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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX : To Whom It May Concern, I am writing to formally dispute the reporting of an account from XXXX XXXX XXXX on my credit reports with Equifax, XXXX, and XXXX. Upon reviewing my credit reports, I discovered that the same account is being reported inconsistently across the XXXX bureaus, with major discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

Account Overview : Account Name : XXXX XXXX XXXX ( Revolving Account ) Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Responsibility : Individual Account Credit Limit : {$500.00} ( Equifax XXXX XXXX ), {$250.00} ( XXXX ) Discrepancies Between Credit Bureaus : XXXX : Payment Status : Account paid satisfactorily with no late payments reported. 
Closed Date : XX/XX/XXXX. 
XXXX XXXX : {$290.00}. 
Account Details : No derogatory events reported. 
Equifax and XXXX : Late Payment Reporting After Account Closure : Equifax reports the following late payments : XXXX days late in XX/XX/XXXX XXXX days late inXX/XX/XXXX XXXX  days late in XX/XX/XXXX XXXX reports a XXXX late payment in XX/XX/XXXX. 
These late payments are erroneous because they occurred after the account was closed in XX/XX/XXXX, which is confirmed by XXXX. No closed account should have late payments, and this is a violation of FCRA accuracy requirements. 
Incorrect Last Activity Reporting : XXXX reports the last activity as XX/XX/XXXX, more than a year after the account was closed, which is also inaccurate. 
Requested Resolution : I request the following actions be taken : Immediate removal of all derogatory marks associated with this account from my credit reports with Equifax and XXXX, as these late payment reports are false. 
Correction of the late payment history on Equifax and XXXX to reflect the accurate reporting provided by XXXX, which shows no delinquencies and that the account was paid satisfactorily. 
Verification of the accounts details across all bureaus to ensure consistency, particularly with the accounts closure date, payment status, and last activity. 
This dispute is being submitted in accordance with the FCRA, and I expect these issues to be resolved within the XXXX investigation period mandated by law. If these errors are not corrected or verified, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies. 

I have enclosed copies of my credit reports from Equifax, XXXX, and XXXX, highlighting the discrepancies. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation once the corrections have been made.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This morning, I was really upset to see unauthorized inquiries on my credit report, and I dont understand why theyre there. I check my report regularly, and this time, I found discrepancies out of the blue. I even tried refreshing my browser to make sure it wasnt a glitch, but the inquiries were still there. Im frustrated and asking for the documents Ive provided to be thoroughly reviewed so that I can put this issue behind me for good.

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: EQUIFAX, 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 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: FL

Complaint narrative:
Im not affiliated with the creditors mentioned, and these inquiries were not authorized by me.

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 — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: WY

Complaint narrative:
I reported this inaccurate inconsistent incomplete account to both credit bureaus XXXX and XXXX  for identity theft and they are still reporting this account.navy federal credit union acount # XXXX charged off balance of {$510.00} opened XX/XX/XXXX and XXXX is reporting navy federal credit union acount # XXXX {$510.00} open date XXXX recieved an alert from. XXXX the account was reaged to open date of XXXX balance changed to {$500.00} I reached out to navy federal credit union and spoke to XXXX  on XX/XX/XXXX to ask them to please stop reporting this inaccurate inconsistent incomplete account to the credit bureaus and she hung up on me saying that this account wasn't the result of idenity theft and hung up on me.i filed a report with ftc in regards to me not knowing about this account and am attaching the report as proof.please stop violating my federally protected rights under 15u.s.c1681.delete account immediately.also I emailed the president this morning to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I reported this inaccurate inconsistent incomplete account to both credit bureaus XXXX and experian for identity theft and they are still reporting this accountXXXX XXXX XXXX XXXX  acount # XXXX charged off balance of {$510.00} opened XX/XX/XXXX and XXXX is reporting XXXX XXXX XXXX XXXX acount # XXXX {$510.00} open date XXXX recieved an alert from. Experian the account was reaged to open date of XXXX balance changed to {$500.00} I reached out to XXXX XXXX XXXX XXXX and spoke to XXXX  on XX/XX/XXXX to ask them to please stop reporting this inaccurate inconsistent incomplete account to the credit bureaus and she hung up on me saying that this account wasn't the result of idenity theft and hung up on me.i filed a report with ftc in regards to me not knowing about this account and am attaching the report as proof.please stop violating my federally protected rights under 15u.s.c1681.delete account immediately.also I emailed the president this morning to help me.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Tonight, I discovered incorrect accounts on my credit report, and Im baffled as to why. I review my report regularly, but this time, there were random discrepancies. I tried refreshing my browser in case it was a technical error, but nothing changed. Now, Im asking that the documents I provided be carefully examined to ensure I never have to deal with this XXXX again.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
Sometime this year between XXXX and XXXX Equifax changed my two oldest credit card accounts to a closed status and reported that they were included and XXXX in XXXX back in XXXX. The accounts in question are my XXXX XXXX and my TD Bank XXXX. They then deleted all recent account history and payment history as well as current credit limits for these accounts dating back to XXXX. 

I submitted a dispute online in XX/XX/XXXX and the dispute later came back as closed, but did not update the account status for each of these accounts back to open status nor did they update reporting any of my recent account or payment activity. I then contacted Equifax and spoke with a representative who advised these accounts have in fact been closed since XXXX and no reporting has been done on these accounts to Equifax since XXXX. 

I explained that i can pull my Equifax reports from XXXX and backwards and see both accounts still reporting correctly with account and payment history showing correctly and I was advised that wasn't true the accounts are closed and no history has been reported to Equifax since XXXX. I advised that this was not the case as i clearly explained in both my dispute and to the agent before being transferred. 

I was then transferred to their Bankruptcy department where i spoke with a second representative. She advised that a re-investigation was in process and should be completed by XX/XX/XXXX. I asked her to please document that both of these institutions have advised that these accounts have never been closed and are in fact still open and in good standing and active as reported on my other reports correctly ; and that they are in fact reporting the correct information to Equifax each month and she advised she would. 

These issues still remain unresolved with comments still showing a re-investigation is in process despite the dispute remaining closed and all recent account activity and payment history not showing on my Equifax report correctly. These accounts are still open and in good standing but Equifax does not show this on my recent credit reports with them.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made numerous attempts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has caused me considerable emotional and financial strain. As an identity theft victim, I may need to pursue legal action if this matter is not adequately resolved. These fraudulent entries on my consumer report have negatively impacted my ability to purchase a home and provide for my family, significantly affecting my financial stability. I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After a detailed review of my latest credit report, I've found several fraudulent accounts that I believe were added without my consent.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. 
Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2024 i notified the legal department of XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to address my concern about a company improperly using your credit report by buying a debt and sharing your information with a different agency, i want to focus on two main laws : the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 16 81 section 6028 states I have the right to privacy 15 USC 16 81 section 6048 section 2 it also states of consumer reporting agency can not furnishing account without my written instruction.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crime, which antedate the report by more than seven years.

15 USC 16 81 section 281 a person shall not furnish any information relating to a consumer to any Consumer reporting agency, if the person knows or has XXXX to believe the information is inaccurate. 

XXXX. Fair Credit Reporting Act ( FCRA ) : - Argue that the company may have violated the FCRA if they accessed your credit report without a permissible purpose.

- Emphasize that debt buying alone doesn't automatically grant permission to access credit reports. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) : - Point out that sharing your personal information with another agency might violate the FDCPA 's restrictions on third-party communications about your debt. 

XXXX. Consent and notification : - Highlight that I weren't properly notified about the transfer of your debt or the sharing of your information. 

XXXX. Data privacy laws : - Depending on your state, there may be additional data privacy laws that protect your personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I need to know about why wasnt the {$1000.00} unauthorized withdrawal refunded back to me that happened while I was incarcerated I showed prove of that smh and this bank keeps ignoring that part as well. I deserve some type of reimbursement Talk to XXXX XXXX at the XXXX location please # XXXX XXXX XXXX XXXX was the investigator I should be reimbursed that {$1000.00} I had nothing to do with these transactions I didnt approve any of it this is not right Look into XX/XX/year> transactions from someone named XXXX XXXX ( {$1000.00} ) I need to be refunded that money

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/2024 i notified the legal department of XXXX XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.

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