vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Frequently, if not monthly, I have to call the Credit Bureaus, incl. XXXX and TransUnion to request they update my credit score and/or data. 

Although, I am paying my bills on time and maintaining my credit utilization, and am mindful of other positive impacts, unfortunately, for the last 4 months XXXX and TransUnion have not updated my FICO credit score. 

This is causing me emotional distress, and potentially a financial hardship, because I am trying to secure financing for a car and would have to pay a higher interest if my credit scores are not reflecting changes. I do not own a car and am having to walk or pay for XXXX. Since I am laid off and medically ill, it would help me to secure financing to buy a small affordable car.

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 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My car got repossessed and now Ally Financial is saying that I owe more fees and they are not able to tell what the fees are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

I demand the late payment reported to be removed.

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.

TransUnion 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!

Delete 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Re : To correct/update my personal information To whom it may concern, Please see the attached My only legal name is XXXX XXXX XXXX XXXX. 
My only mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My only social security number is XXXX My only phone number is XXXX Please remove and correct all other variations of the above information XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that you have on my file for me at your agency because if not I may be Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
Hello and good day! There is erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-08-16 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have multiple transactions that were fraudulent adding up to XXXX dollars. My dispute was denied as these transactions were a similar pattern of other transactions. These transactions were not me. They were fraudulent. Its my VENMO debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I was trying to send crypto from my robinhood account to another wallet and it wouldnt let me saying theyve restricted my account. Now I cant even withdraw my money from the account and its just sitting theres for a long time now and every time I contact them they just say they are investigating and wont let me withdraw my funds. I dont care about the account anymore I just want my money back since its rightfully mine and they should not be holding my money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I tried to open an Equifax account on XX/XX/24 so I can easily freeze and unfreeze my credit score. During the registration process it gave me an error saying " We can't complete your enrollment at this time. Please call the Customer Care Team at XXXX. '' I tried two separate times and my second call I was on hold for XXXX minutes before giving up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
When trying to Freeze my credit with Trans Union, I continously get looped. It acts as if I need to reset my password OR need to lookup my user name, Every time, I think I am past authentication/verification of identity, it send me another temp code and llops me again

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 2024-08-16 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: MoneyLion Inc.
State: VA

Complaint narrative:
DISPUTED ACCOUNT AND COMPANY VIOLATED MULTIPLE LAWS Accuracy of Reporting ( Section 623 ) Obligation to Report Accurately : Creditors and debt collectors must report accurate information to credit reporting agencies. If an account has been charged off, it should be reported as such, and any remaining balance due should be accurately reflected. 
Updating Information : Under Section 623 ( a ) ( 2 ) of the FCRA, a creditor must correct any inaccuracies or incomplete information. If the account was charged off in XX/XX/XXXX, but the balance due is still being updated, THIS indicates inaccurate reporting. BALANCED UPDATED {$540.00} AS OF XX/XX/XXXX XXXX. Duty to Update ( Section 623 ) Account Status Updates : If an account is reported as charged off, the creditor is required to update the account status accordingly. The FCRA requires that if new information about the debt becomes available, it must be reported accurately and promptly. If the account is still being updated with a balance due, THIS suggest that the account status is not being accurately maintained. ACCOUNT REPORTED CHARGED OFF XXXX 3. Information Retention ( Section 605 ) Reporting Period : Negative information, including charge-offs, can remain on a credit report for up to seven years from the date of the original delinquency. However, once the account is charged off, it should no longer show ongoing balances or statuses that do not reflect the charge-off accurately. ACCOUNT STILL SHOWING BALANCE 4. Disputes and Consumer Rights ( Section 611 ) Dispute Process : You have the right to dispute any inaccurate information on your credit report. If an account is incorrectly updated as having a balance due despite being charged off, you can file a dispute with the credit reporting agencies. The agencies must investigate the dispute and correct any inaccuracies. 
REMOVE THIS OFF MY CREDIT REPORT DUE TO MISUSE OF REPORT AND VIOLATION OF MULTIPLE LAWS

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NV

Complaint narrative:
They are reporting to the credit company I have this debt. I have reach out by laters and phone and toad them on several occasions for years this is not my debt. I never sign or had any agreement with them about this debt. I does not know this debt company this is false information that I need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I noticed some unauthorized accounts on my credit report. Can you remove these? Theyre hurting my chances of getting credit.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There's a bankruptcy account listed on my credit report that I didnt open. It seems like it could be a case of identity theft or fraud. I'm concerned that this false information is hurting my credit.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CBC Companies, Inc.
State: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and informed them of the violations they were committing against my consumer report. 

It has now been over 30 days since those disputes were submitted, and I have not received any response. I am attaching copies of all letters that were sent for your reference. 

I request immediate action to address this issue and ensure that the inaccurate information is corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and informed them of the violations they were committing against my consumer report. 

It has now been over 30 days since those disputes were submitted, and I have not received any response. I am attaching copies of all letters that were sent for your reference. 

I request immediate action to address this issue and ensure that the inaccurate information is corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: 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 Account 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 Equifax 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, so I require you to send me all the documentation to prove that this information is accurate. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: 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 Account 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 Equifax 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, so I require you to send me all the documentation to prove that this information is accurate. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: AR

Complaint narrative:
These inquiries dont belong to me, and I have no ties to these creditors.

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 2024-08-16 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:
According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my XXXX XXXX. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act there should be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX collecting on behalf XXXX XXXX opened XX/XX/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 2024-08-16 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:
According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my XXXX XXXX. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act there should be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

XXXXXXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX collecting on behalf XXXX XXXX opened XX/XX/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