vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Last 4 of social : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Re : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX UPDATE TO OPEN AND NEVER LATE 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX PAID CLOSED NEVER LATE I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a AMEX gift card for the holidays, and every time I attempt to use it AMEX declines the charges. I have {$2000.00} on the card and it declined three separate purchases one for XXXX and a second for XXXX and a third for XXXX. It is extremely frustrating, because my parents purchased this for me and its like throwing their money away...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I was under the impression that I had set up a repayment plan with Sallie Mae, since I had last spoke with them in XX/XX/XXXX. On XX/XX/XXXX, I received a letter referring to Notice of Right to Cure Loan Delinquency. On XX/XX/XXXX, I called them on my lunch break ( around XXXX XXXX ), which is within their open hours, and it stated to call back during the hours they are available. I called them again that evening ( XX/XX/XXXX ), and when I was able to speak with someone, the resolution team was unavailable. 

On XX/XX/XXXX, I called back and spoke with them. They asked for my information like income and expenses and was told I had to get in touch with my cosigner for them to ask the same questions. When we tried calling him, he did not answer. During that time, I requested an income based repayment plan. They told me that they don't have income based payment plans. 

On XX/XX/XXXX, I attempted to call my cosigner to go through the same process. He did not answer ; I tried calling several times. I then reached out to Sallie Mae to request a repayment plan without speaking with the cosigner. The representative asked me the same questions as before. He asked how I was paying my bills with the income that I have, and I stated that I wasn't able to keep up with everything. He even stated that he saw 2 payments of the amount that is due on a monthly basis, and implied that I was lying to him about my expenses. I asked about options like an income based repayment plan, and he then again repeated that they would have to consider the information from my cosigner before making any decisions. 

It took about a year of searching to get the job I am in after graduating from college. I have a family, and I have been attempting to right-size payments in order to stay on top of my debt without having to put the entire financial burden of the family on my partner. When I try to resolve this with them, they defer and make broad statements about repayment calculations, but do not explain what they are looking for or offer any assistance on how we can resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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 would like to dispute these inaccurate accounts on my credit report. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-21 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: NY

Complaint narrative:
company XXXX XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ] that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : o What the money you say I owe is for : o Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : o Provide a verification or copy of any judgment if applicable : o Identify the original creditor : o Prove the Statute of Limitations has not expired on this account : o Show me the you are licensed to collect in my state : o Provide me with your license numbers and Registered Agent or Agent of Service :

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 2024-12-21 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Request for 1099-C for Canceled Debt I am requesting a 1099-C ( Cancellation of Debt ) form for an account that was charged off. The Capital One account in question was written off as uncollectible, but I have not received the 1099-C form, which I need for tax purposes and to address an ongoing legal issue. 

Account Information : The Capital One 360 account was charged off and written off as of XX/XX/year>. The balance at the time of charge-off was approximately {$330.00} Actions Taken : I have reviewed my records and confirmed that I did not receive the 1099-C form from the creditor. I am currently involved in a third-party lawsuit related to this account and require the 1099-C for tax reporting and legal purposes.I request that the 1099-C be provided as soon as possible so I can address the legal and financial implications of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year> my phone was lost and not in my possession, I reported the incident to my phone carrier that my phone was lost/stolen on the evening on XX/XX/year>. During that time someone made so unauthorized charges where they took out {$3300.00} out of my personal checking account by using XXXX XXXX on my phone device. Those are fraudulent charges that was made by someone that I dont know. Bank of America and XXXX XXXX are refusing to give me my money back. This is totally fraud, also after retrieving my phone I see Bank of America need to come up with a solution where they let scammers send short codes pretending to be Bank of America they have no security for their customers. This is a on going problem that is happening to a lot of my family and friends receiving short codes pretending to be Bank of America when theyre scammers. I explained to them that my phone was lost and the charges was not made by me. Also I believe this couldve been an inside job they had my debit card number and new the exact amount of money I had in my account.

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 monetary relief
Consumer complaint received 2024-12-21 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-21 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX, are erroneous and do not reflect my actual payment history. 
Nature of the Complaint : Inaccurate Reporting : The listed late payments are incorrect as I have consistently made my payments on time through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Credit reporting agencies and furnishers are required to ensure maximum accuracy in consumer files. The failure to correct these inaccuracies constitutes noncompliance with federal law. 
Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect information about payments may qualify as deceptive or misleading practices under the Fair Debt Collection Practices Act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act mandates accurate reporting of credit terms and histories. 
Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these provisions subjects the responsible parties to legal liabilities, including actual damages, punitive damages, and legal fees. 
Summary of Discrepancies TransUnion : Reported 30-day late payment for XX/XX/XXXX and 60-day late payment for XX/XX/XXXX. 
These are incorrect as the account history reflects consistent payments with no delinquencies. 
Requested Resolution : I request the following : Conduct a thorough investigation into the discrepancies on this account. 
Remove the inaccurate late payment entries from my credit file. 
Provide written confirmation of the corrections within 30 days, as required under 15 USC 1681i ( a ) ( 1 ) ( A ). 
Failure to comply with this request may result in further actions to enforce my rights as a consumer under federal law. Attached, you will find supporting documentation, including payment records and statements, to substantiate my claim. 
Thank you for your immediate attention to this matter. 
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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX, are erroneous and do not reflect my actual payment history. 
Nature of the Complaint : Inaccurate Reporting : The listed late payments are incorrect as I have consistently made my payments on time through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Credit reporting agencies and furnishers are required to ensure maximum accuracy in consumer files. The failure to correct these inaccuracies constitutes noncompliance with federal law.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect information about payments may qualify as deceptive or misleading practices under the Fair Debt Collection Practices Act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act mandates accurate reporting of credit terms and histories.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these provisions subjects the responsible parties to legal liabilities, including actual damages, punitive damages, and legal fees. 
Summary of Discrepancies TransUnion : Reported 30-day late payment for XX/XX/XXXX and 60-day late payment for XX/XX/XXXX. 
These are incorrect as the account history reflects consistent payments with no delinquencies. 
Requested Resolution : I request the following : Conduct a thorough investigation into the discrepancies on this account. 
Remove the inaccurate late payment entries from my credit file. 
Provide written confirmation of the corrections within 30 days, as required under 15 USC 1681i ( a ) ( 1 ) ( A ). 
Failure to comply with this request may result in further actions to enforce my rights as a consumer under federal law. Attached, you will find supporting documentation, including payment records and statements, to substantiate my claim. 
Thank you for your immediate attention to this matter. 
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 2024-12-21 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: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has resulted in unknown and inaccurate accounts appearing on my report. As a victim of identity theft, my personal information was used fraudulently, leading to these unauthorized accounts being listed. Following Experian 's instructions, I promptly filed an FTC Identity Theft Report and submitted it to address the issue. Despite this, the fraudulent accounts remain on my credit report, causing unnecessary distress and complications.

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