vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
My cars loan was XXXX it's incorrect on my credit report says {$17000.00}. 
My payment history is all incorrect, my credit score is ruined because of this credit company called Automotive credit corporation. My payment says I am still not up to date with my payments, I have like XXXX missed payments, but when I pay, it still doesn't show on my credit report, after reporting this to the credit bureaus, They said instead of the fill balance still owed I had only XXXX balance. This is still incorrect, how after 2 years and 7 months do I have this much still to pay off.

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 2024-07-12 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: MS

Complaint narrative:
I called to XXXX XXXXXXXX XXXX in XX/XX/year> requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.

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 2024-07-12 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: MS

Complaint narrative:
I called to XXXX XXXXXXXX XXXX  in XX/XX/2024 requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: MS

Complaint narrative:
I called to XXXX XXXXXXXX XXXX in XX/XX/year> requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.

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 2024-07-12 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: LA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: KS

Complaint narrative:
My account with ( XXXX XXXX XXXXXXXX ) 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 XXXX XXXX XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


( XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 non-monetary relief
Consumer complaint received 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
XXXX XXXX was never the initial debt XXXX for the debt that was owed. I was sent a letter by Capital Accounts LLC back in XX/XX/XXXX that I owed {$590.00}. I was never notified by XXXX XXXX by mail or phone about them taking over this collection, even then, I tried to dispute Capital Accounts LLC in XX/XX/XXXX because the insurance company already paid the original creditor the " debt '' that was owed with a check on XX/XX/XXXX which the original creditor claimed they spoke with the company and told them that the account is closed. In disputing this debt again, they reported to the disputing company that the amount was verified prior to actually verifying with the original creditor. I was told instead that they placed my account on hold after the fact ( of the dispute ) and are waiting for the original creditor to respond to them about verifying the amount owed.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My previous method of verification request on XX/XX/year> was ignored and I was sent dispute results ( letter attached for reference ) dated XX/XX/year> that state VERIFIED AND UPDATED. However, the method of verification information was not given upon request. Which is a violation of my rights. 

SEE ATTACHED LETTER FOR COMPLAINT DETAILS

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 2024-07-12 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: FL

Complaint narrative:
I just recently looked at my credit report on XXXX XXXX, i saw some hard in hard inquiries that did not have permissible purpose. I also attached the evidence. 

! XXXX XXXX XXXX XXXXXXXX XXXX XXXX The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX accept : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX XXXX XXXX XXXX XXXX inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX / XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX / XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX : XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B.

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 2024-07-12 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: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I had XXXX for XXXX on XX/XX/XXXX. XXXX accidentally denied my claim as filed by the XXXX. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to refile with XXXX as I did have coverage until XXXX. They did not. After months of asking and not getting anything done, XXXX XXXX XXXX turned my account to Synerprise Consulting for collection. After dealing with them with no results, they turned me over to XXXX. On XX/XX/XXXX, XXXX paid more than the amount on my account. I sent copies of XXXX  to all parties by email as requested. Today, XX/XX/XXXX, XXXX says my debt is verified as correct. I sent by certified mail the XXXX and a letter from XXXX to all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have called numerous of times and sent dispute letters asking them to remove addresses that doesn't belong to me & nothing has changed. their violating my privacy, I included bills for verification

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 2024-07-12 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: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My credit card was used fraudulently ( 2 ) with American Express. I reported the charges as soon as I noticed and they refused to issue me credit for the fraudulent transactions. I have not paid this debt as these are charges that are completely fraudulent. American Express has reported late payments to all ( 3 ) credit bureaus destroying my perfect credit history and lowering my XXXX score by 200+ points!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: OPORTUN FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX of XXXX I bought a car. After purchasing, I received an email from XXXX that my credit score was very low in XX/XX/XXXX. I looked at my credit report and saw a credit card that was past due from opportun web bank that was not my credit card/account. I never opened this card/account, did not know this card/account existed, and never have received any info on this card or account. I immediately took action with opportun web bank and my local police for identity theft and to have the account removed from my credit report. In XXXX of XXXX opportun approved that the account was identity theft and I was not responsible for it and it should be removed from my credit report. I am still fighting for it to be removed from XXXX  and XXXX even though every time I contact opportun they say that since XX/XX/XXXX they have said its not mine and should have been removed. I have 2 letters from opportun stating this too. It has been removed from XXXX. I believe my information was stolen during a data breach at XXXX state in spring of XXXX. Please remove this account from my credit report at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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:
XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a COLLECTIONS ACCOUNT opened by ABSOLUTE RESOLUTIONS INV on XXXX under the account number ( XXXX ), an collection originally owned by XXXXXXXX XXXX and sold to XXXX XXXX XXXX. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. 

Furthermore the collection company has made false reported attempts to actually investigate the original account. that in case was opened while i was incarcerated please see attached document proving me being incapable of opening the original account therefore invalidating their collection account.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a dispute through the CFPB. The complaint number is XXXX. Thirty days has passed, and I have not received any response. Equifax had thirty days to investigate my dispute and they have not verified the information as accurate in this time frame. Equifax is required to delete information that has not been verified within 30 days. Please delete the XXXX tradeline.

Company response to consumer: Closed with explanation