vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: DE

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. 

( 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-12-14 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX XXXX XXXX Amount : {$3500.00}

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 non-monetary relief
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Hard inquiries XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of multiple unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, resulting in these unauthorized accounts being added to my credit report. Following Equifax 's guidance, I promptly filed an FTC Identity Theft Report and submitted it, along with all necessary documentation, to resolve the matter. Despite these efforts, these fraudulent accounts remain on my report, causing undue stress and harm to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: CO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-13 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: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : * Account Name : XXXX XXXX * Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
XXXX. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within XXXX  days and delete unverifiable or inaccurate information. 
XXXX. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA 605 ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.

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 2024-12-13 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-13 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: CT

Complaint narrative:
Ive been trying to resolve an issue on my credit report regarding accounts that are in pending litigation and inaccurately reported. Ive reached out multiple times, and its incredibly frustrating that nothing has been done to address this. These inaccuracies are negatively affecting my credit score and creating unnecessary stress.

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 2024-12-13 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-12-14 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: MD

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a few items on the report that are inaccurate. The accounts in question are listed below WebBank/fingerhut First Premier XXXX XXXX XXXX Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
While checking my report I noticed that there was an account that was active on my report that did not belong to me. I tried to contact the company who stated that they will investigate this matter. I believe that my identity has been compromised and impacted in a data breach, and I would like for this to be corrected and for my information to be protected. 


XXXX XXXX date opened XX/XX/2024 balance of {$1100.00} This is NOT mines, this a fraudulent account and according to the FTC, it is my right to fair and correct reporting and my identity should be protected.

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 2024-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a Costco customer with City Visa card Which I used to purchase XXXX  bars of gold bars which Costco offered to executive card holds and I placed an order for XXXX bars but Citibank declined to pay as my credit limit is only XXXX. So I requested them to increase my credit limit to XXXX which they declined and I was told to wait 6 months. In the meantime the lady who was helping me at Costco suggested to use another card and she agreed to accept my XXXX card, All on a sudden the price of gold dropped and my request to adjust the price was declined by Costco. The reason I am writing this complaint is why Citibank declined to increase my credit when I have an excellent credit with no debt and an asset valuing over XXXX XXXX. The person I talked to is XXXX at Citibank who declined to give his last name and I lost a lot of time and an opportunity to invest in gold. I want you to take appropriate action so that another well respected person does not have to go through similar fate. Thank you and have nice holidays. 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 2024-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a debt on my credit report from a third party ( Truist Bank ). It is showing up on my credit report as the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXXShows no info regarding the times when the payments were made on time from XX/XX/XXXX to XX/XX/XXXX It has been reporting like this for about a year but I never received a XXXX. In my research I found that if Truist bought the loan from the original creditor and the original creditor wrote it off then they can not collect on the same debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-13 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:
Experian refuses to investigate this matter. Theyve had a previous complaint well over 30 days now. 

Experian is saying information came back and stated information verified was inaccurate when in FACT THE INFORMATION IS NOT ACCURATE ( SEE ATTACHMENTS AS PROOF ). THE DEBT COLLECTION COMPANY IS COMMITTING FRAUD AND INFORMATION SHOWING ON MY CREDIT REPORT IS NOT ACCURATE BASED ON INFORMATION SHOWING WITH STATE OF FLORIDA OFFICE OF REGULATION. ( SEE ATTACHMENTS AS PROOF ) Collection Agency XXXX XXXX XXXX XXXX  is committing FRAUD AND ILLEGAL ACTIVITIES in the State of Florida  AND Experian are reporting inaccurate and incomplete information which is FCRA violation and State of Florida  Statue Violation. 
Experian and the collection agency XXXX XXXX XXXX XXXX are both in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 The collection agency XXXX XXXX XXXX XXXX is in violation of ; State of Florida  Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation State of Florida Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation Penalties for violations.Any person violating any provision of this part shall be guilty of a misdemeanor of the first degree, punishable as provided in s. 775.083, and the circuit court shall have jurisdiction in equity on the complaint of any interested person to restrain and enjoin the violation of any of said provisions.

Im currently a resident of the State of Florida. Experian credit report is showing that Experian stated they verified this debt with XXXX XXXX XXXX XXXX and their address reporting on my Experian Credit Report is XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX The State of Florida  states all collection companies trying to collect a debt from State of Florida residents must be licensed with State of Florida Department of Regulation . When reviewing the companys registration with The State of Florida Office of Regulation it clearly shows a different address ; therefore, the company reported on my credit report is fraudulent. ( See Attachment For Copy of License From State of Florida Office of Regulation ). Address showing on State of Florida Office of Regulation is as follows ; Business Main Address and Business Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX MD 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 2024-12-13 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:
Statement of Facts Regarding Unauthorized Inquiry from XXXX I am writing to formally dispute an unauthorized inquiry listed on my credit report. 
The inquiry is dated XX/XX/2024, from XXXX. I do not recognize this inquiry, nor did I authorize any transaction or credit request involving XXXX  on the aforementioned date. This inquiry is fraudulent, and I am requesting that it be immediately removed from my credit report. 
Statement of Facts : Unauthorized Inquiry : On reviewing my recent credit report, I found an inquiry from XXXX listed under " Inquiries '' dated XX/XX/2024. I did not initiate any contact with this company nor give consent for them to pull my credit report. 
No Prior Relationship : I have never applied for credit, services, or initiated any business with XXXX I am certain that I did not authorize any credit check or inquiry with them. 
Fraudulent Activity : This inquiry is unauthorized, and I believe it is the result of fraud. Someone may have impersonated me or used my information without my consent to access my credit report. 
Request for Immediate Action : I request that TransUnion immediately : Remove the unauthorized inquiry from my credit report.

Conduct a full investigation into this matter to determine how the inquiry was made without my authorization. 
Provide me with written confirmation that the fraudulent inquiry has been removed and that my credit report has been corrected.

Please treat this matter with urgency, as unauthorized inquiries can have a negative impact on my credit score and may be indicative of identity theft. 


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