vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: KY

Complaint narrative:
I had took and got this man named XXXX XXXX to fix my car and I had paid him cash and I had opened up my phone in front of him which uses my PIN number and to give my sister a number out of there to for her somebody to call in the family but she didn't have her under their number so I had to give it to him and he had saw the four-digit code that I had on my phone and to get into cash app it's the same and he took and transferred him some money to the account and I asked him why did he do that he didn't answer nor did he respond and I went to cash app and they tried to say that I did it and I didn't. People steal money off of cash app all the time and they are not acting as a bank. I don't know what's wrong with these people but they never want to resolve your issue which is unsettling

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: WI

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: WI

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX | XX/XX/year>. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
As I perused my report from the year XX/XX/XXXX, a disquieting realization dawned upon me : certain aspects remained woefully incomplete and alarmingly inaccurate. In accordance with the stipulations set forth by the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to adhere to reasonable procedures, ensuring the utmost accuracy in the information pertaining to the individual in question. 


I sent a letter requesting that they re-investigate the accounts listed below because... 

Accounts XXXX XXXX Not reporting accurately and being incorrect. 
XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX reporting accurately and being incorrect. 

XXXX XXXX XXXX -Not reporting accurately and being incorrect. 
XXXX XXXX XXXX XXXXNot reporting accurately and being incorrect. 
XXXX XXXX -Not reporting accurately and being incorrect. 
XXXX XXXX ( bank ) - Not reporting accurately and being incorrect. 


I have yet to receive a response from them ; enclosed is my tracking number. Might you be so kind as to investigate this matter on my behalf?

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After many attempts to log in to my TransUnion account, all attempts failed. TransUnion website will not acknowledge my password or recognize my SSN. I was directed a TransUnion chat line. : Ii spent over an hour and all the energy I have as a XXXX patient and older person. Transfer me to US continental customer support with All I want to do is change my Transumion password with an English speskimg person.

I'm the US

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Request to Remove Paid Collection from Credit Report **Account Details : ** - **Account Holder Name : ** [ Your Name ] - **Account Number : ** XXXX - **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - **Amount Placed : ** {$170.00} - **Status : ** PAID COLLECTION - **Date Paid : ** XX/XX/year> - **Balance : ** {$0.00} Dear CFPB, I am writing to request the removal of a paid collection item from my credit report. The collection account in question originated from my gym membership with XXXX XXXX XXXX in XXXX. Unfortunately, due to an issue with my payment card at the time, my membership fee was not processed, which led the account to be sent to collections. 

Once I became aware of the issue, I took immediate action to resolve it. I paid the full amount of {$170.00} on [ XX/XX/year> ], and my balance with the gym is now fully settled. I do not owe any money to the gym or to the collections agency. 

I believe this item is unfairly affecting my credit report despite being fully resolved. As a paid collection with no remaining balance, I kindly request that this account be removed from my credit report. Removing this item will allow me to rebuild and establish my credit, which is essential for achieving my financial goals. 

Thank you for your time and assistance. I appreciate your attention to this matter and am happy to provide additional documentation, including payment proof, if needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
The contract I signed with XXXX XXXX XXXX does not include an : Authorization Clause : The agreement usually includes a clause explicitly stating that the lender has the right to share information about your account with credit reporting agencies. 
Fair Credit Reporting Act ( FCRA ) : Under the FCRA, finance companies can report accurate and truthful information about your account to credit bureaus. Signing the agreement implies your consent for this reporting. 
Terms and Conditions : By signing the document, you agree to the lender 's terms, including their right to report your account status ( e.g., payment history, defaults, or balances ). 
Therefore, making the reporting of this account illegal and a federal violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
The contract I signed with XXXX XXXX XXXX does not include an : Authorization Clause : The agreement usually includes a clause explicitly stating that the lender has the right to share information about your account with credit reporting agencies. 
Fair Credit Reporting Act ( FCRA ) : Under the FCRA, finance companies can report accurate and truthful information about your account to credit bureaus. Signing the agreement implies your consent for this reporting. 
Terms and Conditions : By signing the document, you agree to the lender 's terms, including their right to report your account status ( e.g., payment history, defaults, or balances ). 
Therefore, making the reporting of this account illegal and a federal violation.

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 2024-11-20 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/2024, at XXXX XXXX Chrysler XXXX XXXX XXXX XXXX. 

While I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. 

The key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution.

The dealership did not explain the potential negative impact on my credit score caused by these actions.

DENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. 
EXCESSIVE AND UNFAIR PRACTICES : My credit report reflects 7-9 hard inquiries related to this single event, which significantly impacts my credit score. 
As a XXXX  parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities. 
Failure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit. 
GOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage Escrow Over- Charge - Freedom Mortgage Loan : XXXX XXXX TO : FREEDOM MORTGAGE FREEDOM MORTGAGE XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX have taken funds from my Escrow that was not rightfully due for payment of my XXXX XXXX XXXX XXXX 

Some Funds have been returned, but they have refused to return all the Funds Taken! 

ESCROW ACCOUNT OVER CHARGED : {$2800.00} I received a check for XXXX from XXXX Insurance : - {$1400.00} I received a check for XXXX from XXXX XXXX  : - {$960.00} Please Refund, ALL of the Funds Taken Balance Due : ( please refund ) - {$460.00}

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 2024-11-20 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-20 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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:
I am writing to dispute inaccurate information reported on my credit file. The false reporting of this information constitutes libel, as it damages my reputation and creditworthiness. Please investigate and correct these errors immediately to avoid further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
I am writing to dispute inaccurate information reported on my credit file. The false reporting of this information constitutes libel, as it damages my reputation and creditworthiness. Please investigate and correct these errors immediately to avoid further harm.

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 2024-11-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up to my previous formal dispute regarding inaccurate information on my credit report. Despite my initial communication, I have yet to receive any confirmation of a reinvestigation into the disputed items. Furthermore, by continuing to report incorrect and unverifiable information on my credit profile, you are sharing non-public information that infringes upon my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief