vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
While reviewing my credit report I found that there are accounts reported on my credit report inaccurately. 

XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  IS AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN CHARGED OFF. MY DEFAULT OCCURRED DURING THE XXXX, A PERIOD THAT I HAD NO CONTROL OVER. I CONTACTED THEM AND PAID A SETTLEMENT AMOUNT FOR THE ACCOUNT. NOW THE ACCOUNT IS REFLECTING INCORRECT INFORMATION AND I WOULD LIKE IT REMOVED FROM MY REPORT. THE ACCOUNT SHOWS THE CHARGE OFF BEING REPORTED EVERY MONTH AFTER THE ACCOUNT WAS ACTUALLY CHARGED OFF. THIS IS RE-AGING THE ACCOUNT AND CREATING A SITUATION WHERE IT STAYS ON MY REPORT. THE INFORMATION ON THE REPORT SHOWS XXXX NEGATIVE MONTHS. THIS IS INCORRECT. TO RESOLVE THIS ISSUE I WOULD LIKE THE ACCOUNT REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN CHARGED OFF. MY DEFAULT OCCURRED DURING THE XXXX, A PERIOD THAT I HAD NO CONTROL OVER. I AGREED TO PAY THEM OFF, HOWEVER, THE ACCOUNT DISPLAYS THE FOLLOWING STATEMENT : Account paid in full for less than full balance THE ACCOUNT IS REFLECTING INCORRECT INFORMATION AND THEREFORE I WOULD LIKE IT REMOVED FROM MY REPORT. THE ACCOUNT SHOWS THE BALANCE PAID AND THE HIGHEST BALANCE AS THE SAME AMOUNT, HOWEVER, THE STATEMENT IN THE COMMENTS STATES " ACCOUNT PAID IN FULL FOR LESS THAN FULL BALANCE ''. AGAIN, THE PAYMENT THAT WAS MADE WAS THE HIGHEST CREDIT LIMIT BALANCE. TO RESOLVE THIS ISSUE I WOULD LIKE THE ACCOUNT REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXX shows on my Experian credit report as a charge off with a balance. The account has been fraudulently been reported. It reflects a chargeoff reported every month since 2020. Most negative information remains on credit reports for XXXX years from the date of the first missed payment. After this period passes, the information should automatically disappear. If the creditor is re-aging the account by reporting it every month the account will stay on the report forever. THE INFORMATION ON THE REPORT SHOWS XXXX NEGATIVE MONTHS. This is a violation of the Fair Credit Reporting Act. In addition, this account reflects that it was transferred to another lender. If it has been transferred the account should not show a balance. it is being reported fraudulently. The account needs to be removed from the report. XXXX XXXX XXXX  is no longer in business ( see attached ). The only resolution for these actions is to remove the account from the 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 2024-07-17 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-17 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: NC

Complaint narrative:
I am writing to formally exercise my consumer right under 15 USC 6802 to opt out of any information sharing by XXXX XXXX XXXX of XXXX. 

Additionally, I would like to address an important matter regarding my account, which has been charged off. Despite this, I have not received a Form XXXX ( XXXX XXXX  XXXX ) from your company. This omission has resulted in inaccurate reporting of my account status. Therefore, I request that this account be deleted from your records to reflect its accurate status. 

Please confirm in writing once this request has been processed. If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: NC

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX2 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-17 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
My account with XXXX XXXX was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 paymen t reported in 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 XXXX  days before the payment due date. 


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 XXXX  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 2024-07-17 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2024, I filed a report of XXXX XXXX and fraud to XXXX. My XXXX credit report shows that I have an account with Citizens Bank with {$20000.00} of debt. This debt showed up on the credit report on XXXX XXXX, 2024. I do not nor have I ever had an account with Citizens Bank. The fraud is still showing on my report. I called XXXX today, XX/XX/XXXX, and was told my case was closed and no fraud was found because they had contacted Citizens Bank and were informed that I do have an account with Citizens Bank and the charges are accurate. This is false. I followed up with a call to Citizens Bank, who confirmed that I do NOT have an account nor any debt with them. This fraudulent account on my report has lowered my credit score over XXXX points so I need this matter to be resolved immediately. All other credit reporting bureaus resolved this issue within less than a week of me reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: NV

Complaint narrative:
My credit reports are all different. I cant even get my XXXX. They say I have no score but yet Im XXXX XXXX. I have a XXXX, un Equifax. I have a XXXX, Equifax has my wrong birthdate so its not even me trying to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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 have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Subject : Request for Immediate Removal of Collection Entry Dear Absolute Resolutions Investments , LLC, I am writing to follow up on my previous correspondence and to request the immediate removal of the collection entry from my consumer credit report. While I appreciate your attention to my complaint, there are several critical issues that remain unresolved. 

1. Debt Validation : Although you mentioned that validation was provided through your attorney at XXXX XXXX XXXX XXXX, I have not received any such documentation. Please provide proof that these documents were sent to me, including a copy of the cover letter, the documents, and proof of mailing. 

2. Required Disclosures : You stated that the required credit reporting disclosures were sent on XXXX XXXX, 2024. I have not received these disclosures. Kindly provide a copy of the documents and proof of mailing to verify compliance. 

3. Detailed Debt Information : The detailed validation of the debt, as initially requested, is still missing. I request the following : The sale agreement between XXXX XXXX  XXXX. and XXXX. 
Documentation confirming the calculation of the account balance. 

4. Compliance with Regulations : Your response indicates that the account was first reported on XXXX XXXX, 2024. As I have not received the required disclosures, this appears to be non-compliant with 12 CFR 1006.34 and other applicable regulations. Please provide evidence of compliance with these requirements. 

5. Proof of Notification : I request a copy of the certified mail receipt or any other proof indicating that I was properly notified of this debt, including my name and signature if applicable. 

Request for Removal : Given XXXX failure to provide proper debt validation and required disclosures, I kindly request that XXXX remove the collection entry from my consumer report immediately. The reporting of this account without the necessary documentation and compliance with 12 CFR 1006.34 and 15 USC 1681s-2 ( a ) is unlawful. 

I believe in resolving this matter amicably and trust that you will address these issues promptly. If the collection entry is not removed within XXXX days from the date of this letter, I will be compelled to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is XXXX, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was notified by XXXX XXXX monitoring that a new inquiry was opened using my credit/information. 

I received an email from Bank of America on XX/XX/year> that someone applied for a for XXXX  XXXX XXXX XXXX Credit Card. Of which I did not apply for, I have no knowledge of any amount that was being considered for the card or any other information regarding the application. 

XXXX flagged the application as fraud and froze my XXXX credit report and placed a fraud alert to the other reporting agencies. I then went and placed freezes on the other two reporting agencies XXXX and 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 2024-07-17 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX 15 U.S. Code 1681c-2 I HAVE RECENTLY DISPUTED THIS FRAUDULENT ACCOUNT I NEVER GAVE MY WRITTEN CONSENT TO FURNISH CREDIT REPORT has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

15 U.S. Code 1681i - I ( 7 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE

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 2024-07-17 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX 15 U.S. Code 1681c-2 I HAVE RECENTLY DISPUTED THIS FRAUDULENT ACCOUNT I NEVER GAVE MY WRITTEN CONSENT TO FURNISH CREDIT REPORT has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

15 U.S. Code 1681i - I ( 7 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE

Company response to consumer: Closed with non-monetary relief