vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: 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 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 that are reported 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 non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: 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 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 that are reported 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 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 2024-07-03 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: TX

Complaint narrative:
I am requesting that these accounts are immediately removed from my credit profile : Account Number : XXXX Creditor : XXXX DEPT OF EDUCATION Original Balance : {$4500.00} Balance : {$5000.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX/ DEPT OF EDUCATION Original Balance : {$6000.00} Balance : {$7800.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX/ DEPT OF EDUCATION Original Balance : {$5500.00} Balance : {$6100.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX/ DEPT OF EDUCATION Original Balance : {$5000.00} Balance : {$6300.00} Date Opened : XXXX Having incorrect information reporting on my credit profile that is misleading and inaccurate is a direct violation of FCRA 15 U.S.C 1681S-2 ( a ) ( 1 ) ( a ). 
This notice shows as a validation that this debt was discharged and should no longer be on any portion of my credit profile. Delaying the deletion or failing to do so is a direct violation of FCRA 15 U.S.C. 1681 Section 6 states, I have the right to privacy ( FCRA 15 U.S.C. 1681 Section 604a Section 2 ) states, a consumer reporting agency may not furnish a report without my written consent.

This serves as a notice that I have never given my written consent to have this information furnished in my report. I AM REQUESTING AN IMMEDIATE DELETION OF THIS INFORMATION!

Failure to properly discharge this debt from my personal credit profile will result in a submission of this report to Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General 's Office, Better Business Bureau ( BBB ), and law enforcement within the next FIFTEEN ( 15 ) days if this erroneous information is not expunged from my report.

Your immediate attention to this matter is required.

I have attached verification that these accounts have been discharged but are still reflecting as if they are active on my consumer profile. 

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 non-monetary relief
Consumer complaint received 2024-07-03 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: LEXISNEXIS
State: NY

Complaint narrative:
I request that you investigate and remove these two fraudulent Claims from my client 's lexisneixs CLUE report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. My privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of claims that needs to be removed : XXXX Records Date of claim XX/XX/XXXX XXXX of Claim : XX/XX/XXXX XXXX Date of Claim : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: IL

Complaint narrative:
Ive 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
IXXXX 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 XXXXXX/XX/year>

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 2024-07-03 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: NV

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 2024-07-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
While I was XXXX I had no access to the account overseas and tried to contact XXXX card services but they would not reply, they marked my account as 120 days late, once I got in touch with them gladly paid my balance and I myself requested to close the account yet on my credit report they claimed that they were the ones that closed the account. I did not cause them any misfortune and explained my situation yet they seemed to think I was causing this on purpose. They are my only bad remark on my credit report and I would like it removed as they provided a false report Twice.

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 2024-07-03 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: 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 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 that are reported 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 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 2024-07-03 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: SC

Complaint narrative:
To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  Account NumberXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-03 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: PR

Complaint narrative:
This account was charge off on the following date XX/XX/year> since then the account was repeatedly been updated as charge off every month. This is an update in the payment history. A Charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. XXXX failed to investigate the account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

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 2024-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I visited the XXXX. at XXXX XXXX in XXXX, XXXX for injuries sustained in an auto accident. I was not at fault and had to wait for the insurance companies to settle my claim. The outstanding physicians ( XXXX ) bill was {$790.00}. Collections attorney XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX obtained the debt, and I paid the negotiated total of {$550.00}. I have a ( XXXX ) receipt from XXXX XXXX XXXX stating that the account is paid in full and closed dated XX/XX/XXXX. On approximately XX/XX/XXXX I found that this debt was on my credit as a collections account by Cascade Capital Funding. I called and spoke with XXXX XXXX at XXXX XXXX XXXX in order to gain information as to why this happened and to get a digital copy of my receipt in order to send proof of payment. I sent an ( XXXX ) email to XXXX, the email address indicated by XXXX at XXXX XXXX XXXX. The collections account was removed from my credit. On XX/XX/XXXX I received a ( XXXX ) statement from Cascade Capital Funding indicating this debt was still owed. I took no action, as it was not on my credit. I received a call from XXXX at Cascade Capital Funding on XX/XX/XXXX and ( XXXX ) sent proof of payment to the email he provided, XXXX. On XX/XX/XXXX I received another ( XXXX ) letter from XXXX XXXX XXXX for the same debt. I took no further action at this time, as it was not reported to my credit. On XX/XX/XXXX I received a ( XXXX ) letter to pay the same debt by Cascade Capital Funding with the alternate name of XXXX XXXX XXXX. I took no action at this time, as it had not been reported to my credit yet. The debt appeared on my credit as a collection on approximately XX/XX/XXXX under the name of XXXX XXXX XXXX. It is currently on my report, and I am taking steps to dispute the debt with the credit bureaus. I am also filing complaints with the appropriate agencies. This harassment has impacted me both mentally and financially and I would like to resolve it. I have attached the documents indicated by XXXX. I have also included files named credit XXXX as proof of damages to my credit by this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ DATA INTERNATIONAL INC had accessed my personal information without my knowledge and created an account with that personal identifiable information. Additionally, IQ DATA INTERNATIONAL INC and I have no valid contract or agreement evidencing any indebtedness. I requested full accounting pursuant to the XXXX  XXXX laws and did not receive the required documentation within 14 days. Additionally, IQ DATA INTERNATIONAL INC is attempting to extort a daily amount of money in regards to this alleged debt in an attempt to collect on an alleged extension of credit. IQ DATA INTERNATIONAL INC is listing themselves as a creditor on my consumer credit report with full knowledge it has no valid contract or business dealings with me. 

As a result of these issues, my name has been slandered, I have experienced severe XXXX  and XXXX from these unfair and deceptive business practices engaged in the collection of an alleged debt by IQ DATA INTERNATIONAL INC. I found this information out through accessing my credit report. At no time has IQ DATA INTERNATIONAL sent me any notification of this alleged debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TN

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. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 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 explanation
Consumer complaint received 2024-07-03 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: MI

Complaint narrative:
I sent a few investigation request letters but never received any response back from the credit bureaus. This is a violation of my rights under the FCRA and FDCPA.

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