vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: CA

Complaint narrative:
Well I've been trying to improve my credit which has been going well until I paid for XXXX account and I notice on my XXXX XXXX Equifax credit report, on inquiries I have a total of 4 inquiries that are not me, was not me, not authorized by me & I didn't apply for anything nor have I ever visited them locations in the United Statee of America where these businesses are located. I believe i am a victim of some form of fraud. It may not be full fraud but I believe a piece of my information is being leaked and used. 


The companies who allowed someone to use my private information are as follow : XXXX Inquiry date XX/XX/year> Ran two inquires on my Equifax report XXXX 
Method : I tried contact the business but couldn't find contact information. ( Mail only ). 

-- - XXXX XXXX XXXX date XX/XX/year> Ran a Inquiry on my XXXX credit file. 
Method : I called the company to investigate but couldn't get through when I dialed the number. 

-- - XXXX Inquiry date XX/XX/year> Ran Inquiry on my XXXX credit file. 
Method : I attempted to call the company to investigate but couldn't get through when I dialed the number. 

> It's been two week since I've been trying to clear this matter up so that I could move forward with life. Any assistance is appreciated. Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: MN

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 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 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The XXXX XXXX XXXX is attempting to request a collection debt of {$2400.00} I do not owe this debt. I have only received a ledger from them with random charges I have no recollection about. When I contacted the rental property asking for more details and documentation they stated to me that I was no longer in the system and they don't have any documentation and to contact the Creditors for more information. XXXX XXXX XXXX XXXX is saying that they have to contact the rental property for the details of the ledger but the rental property has already confirmed to me that they do NOT have the documentation to provide. My move out date on the ledger from the national credit systems states that my move out date was XX/XX/year> but I found an email stating that my lease was from 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 2024-09-11 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: IL

Complaint narrative:
I have no ties to these inquiries or the listed creditors.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, As a consumer, I am deeply concerned and disappointed to learn of potential inaccuracies in the information provided by your agency. I urgently request detailed information regarding the steps taken to verify the accuracy of these items, as mandated by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. It is my right as a consumer to be informed of the procedure used to ensure the precision and completeness of the data in question. I expect to receive a thorough explanation, including the business name and address of any information furnisher consulted and a contact number for said furnisher, if available. This information must be provided within 15 days of my request, as stipulated by law. Thank you for your prompt attention to this matter. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - 1986 Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX, XXXX, FL XXXX Employer - XXXX Incorrect Current Address : - XXXX XXXX AV, XXXX XXXX, FL 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - 1986 Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX, XXXX, FL XXXX Employer - XXXX Incorrect Current Address : - XXXX XXXX AV, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: 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 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 2024-09-11 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:
Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX The XXXX account is closed and charged off XX/XX/XXXX. However, as of XXXX XXXX, XXXX and XXXX XXXX reporting the charge off every month, which should not be done. A closed and charged-off account can only be charged off once and should not have a balance which this account does. I have tried to correct this with XXXX and XXXX with no resolve.

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 2024-09-11 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: TX

Complaint narrative:
Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX The XXXX account is closed and charged off XX/XX/XXXX. However, as of XXXX XXXX, XXXX and XXXX keep reporting the charge off every month, which should not be done. A closed and charged-off account can only be charged off once and should not have a balance which this account does. I have tried to correct this with XXXX and XXXX with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
The National Credit Systems is attempting to request a collection debt of {$2400.00} I do not owe this debt. I have only received a ledger from them with random charges I have no recollection about. When I contacted the rental property asking for more details and documentation they stated to me that I was no longer in the system and they don't have any documentation and to contact the Creditors for more information. The National Credit system is saying that they have to contact the rental property for the details of the ledger but the rental property has already confirmed to me that they do NOT have the documentation to provide. My move out date on the ledger from the national credit systems states that my move out date was XX/XX/year> but I found an email stating that my lease was from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
TRANSACTION IS BANK OF AMERICA TO BANK OF AMERICA XXXX FROM CLIENT WAS DEPOSITED ON XX/XX/XXXX FUNDS WERE DEDUCTED FROM CLIENTS ACCOUNT - in the meantime ... our account showed the check on a pending hold... on XX/XX/XXXX funds showed deposited XX/XX/XXXX again they were put on hold customer service and bank officers at XXXX XXXX XXXX do not have an explanation as to why the funds were reversed and the funds are on hold for another XXXX to XXXX hours. Bank of America is showing funds are paid from my clients account. 
this is NEGLIGENT AND AND STOPS THE FLOW OF BUSINESS WITH MY CLIENTS AND VENDORS TO BE PAID WE ARE OVER THE AGE OF XXXX AND ALSO STOPS OUR DAY TO DAY INCOME. 
BANK OF AMERICA IS VERY FAST IN CHARGING MISERABLE XXXX A MONTH WE HAVE XXXX BANK ACCOUNTS WITH BOA XXXX OF THEM BUSINESS. ENOUGH IS ENOUGH I STILL DO NOT HAVE AN EXPLANATION XXXX OF MY XXXX TRANSACTIONS WERE ALSO PUT ON HOLD FOR XXXX DAYS EACH ONE FOR XXXX AND ANOTHER ONE FOR 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 monetary relief
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation.

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard.

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges.

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred.

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.

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 2024-09-11 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: TX

Complaint narrative:
I am filing this complaint regarding my personal credit record. After examining my credit report, I noticed inaccurate late payment entries. I sent correspondence to address this issue more than 30 days ago, but have not received any response or adequate validation of these entries. I am seeking your assistance to rectify this situation.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation