vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
Dear Experian, I am writing to formally dispute the reporting of the account XXXX. I recently obtained a copy of my credit report and found several inaccuracies and instances of non-compliance with the Metro2 report thats being reported. 
Account Number XXXX XXXXPlease verify for accuracy XXXX Please verify for accuracy XXXXPlease verify for accuracy XXXX questionable XXXXMissing field but it is required XXXX A violation because there should be no past due amount on a collection account XXXX Missing field and it's required XXXXQuestionable-There was no complete or full investigation done and how was it verified/updated XXXXmissing field and it's required Also, upon reviewing the Metro 2 compliance guidelines and CDIA reporting requirements, I have identified the following discrepancies. 
Term Frequency- ( XXXX ) -This field is missing from the report, and this must be present, or you must delete this report immediately. 
FCRA Compliance/Date of First DelinquencyXXXXThis field is missing from the report, and this must be present, or you delete this account immediately ECOA XXXXThis field is missing from the report and this must be present or you must delete this report immediately. 
Also, I have other discrepancies concerning the payment history. 
This account went into collection in XX/XX/year> and since the account has repeatedly been updated as collection every month. This is an update on the payment history. A collection account should never include a past due balance. ITS A VIOLATION-PLEASE DELETE THIS ACCOUNT Im also attaching proof concerning the payment history as well as the missing fields.

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 2024-07-29 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: AZ

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: AZ

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-07-29 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 non-monetary relief
Consumer complaint received 2024-07-29 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-07-29 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: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I reached out to all three credit bureaus in regards to the accounts listed below, XXXX, Equifax, and XXXX have all failed to send me the proof of the charge off and the copy of their investigation. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disagree with the accuracy of the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, XXXX XXXX XXXX. In accordance with the fair credit reporting act public law 91-506, titleVI, section 611 subsections A-D, please provide me with the names and business address of each individual with whom you verified the above, so I can follow up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2024-07-29 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> Affirm furnished a late payment on my consumer report without my knowledge as stated by law 15 U.S. Code 1666b - Timing of payments ( 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.

I never received a notice 21 days prior to Due Date affirm has stated they accurately verified the account. how was this account and information verified? 3 days before due date was not mentioned in any part of 15 U.S. Code 1666b - Timing of payments It is their duty as stated by law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Which Affirm is clearly in violation of my rights this if affecting my every day life of living as well as damaging my credit worthiness as stated by law 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
Part 2 of a previous complaint that I've filed, Complaint ID : XXXX, now dealing with Experian. 

In short, an account in my name was opened under fraudulent means, one XXXX XXXX XXXX  XXXX Through conversations, investigations, and report filings, the original account holders, per their words through a letter, have closed the account. It is no longer a hard inquiry, however, the account is still listed as active and open on my Credit File/Report, impacting it.

Multiple attempts to explain this to Experian aren't working, so I am now filing a XXXX  complaint. I want these two companies to talk, discuss, and find a way to remove this, per XXXX XXXX XXXX words, no longer active account from my records. There is no account to pay, ergo, I can't close it.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX Down fraud transfer my name and use my name request and send my wife name to transfer with my phone service port line pull to make another account and pull to information my phone service and phone service give 7 days temporary pin without my permission and make XXXX dollars money transfer my account to wife account and money is gone Bank blaming to us we request mistake but we not request the reason we dont need this money because the day is car payments and comed payment why we move or transfer this money to XXXX XXXX money in my account I deactivated because few days before debit card bank order and we not in position this card before hacker use my card purchase and thats day incident Ill be stop my XXXX XXXX 
Anyway is long detail me and my wife dont request this fund by XXXX we facing serious theft and we need to bank fraud department to find more detail because is not our number use to transfer money I have several proof in my hands

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 2024-07-29 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: DE

Complaint narrative:
Equifax and XXXX continue to violate my rights. They refuse to investigate my claims or provide me with their method of verification. They only send stall letters. This is destroying my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: CT

Complaint narrative:
NEEDS IMEDIATE ATTENTION!! IVE REACHED OUT TO THE REPORTING COMPANIES AFTER SUBMITTING ON XX/XX/year> XXXXTHEY STATED THEY HAVE RECEVIED FROM CFPB. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I have provided my photo ID along with required documents I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CT

Complaint narrative:
NEEDS IMEDIATE ATTENTION!! IVE REACHED OUT TO THE REPORTING COMPANIES AFTER SUBMITTING ON XX/XX/year> .THEY STATED THEY HAVE RECEVIED FROM CFPB. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I have provided my photo ID along with required documents I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

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 2024-07-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX their repeated and illegal actions concerning XXXX open collections accounts on my credit report, XXXX from XXXX and another from XXXX. Despite numerous attempts to resolve this issue, including providing an FTC identity theft report, these accounts remain in collections, and the company continues to report and update them incorrectly. 

Issues and Violations Misrepresentation and Deceptive Practices : XXXX XX/XX/XXXXt has frequently changed or updated the name associated with these accounts on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ), which prohibits furnishing information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate. 

Failure to Provide Verification and Rude Conduct : When contacting their customer service, including supervisors, I have faced rude, unprofessional behavior and blatant misrepresentation, including instances where employees have pretended to be supervisors. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt. 

Failure to Cease Reporting on Disputed Debt : Despite being notified of the dispute and the fraudulent nature of these accounts, XXXX XXXX has XXXX to cease collection activities and continues to report the debt, contravening the FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information. 

Invasion of Privacy and Harassment : The company 's repeated requests for my personal information during calls, despite the known dispute and fraud status, have made me extremely uncomfortable. This could potentially violate FDCPA 15 U.S.C. 1692d, which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

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 2024-07-29 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX their repeated and illegal actions concerning XXXX open collections accounts on my credit report, XXXX from XXXX and another from XXXX. Despite numerous attempts to resolve this issue, including providing an FTC identity theft report, these accounts remain in collections, and the company continues to report and update them incorrectly. 

Issues and Violations Misrepresentation and Deceptive Practices : XXXX Funding/Resurgent has frequently changed or updated the name associated with these accounts on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ), which prohibits furnishing information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate. 

Failure to Provide Verification and Rude Conduct : When contacting their customer service, including supervisors, I have faced rude, unprofessional behavior and blatant misrepresentation, including instances where employees have pretended to be supervisors. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( XXXX ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt. 

Failure to Cease Reporting on Disputed Debt : Despite being notified of the dispute and the fraudulent nature of these accounts, XXXX XXXX has failed to cease collection activities and continues to report the debt, contravening the FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information. 

Invasion of Privacy and Harassment : The company 's repeated requests for my personal information during calls, despite the known dispute and fraud status, have made me extremely uncomfortable. This could potentially violate FDCPA 15 U.S.C. 1692d, which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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. 

XXXX5 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