vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the accuracy of late payment entries reported by XXXX XXXX XXXX on my credit report, as permitted under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reporting of late payments for a duration of 21 months. 

The details of the account in question are as follows : - **Creditor Name** XXXX XXXX XXXX XXXX  XXXX **Account Number** : XXXX - **Disputed Late Payment Dates** : XX/XX/XXXX - XX/XX/XXXX I believe these late payment entries are inaccurate due to timely payments made, payment arrangements. Under the FCRA, consumers have the right to dispute information that is inaccurate or incomplete, and I am exercising that right. 

I have attached supporting documentation that substantiates my claim, including relevant documents, such as payment records, correspondence with XXXX XXXX XXXX. 

I kindly request that you conduct a thorough investigation into this matter and remove the inaccurate late payment entries from my credit report. Additionally, I would appreciate receiving a copy of my updated credit report once the investigation is complete. 

To assist in processing my request, my personal details are as follows : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Current Address XXXX XXXX XXXX XXXX XXXX 

If you require any additional information to facilitate this investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response regarding the investigation of my dispute. 

Sincerely, 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 2024-12-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the accuracy of late payment entries reported by XXXX XXXX XXXX on my credit report, as permitted under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reporting of late payments for a duration of 21 months.

The details of the account in question are as follows : - **Creditor Name** : XXXX XXXX XXXX XXXX XXXX*Account Number** : XXXX - **Disputed Late Payment Dates** : XX/XX/XXXX - XX/XX/XXXX I believe these late payment entries are inaccurate due to timely payments made, payment arrangements. Under the FCRA, consumers have the right to dispute information that is inaccurate or incomplete, and I am exercising that right. 

I have attached supporting documentation that substantiates my claim, including relevant documents, such as payment records, correspondence with XXXX XXXX XXXX. 

I kindly request that you conduct a thorough investigation into this matter and remove the inaccurate late payment entries from my credit report. Additionally, I would appreciate receiving a copy of my updated credit report once the investigation is complete. 

To assist in processing my request, my personal details are as follows : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXXXXXX  - Current Address : XXXX XXXX XXXX XXXX 

If you require any additional information to facilitate this investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response regarding the investigation of my dispute. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the accuracy of late payment entries reported by XXXX XXXX XXXX on my credit report, as permitted under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reporting of late payments for a duration of 21 months. 

The details of the account in question are as follows : - **Creditor Name** : XXXX XXXX XXXXXXXX XXXX XXXXAccount Number** : XXXX - **Disputed Late Payment Dates** : XX/XX/XXXX - XX/XX/XXXX I believe these late payment entries are inaccurate due to timely payments made, payment arrangements. Under the FCRA, consumers have the right to dispute information that is inaccurate or incomplete, and I am exercising that right. 

I have attached supporting documentation that substantiates my claim, including relevant documents, such as payment records, correspondence with XXXX XXXX XXXX. 

I kindly request that you conduct a thorough investigation into this matter and remove the inaccurate late payment entries from my credit report. Additionally, I would appreciate receiving a copy of my updated credit report once the investigation is complete. 

To assist in processing my request, my personal details are as follows : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Current Address : XXXX XXXX  XXXX XXXX. 

If you require any additional information to facilitate this investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response regarding the investigation of my dispute. 

Sincerely, 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 2024-12-18 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: TX

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they are there. I routinely checked my credit report, but this time I noticed discrepancies that seemed to come out of nowhere. I even refreshed my browser thinking it might be a technical glitch, but the unauthorized inquiries remained. I am deeply frustrated by this and urgently request a thorough review of the documents Ive provided to resolve this issue and give me peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
Subject : Request for Blocking and Deleting Inquiry Due to Data Breach I am writing to formally request the blocking and deletion of the following inquiry from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that this inquiry be removed from my credit file : Inquiry to be blocked and deleted : 1. XXXX XXXX XXXX o Date of Inquiry : XX/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 non-monetary relief
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
Subject : Request for Blocking and Deleting Inquiry Due to Data Breach I am writing to formally request the blocking and deletion of the following inquiry from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that this inquiry be removed from my credit file : Inquiry to be blocked and deleted : 1. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: MA

Complaint narrative:
Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to the information in my public records maintained by your organization. Specifically, I ask that my current phone number be added or updated to ensure my profile reflects the most accurate information. 

Phone Number to Update : XXXX I have attached documents verifying my identity and confirming my current phone number for your review. Should you require any additional information or documentation to proceed, please let me know, and I will promptly provide it. 

I kindly request that this update be processed as soon as possible, and I would appreciate receiving confirmation once the changes have been made. 

Thank you for your attention to this matter. If you need to reach me for further details or clarification, please contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: 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 attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and delete any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted TRANSUNION several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: 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 attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and delete any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted TRANSUNION several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I send money to an overseas VA for our business. I use the app to do so. On XX/XX/XXXX I sent {$660.00} which included {$4.00} fee. When I hit the submit button, Paypal said there was an error and it could not be completed. I tired a few times before stopping. It would not go through. I ended up logging on to Paypal with my laptop to try that way vs the app. I was successfully able to send the money as intended. I later found out that Paypal sent that payment 4 separate times even though it stated there was an error and the transaction could not be completed. I tried to have the recipient send the funds back and it ended up charging me {$840.00} in fees to do so. I feel this is not my fault that their website was incorrect and charged me multiple times. I have contacted Paypal and they said the transaction was successfully sent. They are missing the point that only one payment should have been sent and they are denying my claim. I feel this is unfair. My history of sending to this recipient shows I only send one payment every two weeks. I did not initiate four payments for the same amount all within seconds of each other. The total amount sent in error was {$2000.00}. I received {$1800.00} back because of the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-18 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 sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-12-18 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: IL

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-12-18 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:
When I checked my credit report this morning, I was shocked to see inaccurate accounts listed there. I dont understand how this could have happened. Ive been checking my report routinely, and nothing like this has ever occurred before. I even tried refreshing the page, hoping it was just an error or a glitch, but it wasnt. The inaccurate accounts didnt disappear. Im begging for a thorough review of the documents Ive sent because I cant keep living with this 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 2024-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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