vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$550.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$320.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXXXXXX Balance Owed : {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: NC

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Please remove these fraudulent inquires from my credit report. I also attached my identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-09-17 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: IL

Complaint narrative:
Dear EQUIFAX I submitted a complaint on XX/XX/year> with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 

ORIGINAL XXXX REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/year> Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NV

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
This is a violation of the Fair Debt Collection Practices Act ( FDPCA ). 1. Received no communications from LVNV Funding LLC at anytime. No Phone, No mail notification. 2. Never verified this debt with me before reporting to the credit bureaus. 3. Didnt provide me with an oppurtunity to dispute this debt before reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: FL

Complaint narrative:
My account with XXXX 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 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 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 explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I currently owe XXXX to navient for XXXX XXXX XXXX. They closed my campus in XXXX Az even after I graduated and I can not transfer any credits I earned from my diploma and now its just a XXXX waste of my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have no knowledge of these accounts. My identity was stolen.

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 2024-09-17 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:
I was shocked this morning to find incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, there were unexplained discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Im extremely frustrated and need the documents Ive sent to be thoroughly reviewed so I can stop worrying about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
What I want is copys of the most current payments taken from my XXXXXXXX XXXX XXXX XXXX. 
I am not going to say anything else as I asked for these in last complaint you never sent them.

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 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Contacted the company, they gave me an address that isn't mine and said I owed, I wrote a certified letter stating the same, yet it is still on my credit report and I do not have a contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER BANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.

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 2024-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is false information that this account is being handled by XXXX for my OTHER ACCOUNTS. 
MIDLAND IS NOT PART OF THAT PROGRAM...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed for credit with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. when they attempt to check my credit, it is blocked by the credit bureau. it is not a lock, block, or freeze that I put on. In other words, the three ( 3 ) credit bureaus XXXX Equifax and XXXX have my credit blocked from creditors to obtain a credit pull. They won't allow them to see it, they won't allow them to get it. So, no creditor can get my score for a loan, or whatever. It is not blocked for me, I can log in with a username and password, and I can view my credit report online. However, creditors can not access the report. In Addition, all three credit bureaus have mailed me a copy of my credit report. I contacted all three credit bureaus, and I was told that I needed to send a back and front copy of my driver 's license and social security card for them to know who I was. This did not start until sometime between sometime on XX/XX/XXXX through XX/XX/XXXX of XXXX when I paid off a car loan to XXXX XXXX XXXX XXXX XX/XX/2023. Before, paid off my car, no creditors had any issues accessing my credit file with the three credit bureaus. there was no lock on it from the three credit bureaus. This complaint is one for XXXX XXXX for Equifax and XXXX for XXXX. All three are the same thing. In Addition. They are asking me to send a copy of my driver 's license and social card back and front. my identity was stolen years ago, and they took me through pure XXXX, and it took years to get it corrected. My information is correct, I don't understand if you don't know who I am why would you mail me a copy of my report. This is a scam the three credit bureaus are doing to me Because I have paid off my credit and my score went up high. My score last time I checked was XXXX when my score should be higher. I know it is the credit bureaus to keep my information safe, but not at my expense. I do not have a home. I need creditors to be able to access my file. I'm not sure who they think they are. whoever monitors them needs to do their job. I will never send a copy of my identity documents, again my identity has been stolen and they took me through XXXX. I want CFPB to contact all the credit bureaus and tell them to undo whatever they did. ASAP. The lady at the bank sent me an email saying, " Here 's the message on Equifax and XXXX. " Information from your inquiry has been identified as potentially fraudulent or misused, therefore, the credit report is not available for delivery>>> with information from additional data sources returned ( J ). '' From XXXX, " Requested information can not be scored or returned because data is suppressed or can not be evaluated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-17 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: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-17 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: IL

Complaint narrative:
Dear EQUIFAX I submitted a complaint on XX/XX/year> with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 

ORIGINAL XXXX REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/year> Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
Dear EQUIFAX I submitted a complaint on XX/XX/2024 with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 

ORIGINAL XXXX REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/2024 Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation