vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
Dear TransUnion, I am writing to dispute several unauthorized credit inquiries appearing on my credit report. These inquiries were made without my consent, in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I had a conversation with the dealership and made it explicitly clear that I only wanted my credit application to be submitted to one bank. Despite their attempts to convince me that submitting it to multiple lenders would improve my chances of approval, I firmly declined, emphasizing my concern about accumulating multiple hard inquiries on my credit report. However, they disregarded my instructions and submitted my information to several lenders without my explicit authorization. 
I later reached out to the dealership for an explanation, but they were unable to provide a satisfactory response. Furthermore, they made no effort to address or rectify the issue, leaving me deeply disappointed with their handling of this matter. This violates FCRA requirements. The inquiries in question are as follows : 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> These inquiries were unauthorized and must be removed. Under 15 U.S.C. 1681i, I request an immediate investigation, verification, and resolution within the legally required 30-day period. Please confirm the removal of these inquiries or provide documentation demonstrating my explicit consent. Failure to address this matter adequately may result in legal a
ction under 15 U.S.C. 1681n and 1681o for noncompliance with the FCRA.

Thank you for your prompt attention.

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 2025-01-10 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive reached out to the company. They said I had an auto loan ask them for information to be sent. They never sent it and they gave me the runaround about the account when trying to get information. No one could give me what the amount is for what IIve reached out to the company. They said I had a auto loan ask them for information to be sent. They never sent it and they gave me the runaround about the account when trying to get information. No one could give me what the amount is for what its owed it for And the original creditor

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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
First the line of credit is deceiving and the billing cycle fee should be illegal. I took this out for XXXX. Paid XXXX and now owe XXXX. I was in a XXXX XXXX that left me XXXX XXXX XXXXXXXX  for two months with minimal income. I couldnt call or speak to anyone. Fast forward and I am out now I set up a payment plan with them. All is fine. 2 days later I get a message the payment plan is canceled and they want XXXX now. Woke up this morning to a 30 day late on my credit report after trying to make it right. No one can help and their practices should be illegal. The billing cycle fees are outrageous and are not clearly stated until after you receive the money. They want XXXX a month in payments on XXXX loan but I now owe XXXX for every cycle fee. Not to mention they will not work with you when making payment arrangements without tarnishing your credit. As a veteran for this country, I am ashamed we let companies get away with this and I am sure I am not alone in trusting this company when I shouldnt have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Between the month of XXXX and XXXX there was a natural disaster in NJ in 2018. During the incident major flooding and storms I lost my home. I called XXXX immediately prior to any due payment to apply for their natural disaster relief which halts payment and is in a payment plan in which repayment is made before the next months payment and the subsequent month is paid as well. I was told from their representative that that was added to my account to allow me time from the natural disaster. Everything was fine it didnt reflect any issues then I had a report of negatively impacted my credit it was XXXX  XXXX XXXX reflecting a late/non payment. As part of the program they assured me that it wouldnt negatively affect my credit as I was in that relief program. I called XXXX XXXX XXXX to inquire about why the issue had appeared and they stated they were unsure and were going to correct it. They didnt I called again each time I called I had a different agent and this agent said they cant and wont do anything. This has negatively impacted my credit and remains I have called XXXX Ive filed a complaint and I have tried to dispute the inaccuracy of that as it is still affecting me. As part of the program they informed me that I didnt have to do anything and that with me calling and applying and providing information of the disaster and how it impacted me which I did over the phone and they were able to confirm. Now I have an issue where it shows 30 days late for the disaster month and no data when I paid on time per the disaster relief and I paid the next month prior as that month was not part of the payment relief so that was paid on time and all the months thereafter. My credit I have not had any late payments and I was part of their relief program as explained by their representative and it appeared on my fore account as well on my account portal. Now I dont have access since it was paid off they refuse to acknowledge the issue or correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I am being held responsible for an {$870.00} for a XXXX  collection that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These accounts are inaccurate on my credit report I would like them to be removed immediately if possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-10 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: CA

Complaint narrative:
What Happened : 1. XXXX XXXX  XXXX Reporting Error : In XX/XX/XXXX, I attempted to modify my autopay settings to ensure timely payment, but XXXX mobile app misrepresented the status of my payment as successful. This was incorrect due to insufficient funds, and I was not notified of the failed transaction until weeks later. 
Upon discovering the issue, I immediately made a manual payment on XX/XX/XXXX, covering the missed XXXX payment and bringing my account current. Despite this, XXXX reported my XXXX payment as 30+ days late to the credit bureaus. 
I provided evidence, including app screenshots showing the misleading payment confirmation, communication records, and proof of my immediate corrective actions. XXXX has repeatedly refused to acknowledge the apps technical failures or correct the reporting. 
XXXX Credit Bureaus Failure to Investigate : I submitted disputes to XXXX XXXX TransUnion XXXX and XXXX XXXX However, none of the bureaus conducted thorough investigations, as they simply deferred to XXXX inadequate responses. 
Despite the detailed evidence provided, all three bureaus returned the same unsatisfactory results, with no changes to my credit report. 

Why This is an Issue : This late payment report is inaccurate and has negatively impacted my credit score and financial standing. 
The failure of XXXX to address the issue and the lack of proper investigation by the credit bureaus have compounded the harm caused by this error. 

My Actions : I have submitted disputes to XXXX and all three credit bureaus and provided substantial evidence, including screenshots and communication records, to support my claim. 
XXXX has dismissed my concerns, and the credit bureaus have failed to properly investigate the 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 2025-01-10 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: CA

Complaint narrative:
What Happened : XXXX. XXXX XXXX  XXXX Reporting Error : In XX/XX/XXXX, I attempted to modify my autopay settings to ensure timely payment, but XXXX mobile app misrepresented the status of my payment as successful. This was incorrect due to insufficient funds, and I was not notified of the failed transaction until weeks later. 
Upon discovering the issue, I immediately made a manual payment on XX/XX/XXXX, covering the missed XXXX payment and bringing my account current. Despite this, XXXX reported my XXXX payment as 30+ days late to the credit bureaus. 
I provided evidence, including app screenshots showing the misleading payment confirmation, communication records, and proof of my immediate corrective actions. XXXX has repeatedly refused to acknowledge the apps technical failures or correct the reporting. 
XXXX Credit Bureaus Failure to Investigate : I submitted disputes to XXXX XXXX XXXX XXXX and Equifax XXXX However, none of the bureaus conducted thorough investigations, as they simply deferred to XXXX inadequate responses. 
Despite the detailed evidence provided, all three bureaus returned the same unsatisfactory results, with no changes to my credit report. 

Why This is an Issue : This late payment report is inaccurate and has negatively impacted my credit score and financial standing. 
The failure of XXXX to address the issue and the lack of proper investigation by the credit bureaus have compounded the harm caused by this error. 

My Actions : I have submitted disputes to XXXX and all three credit bureaus and provided substantial evidence, including screenshots and communication records, to support my claim. 
XXXX has dismissed my concerns, and the credit bureaus have failed to properly investigate the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
What Happened : XXXX. XXXX XXXX  XXXX Reporting Error : In XX/XX/XXXX, I attempted to modify my autopay settings to ensure timely payment, but XXXX mobile app misrepresented the status of my payment as successful. This was incorrect due to insufficient funds, and I was not notified of the failed transaction until weeks later. 
Upon discovering the issue, I immediately made a manual payment on XX/XX/XXXX, covering the missed XXXX payment and bringing my account current. Despite this, XXXX reported my XXXX payment as 30+ days late to the credit bureaus. 
I provided evidence, including app screenshots showing the misleading payment confirmation, communication records, and proof of my immediate corrective actions. XXXX has repeatedly refused to acknowledge the apps technical failures or correct the reporting. 
XXXX Credit Bureaus Failure to Investigate : I submitted disputes to Experian XXXX XXXX XXXX and XXXX XXXX However, none of the bureaus conducted thorough investigations, as they simply deferred to XXXX inadequate responses. 
Despite the detailed evidence provided, all three bureaus returned the same unsatisfactory results, with no changes to my credit report. 

Why This is an Issue : This late payment report is inaccurate and has negatively impacted my credit score and financial standing. 
The failure of XXXX to address the issue and the lack of proper investigation by the credit bureaus have compounded the harm caused by this error. 

My Actions : I have submitted disputes to XXXX and all three credit bureaus and provided substantial evidence, including screenshots and communication records, to support my claim. 
XXXX has dismissed my concerns, and the credit bureaus have failed to properly investigate the 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-10 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: NC

Complaint narrative:
I recently checked my credit report and I noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent 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 explanation
Consumer complaint received 2025-01-10 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: PA

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