to be able to dispute this. XXXX weeks later I got another phone call from her on XX/XX/XXXX she explained to me the situation on how XXXX checks were deposited the same day the first one being a remote deposit in pending status the second one being me going into the office, speaking to a teller, depositing the check in person. I asked her why the teller didnt tell me that there was A remote deposit and why he continued to follow through with the in branch deposit and she had no answers for me. I asked her why I didnt have the overdraft protection on my account as well and she told me it couldve been a fee structure change between XXXX  XXXX XXXX and global so she wasnt really able to give me any more information.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to urgently escalate a matter previously addressed in complaints filed on XX/XX/year> ( CFPB Ref No : XXXX ), and XX/XX/year> ( CFPB Ref No : XXXX ), concerning American Expresss incorrect reporting of a business credit card to my personal credit report. 

Despite multiple correspondences and complaint filings, American Express has yet to provide a satisfactory explanation or adequate documentation that justifies the reporting of the XXXX XXXX XXXX ending in XXXX as a personal liability. The responses from American Express, including the most recent dated XX/XX/year>, have failed to address my specific concerns about the absence of a personal guarantee. Notably, after XXXX XXXX initial response in XX/XX/year>, where they did not validate the account as a personal obligation, the account was removed from my personal credit report, only to resurface recently, contradicting the previous resolution. 

Additionally, this account never reported to my personal credit while it was current. It only appeared on my personal credit report after the business defaulted on the payment, which was later paid in full. The business associated with this card has fully paid the owed amount. Despite this, the account is erroneously being reported as a charge-off on my personal credit report. 

The re-emergence of this account and its incorrect status on my personal credit files is perplexing and alarming, especially since the documentation provided, including statements and a copy of the application information, does not constitute a binding personal agreement or evidence of a personal guarantee on my part. As the card was signed and used strictly in my capacity as a XXXX XXXXXXXX of XXXX XXXX, and no personal guarantee was signed, it is inappropriate and erroneous to report this business debt on my personal credit files. 

Furthermore, American Express has failed to validate this account properly, violating the Fair Credit Reporting Act ( FCRA ) multiple times. In their validation attempts, they merely sent statements, which do not prove that I personally guaranteed the account. This alone is sufficient reason for the immediate removal of this account from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX. 
XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX. 
XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX. 
I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act 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 non-monetary relief
Consumer complaint received 2024-05-15 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit reports with TransUnion and XXXX, I have identified discrepancies in the reporting of this account that I believe warrant further investigation and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Closed '' on both TransUnion and XXXX, which is accurate. However, XXXX does not report this account, leading to inconsistency in reporting across the credit bureaus. I request that XXXX either report the account as " Closed '' or remove it entirely from my credit report. 

Incorrect Payment Status : The payment status is reported differently on TransUnion and XXXX. TransUnion reports the account as " Payment after charge off/collection, '' while XXXX reports it as " Paid, was a charge-off. '' This inconsistency requires clarification to ensure accurate reporting across both bureaus. 

Inconsistent Payment History : The payment history on XXXX indicates past delinquencies, with the account being 120 days past due in XXXX and XX/XX/XXXX. However, TransUnion does not reflect this information. This discrepancy in reporting requires verification and correction to ensure consistency across both bureaus. 

Date Last Active : The date last active is reported differently on TransUnion and XXXX. TransUnion reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit reports with XXXX and Experian, I have identified discrepancies in the reporting of this account that I believe warrant further investigation and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Closed '' on both XXXX and Experian, which is accurate. However, XXXX does not report this account, leading to inconsistency in reporting across the credit bureaus. I request that XXXX either report the account as " Closed '' or remove it entirely from my credit report. 

Incorrect Payment Status : The payment status is reported differently on XXXX and Experian. XXXX reports the account as " Payment after charge off/collection, '' while Experian reports it as " Paid, was a charge-off. '' This inconsistency requires clarification to ensure accurate reporting across both bureaus. 

Inconsistent Payment History : The payment history on Experian indicates past delinquencies, with the account being 120 days past due in XXXX and XX/XX/XXXX. However, XXXX does not reflect this information. This discrepancy in reporting requires verification and correction to ensure consistency across both bureaus. 

Date Last Active : The date last active is reported differently on XXXX and Experian. XXXX reports XX/XX/XXXX, while Experian reports XX/XX/XXXX. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.

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 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized inquiries on my credit report

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