vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry 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 2024-07-05 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: PA

Complaint narrative:
My account with 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 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 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Sunrise Credit Services for their violations of multiple consumer protection laws in the handling of my account. The actions taken by Sunrise Credit Services are in direct contravention of several regulations designed to protect consumers. The specific violations are as follows : 1. **Failure to Provide Validation Information** : Sunrise Credit Services has not provided the required validation information for the alleged debt as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report.

2. **Violation of My Right to Dispute** : I have not been given a chance to dispute the account, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This provision mandates that consumers must be given the opportunity to dispute the validity of the debt before any adverse actions are taken.

3. **Use of Deceptive Practices** : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their attempts to collect this debt. Such practices are in direct contravention of established consumer protection laws.

4. **Unauthorized Reporting to Consumer Reporting Agencies** : Sunrise Credit Services has no authority to furnish any account to consumer reporting agencies without providing all legally required disclosures. This constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which stipulate the requirements for accurate and lawful reporting of debts to consumer reporting agencies.

The actions of Sunrise Credit Services have caused me considerable distress and have negatively impacted my credit report and overall financial well-being. I request that the Consumer Financial Protection Bureau ( CFPB ) take the following actions : 1. **Investigate the Practices of Sunrise Credit Services** : Conduct a thorough investigation into the practices of Sunrise Credit Services to ensure compliance with all applicable consumer protection laws.

2. **Enforce Corrective Measures** : Require Sunrise Credit Services to remove the collection account from my consumer report until proper validation information is provided and I am given an opportunity to dispute the debt.

3. **Ensure Compliance with Disclosures and Dispute Rights** : Ensure that Sunrise Credit Services provides all required disclosures and adheres to the right of consumers to dispute alleged debts.

4. **Prevent Future Violations** : Implement measures to prevent future violations of consumer protection laws by Sunrise Credit Services and other collection agencies.

I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance in protecting consumer rights.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year> I called XXXX XXXX about my XXXX XXXX XXXX business account to make a payment arrangement the manager approved my payment arrangement so after the manager approved it I had to call back because the company I work for was sending my check late so the representative that I spoke with in XXXX  after talking to the manager I explained to him the manager had approved the payment arrangement but I was calling back because my check wouldn't be in by the date the payment arrangement was made so I asked him if it was okay to send it in the next week he said let me take a look and see he came back to the phone and said yes it's okay to pay the next week. Remind you the payment was submitted in the same month and was not 30 days past due and XXXX  XXXX is making false late payment to my credit report and I have never been late since I have had a credit card with the company but to make a false report to the credit bureaus is wrong because it's making it seems like I can't pay my bill on time.

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 2024-07-05 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: GA

Complaint narrative:
XX/XX/year> I called XXXX XXXX about my XXXX XXXX XXXX  business account to make a payment arrangement the manager approved my payment arrangement so after the manager approved it I had to call back because the company I work for was sending my check late so the representative that I spoke with in XXXX after talking to the manager I explained to him the manager had approved the payment arrangement but I was calling back because my check wouldn't be in by the date the payment arrangement was made so I asked him if it was okay to send it in the next week he said let me take a look and see he came back to the phone and said yes it's okay to pay the next week. Remind you the payment was submitted in the same month and was not 30 days past due and XXXX  XXXX is making false late payment to my credit report and I have never been late since I have had a credit card with the company but to make a false report to the credit bureaus is wrong because it's making it seems like I can't pay my bill on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am a XXXX XXXX  who opened a SoFi account to get a higher interest rate on the money I had saved for college. The SoFi website says that either a passport or driver 's license can be used to establish identity. I opened the account on XX/XX/XXXX. I used my passport to open the account, as well as my SSN. 

On XX/XX/XXXX, I received an email that my account was restricted. When I talked to someone in customer service, I was told that only a driver 's license could be used. 
Every time I have called SoFi, I have been told that someone in the security division is investigating it and will contact me back. I have never received an email or phone call. 

I did get my driver 's license in XX/XX/XXXX, but I can't get any information about how to upload it to release my account. I called SoFi again today ( XX/XX/XXXX ) and received the same response that someone in Security will get back to me. I have no faith that this will happen as they have never called me back before. 

Since they have no physical locations, I don't know what recourse I have to release my funds. I will absolutely be leaving SoFi as soon as I can get my college savings back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: IN

Complaint narrative:
I do not have any agreement with these companies that's on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: IN

Complaint narrative:
I do not have any agreement with these companies that's on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I don't have any affiliation with these people. don't know them never met them, their reporting a debt to my credit account about fee for apartments for them that I never applied for reached out them multiple times about correcting this with all three credit agencies. this is stopping me from getting funds needed to run my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under:15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: IN

Complaint narrative:
I do not have any agreement with these companies that's on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NRA Group, LLC
State: GA

Complaint narrative:
XXXX is still reporting this account which the CFPB states is not reporting. Attached is the proof of it still reporting

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 2024-07-05 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:
My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital 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 reported in ( MONTHS REPORTING 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 2024-07-05 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: MA

Complaint narrative:
My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 reported in ( MONTHS REPORTING 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 XXXXXXXX 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 2024-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute fraudulent inquiries that have been reported on my credit report by TransUnion. My name is XXXX XXXX, and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have identified several inquiries that I did not authorize. These fraudulent inquiries are negatively impacting my credit score and financial reputation. Despite my efforts to resolve this issue directly with TransUnion, the unauthorized inquiries remain on my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate these fraudulent inquiries and instruct TransUnion to remove them from my credit report. I have taken steps to protect my identity, including filing a police report and placing a fraud alert on my credit file, and have attached copies of these documents for your reference. 

The fraudulent inquiries in question include the following : 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 I appreciate your prompt attention to this matter and look forward to your assistance in rectifying this issue. The presence of these unauthorized inquiries on my credit report is causing me undue distress and is unjustly affecting my financial standing. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: OH

Complaint narrative:
I must bring to your attention that I have repeatedly notified the Experian credit bureau to update my credit profile accurately and accordingly. Yet, to my dismay, you have failed to do so. It is my hard-earned reputation that is at stake here, and your negligence to take necessary actions is unacceptable. I have several accounts on my credit report that are being fraudulently reported as a result of identity theft. It is distressing to note that among all the credit bureaus, Experian is the only one that has not rectified this issue. I demand you to remove the accounts 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 2024-07-05 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: MA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc.
State: OK

Complaint narrative:
Woke up this morning to calls every 30 minutes..I answered told them I'd pay by the mid of the month since I'm only 3 days past due. They said they were gon na keep calling I informed them of my rights and how they can not harass and or call me more then a certain amount of times per week but they ignored it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX [ Date ] Aldous and Associates XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to dispute an account listed on my credit report by your organization. I have previously disputed this account, yet it still appears on my credit report. This account is fraudulent and the result of identity theft. 

Please find attached a copy of my original identity theft report for your reference. As mandated by the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

Below are the details of the fraudulent account for your reference : Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX I appreciate your prompt attention to this matter. Please confirm in writing that you have removed the fraudulent account from my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation