vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Late payments were negotiated to be removed from report, bank cant remove them from their system. They told me to dispute it directly with credit bureaus & refer to the phone conversation had on XX/XX/year> at XXXX PDT. The negative remarks were agreed upon both parties to be removed. I need them removed for an auto 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 2025-01-09 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: CA

Complaint narrative:
Late payments were negotiated to be removed from report, bank cant remove them from their system. They told me to dispute it directly with credit bureaus & refer to the phone conversation had on XX/XX/year> at XXXX PDT. The negative remarks were agreed upon both parties to be removed. I need them removed for an auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
Late payments were negotiated to be removed from report, bank cant remove them from their system. They told me to dispute it directly with credit bureaus & refer to the phone conversation had on XX/XX/year> at XXXX PDT. The negative remarks were agreed upon both parties to be removed. I need them removed for an auto 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 2025-01-09 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 explanation
Consumer complaint received 2025-01-09 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 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 2025-01-09 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: GA

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: WI

Complaint narrative:
I can not get in touch with Experian about my credit report not being updated to reflect the {$0.00} balance on my XXXXXXXX XXXX XXXXXXXX XXXX XXXX card account that was paid down and the statement cut on XX/XX/year>. It has been a week with no update at all. I want this to update. Below I attached a screenshot of the incorrect balance and the most recent XXXX XXXX statement. 

Also their phone system does not allow me to get in touch with a live representative. The only way to speak to someone is to call their business product support line but they cant help with personal al credit report issues. Today I waited over 20 mins on hold and 10 mins after it connected with somebody they said they would transfer me so 10 mins after that, the call auto disconnected. 

This is horrible customer service handling and this REALLY needs to be changed! I dont understand why so many creditors use Experian when a consumer can not even get in touch with their support. I also dont know why my balance has not updated in a week but that is unacceptable too, honestly.

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 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX has said that I owe them over {$13000.00}, which is untrue. Even the time they say I lived there is not true. I live in a complex now with no problems I suspect a family member has done this because money has been stolen from me, unauthorized charges to my bank account the list goes on. I need this off me ASAP I am trying to get a home and this is holding me up and very unfair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Experian Description of the Issue : On XX/XX/XXXX, I submitted a formal dispute letter to Experian requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request. However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA. 
Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed. 
2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts. 
3. Block the fraudulent account within four business days of receiving my identity theft report. 
Information Related to the Dispute : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 
How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress. 
What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Experian : 1. Immediately removes the fraudulent account from my credit report. 
2. Provides a detailed description of the procedures used to investigate my dispute. 
3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report. 
4. Ensures their practices adhere to federal laws to protect consumer rights. 
Attached Documentation : I am including copies of the following documents to support my complaint : _Identity theft report. 
_Additional evidence related to the disputed accounts. 
_Identity affidavit. 

I hope the CFPB will investigate this matter and take the necessary actions to ensure that Experian complies with federal laws. I am available to provide any additional information required. 
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 2025-01-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 an account without written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is submitted regarding Equifaxs unlawful reinsertion of a previously deleted accountXXXX XXXX  XXXXonto my credit report without providing the required notification under the Fair Credit Reporting Act ( FCRA ). This reinsertion occurred between XX/XX/XXXX, and XX/XX/XXXX, as evidenced by communications I received from Equifax. 

Summary of Events 1. Account Removal Notification : On XX/XX/XXXX, Equifax sent a notification stating that the XXXXXXXX XXXX XXXX account had been removed from my credit report. 
2. Account Reinsertion Notification : On the same date, XX/XX/XXXX, Equifax sent another notification stating that the XXXXXXXX XXXX XXXX account had been added to my credit report, listing it as opened on XX/XX/XXXX. 

This sequence of events indicates that Equifax unlawfully reinserted the XXXXXXXX XXXX XXXX account onto my credit file after it was previously removed. 

FCRA Violations Equifaxs actions violate multiple provisions of the FCRA, including : 1. 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) - Reinsertion of Previously Deleted Information : Under this provision, if a credit reporting agency reinserts previously deleted information into a consumers file, it must : Notify the consumer in writing of the reinsertion within five ( 5 ) business days. 
Include the name, address, and phone number of the furnisher of the information. 
Equifax failed to provide me with written notice of the reinsertion, including the required details of the furnisher. 
2. 15 U.S. Code 1681e ( b ) - Failure to Maintain Accuracy : Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on a consumers credit file. 
By re-reporting the XXXX XXXX XXXX account without verifying its accuracy or providing proper notification, Equifax has failed to meet this standard. 
3. 15 U.S. Code 1681i ( a ) ( 6 ) - Duty to Provide Dispute Results : Equifax did not provide sufficient documentation or explanation as to why the account was reinserted after being previously removed. 

Consumer Harm This unlawful reinsertion has caused significant harm, including but not limited to : Credit Score Impact : The reinsertion of this account negatively affected my credit score by creating confusion regarding the status and reporting history of the account. 
Emotional Distress : The lack of transparency and failure to comply with legal requirements has caused undue stress and anxiety. 
Potential Denial of Credit : The inaccurate and improperly reinserted account information may lead to denials of credit or higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NM

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I request to cancel and release my {$5000.00} secured personal credit card and {$3000.00} secured business credit card on XXXX XXXX. I confirmed when can my {$5000.00} released to my checking account. Their credit staff replied that it took 14 working days. I said that's ridiculous and unreasonable.BOA took my {$5000.00} and {$3000.00} when I applied secured credit card, but when I request to cancel card, it should be the same way, that's one day, instead of 14 working days without any interest. That's totally unfair, to bully consumers very seriously!! 

Then on XX/XX/XXXX and XXXX, I called BOA to push early release of my % XXXX funds again. They are even more arrogant and rude.They just repeat that it's process, but I emphasized that's not fair process and ask them to reflect my opinions. They just repeat their rule without respecting our consumer 's right & feeling. It's a insult, it's a financial bully.Then they made sure funds will be released on XXXX. 

Then on today XXXX funds still not back to my checking XXXX called BOFA again, and they replied the credit card cancellation request not submitted by their staff.They can cancel today and I need to wait another 14 working days.This really drove me crazy.So arrogant, no apology, and just repeat their rule, telling me that's what they can do!! What a ridiculous and arrogant attitude!! 

So I decide to raise administrative complaint and legal lawsuit simulataneously.

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 monetary relief
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request a description of the procedure used to determine the accuracy and completeness of specific information on my credit report. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ). 

This document was mail for Equifax. See attachment

Company response to consumer: Closed with non-monetary relief