vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
XXXX Subject : Notice of Disputed Debt and Request for Compliance with Consumer Protection Laws I am writing to formally dispute the accuracy and validity of a debt reported by your agency, XXXX, and to notify you of potential violations of consumer protection laws. The details of the accounts in question are as follows : XXXX : Date Opened XXXX, Date of Last Activity XXXX XXXX : Date Opened XXXX, Date of Last Activity XXXX Equifax : Date of Last Activity XXXX The original creditor is listed as XXXX XXXXXXXX XXXX. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Unverified Accounts : According to the FCRA, credit reporting agencies are required to verify the accuracy of any disputed accounts within 30 days. Despite my previous dispute, XXXX and Equifax have not verified the account. This failure to verify and update the status of the disputed account violates my rights under the FCRA ( 15 U.S.C. 1681i ). 
Fair Debt Collection Practices Act ( FDCPA ) Violations : Validation of Debt : Under the FDCPA ( 15 U.S.C. 1692g ), upon my request, you are required to provide validation of the debt within 30 days. To date, I have not received sufficient validation from XXXX regarding the debt associated with XXXX XXXXXXXX XXXX. 
False or Misleading Representation : The inconsistent reporting dates across different credit bureaus suggest potential inaccuracies and false representation of the debt, which is a violation of the FDCPA ( 15 U.S.C. 1692e ). 
Actions Required : Immediately cease all collection activities until this matter is resolved. 
Provide written verification of the debt, including the name and address of the original creditor, the amount of the debt, and evidence that I am legally obligated to pay. 
Notify XXXX, XXXX, and Equifax to delete the disputed account from my credit reports until proper verification is completed. 
Failure to comply with these demands may result in legal action to enforce my rights under the FCRA and FDCPA. I expect a prompt response to this letter within 30 days, as mandated by law. 

Please be advised that I am documenting all correspondence and retaining all records for my protection. If you have any questions or need additional information, you may contact me in writing at the address provided above. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It looks that my credit history has been corrupted. Again, I was going through my documents and discovered numerous stuff that did not belong to me. Since I'm a stickler for research, I discovered that under section 605b of the FCRA, 3 credit bureaus are compelled by law to remove any things discovered to be fraudulent owing to identity theft. The disputed things do not belong to me. Please remove these items. 
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 Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}

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 2024-06-05 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: CA

Complaint narrative:
It looks that my credit history has been corrupted. Again, I was going through my documents and discovered numerous stuff that did not belong to me. Since I'm a stickler for research, I discovered that under section 605b of the FCRA, 3 credit bureaus are compelled by law to remove any things discovered to be fraudulent owing to identity theft. The disputed things do not belong to me. Please remove these items. 
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 Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i had payments not go through on XXXX XXXX application. The payment kept bouncing but the money was on the account. Eventfully all of them went through and i was able to pay. I worked with customer service and got it all worked out. But in reviewing my credit report it was never fixed.

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 2024-06-05 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: FL

Complaint narrative:
On XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i had payments not go through on XXXX XXXX application. The payment kept bouncing but the money was on the account. Eventfully all of them went through and i was able to pay. I worked with customer service and got it all worked out. But in reviewing my credit report it was never fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
On XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i had payments not go through on XXXX XXXX application. The payment kept bouncing but the money was on the account. Eventfully all of them went through and i was able to pay. I worked with customer service and got it all worked out. But in reviewing my credit report it was never fixed.

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 2024-06-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Back on XXXX someone took about XXXX dollars in my bank of america prepaid account. I am a victim of identity theft and was impacted the hardest in XXXX and was pysically and mentally impacted. It has caused me to be homless and a hardship with my babies as a single father. I filed the XXXX claims with bank of america XXXX XXXX of em in XXXX and XXXX in XXXX. Ive been going through this for XXXX  years .claim numbers are XXXX i gave them everything they needed to prove i didnt authorize anyone to do this to me.i took the steps to get this right and they kept denying me! I was telling them to check cameras.i never gave someone authorization to use my social. I was begging them at a point before i got evicted. In XX/XX/XXXX my mother had paid rent and deposit for me and my babies due to my gunshot wound incident that happened in XXXX due to a robbery wrong, And i feel like if i can get this handled i can catch this evition notice to. I dont wan na be homless with my babies anymore thats why this has been a priority I provided MY- FTC IDENTITY THEFT REPORT -POLICE REPORT -FINANCIAL HARSHIP STATING HOMLESS -MORE DOCUMENTS

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 2024-06-05 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: TX

Complaint narrative:
I don't recall getting this loan from the company.

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 2024-06-05 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: TX

Complaint narrative:
I don't recall getting this loan from the company.

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 2024-06-05 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: FL

Complaint narrative:
XXXX XXXX continues to violate FCRA Laws and UCC LAWS, I am currently in litigation with XXXX XXXX related to acct # XXXX XXXX XXXX XXXX I have retained attorney XXXX XXXX XXXX XXXX. 

We are proceeding with lawsuit pertaining to Full Purchase Refund : Recovery of the total purchase amount due to significant issues such as defects, non-delivery, or failure to meet contractual terms. 

Reimbursement of Out-of-Pocket Expenses : Compensation for any additional costs directly incurred as a result of the issue, including fees, costs, and other expenses. 

Damages for XXXX XXXX : Compensation for the emotional distress and XXXX suffering caused by this situation. 

Misrepresentation : Claims based on false or misleading information provided by the other party, which induced us to make the purchase. 

XXXX : Allegations of intentional deception by the other party for financial or personal gain. 

Punitive Damages : Additional compensation aimed at punishing the wrongdoer and deterring similar conduct in the future. 

Any Additional Claims Uncovered During Discovery : This includes any further claims identified during the pre-trial discovery process, where evidence is exchanged and examined. 

In the interim, XXXX XXXX has received several certified mail rescinding the contract, since XXXX, which they have chosen to ignore, the opt out request, from all reporting agencies, along with the Revocation of Power of Attorney, and have placed my account in repossession status. I did not give any consent. 

I would like repossession and the all late payments removed, actually the entire XXXX account removed from my report on all three bureaus and any other consumer reporting agency. as I have returned the vehicle XX/XX/XXXX. 

This is completely unfair and ruining my chance as securing another vehicle while litigation occurs. I have never been late on any auto payment with XXXX until the vehicle shut down on me in mid traffic earlier this year. I do not deserve to be unsafe and penalized. Ive stopped payment and made it clear to XXXX, they offered a repurchase agreement and XXXX in monetary relief, ( see attachment ) which Ive declined, and decided to sue for what is lawfully due to me. Its unlawful to penalize me for a lemon, especially when Ive made several efforts through CFPB and XXXX directly through all their channels. 

Its a shame as a secured creditor I am being used and abused and mentally strained above it all. Please make this right!

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 2024-06-05 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: MO

Complaint narrative:
Despite our previous attempts, I regret to inform you that these issues still persist on my record. The presence of late open accounts and late closed not only adversely affects my credit score but also undermines my financial standing and access to credit opportunities. I kindly request that you prioritize the investigation and resolution of these issues, ensuring that all necessary steps are taken to correct the late open and remove the late closed accounts in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following late open accounts should be corrected and the late closed should be removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW.

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 2024-06-05 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: MA

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 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 2024-06-05 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require the three credit bureaus to validate these accounts. It is not authorized to fail to authenticate these reporting accounts as unverified information without giving proof within the time range required by law. My credit report has the following incorrect information, which needs to be examined and corrected. 
XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX : {$0.00}

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 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with 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 was never late! I have had exceptional payment history and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing
error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts 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 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 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 2024-06-05 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: FlexShopper, Inc
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$18000.00} do not have a file with this company XXXX XXXX XXXX XXXX  XX/XX/XXXX {$10000.00} ll do not have a file with this company XXXX XXXX XXXX XX/XX/XXXX {$480.00} do not have or know who this company is flexshopper incc XX/XX/XXXX inquire that i dont know XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX  XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX & XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX XXXX XX/XX/XXXX XXXX been paid off XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX paid off this credit file has a freeze active and fraud aleart as well so how is this file getting new inquires while a freeze and fraud aleaert are active.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$370000.00}

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 2024-06-05 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
XXXX  XXXX BANKRUPTCY ( XXXX XXXXXXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
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 non-monetary relief