vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the account reported under XXXXXXXX XXXX XXXX. ( partial account number : XXXX ). The reported information contains multiple inaccuracies and inconsistencies, and despite previous disputes, TransUnion has not corrected the issues as required by law. 

Specific Violations and Detected Inconsistencies 1. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : - The account status is reported as " Derogatory '' by TransUnion, while XXXX reports it as " Closed. '' - Dates for account opening, last report, last activity, and last payment are inconsistent when compared to data from other agencies. 

- Fields in the payment history are incomplete, with blank spaces instead of accurate information. 

2. Lack of a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : - Despite previous disputes submitted to TransUnion, the inaccuracies in this account have not been corrected. This indicates a failure to perform the reasonable investigation required under the FCRA.

3. Impact on Payment History ( FCRA, Section 605 ( b ) ) : - The payment history section is completely blank, which fails to accurately reflect the actual activity of the account.

4. Incomplete or Missing Credit Limit Information ( FCRA ) : - The reported credit limit of {$2700.00} shows discrepancies when compared to information reported by other credit bureaus, raising concerns about its accuracy.

Additional Concerns TransUnions continued failure to address these issues after previous disputes reflects noncompliance with 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct timely and reasonable investigations.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-27 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

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 explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-11-27 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: VA

Complaint narrative:
I believe I am the victim of Identity theft pursuant to section 605B please remove these fraudulent inquiries from my 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-27 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: SC

Complaint narrative:
In my case, I identified several violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws concerning the handling of my credit report and personal information. Specifically : Willful Noncompliance : Under FCRA Section 616, the credit reporting agencies and debt collectors failed to verify the accuracy of information they accepted about me. This negligence constitutes willful noncompliance, punishable by civil liability.

Failure to Disclose Opt-Out Rights : In violation of FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of having my personal information shared, which is a deceptive and unlawful practice.

Furnishing of Deceptive Information : Accounts and inquiries were reported inaccurately and without proper validation, violating FCRA Section 623 ( a ) ( 3 ). This includes reporting late payments and other details without proof.

Unfair Debt Collection Practices : Debt collectors harassed me with inaccurate and unverified debts, which is a clear violation of the Debt Collection Practices Act and caused undue stress.

Improper Sharing of Information : Debt collectors shared my information with third-party agencies without authorization, violating regulations governing the acquisition of location information.

Deceptive Reporting of Late Payments : Several late payments were inaccurately reported without a clear definition of what constituted a " late '' payment, which I challenged under 15 USC 1681a ( 2 ) ( i ).

Unauthorized Hard Inquiries : Multiple inquiries appeared on my report without my written consent, violating the permissible purposes outlined in FCRA Section 1681b ( a ) ( 2 ).

Failure to Validate Debts : Debt collectors did not provide validation of alleged debts as required under 15 USC 1692g, nor did they provide supporting documentation to substantiate these claims.

Through my formal dispute, I requested the correction of inaccurate personal information, removal of unauthorized inquiries, validation of debts, and updates to accounts to accurately reflect their status as " paid as agreed. '' I emphasized that if these violations are not promptly corrected, I would pursue legal remedies as provided under the FCRA and related laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: IL

Complaint narrative:
I have sent XXXX XXXX different items in an attempt to have my signature loans forgiven. They denied it for a second time after I sent my bankruptcy discharge with their own account listed! I have sent in a copy of my Social Security earnings. They do NOT offer a list of items to send in. You talk to someone on the phone. Ive already sent in my Borrowers discharge for XXXX XXXX. Second time I sent in my XXXX bankruptcy discharges. After they denied that I asked again, what do I need to send in to show that I do not have the income to pay for these loans. It is a financial hardship. On XX/XX/year> I sent in a social security statement that I printed from Social security website that shows I have NO income. XXXX/MOHELA has not responded and its been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year>, Care Credit ( syncronicity Bank ) charged me an excessive late fee of XXXX dollars. My minimal payment was XXXX that was paid XXXX days later on XX/XX/year>. My interest charge went up to XXXX on XXXX new minimal payment was XXXX. I called Care Credit on XX/XX/year> using phone number XXXX and had the late fee waived using that automated system. I also made a payment of XXXX on XX/XX/year> on time, assuming that the fee was made and my minimal payment was lowered. On XX/XX/year>, Care Credit charged me with an excessive late fee of XXXX for the XXXX dollars that I didn't pay after believing that my fee was waived. Now they have my minimal due on XX/XX/year> at the amount of XXXX with XXXX past due. I called care credit today XX/XX/year> at XXXX p.m and spoke with a representative. She said she was unable to fix this problem and unable to waive the second late fee of XXXX and removing the XXXX as delinquent. She did speak to a higher up to try to help and they would not do that. I did mention that over XXXX dollars in late fees is not legal and I was ignored. I have been on time with my payments with this company since I opened my account over a year ago. 
Please reach out if you need further documents. 

Thank you for your attention to this matter 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: PR

Complaint narrative:
I have submitted serval dispute letters on the following inquiries on my credit report that are currently harming my financial profile. 

BRIDGECREST Installment account opened on XX/XX/XXXX and has a balance of {$3700.00}. This account is incorrectly being reported as a charged-off account with a balance due. 

XXXX Revolving account opened on XX/XX/XXXX and has a balance of $ XXXX.I dispute the missed payments and late payments on this account. 

THE XXXXXXXX XXXX Revolving account was opened on XX/XX/XXXX and had a balance of {$5200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. 

To rectify this matter, I have taken the necessary steps, including reporting these discrepancies through IdentityTheft.gov, and have attached the Federal Trade Commissions Identity Theft Report for your review. I kindly request that you investigate these accounts and inquiries thoroughly and remove any items found to be inaccurate or fraudulent.Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter. 









Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws concerning my credit report. These violations include the failure to verify the accuracy of the information reported, unauthorized use of my personal information, and reporting of inaccurate accounts and inquiries without proper validation or consent.

Specifically, the following issues occurred : Willful Noncompliance : You accepted and reported inaccurate information about me without verifying it, violating FCRA Section 616. This is punishable by civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights : You did not inform me of my right to opt out of sharing personal information as required by FCRA Section 603 ( d ) ( 2 ) ( A ).

Inaccurate and Deceptive Reporting : Several accounts and inquiries were reported inaccurately without proper validation or compliance with Generally Accepted Accounting Principles ( GAAP ), in violation of FCRA Section 623 ( a ) ( 3 ).

Debt Collection Violations : Debt collectors engaged in unfair practices, including contacting third parties and reporting false debts, causing harassment and distress.

Misrepresentation of Payment Status : You reported " late payments '' without clarifying or defining what constitutes lateness, which is misleading.

Unauthorized Hard Inquiries : Several hard inquiries were made on my credit report without my authorization, breaching FCRA Section 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports.

I have detailed the specific accounts, inquiries, and inaccuracies that need correction or removal. I demand immediate action to address these violations by deleting inaccurate personal information, updating payment statuses to " paid as agreed, never late, '' removing unauthorized hard inquiries, and validating debts under 15 U.S. Code 1692g. Failure to provide sufficient evidence of the debts or permissible purposes for inquiries will require the immediate deletion of the disputed entries. 

If you fail to comply promptly, I will pursue all legal remedies available under the FCRA and other applicable laws. 

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-27 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: NC

Complaint narrative:
I have been a victim of identity theft. These accounts are not mine

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 2024-11-27 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: NC

Complaint narrative:
I have been a victim of identity theft. These accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information regarding the bankruptcy section of my credit report. The discrepancies outlined below violate my rights under the FCRA and unfairly impact my credit history. 

Identified Discrepancies Reference Number : TransUnion reports the reference number as XXXX, while other credit bureaus list it as XXXX, indicating an inconsistency in the information reported. 

Court Identification : TransUnion identifies the court as U.S. Bankruptcy Court, but another bureau lists it as US BKPT CT XXXX XXXXXXXX, showing a lack of uniformity and accuracy in reporting. 

Violations of the FCRA 1. Section 609 ( a ) ( 1 ) : I am entitled to a credit report that includes accurate and complete information. The discrepancies in the bankruptcy section demonstrate that this requirement has not been met. 

2. Section 607 ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy in the information they report. The inconsistencies in the reference number and court identification indicate a failure to adhere to this obligation. 

3. Section 611 ( a ) : Under this section, TransUnion is required to delete or correct inaccurate or incomplete information within the legally mandated 30-day period after a dispute is filed.

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