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

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit Reporting Agency [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA, XXXX ] XXXX. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) [ Acct # XXXX ] XXXX. XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) - Acct # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Acct # XXXX To Whom It May Concern, I am writing to formally dispute items on my credit report. The accounts in question are collections reported by [ ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ]. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I believe the collection accounts are inaccurate and does not belong to me. I request that you verify the validity of this account or remove it from my report entirely if it can not be verified. Please provide all supporting documentation used to verify this debt, as per the Fair Credit Reporting Act ( FCRA ). 

Enclosed, you will find copies of my credit report with the disputed collection highlighted, as well as any other supporting documents for your review. I request that you update my credit report and provide a written response to this dispute within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I found personal information ( name and address ) that has been reporting on my report was incorrect/ not my information. This has been hurting me in making a car purchase. Please remove this incorrect information from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: LA

Complaint narrative:
Re : Dispute of Unauthorized Inquiries on my credit report I am writing to dispute unauthorized inquiries on my credit report maintained by your agency. Despite my previous attempts to resolve this issue, these inquiries remain on my report. 

Unauthorized Inquiries : [ inquiry ] XX/XX/XXXX ] [ XXXX XXXX XXXX ] I have been a victim of identity theft, and someone has been using my personal information without my consent. I have contacted XXXX XXXX, Experian, XXXX and informed them of the unauthorized activity. However, they have refused to remove the inquiries. 

Previous Dispute Efforts :. Date of initial dispute : [ XX/XX/XXXX ] Method of dispute : XXXX XXXX XXXX XXXX representative XXXX XXXX XXXX ] Request : I request that you : XXXX. Immediately remove the unauthorized inquiries from my credit report. 
XXXX. XXXX an investigation into this matter. 
XXXX. Provide documentation supporting the removal of these inquiries. 

FCRA Section 611 Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), I request that you take prompt action to correct or delete the disputed information. 

Personal Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] Documentation : I have attached a copy of my Identity Theft report ) to support my claim. 



I certify that the information provided is accurate and true. I authorize your agency to investigate and correct 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 2024-10-10 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have severals hard inquiries that I dont recognize or did it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have severals hard inquiries that I dont recognize or did it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBER:XXXX  LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX  

TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIAN, XXXX XXXX XXXX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS. 

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 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 explanation
Consumer complaint received 2024-10-10 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX bal. {$120.00}. XXXX bal. {$2000.00}. XXXX XXXX bal. {$730.00}.

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 2024-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX debt XXXX representative XXXX for unprofessional and harassing behavior during a phone call on [ XX/XX/24 at XXXX XXXX  ]. Despite informing him that I am currently unemployed and seeking government assistance, he repeatedly questioned me in an aggressive and disrespectful manner, insisting on knowing how I obtain food and money and insinuating that I am attempting to avoid paying my debt. 
The representative went as far as to suggest that I am trying to get out of paying my debt, which I believe was an indirect accusation of committing fraud. This statement is deeply offensive and distressing, as it is completely untrue. I am not refusing to pay ; I am simply unable to make payments at this time due to my financial situation. His behavior made me feel attacked, XXXX, and extremely uncomfortable. He continued to push aggressively for details on where I get money from and failed to acknowledge my request to file a formal complaint during the call. 
This call came at an already stressful time for my family and friends, as we are still dealing with the aftermath of XXXX XXXX. The representatives aggressive behavior and accusations added unnecessary distress to an already challenging situation, and I believe it was highly inappropriate given the circumstances. 
This conduct is not only unprofessional but also a violation of my rights. I have the right to be treated with dignity and respect and to be free from harassment and false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

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

Complaint narrative:
To whom it XXXX concern, I XXXX XXXX XXXX have requested two times that the information from XXXX XXXX or XXXX be removed from my credit report since I did not authorize or open any accounts with your agency. Therefore, Im requesting XXXX XXXX to cease and desist all contact methods and to send me a debt validation letter. I have frozen my credit report and report it the fraudulent account to all credit bureaus and also I report it to identity theft. Some of the laws you XXXXay be subject to are as follows : 18 U.S. C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XXXXXXXX XXXX XXXX until XXXX of XXXX someone stole my identity and then they had bank cards from bank of america sent out and stole money from my account XXXX of the claims was {$2900.00}, and the other claim was for {$2800.00}, and these XXXX cards were sent to my home address where they stole from my mailbox, the third claim they had my address changed to a different city to a XXXX XXXX and ordered XXXX or XXXX different cards at different times and spent {$6700.00}. I sent to them a supporting document a typed letter from a sworn state XXXX with the state of XXXX XXXX XXXX logo showing dates that I was not able to authorize or even use my card during the dates that all this happened. On the letter even had contact information if they needed to contact the state agent but when I spoke with the supervisor she told me that all these claims show proof of fraud and she doesn't even see where they even see where they took your letter in consideration. I asked her what should I do next and she said that I had already exhausted my reconsideration and there was nothing she could do but that other people contact other agencies to get their issues resolved but being that she is a employee of bank of america she can't tell me what to do exactly. She also stated that she didn't understand why thay approved the one and not the other because it seems to her that all of this shows the same time frame and fraud by most likely the same individual, and XXXX XXXX she said, it shows in your letter that it was impossible for you to authorize any of this because your hands were tied during those dates. If I were you Sir, she said, I would check out other agencies to help you get this resolved, and I said, we are on a recorded line and she said that is correct, and I said thank you and contacted a lawyer who directed me to contact you all.

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 monetary relief
Consumer complaint received 2024-10-10 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: NY

Complaint narrative:
After I filed the first CFPB report the company is acting like they removed all the unauthorized accounts from my report but they have not. Anything Experian has requested of me I provided. Instead of completing the request that I put in through the CFPB they wanted to create and entire separate investigation outside of the one that still shows as open under the CFPB knowing it will only delay the process I have been struggling through for months. I went through the CFPB for a reason I will like to keep the CFPB involved with the communication. Why hasn't Experian replied to me through the CFPB but replies separately with a very broad and general response with no results when they have everything they need from me to support Ive been a victim of ID theft. I feel Experian is taken advantage of me not showing any consumer protection what so ever. Why are they saying one thing and doing another. Why are they claiming to have removed false information from my report but it is still showing its there. Why am I being denied a credit freeze? Why haven't they replied to my first report under the CFPB but emailed me separately requesting a picture of my drivers license and then did NOTHING when I sent it in immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: LA

Complaint narrative:
Equifax continues to report a FRAUD account even though I have sent police reports ID THEFT Affidavits and other supporting documents to them proving this account is indeed fraud. I continue to request proof from EQUIFAX of how this account is begin determined to belong to me. EQUIFAX refuses to send me anything showing this account does indeed belong to me and every time I dispute this account I get a letter stating the documents I've sent in are not legible and therefore there deemed invalid! The account that is Fraud is XXXX XXXX XXXX XXXX  If Equifax refuses to honor the Valid and legal documents to remove this account then it is my understanding they have to by law per the FCRA. I have attached copies once more of all the documents showing this account is fraud. I have also mailed once again hard copies of these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief