vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: AL

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 explanation
Consumer complaint received 2024-09-27 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: NJ

Complaint narrative:
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. PLEASE BLOCK AND REMOVE

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 2024-09-27 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: TX

Complaint narrative:
There are inaccurate inquiries on my XXXX credit report that do not belong there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. 

The creditor, XXXX XXXX XXXX XXXX XXXX has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of XXXX days to resolve this matter. 

XXXX XXXX XXXX XXXX XXXXXXXX Date of Incorrect Late Payment : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NC

Complaint narrative:
Notice for the agent is notice for the principal applies under this notice This letter serves as my formal dispute regarding the repeated and knowingly false reporting of my XXXX XXXX account status. Despite previous attempts to resolve this issue, XXXX XXXX XXXXXXXX continues to report my account as late and past due even after it has been charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates that furnishers of credit information report accurately.

Violation of FCRA and Intentional Misreporting Under the FCRA, furnishers are required to update and correct inaccurate information. XXXX XXXX  XXXX has knowingly failed to fulfill this obligation, engaging in misleading and damaging behavior. Reporting an account as late after it has been charged off creates ambiguity, which has materially impacted my creditworthiness and caused significant financial and emotional harm. 
The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, establishes that a furnishers failure to conduct a reasonable investigation after receiving notice of a dispute from a credit reporting agency violates the FCRA, making them liable for damages. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, highlights that ambiguous reporting tactics can result in willful noncompliance.

Prior Notifications and Inaction This is my third written dispute regarding this issue. Each time, your organization has acknowledged receipt but failed to resolve or rectify the situation in a timely manner, as required by the FCRA. Despite my documented efforts, XXXX XXXX  XXXX continues to report erroneous information, directly violating Federal Trade Commission guidelines on data furnishers. 
Demand for Compensation and Immediate Rectification Given the ongoing damage to my credit score, emotional well-being, and financial standing, I am seeking the following : Immediate correction of the account reporting to reflect its accurate status post-charge-off without indicating past due balances.

Compensation in the amount of {$5000.00} for noncompliance, negligent misrepresentation, and emotional distress as stipulated under XXXXXXXX XXXX XXXXXXXX. 
A written apology acknowledging the failure to comply with the FCRA and your legal responsibilities. 
Failure to comply within 10 business days will leave me no choice but to escalate this matter through formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and file a civil suit under the FCRA for damages. I expect prompt action to resolve this issue and avoid further escalation. 

Please send all responses to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX [ XXXX ] without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: VA

Complaint narrative:
I am writing to escalate an ongoing issue concerning unauthorized, fraudulent, and inaccurate information on my consumer report. Despite my repeated efforts to resolve this matter, the problem persists, causing me considerable distress and negatively impacting my life. 

I must emphasize that I am a victim of identity theft. The disputed information on my report was neither authorized nor consented to by me. Its continued presence is not only damaging but also a misrepresentation of my true credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Not accurate filing date and showing up as XXXX XXXX on XXXX and on Transunion XXXX XXXX too many errors and this is causing alot of issues for me I want this deleted off my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case or ID # Disposition Date Filed Type Filer Current Disposition XXXX Bankruptcy Filed XX/XX/XXXX Personal Individual Dismissed/Closed XXXX Asset Amount Exempt Amount Current Disposition Date Date Verified Date Reported Prior Disposition XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Filed ////// Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount 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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Not accurate filing date and showing up as XXXX XXXX on XXXX and on XXXX XXXX XXXX too many errors and this is causing alot of issues for me I want this deleted off my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case or ID # Disposition Date Filed Type Filer Current Disposition XXXX Bankruptcy Filed XX/XX/XXXX Personal Individual Dismissed/Closed XXXX Asset Amount Exempt Amount Current Disposition Date Date Verified Date Reported Prior Disposition XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Filed ////// Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount 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 2024-09-27 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: AR

Complaint narrative:
I was notified that my social security number had been exposed in several data breaches so I checked my credit reports and notice several accounts that I did not open that I listed on this report from XXXX XXXX XXXX ( there is XXXX closed accounts from this company ) XXXX XXXX XXXX XXXX XXXX ( XXXX closed accounts from XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there is a Bankruptcy on my reports that I did not do. Please remove these items asap.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I realized my bank account had been compromised with several dozen fraudulent transactions that were approved for timeline of XXXX weeks. I realized this upon logging into my online banking, not by an alert from bank. I opened up claim online through app, which immediately caused my account to be locked and debit card replaced. 
Claim number : XXXX Was initiated that day and I included the amount for over {$3000.00} dollars. It was only auto approved for {$44.00} dollars a week later. Upon calling Truist to follow up on XX/XX/XXXX since I had not received additional information, I was told that when you do claims through app that happens where all charges are not submitted. Also on this call the representative offered to redo claim. I allowed and went through each charge as listed. The second claim number : XXXX was opened on that day. Fast forward where I still have not received communication back, I called again on XX/XX/XXXX. On this day I spoke to another representative that stated the claim was denied due to me stating that I had never used the merchant before. Which is completely false, in fact the representative never asked me that question, I encouraged the rep to even open up an investigation on the recording as I know I wouldnt have stated that. The unauthorized charges came from XXXX and days before I had several authorized charges from them due to a family trip that was done completely by me. Further explaining this to representative, she stated she could send it up to be reviewed again with the information that the merchant is XXXX I use. Today XX/XX/XXXX again not hearing any communication back, I call to be given that the claim is still denied based on a question I was never asked. On charges I never authorized. From a bank that allowed duplicate charges and over a span of a week for my account to be depleted during a time of need. I am highly disappointed as I have been a Truist/BB & T member for over 10 years and never had any sort of fraud ever. The one time I do my banking institution is failing at addressing or doing a investigation. They havent stated that they found charges came from me at all, simply that because one representative put a no where it should have been a yes, that I am now at a loss of XXXX dollars I never spent. I do not recommend Truist for any serious financial dealings at it is clear they dont care when you are a victim to a scammer. I will be closing all XXXX of my Truist accounts in next several weeks to ensure that my bank institution is SECURE.

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 2024-09-27 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Subject : Red Light Camera Citations and Improper Collection Practices During State of Emergency To Whom It May Concern, I am writing to formally complain about the handling of red light camera citations and collection practices by the City of XXXX, XXXX XXXX XXXX XXXX XXXX and its associated collection agency : Linebarger Goggan Blair & Sampson, LLP XXXX XXXX, a red light citation issued to me but NOT was not mailed to me. As a result, I only recently discovered that my drivers license had been suspended. On Tuesday, XX/XX/XXXX, I paid over {$1300.00} in fines, {$260.00} in reinstatement fees, and an additional {$300.00} to renew my drivers license, tag, and registrationtotaling nearly {$2000.00}. Regardless of the cost, as a single mom I ensured that all matters were taken care of prior to the storms arrival. Working odd jobs in addition to my full time job, cutting corners and counting coins. I narrowly avoided being without a license during the storm, running to the DMV 24 hours prior to the all county office closures. 

During hurricane Helene, my family and I lost power several times and had to send out distress signals to FEMA. It was a terrifying situation for everyone, including my XXXX To make matters worse, XXXX XXXX XXXX, before the storm even left the city, I received a voicemail from Linebarger Goggan Blair & Sampson , LLP , a collection agency, claiming I owed an additional {$800.00} in citations and demanding immediate payment. I had already resolved these issues, as confirmed by the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ), which provided me with a letter of clearance allowing me to drive without restrictions. 

When I informed Linebarger of this, they insisted I submit proof, even though the burden of proof should fall on them as the collection agency. Their threats included suspending my license again, which would have criminalized any evacuation efforts during a state of emergency. This behavior is highly improper, especially during such a critical time. 

I feel completely taken advantage of by both the county and their collection agency, which tried to extort an additional {$800.00} from me after I had already paid my dues. This is not just poor service ; its predatory and unethical, particularly during a time of crisis. 

Unfortunately, the City Of XXXX XXXX continue to criminalize disenfranchised communities with red light cameras. XXXX Police Department will file traffic citations with the court instead of mailing the option of paying the lesser civil fines {$100.00}. XXXX XXXX clerk of courts will continue to use Lineberger as a collection agency. Individuals without proper guidance will fall for these intimidation tactics. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NJ

Complaint narrative:
My accounts 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 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 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 2024-09-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with Fair Credit Reporting Act : This creditor has violated my rights. 

Under 15 USC 1681 section 602 ; States I have right to my privacy.

15 USC 1681 section 604A section 2 ; Consumer reporting agency can not furnish my account without my written instruction.

15 USC 1666B. A credit agency should not treat a payment on an account XXXX XXXX XXXX XXXX XXXX XXXX under an open and consumer plan as late payment for any 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 explanation
Consumer complaint received 2024-09-27 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: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may inc
lude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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