vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
A collection removal request was made to all 3 credit bureaus. All but one successfully removed the collection from my report, TransUnion is the only one that did not remove the collection. As a result an application for financing was not successful due to a collection showing on my report. Upon realizing TransUnion did not remove the collection I proceeded to file a dispute. I later had a live chat informing TransUnion that my report had not been updated. I was told I needed to contact the collection agency. I did and they informed me a request for removal was made and also provided me with a confirmation of that request. I contacted TransUnion to give them the confirmation, informing them that the issue lies with them. They said there was nothing they could do and that it will be 30 days to complete the dispute. I informed them that there is no dispute, since it is merely TransUnion not removing the collection as requested by the collection agency. I got no where with the multiple live chats, so I called and spoke with a TransUnion rep who acted as if they were helping me. Due to me letting them know I am trying to get an apartment before the holiday and I dont want to be denied due to an error collection showing on my credit report. He said he made adjustments for it to be removed. I thanked him and got off the phone. I then received a secure message from TransUnion stating they have an additional 15 days to resolve my dispute due to new information received by me! This is unacceptable and despicable. I laid my heart out there trying to get someone to help me. I worked hard to improve my credit so I can move out on my own allowing my daughters to visit me for the holidays and this collection is preventing me from making purchases that would change me life.

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 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: U.S. BANCORP
State: FL

Complaint narrative:
Formal Demand for Statutory Damages for Violation of Florida Consumer Collection Practices Act. 

I am writing to bring to your attention a violation of the Florida Consumer Collection Practices Act ( FCCPA ), specifically, Section 559.72 ( 17 ), which prohibits communication with a debtor outside the hours of 8:00 a.m. to 9:00 p.m. without prior consent from the debtor. 

On XX/XX/XXXX, at XXXXXXXX XXXX., and on XX/XX/XXXX at XXXX XXXX., I received a payment reminder email regarding my account ending in XXXX. This communication was sent outside the legally permissible hours and without my prior consent, in clear violation of Florida law. 

Under the FCCPA, consumers are entitled to statutory damages of up to {$1000.00} per violation, in addition to compensation for any actual damages incurred. As a result of this unauthorized communication, I am formally requesting the following : Payment of statutory damages of up to {$1000.00}, as allowed under the FCCPA for each of these violations.

Immediate assurance that all future communications will adhere to the legal requirements set forth by the FCCPA.

Written confirmation that this violation has been acknowledged and addressed within 15 days of receiving this letter.

Failure to respond to this request within the specified timeframe will result in further action, including but not limited to filing formal complaints with the Florida Attorney General 's Office and/or pursuing legal action to seek statutory damages and any additional compensation for actual damages and attorneys fees.

I hope to resolve this matter promptly and amicably. Please confirm in writing that you will take the necessary steps to ensure compliance with the FCCPA going forward. 

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 2024-11-22 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. 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 sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .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 sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V )

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
In XX/XX/XXXX I had noticed a multiple fraudulent charges in my account with the merchant XXXX. I contact Chime to dispute and upon speaking with the agent there were charges steaming all the was to XX/XX/XXXX. The total of the dispute was over {$1300.00} in my checking and around {$350.00} from Chime secured credit card. My dispute was denied and the only info I was given to investigate was the intake form from when I made the initial claim. I even went as far as contacting the merchant and had a email thread explaining that was not my XXXX account and the last payment that was made in my account was in XX/XX/XXXX. When I went to appeal the denial I was asked by Chime why did I wait so long to dispute the charges? I responded that the charges went unnoticed because the amounts were very small and I must have not noticed them. I was denied again. I got more evidence that proved that the charges were fraudulent and all four of those appeals were denied, and I never received any documentation that was used to justify the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: PA

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
Subject : Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided. 

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on XXXX, along with certified tracking SEE ATTACHED UPLOAD for proof of delivery ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : XXXX. Account with XXXX XXXX # XXXX Opened XX/XX/XXXX {$1200.00} XXXX. Account with XXXXXXXX XXXX  # XXXX Opened XX/XX/XXXX {$1600.00} XXXX. Account with XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX {$680.00} XXXX. Account with XXXX XXXX. ACCT # XXXX Opened XX/XX/XXXX {$0.00} XXXX. Account with XXXX. ACCT # XXXX Opened XX/XX/XXXX {$820.00} XXXX. Account with XXXXXXXX XXXX. ACCT # XXXX Opened XX/XX/XXXX {$16000.00} XXXX. Account with XXXX XXXX XXXX ACCT # XXXX Opened XX/XX/XXXX {$0.00} XXXX. Account with XXXX  ACCT # XXXX Opened XX/XX/XXXX {$1100.00} XXXX. XXXX from XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX. XXXX from XXXX. XXXX Date XX/XX/XXXX XXXX. XXXX from XXXX. XXXX Date XX/XX/XXXX I have included a copy of my identity theft report from [ Police Department/FTC affidavit ] and all prior correspondence as proof of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ).

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary. 

I expect prompt written confirmation of the removal of these items within the next ten business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
It is my personal statement that the bankruptcy that I have listed here is fraudulent and needs to be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2 of the FCRA on clear grounds of identity theft. DELETE BANKRUPTCY : US BK CT-XXXX XXXX XXXX XXXX. This Bankruptcy keeps getting verified, if this keeps happening, I will have no choice but to seek legal Counsil in this matter as this NOT my account. 

PLEASE SEE ATTACHED IDENTITY THEFT 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 2024-11-22 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 recently reviewed a copy of my credit report. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-11-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my credit report there are several errors, which I reported online and by certified mail to all XXXX agencies as well as filed complaints with you which can be traced and nothing was done. I have also provided sealed letters and court certified letters and still it was not corrected. 1. My name which court letter was also provided is XXXX XXXX. 2. The child support account was paid on time and paid in full by XX/XX/year> and sealed certified letter was provided to you and all the agencies by the child support enforcement unit confirming my claim and all has been ignored and not corrected, even when I put the agencies on the phone with the agent to confirm that the infos were wrong and still shows. I do not have any negative history and yet for some reason this specific child support account shows late payments and etc, which is completely wrong and incorrect. The support account was court enforced and could not have had large or no payment because the court would not allow that, and it was paid and done with since XX/XX/XXXX. XXXX which my son turned XXXX at that point. This is just disgusting that I have provided everything and still shows all this nonsense. Also the payment history on my report is not at XXXX % because of all is nonsense. Again all documentation and court certified letters were sent to you and all the XXXX agencies by certified mail as well as online uploads.

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 2024-11-22 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: NY

Complaint narrative:
On my credit report there are several errors, which I reported online and by certified mail to all XXXX agencies as well as filed complaints with you which can be traced and nothing was done. I have also provided sealed letters and court certified letters and still it was not corrected. 1. My name which court letter was also provided is XXXX XXXX. 2. The child support account was paid on time and paid in full by XX/XX/year> and sealed certified letter was provided to you and all the agencies by the child support enforcement unit confirming my claim and all has been ignored and not corrected, even when I put the agencies on the phone with the agent to confirm that the infos were wrong and still shows. I do not have any negative history and yet for some reason this specific child support account shows late payments and etc, which is completely wrong and incorrect. The support account was court enforced and could not have had large or no payment because the court would not allow that, and it was paid and done with since XX/XX/XXXX. XXXX which my son turned XXXX at that point. This is just disgusting that I have provided everything and still shows all this nonsense. Also the payment history on my report is not at XXXX % because of all is nonsense. Again all documentation and court certified letters were sent to you and all the XXXX agencies by certified mail as well as online uploads.

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 2024-11-22 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: MI

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: DC

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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation