vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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:
I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-06-11 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 recently reviewed my credit report and noticed that an account was not reporting accurately. Specifically, ten late payments were recorded on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint, highlighting the inaccuracies on the following dates : XX/XX/year>. 

I am now requesting that you investigate this account and update these payments to reflect that they were paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-11 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed that an account was not reporting accurately. Specifically, ten late payments were recorded on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint, highlighting the inaccuracies on the following dates : XX/XX/2024. 

I am now requesting that you investigate this account and update these payments to reflect that they were paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
In early XXXX, my identity was stolen, and my corporate identity was used to apply and sign leases at multiple leasing companies in Florida. One of these companies was the XXXX, and has accrued a balance of {$10000.00} that is fraudulent. When I was first notified of this fraud, I submitted police reports in XXXX XXXX, and have since received additional noticed from then until now ( XXXX of XXXX ) regarding other balances ( including another fraudulent balance at a XXXX  XXXX XXXX XXXX for over {$9000.00} that XXXX XXXX has been attempting to collect ). I have filed reports through the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: RI

Complaint narrative:
The address is incorrect on my Experian 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 2024-06-11 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: FL

Complaint narrative:
Subject : Complaint Against Credit Bureaus for Not Removing XXXX Account from Credit Report Dear Sir/Madam , I am writing to formally lodge a complaint against the major credit bureaus for failing to remove a XXXX account from my credit report despite multiple disputes and clear evidence supporting my claim. This unresolved issue is severely impacting my creditworthiness and causing undue stress. 

Details of the Complaint : Account Information : Creditor : XXXX Debt Collector : XXXX XXXX XXXX XXXX : XXXX sold the aforementioned debt to XXXX XXXX XXXX. 
I paid the debt in full to XXXX XXXX XXXX. 
XXXX XXXX XXXX confirmed that they did not report the debt to any credit bureaus and assured me that they would ensure the removal of any related XXXX account entries from my credit report. 

Issues with XXXX XXXX : XXXX is still reporting the account as " potentially negative '' on my credit report. 
The report contains incorrect and incomplete information, including but not limited to : Improper payment history Incorrect date of settlement Missing details regarding the date of debt transfer and the recipient of the debt Lack of debt validation despite numerous requests Violations of Federal Law : The continued inaccurate reporting by the credit bureaus and Discover is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : The credit bureaus have failed to conduct a reasonable investigation into my disputes, as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : XXXX, as the furnisher of the information, is obligated to report accurate information and correct any errors in a timely manner. They have failed to meet this responsibility. 
15 U.S. Code 1681e ( b ) - Accuracy of report : Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have not adhered to this requirement.

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 2024-06-11 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:
Subject : Complaint Against Credit Bureaus for Not Removing XXXX Account from Credit Report Dear Sir/Madam , I am writing to formally lodge a complaint against the major credit bureaus for failing to remove a XXXX account from my credit report despite multiple disputes and clear evidence supporting my claim. This unresolved issue is severely impacting my creditworthiness and causing undue stress. 

Details of the Complaint : Account Information : Creditor : XXXX Debt Collector : XXXX XXXX XXXX Background : XXXX sold the aforementioned debt to XXXX XXXX XXXX. 
I paid the debt in full to XXXX XXXX XXXX. 
XXXX XXXX XXXX confirmed that they did not report the debt to any credit bureaus and assured me that they would ensure the removal of any related XXXX account entries from my credit report. 

Issues with XXXX XXXX : XXXX is still reporting the account as " potentially negative '' on my credit report. 
The report contains incorrect and incomplete information, including but not limited to : Improper payment history Incorrect date of settlement Missing details regarding the date of debt transfer and the recipient of the debt Lack of debt validation despite numerous requests Violations of Federal Law : The continued inaccurate reporting by the credit bureaus and Discover is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : The credit bureaus have failed to conduct a reasonable investigation into my disputes, as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : XXXX, as the furnisher of the information, is obligated to report accurate information and correct any errors in a timely manner. They have failed to meet this responsibility. 
XXXX XXXX XXXX XXXX ( b ) - Accuracy of report : Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have not adhered to this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NJ

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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.

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. List all accounts : XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>. TRUIST BANK reported a New Bank/Credit Card to my XXXX Credit File which I no way requested. I watch this regularly and found this issue timely. I started a dialog with Truist. I worked with an investigator who was professional but ultimately unable to resolve the issue. Each time I called I had a higher burden of identification, starting simple with address, name on account and so on. This escalated until ONLY my SSID and birthdate would suffice. Note also that they never provided me an account number only a partial one that they would never acknowledge. I explained as plainly as I could that I have no real idea who I am speaking to and not inclined to provide this highly confidential info while I am already a target of fraud. They indicated to have the activity removed they require a high burden of documentation including a police report. They would not help with this nor did they seem to acknowledge any responsibility. I finally agreed to do that and provided the information timely. That is when I made my final call to verify docs were received. What transpired next made me uncomfortable. During each call I got a notification that the call is being recorded. Not a problem, however, by now I have lost faith so I indicated to the agent at Truist that I am ALSO recording the discussion which I was. She indicated that while she is recording she can not continue the discussion if I am recording. At that point I told her we had reached an impasse, that I would not call back, and I disconnected the call. This activity is still on my credit report at this time. I firmly believe that this has something to do with the fact that if they can keep this on my report it won't end up on their report ( which is where it needs to be ). I wish I could attach the police report, however I sent it to truist and I am not inclined to retrieve another one.

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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NM

Complaint narrative:
This dispute happened with Chime mobile banking. On Saturday the XXXXXXXX XXXX XXXXXXXX my wallet was stolen from my car. They proceeded to use my card at XXXX for XXXX separate transactions. XXXX was for XXXX and the other was XXXX at XXXX and XXXX. I could not file the dispute until Monday XX/XX/XXXX when the transactions settled. They denied my dispute XX/XX/XXXX @ XXXX. Claim number XXXX. Despite that I had included my police report case number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-12 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

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 2024-06-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have complet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WV

Complaint narrative:
I am in receipt of the attached email from MOHELA dated XX/XX/XXXX. The email states that my XXXX of XXXX billing statement was not sent within 21 days prior to the due date. My due date was the XXXX of the month at the time of the applicable statement. I have attached my billing statement dated XX/XX/XXXX, for my XX/XX/XXXX, due date. I can confirm that per the attached .pdf, I did not receive my paperless electronic statement dated XX/XX/XXXX, on MOHELAs website until XX/XX/XXXX, which was less than the required 21 days. I can further confirm that {$220.00} was indeed extracted from my checking account through XXXX XXXX. The attached XX/XX/XXXX, email states that I have the right to request a refund in the amount of {$220.00} for the XXXX of XXXX payment and that a forbearance will be applied for that month. The month of XXXX of XXXX has already been determined by MOHELA to be an eligible and qualifying payment for the purposes of the XXXX XXXX XXXX XXXX XXXX ( PSLF ). Please see the attached payment tracker. I wish to request a refund in the amount of {$220.00} for the XXXX of XXXX payment. However, if my request will cause XXXX of XXXX not to be considered an eligible and qualifying payment for the purposes of the XXXX program, I do not wish to make such request. In other words, I only want a refund if XXXX of XXXX will still qualify for the XXXX program. My ID is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Received a collection letter on XX/XX/year>, responded on XX/XX/year> by sending back a disputing letter asking for supporting documents. I never heard back from them, however my credit report as of XX/XX/year> showed a collection from them regardless of my disputing response in writing. My credit report as of this day XX/XX/year> shows their collection.

Company response to consumer: Closed with explanation