vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

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 XXXX XXXX XXXX AND XXXX XXXX XXXX  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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the accounts and inquiries listed below, which have resulted from this breach. I ask that these items be blocked and permanently deleted from my credit report immediately. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$3600.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$4600.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$5100.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the accounts and inquiries listed below, which have resulted from this breach. I ask that these items be blocked and permanently deleted from my credit report immediately. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$3600.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$4600.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$5100.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-17 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: NY

Complaint narrative:
This is regarding account number # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX. I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. According to 15 USC 1681 EB and 15 USC 1681 I, you are suppose to assure maximum possible accuracy. These Accounts is not accurate to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account contains incorrect information, and I request that it be removed from my credit report. Despite providing documentation supporting my claim, the credit bureaus failed to correct or delete the inaccurate information within the legally required 30 days. Section 623 ( 15 U.S.C. 1681s-2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account contains incorrect information, and I request that it be removed from my credit report. Despite providing documentation supporting my claim, the credit bureaus failed to correct or delete the inaccurate information within the legally required 30 days. Section 623 ( 15 U.S.C. 1681s-2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed this account numerous times with all ( 3 ) Credit Reporting Agencies. It is reported by XXXX XXXX that in XXXX, XXXX, XXXX, XXXX of XXXX the payments were 30plus days late. I have called XXXX XXXX Numerous times to only be told an account with my Social Security number, Vehicle ID Number, Name, birthdate - does not exist in their system and does not exist in their archives. I even called today : I called XXXX XXXX on the phone number listed on their website ( XX/XX/XXXX at XXXX XXXX  ) - I was asked for my Name, Phone number, Vehicle ID Number and my Social Security number and nothing came up. They asked me to call : XXXX, I spoke to XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) that could not find an account associated with my Name or Social Security number and she asked me to call : XXXX XXXX. ( XX/XX/XXXX XXXX XXXX  I spoke to XXXX XXXX who stated there is NO ACCOUNT OR VEHICLE IN THE SYSTEM TO MATCH MY NAME AND SOCIAL SECURITY NUMBER> DELETE THIS ACCOUNT FROM ALL ( 3 ) CREDIT REPORTING AGENCIES OR I WILL SUE. I have filed numerous DISPUTES with the Credit reporting agencies only to come back CLOSED AND UPDATED I asked for Debt Validation- NONE EVER GIVEN, I have asked for a PAYMENT HISTORY, THEY CAN NOT FIND IT. I Have been disputing/ contacting for over 6 months as the negative reporting on my credit history has made my credit score suffer and I had to get a higher interest rate on my home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed this account numerous times with all ( XXXX XXXX XXXX XXXX XXXX. It is reported by XXXX XXXX that in XXXX, XXXX, XXXX, XXXX of XXXX the payments were XXXX days late. I have called XXXX XXXX XXXX times to only be told an account with my Social Security number, Vehicle ID Number, Name, birthdate - does not exist in their system and does not exist in their archives. I even called today : I called XXXX XXXX on the phone number listed on their website ( XX/XX/XXXX at XXXX pm ) - I was asked for my Name, Phone number, Vehicle ID Number and my Social Security number and nothing came up. They asked me to call : XXXX, I spoke to XXXX ( XX/XX/XXXX at XXXX : XXXX pm ) that could not find an account associated with my XXXX or Social Security number and she asked me to call : XXXX XXXX. ( XX/XX/XXXX XXXX pm I spoke to XXXX XXXX who stated there is NO ACCOUNT OR VEHICLE IN THE SYSTEM TO MATCH MY NAME AND SOCIAL SECURITY NUMBER> DELETE THIS ACCOUNT FROM ALL ( 3 ) CREDIT REPORTING AGENCIES OR I WILL SUE. I have filed numerous DISPUTES with the Credit reporting agencies only to come back CLOSED AND UPDATED I asked for Debt Validation- NONE EVER GIVEN, I have asked for a PAYMENT HISTORY, THEY CAN NOT FIND IT. I Have been disputing/ contacting for over 6 months as the negative reporting on my credit history has made my credit score suffer and I had to get a higher interest rate on my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed this account numerous times with all ( 3 ) Credit Reporting Agencies. It is reported by XXXX XXXX that in XXXX, XXXX, XXXX, XXXX of XXXX the payments were 30plus days late. I have called GM Financial Numerous times to only be told an account with my Social Security number, Vehicle ID Number, Name, birthdate - does not exist in their system and does not exist in their archives. I even called today : I called XXXX XXXX on the phone number listed on their website ( XX/XX/XXXX at XXXX XXXX ) - I was asked for my Name, Phone number, Vehicle ID Number and my Social Security number and nothing came up. They asked me to call : XXXX, I spoke to XXXX ( XX/XX/XXXX at XXXX : XXXX XXXX  ) that could not find an account associated with my Name or Social Security number and she asked me to call : XXXX XXXX. ( XX/XX/XXXX XXXX XXXX I spoke to XXXX XXXX who stated there is NO ACCOUNT OR VEHICLE IN THE SYSTEM TO MATCH MY NAME AND SOCIAL SECURITY NUMBER> DELETE THIS ACCOUNT FROM ALL ( XXXX ) CREDIT REPORTING AGENCIES OR I WILL SUE. I have filed numerous DISPUTES with the Credit reporting agencies only to come back CLOSED AND UPDATED I asked for Debt Validation- NONE EVER GIVEN, I have asked for a PAYMENT HISTORY, THEY CAN NOT FIND IT. I Have been disputing/ contacting for over 6 months as the negative reporting on my credit history has made my credit score suffer and I had to get a higher interest rate on my home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I requested TD bank to supply documentation of transactions from XXXX XXXX to XXXX XXXXWhat I am requesting are transactions from automatic atm withdrawals and deposits and cash app transfers any funds transferred if available bank transfer code

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am unaware of doing business with this company! It looks like my information. Was sold without my consent to Jefferson. Capital. This is clear FTC violation of code 15 USC CODE 1681S-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXXXXXX for inaccurately reporting a late payment for XX/XX/year> on my credit report, which violates the CARES Act and the Fair Credit Reporting Act ( FCRA ).

This inaccurate reporting has harmed my credit score, financial standing, and opportunities to secure credit. I have previously disputed this matter with Experian but have not received a satisfactory resolution.

Details of the Complaint : Violation of the CARES Act ( Section 4021 ) : During the COVID-19 pandemic, I was under financial hardship and was
placed on a relief/forbearance plan in accordance with the CARES Act.

The CARES Act prohibits creditors from reporting late payments for accounts placed under forbearance or deferment plans. 
XXXX XXXX XXXXXXXX failed to comply with this provision by reporting my account as late for XX/XX/year>. 
Inconsistency Between Credit Bureaus : The late payment is only reported by Experian. Both XXXX and XXXX show my account as current, which highlights the inaccuracy and lack of verification by Experian. 
Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting false information.

15 U.S.C. 1681i ( a ) : I formally disputed this error with Experian, and they failed to investigate and correct the inaccurate information within the legally required 30-day timeframe.

Impact on My Credit : This inaccurate reporting has caused a significant drop in my credit score, negatively affecting my ability to secure credit opportunities and financial stability during a challenging time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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