vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to request the update or removal of the late payment entry listed on my credit report for XXXX XXXX XXXX and XXXX XXXX, as it is incorrect and does not accurately reflect my records. Additionally, I have noticed an unauthorized inquiry on my credit report that I did not authorize and would like it removed. 

Both of these items are negatively affecting my credit score, and I kindly ask that you investigate and take the necessary action to resolve these issues. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-11-06 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: AR

Complaint narrative:
I am writing to request the update or removal of the late payment entry listed on my credit report for XXXX XXXX XXXX and XXXX XXXX, as it is incorrect and does not accurately reflect my records. Additionally, I have noticed an unauthorized inquiry on my credit report that I did not authorize and would like it removed. 

Both of these items are negatively affecting my credit score, and I kindly ask that you investigate and take the necessary action to resolve these issues.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
Applied for personal loan was approved not Im forced to pay twice with crazy interest.

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

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : Georgia XXXX XXXX XXXX XXXX XXXX, XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payments for the months of XXXX, XXXX, XXXX, XXXX, AND XXXX OF XXXX. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-06 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to file a formal dispute and complaint against Capital One Auto Finance for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. Capital One Auto Finance failed to notify me of the charge-off of my account, which I recently discovered on my credit report. This omission represents a significant failure on their part to fulfill their legal obligations regarding transparency and consumer notification. As a result, I was deprived of an opportunity to respond or resolve the matter in a timely manner. 

Additionally, Capital One Auto Finance did not provide me with a XXXX form for the charge-off, which I am legally obligated to have in order to file my taxes properly. The lack of this form not only hinders my ability to comply with federal tax requirements but also compounds the impact of the initial charge-off violation. This failure to issue the XXXX constitutes another serious breach of consumer rights and tax law obligations. 

Under FCRA guidelines, creditors are mandated to inform consumers of any significant negative actions, such as a charge-off, that will adversely impact their credit report. Additionally, they are required to provide the necessary tax documentation, like the XXXX, in the event of a forgiven or canceled debt. The lack of communication and documentation from Capital One Auto Finance is a direct violation of these consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Enclosed Correspondence Regarding Privacy and Opt-Out Request To Whom It May Concern, Please find enclosed XXXX letters regarding my formal request to opt out of reporting my personal information, as detailed under the relevant sections of the XXXX XXXX  and supported by federal guidelines. I am addressing these issues with respect to privacy protections afforded to me under 15 U.S.C. 6802 ( b ), along with applicable case law and Consumer Financial Protection Bureau XXXX. These letters outline my concerns and specify actions requested to ensure compliance with my rights. I am asking that these matters be addressed promptly, with acknowledgment of the requested removals within XXXX days. Thank you for your attention to this matter. I look forward to receiving confirmation of your compliance with these requests. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
I recently reviewed my credit report and found several unfamiliar inquiries that I dont recognize or recall initiating. I haven't applied for any new credit, nor did I give permission for these companies to access my report. This unexpected activity is causing me a lot of XXXX  and 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
SUNRISE XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NY XXXX This is a collection agency reporting that I owe XXXX XXXX mobility {$310.00}. I have called XXXX XXXX XXXX multiple times on this issues and Im current on my bill. I have never had a past bill amounting to {$310.00}. And they log every time they call me for any issues, none reported via XXXX XXXX XXXX. This agency has by far some of the worst review with multiple people reporting the same issue - them claiming they owe mainly XXXX XXXX XXXX XXXX XXXX XXXX XXXX has nothing on their end. And they are by far some of the rudest people to speak to. They gave me fake account numbers that have never been my account number.

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 2024-11-06 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: MO

Complaint narrative:
This letter serves as a formal dispute regarding the inaccurate and inconsistent reporting of the XXXX account with account number ending in XXXX. Upon review of my credit report, I have identified multiple discrepancies and possible violations of the XXXX XXXX reporting guidelines. These violations compromise the accuracy of my credit report and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the highest standards of accuracy in reporting consumer information. 
Specific XXXX XXXX Noncompliance Violations XXXX. Inconsistent Account Classification The account is reported under varying creditor types across bureaus : " Student Loans, '' " Miscellaneous Finance, '' and " Government Student Loans. '' The XXXX XXXX guidelines require consistent classification across all reporting agencies, especially for a federallybacked student loan. 
XXXX. Discrepancy in Dispute Status The " Dispute Status '' field inconsistently reports whether the account is in dispute. 
XXXX marks the account as " Account Disputed, '' while other bureaus do not. This inconsistency is misleading and fails to comply with FCRA Section 611, which mandates clarity and uniformity across all reported information.

3. Inaccurate Creditor Remarks The remark Subscriber Reports Dispute Resolved - Consumer Disagrees is present on some reports, while similar but varying comments are seen on others. XXXX XXXX standards require uniform remarks if the same dispute status and resolution have been applied across bureaus. This inconsistency is confusing and does not meet XXXX XXXX guidelines. 
XXXX. Inaccurate Late Payment Status Reporting The report indicates " 90 Days Late 7 Times '' without providing specific months and years for each instance. The FCRA and XXXX XXXX guidelines require precise documentation of each late payment instance to ensure the consumer is accurately informed. The vague reporting of lateness without dates is an unacceptable practice and could result in consumer harm due to misinterpretation. 
Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, credit bureaus and furnishers are required to ensure that all information is " complete and accurate. '' The inaccuracies noted in the XXXX account reporting constitute a clear violation of these requirements and demonstrate potential negligence in the handling of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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

Complaint narrative:
This is my second CFPB compliant regarding my consumer report. I have been a victim of fraud and my personal information was stolen and used for various reasons. According to 15 USC 1681 you are required to investigate these accounts to validate that they even belong to me. Furthermore I contacted the US Bankruptcy Court in regards to any information that they may have shared with a consumer reporting agency and they stated that they do not share information with credit bureaus. The public record you have listed on my credit report shall be promptly deleted or you will face the penalty for violating the FCRA regulations regarding verification and validation. If no one with first hand knowledge of this account can come forward to provide evidence suggesting otherwise I expect my demands to be met. 

The immediate removal of these items due to lack of evidence of indebtedness Bankruptcy - Federal - XXXX XXXX XXXX XXXX has XXXX different accounts listed XXXX XXXX XXXX XXXXXXXX XXXX has XXXX different accounts listed XXXX XXXX XXXX XXXX I know that these accounts are fraudulent and inaccurate I want a full manual investigation.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX  - XXXX - XX/XX/XXXX - {$680.00}

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Roadrunner Account Services, LLC
State: KY

Complaint narrative:
XXXX Roadrunner financial I paid my loan of {$11000.00} off. 
They then took a second payment ( unauthorized ) of an additional {$11000.00}. My bank account is in the negative due to this. I can not pay my other bills. 
All they can say is that it was a system issue this is a lot of money just taken from my account without consent that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-11-06 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: OR

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from 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 2024-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone using my ssn for capital one credit card which is effecting my credit score.

Company response to consumer: Closed with explanation