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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Thank you for correcting some of the errors in my credit information. However, there remains an account that needs to be addressed and removed. This new complaint concerns incorrect information in my credit report. The account I am disputing is unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove the erroneous items from my credit file due to these inaccuracies. The specific items are : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are still inaccurate accounts that keep showing up on my credit report. Please check the documents I've included regarding this matter.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE ARE STILL THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I don't know why but I want it removed so please checked the documents I've sent.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE ARE STILL THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I don't know why but I want it removed so please checked the documents I've sent.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THERE ARE STILL THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I don't know why but I want it removed so please checked the documents I've sent.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I went to a branch of Bank of America in XXXX XXXXXXXX XXXX  and deposited a business check for {$3700.00}. via a bank teller. The deposit was made correctly and I received a receipt from the teller. Then later in the day I received an email from Bank of America that a hold had been put on my deposit because they " had information the funds may not be collectible '' No other explanation was given and I was not able to get any explanation via the company website or by calling their help number ( after thirty minutes on hold I was disconnected ). 

It is obnoxious and unbusinesslike and stupid for a bank to put a hold on someone's sizable deposit to their business checking account for an indefinite period without explanation. I called the client who had submitted the check to me and he could find no explanation via his own bank account either. As of today the funds still have not been released. 

The account is for a part-time business of mine called XXXX XXXX  XXXX and the account number is XXXX XXXX XXXX In my 20+ years of having a BOA account it has been one idiotic thing after another with this bank 's poorly-trained employees.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THERE ARE STILL THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. WITH THAT IN MIND, PLEASE CHECK THE DOCUMENTS I'VE INCLUDED IN REGARDS TO THIS MATTER

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: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE ARE STILL THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. WITH THAT IN MIND, PLEASE CHECK THE DOCUMENTS I'VE INCLUDED IN REGARDS TO THIS MATTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On Saturday XX/XX/XXXX, I visit the ATM inside the XXXX at XXXX XXXX XXXX XXXX, I try to deposit two XXXX XXXXXXXX bills. The ATM did not deposit it into my account. I talked to a banker who submitted a request to have that corrected. Its been 4 business days and my funds are still not in my account. I called today, they said it could take 7-10 days. Thats not acceptable. It should not take that long to locate my funds. This is people money they are losing.

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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company 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: FL

Complaint narrative:
My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

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

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

( XXXX XXXX  ) 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 2024-07-12 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX

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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
I have a collection from contract callers which is affecting my personal credit I would like to request that this be removed from my credit report

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/year> Equifax removed late payment from my credit report advising no late payments for rocket mortgage and account is paid as agreed. I noticed this late payment was added back to my credit report. This information is fraudulent and needs to be REMOVED and not put back on my credit report or legal action will need to be taken. I attached the current credit report and the credit bureau response on the previous claim.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I am submitting an additional new complaint, with regards to the sudden appearance of this unknown account, that have not appeared in my credit report before. I am sure I have not made any authorization for such an account in my Equifax credit report. So am I asking if you could please check on this account for me : XXXX XXXX XXXXXXXX XXXX : {$1800.00}. Please note Im sending the attached letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to investigate and possible removal of this account, I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of this account in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Thank you for correcting some of the errors in my credit information. However, there remains an account that needs to be addressed and removed. This new complaint concerns incorrect information in my credit report. The account I am disputing is unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove the erroneous items from my credit file due to these inaccuracies. The specific items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding a violation of the Privacy Act by your organization. I recently obtained a copy of my credit report from your bureau and discovered that my personal information had been shared without my consent, which is a direct violation of my rights under the Privacy Act. 

Specifically, I found the following instances where my privacy had been compromised : 1. The amount of unauthorized Hard inquiries are in direct violation. Dates arranges from XX/XX/2022 until present. Names that are not my actual name is on the report and as well as addresses that are unmailable that I'm not associated with. I have reached out to each of the credit agencies about this matter and I've been ignored on multiple occasions I would like to emphasize that the Privacy Act is in place to protect individuals ' personal information and ensure its confidentiality. As a consumer, I have the right to expect that my personal data is handled with utmost care and only shared with authorized entities under appropriate circumstances. 

The unauthorized sharing of my personal information has raised significant concerns regarding the security and integrity of my credit report. It is imperative that your bureau takes immediate action to rectify this situation and prevent any further unauthorized disclosures.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding a violation of the Privacy Act by your organization. I recently obtained a copy of my credit report from your bureau and discovered that my personal information had been shared without my consent, which is a direct violation of my rights under the Privacy Act. 

Specifically, I found the following instances where my privacy had been compromised : 1. The amount of unauthorized Hard inquiries are in direct violation. Dates arranges from XX/XX/2022 until present. Names that are not my actual name is on the report and as well as addresses that are unmailable that I'm not associated with. I have reached out to each of the credit agencies about this matter and I've been ignored on multiple occasions I would like to emphasize that the Privacy Act is in place to protect individuals ' personal information and ensure its confidentiality. As a consumer, I have the right to expect that my personal data is handled with utmost care and only shared with authorized entities under appropriate circumstances. 

The unauthorized sharing of my personal information has raised significant concerns regarding the security and integrity of my credit report. It is imperative that your bureau takes immediate action to rectify this situation and prevent any further unauthorized disclosures.

Company response to consumer: Closed with non-monetary relief