vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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:
Subject : Discrepancy in Credit Reporting by XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate information being reported by XXXX  XXXX to the credit bureaus, which is negatively impacting my credit profile. 

The issue at hand concerns a XXXX XXXX account that was paid in full and closed in XX/XX/XXXX. However, I have noticed that on my credit report, the account is being reported as having been " 30 days past due '' for both XXXX and XX/XX/XXXX. This is incorrect, as the account was current and all terms were being met until the account was closed. 

To clarify : - The account in question was current and paid on time through all billing periods up until it was closed in XX/XX/XXXX. 
- There is no record of the account being past due in XXXX or XX/XX/XXXX, yet these months are being reported as " 30 days past due. '' - This inaccurate reporting of " 30 days past due '' in back-to-back months is misleading and does not reflect the actual status of my account. 

The erroneous reporting of late payments is causing significant harm to my credit profile. The account was in good standing, and there is no justification for the reported delinquency during those months. The repeated reporting of these inaccuracies is damaging to my credit score and has a detrimental effect on my financial standing. 

I am requesting that XXXX XXXX be instructed to correct this misinformation and permanently remove any reference to " 30 days past due '' for XXXX and XX/XX/XXXX from my credit report. I would also like confirmation that this incorrect data has been completely and permanently deleted from my file, as it is causing undue harm to my creditworthiness. 

Please investigate this matter and take appropriate action to rectify this issue as soon as possible. I would appreciate a timely response and would be happy to provide any further information if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
Subject : Discrepancy in Credit Reporting by XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate information being reported by XXXX XXXXXXXX to the credit bureaus, which is negatively impacting my credit profile. 

The issue at hand concerns a XXXX XXXX account that was paid in full and closed in XX/XX/XXXX. However, I have noticed that on my credit report, the account is being reported as having been " 30 days past due '' for both XXXX and XX/XX/XXXX. This is incorrect, as the account was current and all terms were being met until the account was closed. 

To clarify : - The account in question was current and paid on time through all billing periods up until it was closed in XX/XX/XXXX. 
- There is no record of the account being past due in XXXX or XX/XX/XXXX, yet these months are being reported as " 30 days past due. '' - This inaccurate reporting of " 30 days past due '' in back-to-back months is misleading and does not reflect the actual status of my account. 

The erroneous reporting of late payments is causing significant harm to my credit profile. The account was in good standing, and there is no justification for the reported delinquency during those months. The repeated reporting of these inaccuracies is damaging to my credit score and has a detrimental effect on my financial standing. 

I am requesting that XXXX XXXX be instructed to correct this misinformation and permanently remove any reference to " 30 days past due '' for XXXX and XX/XX/XXXX from my credit report. I would also like confirmation that this incorrect data has been completely and permanently deleted from my file, as it is causing undue harm to my creditworthiness. 

Please investigate this matter and take appropriate action to rectify this issue as soon as possible. I would appreciate a timely response and would be happy to provide any further information if necessary. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-11-13 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: Experian Information Solutions 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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: MS

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Subject of Complaint : Request for Assistance with Inaccurate Credit Reporting and Debt Validation Complaint Details : I am filing this complaint to address the following issues related to my XXXX credit report and the reporting of an alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Inaccurate Personal Information on Credit Report : I have previously requested XXXX to update my personal information to reflect my correct details, including my name, date of birth, Social Security Number, and address. Despite multiple written requests dated XX/XX/year>, and XX/XX/year>, the incorrect information remains on my credit report. This discrepancy has significantly impacted my ability to purchase a home, as creditors are basing decisions on inaccurate data. 
Debt Validation Issues Related to XXXX XXXX : An alleged debt from XXXX XXXX  with Account # XXXX in the amount of {$11000.00} is reported on my credit report. I have sent formal debt validation requests to XXXX, per the Fair Debt Collection Practices Act ( FDCPA ) requirements, requesting documentation such as : Proof of assignment showing that the debt was transferred from the original creditor. 
Detailed breakdown of the debt amount, including any fees or accrued interest. 
A copy of the original agreement bearing my signature. 
To date, XXXX has not provided adequate documentation to substantiate this debt. Under FDCPA regulations, I requested that all collection activities cease until validation is provided. My attempts to resolve these issues with XXXX have not been successful. 

Impact on Creditworthiness and Financial Well-Being : The inaccurate information and unvalidated debt continue to harm my credit score and impede my financial plans, including securing housing for my family. 
Resolution Requested : I request that the CFPB intervene to ensure XXXX : Corrects the inaccurate personal information on my credit report. 
Provides appropriate documentation or removes the unvalidated XXXX XXXX debt from my report. 
Supporting Documentation : Copies of my previous requests to XXXX ( XX/XX/year>XXXX  ; XX/XX/year> ). 
Identification documents ( Drivers License, Social Security Card ). 
Previous credit reports showing disputed information. 


Sincerely, 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 2024-11-13 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: MS

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Subject of Complaint : Request for Assistance with Inaccurate Credit Reporting and Debt Validation Complaint Details : I am filing this complaint to address the following issues related to my XXXX credit report and the reporting of an alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Inaccurate Personal Information on Credit Report : I have previously requested XXXX to update my personal information to reflect my correct details, including my name, date of birth, Social Security Number, and address. Despite multiple written requests dated XX/XX/, and XX/XX/, the incorrect information remains on my credit report. This discrepancy has significantly impacted my ability to purchase a home, as creditors are basing decisions on inaccurate data. 
Debt Validation Issues Related to XXXX XXXX : An alleged debt from XXXX XXXX  with Account # XXXX in the amount of {$11000.00} is reported on my credit report. I have sent formal debt validation requests to XXXX, per the Fair Debt Collection Practices Act ( FDCPA ) requirements, requesting documentation such as : Proof of assignment showing that the debt was transferred from the original creditor. 
Detailed breakdown of the debt amount, including any fees or accrued interest. 
A copy of the original agreement bearing my signature. 
To date, XXXX has not provided adequate documentation to substantiate this debt. Under FDCPA regulations, I requested that all collection activities cease until validation is provided. My attempts to resolve these issues with XXXX have not been successful. 

Impact on Creditworthiness and Financial Well-Being : The inaccurate information and unvalidated debt continue to harm my credit score and impede my financial plans, including securing housing for my family. 
Resolution Requested : I request that the CFPB intervene to ensure XXXX : Corrects the inaccurate personal information on my credit report. 
Provides appropriate documentation or removes the unvalidated XXXX XXXX debt from my report. 
Supporting Documentation : Copies of my previous requests to XXXX ( XX/XX/ ; XX/XX/XXXX  ). 
Identification documents ( Drivers License, Social Security Card ). 
Previous credit reports showing disputed information. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a complaint against Transunion for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Transunion via XXXX certified mail, tracking number # XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. According to XXXX tracking, the letter was delivered to Transunion on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Transunion. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was apartment searching in XXXX and thought I found the perfect apartment. I only communicated through email and was told to send my rent deposit to someone I didnt know. I was under the assumption that my money that I sent was for an apartment but after I sent money the contact fizzled out. It looks like I just sent someone money on XXXX but it was a scam since I never got the apartment they spoke of. I am worried that there is nefarious activity happening at this address when it comes to this. I found the listing on XXXX for the perfect place. Communication via email was nice and friendly and I fell for it. They told me to send my money and I could get place. On XX/XX/XXXX I sent over {$1500.00} as a deposit and I felt odd about it. I almost canceled it before the payment went through but I was too late. The address is XXXX XXXX XXXX XXXX XXXX, Wa XXXX. I was told by a XXXX XXXX to send a XXXX XXXX the deposit. 
The information sent was to a Chime bank account Routing number XXXX Account number XXXX XXXX phone number XXXX After they got payment, confirmed by email. I got another email on XX/XX/XXXX claiming I needed to send my first months rent of {$1500.00} to an email XXXX When I told them no because I had not met in person or seen the unit they tried to reassure me and gave me a phone number for XXXX XXXX I was scammed for my money through XXXX and I was told my dispute was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: ND

Complaint narrative:
There is a collections report on my credit for a XXXX that was open back in XX/XX/XXXX of XXXX. I for one was not in the country at the time and second. I didnt need this because I already have a phone through XXXX that I open back in XXXX and I called XXXX and I asked him to see if they could find the account for XXXX that says that I owe them and they said there was nothing there, the only account that I have is the one that I currently have on me I can give you my account number for the XXXX that I have and its good standings. The other one that says I owe them {$1000.00}. Im not sure where that came from Im assuming somebody got a hold of my Social Security number and opened it and just never paid it off or something, but I saw it on my credit report as in collections and I need removed because thats not fair to me because that is not something that I opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I am submitting this formal complaint regarding three student loan accounts with DEPTEDXXXX that are incorrectly reporting a 90-day late payment for XX/XX/XXXX. Despite sending seven dispute letters over the past seven months, there has been no resolution, nor has any verification method been provided. The accounts in question are as follows : Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Number:XXXX Date Opened : XX/XX/XXXXXXXX  There are no prior late payments on these accounts, making the 90-day late report inaccurate and in violation of the FCRA. This error has caused me considerable hardship, and I am prepared to seek litigation if it is not corrected immediately. Please find attached my notarized affidavit and original dispute letter with date and time stamps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and found multiple inquiries from your company that I dont recognize or remember authorizing. This is really stressing me out because its hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: NY

Complaint narrative:
I am writing to formally submit a complaint against KicKOff for the following reasons 1.inaccurate reporting KikOff has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that Kikoff may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, KikOff charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. KikOfd is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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