vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX Incorrect XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX PLEASE XXXX  THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCEEN REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLWING ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1. I WAS NEVER LATE ON THIS ACCOUNT PER 15 U.S. Code 1666b ( a ) Time to make payments A creditor XXXX 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 proced XXXX XXXX Account Number : XXXX Please remove alleged Late payment 2. I was never late on this account XXXX Account Number : XXXX I was never late on this account I demand you show me proof that I was every late with documents that supports these alleged late payments 3. I was never late on this account XXXX XXXX XXXX. 
Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed 4. I was never late on this account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed I WAS NEVER LATE ON ANY ACCOUNTS LISTED AND NEED YOUR HELP BY PROVIDING ME WITH DETAILED DESCRIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION BEING REPORTED ON MY CREDIT REPORT. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. 
I was never late on ANY ACCOUNT LISTED. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided inparagraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. 
XXXX Image not found or type unknown XXXX Image not found or type unknown XXXX Image not found or type unknown ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AND UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE

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 2024-07-05 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: FL

Complaint narrative:
Date of Birth : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCEEN REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. I WAS NEVER LATE ON THIS ACCOUNT PER 15 U.S. Code 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 proced XXXX XXXXXXXX Account Number : XXXX Please remove alleged Late payment 2. I was never late on this account XXXX Account Number : XXXX I was never late on this account I demand you show me proof that I was every late with documents that supports these alleged late payments XXXX. I was never late on this account XXXX XXXX XXXX. 
Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed 4. I was never late on this account XXXX XXXX XXXX XXXX Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed I WAS NEVER LATE ON ANY ACCOUNTS LISTED AND NEED YOUR HELP BY PROVIDING ME WITH DETAILED DESCRIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION BEING REPORTED ON MY CREDIT REPORT. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. 
I was never late on ANY ACCOUNT LISTED. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided inparagraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. 
XXXX Image not found or type unknown XXXX Image not found or type unknown XXXX Image not found or type unknown ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AND UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE

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 2024-07-05 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: NV

Complaint narrative:
I am writing to request the deletion of certain information in my file, as listed below. Unfortunately, I have fallen victim to identity theft and did not make these transactions. As a result, I am seeking to correct my credit report to reflect the accurate information. 
I have reported this incident to the Federal Trade Commission and have attached a copy of the XXXX XXXX XXXX provided by the FTC. I kindly request that you delete these items from my file as soon as possible to ensure the accuracy of my credit report. 
Please expedite this request, as I am eager to rectify this situation and protect my financial well-being.

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 2024-07-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy.

Despite our previous attempts to resolve this issue directly with XXXX XXXXXXXX XXXX , the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for 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 2024-07-05 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: NC

Complaint narrative:
My account with ( XXXX XXXXXXXX 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 XXXXSC 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 XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXXXXXX 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 2024-07-05 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: AR

Complaint narrative:
I filed for bankruptcy in XXXX of 2024. There were 5 credit cards total. I was never late on any of the payments. The credit bureaus show 4 30 day late payments and 4 60 day late payments. They have been disputed several times and not removed. I filed before the payments were due. Please have them by law on each bureau remove all 4 30 and 60 day late payments. Its seems one of the credit card companies did this in spite, due to the bankruptcy, which is illegal by law. Equifax should know better and has done nothing to remove them when requested several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: VT

Complaint narrative:
This lender approved a personal loan for {$30000.00} on XX/XX/XXXX. Loan agreements were signed. Prior to receiving any dispersement of funds, the lender required either a voided check ( which I don't have because I haven't used checks since XXXX ) or a bank verification letter. 

The latter took approximately XXXX weeks to acquire from my banking institution. In that time period, the lender deemed my account inactive (? ) and cancelled the loan. I discovered this when, after acquiring the verification letter, I was unable to upload the document in their web portal. 

I was instructed to reapply using the same portal and upon doing so I received ongoing Adverse Action notices that are entirely incorrect ( insufficient credit history even though I have XXXX  years credit history, insufficient credit score even though I have a XXXX score, etc... ). I have never received Adverse Action Notices until this personal loan was cancelled. 

These Adverse Action Notices are now appearing across all lenders even though they are inaccurate. I have contacted XXXX to check if there are any notices on my credit report and there are none. I have tried to resolve this with the lender directly for XXXX weeks. Their customer service representatives are unable to fix the problem on their end and can not /will not tell me the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # 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.

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 2024-07-05 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: IL

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXXXXXX 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 2024-07-05 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: IL

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: TN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NM

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