vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported to be removed/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.

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!

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally express my frustration and dissatisfaction regarding my inability to access my Equifax online account to retrieve and review my credit report. For the past two years, I have encountered persistent issues logging into your website, preventing me from accessing important financial information. Despite my efforts to seek assistance from your technical support team, I have not received any response via phone or email. This lack of communication has been both disappointing and frustrating. To further assist in resolving this matter, I have taken the initiative to send in copies of my ID and social security card multiple times ; however, I still find myself unable to access my account. I kindly request that you investigate this issue as soon as possible and provide me with a solution that allows me to regain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-01-13 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: VA

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-13 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: PA

Complaint narrative:
While recently reviewing my Equifax credit report, I noticed that there are some inaccuracies on my credit report that should be removed. I see that the accounts referenced in this complaint have late payments that are reporting negatively and are affecting my credit score. I have sent a debt validation letter to Equifax back in XXXX asking them to provide me with the proper documentation for the listed accounts because they are not my accounts and are the result of identity theft and fraud. They have yet to provide me with this requested information and have since updated the accounts on my report in 2 days as if the accounts are mine. Equifax has falsely updated the listed accounts with late payments that are hurting my credit when in fact the accounts are not my accounts. Equifax has failed to conduct the proper investigation on my dispute request therefore please remove the following accounts from my credit immediately : XXXX XXXX  Acct # XXXX {$380.00} XXXX Bank Acct # XXXX {$150.00} All three of these accounts are not my accounts but are reporting late payments on my credit. I am a victim of identity theft, and these accounts were opened fraudulently therefore they should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Subject : Request for Validation of Debt Dear Customer Service, I am writing to formally request validation of the debt associated with the account number XXXX, which is listed as a collection account with a balance of {$780.00}. 

According to my records, this account was opened on XX/XX/XXXX, and is reported to be past due as of XX/XX/XXXX. To ensure that I have a complete understanding of my financial obligations, I would appreciate your assistance in providing the following information : 1. The original amount of the debt and any additional fees or charges that have been applied.

2. A copy of the original contract or agreement that outlines the terms of the debt.

3. Documentation that verifies your right to collect on this debt.

Please note that I am exercising my rights under the Fair Debt Collection Practices Act, specifically : - **15 USC 1692 ( d ) ( 2 ) ** : Prohibiting harassment or abuse.

- **15 USC 1692 ( g ) ( a ) ** : Requiring valida
tion of debts.

- **15 USC 1692 ( c ) ( a ) ** : Governing communication in connection with debt collection.

I would appreciate your prompt attention to this matter, and I kindly ask that you provide the requested information within 30 days of receipt of this letter. 

Thank you for your cooperation. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In midXXXX, I opened up an operating account and an IOLTA account with JP Morgan Chase Bank. I am an XXXX and an IOLTA account is where my client 's settlement funds are required by state law to be deposited. 

In lateXXXX XXXX, I deposited a {$25000.00} check representing a settlement obtain for one of my clients from XXXX XXXX into my XXXXOLTA account. I then wrote a check to my client to disburse his portion of the settlement check.

Without notice, Chase closed my IOLTA account, froze the check, and the settlement check I wrote to my client bounced.

I have spent countless hours on the phone with Chase attempting to unfreeze the check, reopen the account, or find some alternative solution. They offer none. They are holding onto mine and my clients money and a currently jeopardizing my law practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> was my most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-13 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: OK

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 non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-01-13 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Last month, I mailed some disputes to Trans Union and recently received a stall letter stating they didnt reinvestigate because they assumed somebody else sent them. Please help me with 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited my IRS check of {$8100.00} on XX/XX/year> in Truist bank in XXXX. I was told that there would be some available funds XXXX would be available immediately and the rest would be cleared within seven days. On the XXXX of XXXX, I went in to withdraw some funds and was told the account was closed due to suspicion of fraud. I called the fraud department and they informed me that they would have someone call me within two days. No one called. I went down to the bank and called several times approximately 10 times between calling and visiting the bank myself. I was told that they were still researching the check and waiting for a call from the IRS. I received one letter on XX/XX/XXXX explaining that they blocked my account. They did not give a reason I was informed on XX/XX/XXXX through mail that they blocked and closed my account it explains that they have the right to close it for any reason without advanced notice. I then received a deposit statement of XXXX  showing it was in an account sent to me when I went down to the bank with it. They said that I had been a victim of fraud and that the check was actually fraudulent after they spoke to the fraud department on the line With a bank representative and that there were no funds available at all. I wrote to the fraud department and asked for an explanation and a detailed timeline of events I never received an email back. I did however receive a phone call today, XX/XX/XXXX. She explained to me that it was not fraud. She doesnt know why they said that to me that they would be holding my funds in the vault until they heard from the IRS I am aware that the IRS is not call banks and verify things like this, I have begged for an explanation. This is left me in a very difficult situation. She then proceeded to tell me that they would call me when they heard from the IRS.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2025-01-13 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: LEXISNEXIS
State: NY

Complaint narrative:
There is a lot of incorrect information in my Lexis Nexis credit reports stemming from an identity theft issue. On XX/XX/XXXX I mailed a dispute letter to Lexis Nexis but have not received a reply so on XX/XX/XXXX I accessed my new Lexis Nexis report and none of the issues had been resolved. Please have Lexis Nexis DELETE the following issues ; INSURANCE POLICY RECORDS : XXXX XXXX XXXX ( XXXX number : XXXX ). This was a policy opened for XXXX vehicles, VIN number : XXXX, VIN number : XXXX, VIN number : XXXX, VIN number : XXXX, and VIN number : XXXX. This policy was not opened by me and I have no idea who the additional insured person by the name of XXXX XXXX XXXX is. This is fraudulent, please remove this entire policy and XXXX connected vehicles from my report. 

INSURANCE POLICY RECORDS : XXXX XXXX XXXX XXXX number : XXXX ). This was a policy I opened for 1 vehicles but, 3 additional vehicles were added to my policy without my authorization. Here is a list of the fraudulent vehicles. VIN number : XXXX, VIN number : XXXX, and VIN number : XXXX. This policy was opened by me but, I have no idea who the 3 added vehicles were or who the following additional insured people by the names of XXXX XXXX and XXXX XXXX are. This is fraudulent information, please remove the XXXX vehicles I listed and 2 additional people on this policy from my report.

AUTOMOBILE INSURANCE CLAIM RECORDS : Please remove both of these claims ( number XXXX and number XXXX ), I am not aware of any claims and in XXXX, these are fraudulent since I never filed any claims in XXXX and should be removed from my report. 

INQUIRY RECORDS : There are XXXX inquiries from XXXX XXXX in XXXX, I never submitted any applications to XXXX XXXX in XXXX, please remove these fraudulent inquiries. 

INCORRECT NAME : XXXX XXXX INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INCORRECT EMAIL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 non-monetary relief