vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Account shows XXXX late payments that states I was XXXX late on making payments on XX/XX/XXXX and XX/XX/XXXX this is not true by law I am promised accuracy in my credit report pursuant 15 usc 1681i concerning my dispute with Indigo regarding the inaccurate late payment reporting on my credit report. I believe that the information reported by XXXX is incorrect, and I am seeking further investigation and correction based on the following facts : XXXX. Proof of Payment : I provided statements showing that I paid the bill in question, and I made an additional payment in XX/XX/XXXX. Specifically, on XX/XX/XXXX, I made a payment that was less than 30 days late. Under federal law, creditors XXXX only report late payments if they are 30 days past due. XXXX improperly reported this payment, which was not yet 30 days late, as delinquent. 


XXXX. Failure to Provide Required Statements : XXXX has claimed that I had knowledge of a payment due in XX/XX/XXXX. However, I never received the required statement. Under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, creditors are required to provide billing statements at least 21 days before the payment due date. In this case, I did not receive such a statement, as it was sent to an address where I was no longer residing due to an eviction ( see Exhibit 1 ). As a result, I was not properly notified of the payment due, which is a clear violation of my rights under the CARD Act.

3. CARES Act Violation : All of the falsely reported late payments occurred during the COVID-19 national pandemic. Under the CARES Act, specifically 15 USC 1681s-2 ( a ) ( 1 ) ( F ), if a consumer brings a credit obligation or account current during the period described, the creditor must report the account as current. XXXX failed to follow this legal requirement and continued to report these payments as late, even after I brought my account up to date.

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 2024-12-06 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: NJ

Complaint narrative:
In XX/XX/year>, XXXX XXXX responded to the complaints that I submitted in XX/XX/year> via the Consumer Protection Financial Bureau. Please reference case numbers XXXX and XXXX for evidence. In their response, XXXX XXXX stated that a XXXX  XXXX trade line and XXXX XXXX XXXX XXXX XXXX line were deleted and no longer reported in my credit report. As of XX/XX/year> the trade lines are still reported in my report fraudulently and I AM demanding that theyre removed. On the other hand, Equifax has not complied with credit reporting and consumer law by reviewing the evidence Ive provided and deleting both trade lines from my credit report based on the improper and fraudulent use of my credit report. Reporting the trade lines are a violation of the FCRA. Under section 1681s-2B of FCRA 15 USC 1681 et seq, the credit reporting agencies and the companies that provide those agencies information must adhere to law that disputed information that is not verified has to cease and be removed. I setttled a debt via 1099-c. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself, XXXX XXXX and XXXX XXXX XXXX XXXX is being reported inaccurately with deliberate misrepresentations which is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
After reviewing my Equifax credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/year>. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like Credit Acceptance are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( CFPA ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Equifax report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
After reviewing my Equifax credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/year>. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like XXXX XXXX are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( CFPA ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Equifax report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
After reviewing my Equifax credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/year>. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like XXXX XXXX are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( XXXX ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Equifax report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a complaint regarding inaccurate information reported by XXXX XXXX XXXX on my credit report. Upon reviewing my credit report, I noticed that this account shows a late payment that is incorrect. Specifically : 1. The account reflects a late payment on XX/XX/XXXX XXXX. This account was, in fact, paid on time and has been fully paid off and closed. 
Attached bank statement shows that I paid on XX/XX/XXXX The consumer reporting agencies are obligated to report all information with complete accuracy. The reporting of this account as late is misleading, harmful to my credit profile, and in violation of the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report, dated XX/XX/XXXX, highlighting the inaccurate information for your review. 

I respectfully request that you investigate this matter and work with XXXX XXXX XXXX and the relevant credit bureaus to ensure the payments are correctly updated as paid on time.

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 2024-12-06 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:
When I checked my credit report today, I was shocked to see some inaccurate accounts listed there. I have no idea how this happened, as my report has always been accurate during my regular checks. Hoping it was just a mistake, I refreshed the browser several times, but the discrepancies didnt go away. Its incredibly frustrating and unsettling, and Im begging you to carefully review the documents I sent to resolve this and put my mind at ease.

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 2024-12-06 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: ID

Complaint narrative:
During the months of XXXX and XXXX, 2024 I was shopping for a new vehicle. I contacted XXXX on their website and looked at about XXXX vehicles. XXXX advertises that they will make a 'soft check ' and they will tell you if they can finance you. On XX/XX/year> I purchased a used XXXX XXXX with financing through XXXX. I found out this month that I have XXXX ( XXXX ) inquiries on my credit report from XXXX XXXX. XXXX sells cars for many private dealers and they were provided my information by XXXX. These independent XXXX XXXX ( 3 ) were provided my credit information which they then pulled my credit report resulting in ( 4 ) unauthorized inquiries. On XX/XX/XXXX I paid off the balance of the XXXX car loan purchase in cash, Yet my XXXX credit score by now shows all these inquiries and has been the basis of a recent denial of revolving credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no clue how they got there. I review my credit report regularly, and nothing like this has ever happened before. I tried refreshing the page multiple times, hoping it was just an error, but nothing changed. I need the documents Ive provided to be thoroughly reviewed so I can finally feel reassured about my credit.

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 2024-12-06 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: NY

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

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 2024-12-06 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX- {$2800.00}. Someone had used my information to apply for an apartment I believe a CPN. I went up there personally to resolve it but it is a major language barrier. 
XXXX XXXX ( insure of amount ) this is also a fraudulent account I did not give them permission to take a loan out. 
XXXX XXXX XXXX- {$720.00} fraudulent account not given my permission. Company has not followed up with any requested account information. 
National Credit Adjusters- Fraudulent account not given my permission. Company has not followed up with any requested for validation of account details. 
XXXX Department of education XXXX Balance was paid off in XXXX by me and my dad I need this take off my credit report. 
XXXX XXXX ( Unsure of amount ) could not get in contact cant not get verification of account details XXXX XXXX XXXX XXXX unsure of amount ) fraudulent account cant get status or verification of account details XXXX XXXX  {$240.00} this account was used with a CPN as well when someone used my information to apply for an apartment. I asked them to verify and have yet to see anything removed I had a credit analysis done and didnt realize this is why I been having a hard time moving out of my dads house. I need some help getting this removed as I need to move out soon. I did lose my social, id on the bus 3 years ago and a lot of random stuff is reflecting on my credit that needs to be removed.

Company response to consumer: Closed with explanation