vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: CO

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
XX/XX/scrub>XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XXXX XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment for XXXX XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
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 2024-12-09 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:
XX/XX/scrub>XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XXXX XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment for XXXX XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: One Source Technology
State: PA

Complaint narrative:
I applied but I have issues in my background check or the fair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-09 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: DE

Complaint narrative:
Equifax has no regard for FC. R. A law, this is why I'm reporting this 2. The CFP BA consumer lawyer, as well as the F. Tc, because I followed every guideline, stated in the law.

In equifax has refused follow procedures, which is required according to the law. If any consumer notifies a credit agency of being a victim of identity theft and that consumer supplies a f t c or police report, along with a detailed letter listing, the fraudulent accounts accompanied with an affidavit that is notarized as well as all documents that account or those accounts shall be deleted within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: KY

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
There are unauthorized hard inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for these credit cards, and called Transunion multiple times to file a dispute, but they ignored my complaint and the hard inquiries remain.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
reporting a charge off on my credit report as a balanced owed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
reporting a charge off on my credit report as a balanced owed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to ask for assistance in trying to regain online access to my Experian account. I had need to unlock a credit freeze on this account in XXXX XXXX. I had been using this online account for many years successfully. Experian did not accept my username and/or password that had always worked. When I tried to change the password, it required verification by text message but would not acknowledge my phone number that had been associated with the account or my wifes number. These are the only numbers that we have had for the last 30 years. I tried multiple times to get to speak to a person on the phone to get some help, but I was unsuccessful.The Experian website said if you were having trouble, you could submit a letter indicating the trouble you had along with some very personal information, including my Social Security number and my wifes Social Security number. There was other documentation that was required and I was advised to send it to a post office box in Texas. I have never heard back from them. As would be expected from time to time, I have need to unfreeze my credit and then being able to re-freeze it. Recently when I set up a new XXXX account, I had to do it in my wifes name because she had access to her Experian account .Any advice you could give me as to how I might reach someone to help me remedy this problem would greatly be appreciated. Thank you very much in advance for your help.

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a message from Bank of America about few charges asking if I had made them and that the charges were on hold. 
I reviewed the charges ; i did not make them as they were in different cities than I was currently living in. 
I disputed those charges. After a month, I was told I have to pay for them I called the Bank of America and told them I was not in the location of those charges. 

They wanted me to file a police report and provide video evidence of all those multiple cities, but they fail to provide the timestamps of the charges. 

The police of all different cities have different protocols, and nobody is able to help as I reside in XXXXXXXX XXXX but the charges are made in XXXX different cities and XXXX  does not have jurisdiction to review footage or request. The XXXX XXXX wants XXXX, not me, to request footage. 

If a citizen has to do all the investigation of theft, then what is the point of having law enforcement. and shouldn't the bank be obliged to give provisional credit based on Reg E/C code?

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 2024-12-09 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: IN

Complaint narrative:
I am reaching out for your assistance concerning the false account on my credit report. This issue has tarnished my reputation as a customer, and I need your help in having these wrongly reported accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: IN

Complaint narrative:
I am reaching out for your assistance concerning the false account on my credit report. This issue has tarnished my reputation as a customer, and I need your help in having these wrongly reported accounts removed.

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have account with Chase Bank in one of my account some one were doing fraud on XXXX i went to the bank and I reported because check were posted on my son 's account. 
they close two of my account 1 I have money of my mom for emergency if something happen to my mom the other one was my mom money that came from her social security I don't know what to do. Please need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I never received a bill for any charges that are being requested. I refuse to pay for something that is a result of illegal actions which I believe is fraud and or ID theft. 
I believe my identity has been compromised and Caine & Weiner who bogusly represents XXXX XXXX has tried to collect funds I know nothing about. I never received a bill. I called the Caine & Weiner # which rang in a place out of this country. No one answered and I was afraid my information would be further compromised. They have placed the debt on my credit report which is excellent on XX/XX/year> ( a holiday ). This has caused my score to lower by XXXX points. I have filed a complaint against Caine & Weiner and XXXX with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Opt-Out Request Under the FCRA and 15 USC 6802 To Whom It May Concern : As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am formally notifying XXXX XXXX XXXX that I am exercising my rights to opt out of any and all authorizations, written or unwritten, verbal or nonverbal, that I may have previously provided to your organization. 



This request is being made pursuant to the provisions outlined in 15 USC 6802. I request that you cease any sharing, dissemination, or use of my information under these authorizations immediately. 



Please confirm in writing that this request has been processed and that no further action will be taken based on any previous authorizations. 



Thank you for your prompt attention to this matter. If you have any questions or require additional information to process this request, I can be reached Via Email Or the address that has been provided to you Sincerely, Federally Protected Consumer This request is being made due to recent concerns regarding the handling of my personal information and an unauthorized usage of the sharing of my personal data. I believe this is a necessary step to protect my rights and privacy as a Federally Protected Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Opt-Out Request Under the FCRA and 15 USC 6802 To Whom It May Concern : As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am formally notifying XXXX XXXX XXXX that I am exercising my rights to opt out of any and all authorizations, written or unwritten, verbal or nonverbal, that I may have previously provided to your organization.

This request is being made pursuant to the provisions outlined in 15 USC 6802. I request that you cease any sharing, dissemination, or use of my information under these authorizations immediately. 



Please confirm in writing that this request has been processed and that no further action will be taken based on any previous authorizations. 



Thank you for your prompt attention to this matter. If you have any questions or require additional information to process this request, I can be reached Via Email Or the address that has been provided to you Sincerely, Federally Protected Consumer This request is being made due to recent concerns regarding the handling of my personal information and an unauthorized usage of the sharing of my personal data. I believe this is a necessary step to protect my rights and privacy as a Federally Protected Consumer

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 2024-12-09 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: VA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief