vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I never gave anyone permission to access my credit report to put hard inquiries or collections on it.. I never gave anyone permission to run my credit either I need all things mentioned in my identity report to be removed immediately all inquiries and collections from XXXX XXXX Experian

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 2024-12-17 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: CA

Complaint narrative:
I am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are still in litigation. Ive contacted you repeatedly to address this issue, but nothing has been resolved.

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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit 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 non-monetary relief
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit 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 2024-12-17 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: CA

Complaint narrative:
Based on the details from this XXXX XXXX XXXX credit report, the following potential FCRA violations can be identified : 1. Reporting of Future Dates ( FCRA Section 623 ) The Balance Updated date is listed as XX/XX/year>, which is a future date. Credit reporting agencies and furnishers are required to report current and accurate information. Reporting a future date is inherently inaccurate and misleading. 

2. XXXX Accounts Still Reporting as Past Due The account is listed as charged off with a past due amount of {$1300.00}. 
When an account is charged off, it means the creditor has written it off as a loss. While the balance can still be reported, continuing to report the account as past due can be misleading and may violate the requirement for accurate reporting.

3. Inconsistencies in Paid Off and Balance Reporting The report indicates the account is 11 % Paid Off despite a balance of {$1300.00} still being reported. This creates confusion and inconsistency, violating the FCRAs standard for clarity and accuracy.

4. Failure to Clearly Reflect Terms of the Charge-Off The account reflects Terms : 12 Months, but the charge-off does not clearly align with those terms. This can misrepresent the nature of the debt and violate FCRA reporting standards for transparency.

Consumer Rights Violations under the FCRA You have a right to dispute inaccuracies. If the credit reporting agency or the data furnisher fails to verify the information, they are required to correct or delete the inaccurate details within 30 days under Section 611 of the FCRA.

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 2024-12-17 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a XXXX XXXX card in store. I paid the balance in full. I never activated the card. I received a bill and was told the balance was from purchases. I said I never even activated the card and I paid for the one purchase I did make. They then said my payment was late and charged {$100.00} in fees. I asked for proof it was late and proof of how the amount jumped to {$100.00}. I received no proof. I asked them to close the account. They refused and called multiple times a day. I filed a complaint with your agency and although they said they closed the account, they still call me and my credit score dropped from high XXXX to low XXXX over this one derogatory lie! I cant believe this credit card company is allowed to extort money through fraud and I as the consumer am suffering dearly! This is not right. They are literally extorting money from consumers by fraud!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : EQUIFAX : 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 XXXXXXXX, XXXX XXXX XXXX XXXX REMOVE THESE FRAUDULENT INQUIRES IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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 am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below. 
XXXX Accounts : XXXX. XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1300.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am submitting this formal complaint regarding LVNV Funding, LLC, for violating federal consumer protection laws and reporting inaccurate, unverifiable information to the credit reporting agencies. LVNV Funding has listed an account on my credit report that has not been validated as required by law.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681i and FCRA 1681s-2 ( b ), furnishers of information must ensure that all data reported to credit bureaus is accurate and complete. LVNV Funding has failed to provide proper validation of this debt, including original contracts, proof of ownership, and itemized statements. Therefore, reporting this account is unlawful and inaccurate.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request validation of any debt. LVNV Funding has not complied with this obligation, making their actions a direct violation of my consumer rights.

If LVNV Funding can not provide proper and complete validation of the account in question, they are required by law to remove the account from my credit report immediately. I am requesting a full investigation into LVNV Fundings reporting practices and insist that the account be removed from all credit bureaus ( XXXX, XXXX, and XXXX ) within 30 days as mandated under federal law. 
Failure to address this matter will result in further legal action to protect my rights. I trust the CFPB will investigate this issue promptly and ensure LVNV Funding adheres to all applicable federal laws.

I appreciate your immediate attention to this matter and look forward to your resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are still in litigation. Ive contacted you repeatedly to address this issue, but nothing has been resolved.

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 2024-12-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 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: PA

Complaint narrative:
XXXX XX/XX/year> account is closed by original creditor and XXXX balance incorrect to present years masrk negative corrent report now is charge of with XXXX only my resolution is remove this account delete from my credit report soon possible

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 2024-12-17 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: PA

Complaint narrative:
XXXX XX/XX/year> account is closed by original creditor and XXXX balance incorrect to present years masrk negative corrent report now is charge of with XXXX only my resolution is remove this account delete from my credit report soon possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
XXXX XX/XX/year> account is closed by original creditor and XXXX balance incorrect to present years masrk negative corrent report now is charge of with XXXX only my resolution is remove this account delete from my credit report soon possible

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 2024-12-17 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be 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.

TRANSUNION 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! 


Update the late payments from my consumer reports

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 2024-12-17 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MS

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2024-12-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX, however, on XX/XX/XXXX the XXXX I was paying timely on, no late payments, the vehicle was recalled by XXXX. Recall number # XXXX put my family and myself in immediate risk of the vehicle catching fire per the description and I was advised not to charge the vehicle or park it near my house or other vehicles. As a result, I called XXXX XXXX in an effort to get resolve, turn in the vehicle early as I could not drive it as intended and it was also unsafe to drive and park near my house. When my kids learned of the risk they did not want to ride in the vehicle any longer making for a hardship when I have XXXX kids that I help take to sports and events outside of when my wife can with her one vehicle. The XXXX case number is XXXX, a buy back was not offered and the dealership said they were not part of the decision as Ally held the loan. At that time I looked up the State of Florida lemon law, unfortunately more than 2 years and 60 days had expired so I was not eligible under that clause. Ultimately, after much consideration I decided to turn the vehicle into the dealership prior to the lease terming out, that date was XX/XX/XXXX. I was told if I wanted to dispute the situation further and get resolve this was the best approach and if I was to receive a final bill from Ally, which I did on XX/XX/XXXX, I could contact Ally and dispute the bill over the phone. That call took place yesterday to no success, they said I owed XXXX XXXX and there is nothing further they could do for me as they can not override the billing system. Upon the failed effort I was advised by the FL State AG to contact this agency, Consumer Protection. With that my goals are as such, have Ally put a freeze on my account until I am allowed the opportunity to dispute the bill and obtain resolve and to see this or any other alternative process thru that releases me of the unpaid months and fees tied to turning in a recalled vehicle that was unsafe to drive, had no sign of a fix in the near future and did not allow me utilize the battery feature that I purchased the vehicle to use. Thank you in advance for your assistance in this matter, it is greatly appreciated.

Company response to consumer: Closed with explanation