vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Hello, Im at my breaking point with how frustrating and demoralizing this situation is. Waking up to an unverified debt that doesnt belong to me was a nightmare, and since then, the harassment across various platforms has been relentless. Im even receiving threats of legal action, which is an experience I never thought Id have as a law-abiding consumer. It feels deeply insulting and is a blatant violation of my rights. The stress has become unbearable, affecting my mental health and leaving me with sleepless nights.

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 2024-11-15 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: GA

Complaint narrative:
This evening, I was stunned to find inaccurate accounts appearing on my credit report, and I have no idea how they got there. When I did my routine credit check, these discrepancies just showed up out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors persisted. Im deeply disappointed and ask that the documents Ive submitted be carefully reviewed to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
I am a victim of Identity theft following the XXXX XXXX BREACH. My personal information has been compromised in this breach. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the XXXX credit reporting agency, block information appearing in my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate and false information consists of an auto loan account opened at 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 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 XXXXhese accounts have resulted several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report Ive attached my FTC Identity Theft Affidavit, # XXXX Social Security Card, Current Address, Drivers license, Police Report, etc The aforementioned accounts housed by you were a result of identity theft and fraud from your data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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. 


XXXX XXXX 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 2024-11-15 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: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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. 


XXXX EXPERIAN 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! 


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 explanation
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I sent in a dispute on 5 different credit cards about incorrect balance, which Experian has decreased my credit score tremendously. Several of the accounts have a XXXX balance. The dispute was sent today XXXX and Experian responded within 1-2 hours with no charges. Also, my student loans were paid off recently, but the credit bureau did not adjust my score.

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 2024-11-15 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am reaching out to bring to your attention an error in the reporting of this account on my credit report. The balance and charge-off information are inaccurate, as the account was resolved some time ago. I kindly request that you investigate this discrepancy and take the necessary steps to correct my credit report by removing this inaccurate entry. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Date of inquiry : XX/XX/2023 4. XXXX XXXX Date of inquiry : XX/XX/2023 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2023 6. 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 2024-11-15 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: AMERICA FIRST FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I did not authorize following inquiries I like them removed from my XXXX report because it's on error and all those inquiries are incorrect and not authorized, here are these not authorized inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: IN

Complaint narrative:
1 ) XXXXXXXX XXXX XXXX : OPENED XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
2 ) XXXX XXXX : OPENED XXXX CLOSED XXXX BALANCE $ XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
3 ) XXXX XXXX : OPENED XXXX CLOSED XXXX BALANCE ( UNCLEAR )- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
4 ) XXXX XXXX- OPENED XXXX CLOSED XXXX BALANCE $ XXXX- CREDITOR REPORTED LATE PAYMENTS FOR XXXX AND XXXX OF XXXX  FOR 30 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY 5 ) XXXX XXXX- OPENED XXXX BALANCE XXXX CREDITOR REPORTED LATE PAYMENTS FOR XXXX XXXX XXXX XXXX, AND XXXX XXXX FOR 30-120 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY. 
6 ) XXXX XXXX : OPENED XXXX CLOSED XXXX UNCLEAR OF BALANCE- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. LISTED ON REPORT TWICE WITH TWO DIFFERENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
1 ) XXXX XXXX XXXX  : OPENED XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
2 ) XXXX XXXX : OPENED XXXX CLOSED XXXX BALANCE $ XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
3 ) XXXX XXXX  : OPENED XXXX CLOSED XXXX BALANCE ( UNCLEAR )- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
4 ) XXXX XXXX- OPENED XXXX CLOSED XXXX BALANCE $ XXXX- CREDITOR REPORTED LATE PAYMENTS FOR XXXX AND XXXX OF XXXX  FOR 30 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY 5 ) XXXXXXXX XXXX OPENED XXXX BALANCE XXXX CREDITOR REPORTED LATE PAYMENTS FOR XXXX XXXX XXXX XXXX AND XXXX XXXX  FOR 30-120 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY. 
6 ) XXXX XXXX : OPENED XXXX CLOSED XXXX UNCLEAR OF BALANCE- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. LISTED ON REPORT TWICE WITH TWO DIFFERENT ACCOUNTS

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 2024-11-15 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NC

Complaint narrative:
XXXX XXXX  XXXX I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances and with the consumer 's written consent or under other lawful conditions. I have recently reviewed my credit report and noticed that my credit information has been accessed or furnished without my written consent. As per 15 USC 1681b, consumer reports may only be obtained for purposes authorized by the FCRA, which include credit transactions, employment purposes, insurance underwriting, and other permissible purposes. Furthermore, under 15 USC 1681c, the report must be accurate and include information based on authorized requests only. To rectify this situation, I am requesting the following : 1. Immediate Investigation : An investigation into the circumstances of the unauthorized access and furnishing of my credit information. 2. Correction and Removal : Removal of any and all records of the unauthorized access or furnishing of my credit information from my credit report. 3. Written Confirmation : Written confirmation that my dispute has been investigated and that any unauthorized entries have been removed from my credit report. Please conduct this investigation promptly and notify me of the outcome within the timeframe required by law. I have enclosed copies of my credit report. If this matter is not resolved satisfactorily, I will consider taking further action to protect my rights under 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 2024-11-15 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: IN

Complaint narrative:
I am currently in the process of trying to purchase a home for myself and my family. I've tried to contact the companies many times since XX/XX/2024, to get the issue resolved of the fraudulent accounts reporting to my credit report. These fraudulent accounts are a defamation of my character and livelihood. The company continue to respond saying the information was verified and accurate, without sending proof of the verified information to be accurate. It is impossible for fraudulent accounts to be verified and accurate if they're fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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 am currently in the process of trying to purchase a home for myself and my family. I've tried to contact the companies many times since XX/XX/2024, to get the issue resolved of the fraudulent accounts reporting to my credit report. These fraudulent accounts are a defamation of my character and livelihood. The company continue to respond saying the information was verified and accurate, without sending proof of the verified information to be accurate. It is impossible for fraudulent accounts to be verified and accurate if they're fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
I do not consent to e-OSCAR and want a human to read this complaint. I have tried multiple occasions to get my compensation in reference to the XXXX removal from my consumer report by TRANSUNION. TRANSUNION removed this account because of the dispute I made due to many federal consumer rights violations. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but TRANSUNION has not yet compensated me for federal consumer rights violations and damages/emotional stressed/finical hardship caused. I will have proof of my claims attached and I will have my Pre-Arbitration attached. Also, an invoice will be attached below with the original report marked up showing the violations. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.

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