vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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 in ( MONTHS REPORTING LATE ) 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 2024-08-22 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: OK

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

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 2024-08-22 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: TX

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-22 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and

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 2024-08-22 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: PA

Complaint narrative:
I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-22 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple efforts to address these inaccuracies, I have yet to receive any resolution or corrective action. These errors are significantly damaging my credit file and seriously affecting my ability to live a normal life. 

The consequences of these inaccuracies have put me in a challenging position, and I urgently need your assistance to resolve this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to promptly update and correct my credit report. 

With your support, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-22 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-22 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: NV

Complaint narrative:
I sent EQUIFAX my identity theft report and made them aware I had multiple fraudulent accounts on my credit report unauthorized and multiple inquires created while I was on duty and they have failed to block XXXXXXXX XXXX XXXX from my credit report or all of the unauthorized inquires. I am attaching AGAIN the documentation and I do expect the last of the fraud to be BLOCKED and removed from my credit report before I have to escalate this with my superiors nd contact a lawyer to make a formal inquiry and legal notice to XXXX XXXX for them NOT adhering to the FCRA and violating my rights. It has been MONTHS and Equifax still has left this unauthorized information on my credit report to cause me financial hard and distress and violating my rights per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/year> at XXXX XXXX, TransUnion ( TU ) sent me two emails. One email welcomed me to their company. The other email stated " Thank you for choosing TransUnion! You have taken an important step toward protecting your identity & credit. Here 's the next one : Check your account details now. Log into your TransUnion account to make sure your personal information is accurate and your account settings work best for you. Bookmark your login page so you can easily access your account when you need it most. '' I did not sign up for this service. I had not contacted TU even for information. These emails came in out of the blue. So I contacted TU and informed them that I was concerned that someone else, impersonating me, was trying to sign up for a credit monitoring account with TU. I gave them the email with the Order number and said I needed to understand why it had been sent to me. They insisted on asking for all of my personal information, including my DOB and SSN, before helping me. They refused to answer any questions. So the bottom line is I told TU, that I didnt sign up for this service and was concerned about fraud and they ignored me.

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 2024-08-22 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: PA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and discrepancies on my report. These inaccuracies have been detrimental to my life and credit health

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 2024-08-22 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple efforts to address these inaccuracies, I have yet to receive any resolution or corrective action. These errors are significantly damaging my credit file and seriously affecting my ability to live a normal life. 

The consequences of these inaccuracies have put me in a challenging position, and I urgently need your assistance to resolve this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to promptly update and correct my credit report. 

With your support, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-22 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:
My name is XXXX XXXX and I am NOT a 3rd party.I am submitting this complaint on my own behalf. 
XXXXXXXX XXXX-ACCT # XXXX {$820.00} XXXX XXXX XXXX-ACCT XXXX XXXX {$1200.00} I disputed the above referenced accounts on XXXX XXXX as fraudulent and attached a FTC report and a police report . The credit report of XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in cases of disputed accuracy ( 15.U.S.C. 1681 ) Requirements relating to re-insertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ) A ) is re-inserted in the file, the consumer reporting agency shall notify the consumer of the re-insertion in writing not later than 5 business days after reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information as part of, or in addition too notice under clause ( I ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date, ( I ). a statement that the disputed information be reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the re-insertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers ' file disputing the accuracy or completeness of the disputed information. 

I RECEIVED NO SUCH INFORMATION.THIS IS A SERIOUS VIOLATION OF THE FCRA, AND I RESERVE THE RIGHT TO PURSUE FURTHER ACTION. I DEMAND THAT YOU IMMEDIATELY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT IN ORDER TO AVOID LEGAL ACTION. I WILL ALSO FAX THIS TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

PLEASE NOTE THAT I HAVE OPTED OUT IN WRITING TO YOUR FORCED ARBITRATION TERMS AND AM WILLING TO SEEK LEGAL RELIEF. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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:
My name is XXXX XXXX and I am NOT a 3rd party.I am submitting this complaint on my own behalf. 
XXXXXXXX XXXX-ACCT # XXXX {$820.00} XXXX XXXX XXXX-ACCT XXXX XXXX {$1200.00} I disputed the above referenced accounts on XXXX XXXX as fraudulent and attached a FTC report and a police report . The credit report of XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in cases of disputed accuracy ( 15.U.S.C. 1681 ) Requirements relating to re-insertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ) A ) is re-inserted in the file, the consumer reporting agency shall notify the consumer of the re-insertion in writing not later than 5 business days after reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information as part of, or in addition too notice under clause ( I ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date, ( I ). a statement that the disputed information be reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the re-insertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers ' file disputing the accuracy or completeness of the disputed information. 

I RECEIVED NO SUCH INFORMATION.THIS IS A SERIOUS VIOLATION OF THE FCRA, AND I RESERVE THE RIGHT TO PURSUE FURTHER ACTION. I DEMAND THAT YOU IMMEDIATELY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT IN ORDER TO AVOID LEGAL ACTION. I WILL ALSO FAX THIS TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

PLEASE NOTE THAT I HAVE OPTED OUT IN WRITING TO YOUR FORCED ARBITRATION TERMS AND AM WILLING TO SEEK LEGAL RELIEF. 
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 2024-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MA

Complaint narrative:
On XX/XX/XXXX, I received an email from the Department of Education stating that I am a member of the XXXXXXXX XXXX XXXXXXXX lawsuit. 

On XX/XX/XXXX, I received a letter from MOHELA stating that my consolidated student loans had been discharged on XX/XX/XXXX. Shortly thereafter, this was reflected at StudentAid.gov and in my credit report. At the time of the discharge, my balance was roughly $ XXXX. 

On XX/XX/XXXX, I received a letter from MOHELA stating my loans were delinquent. My balance on the website was now roughly $ XXXX. Shortly thereafter, my loans reappeared on my credit report. My StudentAid.gov balance was about $ XXXX on XX/XX/XXXX, but soon matched MOHELA 's $ XXXX. I have messaged MOHELA multiple times but they have not been forthcoming. ( Due to their track record, I prefer to communicate with MOHELA in writing. ) In early XXXX, I received a paper letter from MOHELA ( dated XX/XX/XXXX ) asking me for contact information for myself. I found this letter quite bizarre, as they clearly have my contact information in their files if they are able to send me a letter. 

On XX/XX/XXXX, I received a deposit of {$8300.00} from the US Treasury. No memo accompanied the deposit. I suspect it is related to my student loan situation, but no information is available at MOHELA or StudentAid.gov. 

I attach : ( 1 ) Email re : XXXX XXXX membership ( received XX/XX/XXXX ) ( 2 ) Letter from MOHELA re : loan discharge ( received XX/XX/XXXX, dated XX/XX/XXXXXXXX  ) ( 3 ) Letter from MOHELA re : loan delinquency ( received XX/XX/XXXX, dated XX/XX/XXXX ) ( 4 ) Letter from MOHELA re : contact information ( received XXXX  XXXX, dated XX/XX/XXXX ) ( 5-6 ) Messages with MOHELA ( XX/XX/XXXX, XX/XX/XXXX ) ( 7-9 ) XXXX files ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation