vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: IN

Complaint narrative:
My account with EQUIFAX 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 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. 


EQUIFAX 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX, Please remove old numbers and address! 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-02 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: EQUIFAX, INC.
State: FL

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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
I am writing to formally request your assistance in resolving a serious issue related to identity theft and inaccuracies on my credit reports with Experian, XXXX, and XXXX. 

On XX/XX/year>, I filed a report with the Federal Trade Commission ( FTC ) regarding fraudulent inquiries, incorrect addresses, and my name being reported incorrectly on my credit reports. I am a victim of both identity theft and a data breach, and in XX/XX/year>, I uploaded a police report to each of the credit bureaus to verify my situation. 

On XX/XX/year>, I also mailed certified letters to the credit bureaus to further address this issue. Included with my FTC report were supporting documents such as my driver 's license, a utility bill, and a bank statement, all of which provide my correct and current information. Despite these efforts, Experian, XXXX, and XXXX have failed to remove the inaccurate information, which has severely impacted my credit. This ongoing issue has made it difficult for me to access credit, as creditors are unable to verify my identity due to the conflicting information on my reports. 

I am seeking your intervention to ensure that Experian, XXXX, and XXXX take immediate action to correct these inaccuracies and restore my credit standing. The continued presence of this erroneous information is causing significant harm to my financial stability. 

I appreciate your attention to this matter and look forward to your prompt response.

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 2024-10-02 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: IL

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-10-02 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: IL

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to each of the credit bureaus requesting that the incorrect information on my credit report removed. As of today, XX/XX/XXXX, I have not received any communication pertaining to this matter. My full name is XXXX XXXX XXXX XXXX My birthday is XX/XX/XXXX and my correct and only address is XXXX XXXX XXXX XXXX XXXX GA XXXX. All other information needs to be removed immediately. This is the letter that I sent : I am writing to formally demand the immediate removal of incorrect personal information currently reflected on my credit report. My full name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following information on my credit report is incorrect and must be removed immediately : Name Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple variations ) Previous Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX demand XXXX all incorrect names, addresses, and other personal information be removed from my file immediately as they are not accurate or relevant to my credit history. This erroneous information could impact my creditworthiness and lead to further confusion. 

I expect prompt correction of my file and written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to each of the credit bureaus requesting that the incorrect information on my credit report removed. As of today, XX/XX/XXXX, I have not received any communication pertaining to this matter. My full name is XXXX XXXX XXXX XXXX My birthday is XX/XX/XXXX and my correct and only address is XXXX XXXX XXXX XXXX XXXX GA XXXX. All other information needs to be removed immediately. This is the letter that I sent : I am writing to formally demand the immediate removal of incorrect personal information currently reflected on my credit report. My full name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following information on my credit report is incorrect and must be removed immediately : Name Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple variations ) Previous Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX I demand that all incorrect names, addresses, and other personal information be removed from my file immediately as they are not accurate or relevant to my credit history. This erroneous information could impact my creditworthiness and lead to further confusion. 

I expect prompt correction of my file and written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filed two complaints : XXXX XXXX Bottom line is that I can not obtain my credit report online at the Equifax website. I have created an account, but it will not allow me to pull it up. 

They have sinced sent me a letter that says I have to request this in writing and provide certain information ( attached ). This seems like just a way to discourage me. I should be able to obtain this information on the Equifax website. 

I can go on the Equifax website and see my credit score and put a freeze on my credit report ( attached ). But when I try to pull up my credit report, it won't work. I tried this once and then removed my freeze on my credit report, just in case that stopped it, but it still would not come up ( attached ). I keep getting a message that they are temporarily unable to complete my request. So I can see my credit score on their website and freeze my credit report, but I can't see the credit report. They had to verify my information to give me this account, now they want it in writing. 

I can even see my Equifax credit report on XXXX XXXX ( attached ). 

Bottom line is that I should be able to go on the Equifax website and download my credit report. 

I also tried one of those free credit report sites. I could obtain my XXXX and XXXX credit reports, but not Equifax. I got a message that it could not be done. 

I have accounts on the XXXX and XXXX websites and can see my credit scores, freeze my credit reports and see/download my credit reports. 

Why can't Equifax fix their website so that I can see and download my credit report on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
XXXX XXXX XXXX I'm unaware this debt. I did not receive proper notification to be allow to dispute this debt. 
Please provide certified mail with a receipt bearing my signature. If not please remove asap.

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 2024-10-02 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:
XXXX XXXX XXXX I'm unaware this debt. I did not receive proper notification to be allow to dispute this debt. 
Please provide certified mail with a receipt bearing my signature. If not please remove asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: NC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on Experian reporting as of XX/XX/XXXX. The last payment was not made on XX/XX/XXXX and is 30 days past due from XX/XX/XXXX reporting late every month from XXXX until XX/XX/XXXX. This is very inaccurate payment history reporting. I should have an active payment history from XXXX. Experian, XXXX, and XXXX report different Account names as third parties XXXX XXXX XXXX XXXX This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. Experian failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following account : XXXX Account number : 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 2024-10-02 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-10-02 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:
A collection account from XXXX XXXX XXXX reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXXXXXX XXXX was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.

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 2024-10-02 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:
A collection account from XXXX XXXX XXXX reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXX apartments was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America put my account in closing on XX/XX/XXXX. I was told account will be closed on or before XX/XX/XXXX. I got a mail on XX/XX/XXXX that the account was closed. I called on XX/XX/XXXX and the representative said that the account was closed and that i will recieve a check in 5 days. XX/XX/XXXX I called and ask about my check a manager told me that the account was not closed, so I told her a few days ago the representative said the account was closed and that I should receive a check she then told me that the account will be closed on the XXXX. On the XXXXXXXX XXXX XXXXXXXX I called again spoke with a manager she then told me that the account will be closed on the XXXXXXXX XXXX XXXXXXXX. I called back on the XXXXXXXX XXXX XXXXXXXX and then the agent is saying the account is still not closed because of pending Claims. My account was not closed due to pending claims. My accounts according to Bank Of America was closed due to a check deposit and that they had concluded their investigation and my account was closed. 

Account Number : XXXXXXXX Business Checking

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 2024-10-02 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: U.S. BANCORP
State: SC

Complaint narrative:
I opened the account in XXXX. A secured Credit card for {$300.00}. In XXXX a bill came of {$18000.00} on a {$300.00} secured card from Elan Financial Services/ U.S. Bank XXXX XXXX XXXX charged a {$300.00} secured card {$18000.00} with a balance of less than XXXX dollars still on a secured card that was only {$300.00}. They made me add money to my secured card for the balance. Upon me looking at my statement I contacted them several times XXXX and Elan about the ballooned balance of {$18000.00} and they told me several times the issue would be rectified and resolved. Upon me applying for the secured credit, they told me I would never be able to go over the limit if {$300.00}. Thats how secured credit works. Its XXXX, the issue is still not resoved after multiple attempt to have it removed from credit report. 
An according to USC1681 ( e ) ( b ) they are suppose to do this ( 15 ) Treatment inaccurate or unbelievable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) if any information disputed by consumer, an item of the information is found to be inaccurate or accurate must be updated or removed.

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