vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: SC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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!

Update 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 2024-11-25 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: SC

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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!

Update 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 2024-11-26 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and urgent demand regarding the unauthorized, inaccurate, and illegally obtained information on my credit report related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

It has come to my attention that XXXX XXXX XXXX XXXX XXXX has paid for access to my personal information, which constitutes a gross and unacceptable violation of my privacy rights. This practice is not only illegal but also unethical. Without my consent or a legally binding agreement, any use of my personal data is a blatant breach of privacy and federal law. 

Who authorized this? Who are you to allow such blatant misconduct? I have no contractual relationship with XXXX XXXX XXXX XXXX XXXX, and they can not provide any legitimate documentation to prove otherwise. How can you verify something that has no legal basis? Your continued reporting of this inaccurate and illegally obtained information is reckless, harmful, and completely unjustifiable. 

I know you can care less about this because it isnt happening to you, but your inaction is actively obstructing my ability to purchase a home and jeopardizing my financial stability. Your actionsor lack thereofare not only negligent but dangerous. 

Let me be perfectly clear : You and XXXX XXXX XXXX XXXX XXXX are complicit in violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This will not be ignored. 

I demand the following actions be taken immediately : XXXX. Complete removal of all entries related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report. 
2. A formal investigation into how my personal information was accessed, sold, and used without my consent. Provide written documentation of your findings.

3. Written confirmation of compliance with these demands within 24 hours of receiving this notice.

Failure to comply will leave me with no choice but to take further legal action. I will work with my attorney to pursue all available remedies, including but not limited to financial damages and penalties for your violations of federal law. I will also ensure this misconduct is exposed publicly.

This is your final warning. You now have 24 hours to act and provide proof of resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from US Bank threatening me over a negative balance in a checking account. ( XX/XX/XXXX, seperate from the letter they sent in XXXX. This is a separate incident, and not a resubmission of a previous complaint. ) I have no access to the banking system. My previous account was locked, and XXXX XXXX XXXX XXXX XXXX were lost. XXXX XXXX threatened to arrest me when I went to a branch to try to unlock the account, and they filed a false police report where the woman told them I was XXXX XXXX XXXX XXXX XXXX XXXX. FBI came to my house to harrass me as well and they are illegally censoring my ability to speak on what I witnessed on social media. I am a witness to a XXXX XXXX XXXX XXXX  Do not contact me again. This account is part of the XXXX bankruptcy estate. Contact XXXX XXXX XXXX XXXX for everything. Do not contact me again. I have no desire to do any business with an american financial institution for the rest of my life. Those responsible should face a 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 2024-11-25 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:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-11-26 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: FL

Complaint narrative:
PERSONAL STATEMENT - CFPB I am writing to dispute fraudulent information on my credit report under 15 U.S.C. 1681c-2 and request that this information be blocked. I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my claim of identity theft. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block the identified fraudulent information within four business days.

The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/2024 As required by law, this information should be blocked for one year, at which point I may request an extension of the block. During the block period, you are prohibited from reporting these accounts unless you have verified that my report no longer contains fraudulent information.

I have contacted the credit bureau multiple times to report these fraudulent accounts, but no resolution has been provided. This has severely impacted my ability to purchase a home for my children. It is especially concerning that other credit bureaus have removed these collections after determining they were fraudulent, yet this bureau continues to claim that these accounts belong to me. 
Additionally, I have requested contracts from the company in question that supposedly opened these accounts using my information. Despite more than 60 days passing, I have not received any response. This lack of action further supports my claim that these accounts are not legitimate. 
I respectfully request your immediate assistance in deleting these accounts and any related inquiries from my credit report. I have enclosed the FTC report for your reference and trust that this matter will be handled with urgency. 
RESOLUTION REQUESTED : Please delete these fraudulent accounts and inquiries immediately. 
Thank you for your time and attention to this matter. 
Sincerely, 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 2024-11-26 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: FL

Complaint narrative:
PERSONAL STATEMENT - CFPB I am writing to dispute fraudulent information on my credit report under 15 U.S.C. 1681c-2 and request that this information be blocked. I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX  ) to support my claim of identity theft. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block the identified fraudulent information within four business days. 
The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX INQUIRIES : XXXX XX/XX/2024 As required by law, this information should be blocked for one year, at which point I ma

y request an extension of the block. During the block period, you are prohibited from reporting these accounts unless you have verified that my report no longer contains fraudulent information.

I have contacted the credit bureau multiple times to report these fraudulent accounts, but no resolution has been provided. This has severely impacted my ability to purchase a home for my children. It is especially concerning that other credit bureaus have removed these collections after determining they were fraudulent, yet this bureau continues to claim that these accounts belong to me. 
Additionally, I have requested contracts from the company in question that supposedly opened these accounts using my information. Despite more than 60 days passing, I have not received any response. This lack of action further supports my claim that these accounts are not legitimate. 
I respectfully request your immediate assistance in deleting these accounts and any related inquiries from my credit report. I have enclosed the FTC report for your reference and trust that this matter will be handled with urgency. 
RESOLUTION REQUESTED : Please delete these fraudulent accounts and inquiries immediately. 
Thank you for your time and attention to this matter. 
Sincerely, 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 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX, is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I was included in an email with the insurance agent the mortgage company chose. The mortgage closer asked the agent to set up insurance and gave her my indentification, property address and the coverage I needed. The agent provided an EOI dated XX/XX/XXXX. I closed on my home XX/XX/XXXX and I did not have insurance. On XX/XX/XXXX I attempted to file an insurance claim on the insurance listed on the EOI and I was told by the agent I did not have coverage at all. The mortgage company failed to validate the coverage, failed at requesting a declaration page and put my identity at risk. The mortgage company was fully aware that this agent had already committed fraud to another client in XXXX. They still continued to put clients at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

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 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 2024-11-25 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-26 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-26 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: MO

Complaint narrative:
My identity was stolen some years back in XXXX I use my married name now because of this reason. 

XXXX XXXX XXXX. Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/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