vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX 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 those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: UT

Complaint narrative:
I have reviewed a copy of my credit report and I have found fraudulent inquiries on my report. Please remove this fraudulent inquiries from my credit report. They are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
I recently checked my credit report and noticed that there were accounts reporting that I do not recognize. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
I recently checked my credit report and noticed that there were accounts reporting that I do not recognize. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: Affirm Holdings, Inc
State: AL

Complaint narrative:
602 right to privacy 15usc 1681 section 604 A section 2 consumer reporting agency can not furnish account without written instructions.

15 usc 1666b a creditor may not treat a payment under credit card as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: MI

Complaint narrative:
MicroBilt continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and MicroBilt has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXX, MI XXXX there should be no other addresses listed in my 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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from NCB Management Services with account number XXXX which is attempting to collect a debt from me. I have never entered into an agreement or a contract with NCB Management Services which makes this a fraudulent account. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from NCB Management Services to cease and for this account to be deleted immediately.

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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NJ

Complaint narrative:
I am initiating a dispute and investigation as these accounts are wrongly listed on my credit file. Under the Fair Credit Report Act, I should get {$1000.00} per incorrect report. FCRA 605B obliges us to report any false accounts on a consumer 's 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: U.S. BANCORP
State: LA

Complaint narrative:
CFPB complaint for Elan Financial Services violating your Fair Credit Billing Act ( CFPB ) rights : I am filing a complaint against Elan Financial Services for violating my rights under the Fair Credit Billing Act ( CFPB ). 

Identify the account number associated with Elan Financial Services. 
Im having issues with Elan Financial Services is not responding Elan Financial Services or violating specific CFPB violations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( b ) ). 
Ive requested a 1099C and that Elan Financial Services following the CFPB guidelines, I sent out a dispute letter on XX/XX/year> Elan Financial Services has not responded to my dispute within the required 30 days allotted by Law and i haven't received any communication regarding the investigation. 

Briefly state what you would like the CFPB to do to help resolve the issue. 
You can request the CFPB to investigate Elon Financial Services ' handling of your dispute and ensure they comply with the CFPB Thank the CFPB for their time and assistance. 
5. Attach Documentation I am filing a complaint against ELAN Financial Services for violating my rights under the Fair Credit Billing Act ( FCBA ). My account number is [ XXXX ]. 
On [ XX/XX/year> ], I disputed [ XXXX XXXX # XXXX ] with Elon Financial Services in writing. I believe this violates the FCBA sections 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( b ) as the charges are inaccurate. 
To date XX/XX/year>, I have not received any response from Elan Financial Services regarding my dispute, even though it has been more than 30 days since I submitted it. 
I request that the CFPB investigate Elan Financial Services ' handling of my dispute and ensure they comply with the CFPB Thank you for your time and assistance. 

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 non-monetary relief
Consumer complaint received 2024-06-14 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:
To : Experian and XXXX XXXX : Unauthorized Credit Inquiries. Trademark infringement for lacking permissible purpose to access and furnish my copyright and trademark protected intellectual property.

To Whom It May Concern, This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission.

As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRAs maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record.

I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a \'permissible purpose\ ' ( see specifically 1681s-3 ( b ) ).

I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX XXXX ), payable to the name listed above. 

Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA.

Your timing is crucial so I would greatly appreciate a response from you within XXXX ( XXXX ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 

Sincerely, 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 2024-06-13 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: PA

Complaint narrative:
Dear TransUnion LLC, I am writing to formally demand arbitration regarding a dispute with your company concerning inaccuracies on my credit report. Despite my attempts to resolve this matter through your standard dispute process, the issue remains unresolved. 

**Details of the Dispute : ** - **Name : ** [ XXXX XXXX XXXX XXXX XXXX XXXX **Address : ** [ XXXX XXXX XXXX. XXXX, PA XXXX ] - **Date of Birth : ** [ XX/XX/XXXX ] - **Dispute Reference Number ( if applicable ) : ** [ Reference Number ] - **Social Security Number : ** [ XXXX ] - **Description of the Dispute : ** On [ XX/XX/XXXX ], I discovered that my credit report contains inaccurate information, specifically : - [ Description of Error # XXXX ] ( e.g., Fraudulent account status for account number XXXX ) I have previously submitted disputes on [ XXXX XXXXXXXX, XXXX ] through [ method : online, certified mail, phone ], and the responses have been inadequate. Enclosed are copies of my previous dispute letters, responses from TransUnion, and any supporting documentation. 

On XX/XX/XXXX I have Proof & documentation that you deleted this fraudulent item from my report based off of the supporting documentation you requested I provide : FTC report, social security card, proof of address. 

On XX/XX/XXXX, TRANSUNION started reporting this fraudulent item again after they deleted it. I called TRANSUNION informing them and requested them to delete it again and block it according to my FCRA rights of accurate reporting, TRANSUNION refused. 

On XX/XX/XXXX @ XXXX I spent 45 minutes explaining to XXXX from the special services department that TRANSUNION responded to a CFPB complaint on XX/XX/XXXX that the fraudulent item was deleted and that as of XX/XX/XXXX. XXXX from special services department stated that even though the TRANSUNION deleted this fraudulent about & its reappearing, shes refusing to remove the item as I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: GA

Complaint narrative:
I recently updated my credit report and saw accounts reporting that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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:
I am challenging these accounts for being inaccurately reported on my credit file and requesting an investigation. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report. I know FCRA 605B requires us to report any inaccuracies in consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: KY

Complaint narrative:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence ( XXXX ) XXXX XXXX. [ XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. 1. XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 7. [ XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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