vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
tMy name is XXXX XXXX XXXX and I AM A VICTIM OF IDENTITY THEFT. These fraudulent names, inquiries, and address, addresses, and names listed below are NOT MINES AND ARE FRAUDULENT. I am providing proof of identity. Proof of SSN and proof of address. There is nothing else i need to provide. PLEASE NOTE the FEDERAL TRADE COMMISSION has been notified about this situation. THIS IS A LEGITIMATE DISPUTE and I AM HOPING YOU CAN RESOLVE THIS MATTER AS I AM SUFFERING PUNITIVE DAMAGES from these FRAUDULENT INQUIRIE, NAMES, AND, ADDRESSES, listed below and on the FTC REPORT. I have accompanied with this dispute letter ID # XXXX. PLEASE HAVE SOME URGENCY ON THIS MATTER as I continue to SUFFER PUNITIVE DEMAGES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: WA

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. I am requesting that you block and delete these accounts and inquiries as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below is a list of the fraudulent accounts and inquiries that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: OK

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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 2024-10-28 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX  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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX This account is showing XXXX different versions of XXXX  year history across my credit reports. 

On XXXX the account was XXXX days late in XX/XX/year> and is still reporting an " on time '' payments status On XXXX the account was XXXX days late in XX/XX/year> and is reporting " charged off '' On TransUnion the account has no XXXX year history at all The dates of payments listed on my credit report are inaccurate across all three major credit reporting agencies, including yours. These dates do not accurately reflect my actual payment history. 

If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are XXXX % accurate so it is deemed INACCURATE. Please delete this account from my report. Account number : XXXXXXXX XXXX XXXX Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), if the information is found to be inaccurate you are obligated to promptly delete it 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 2024-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I received a {$25.00} reward given on a virtual XXXX via MyPrepaidCenter.com. It was activated XX/XX/2023. The card was unusable as it was repeatedly declined by PrePaidCenter.com Although the card states " FUNDS DO NOT EXPIRE '', there is a " Good Thru '' date that gives the allotted end date of usage. This is a farce as MyPrepaidCenter.com makes sure the card can not be used/redeemed. They then charge against the card to deplete the funds until the balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
Sat XX/XX/XXXX XXXX XXXX XXXX 39 day late payment to my credit. 
This credit card account was closed XX/XX/XXXX XXXX. Account balance was paid to zero, last payment of XXXX was paid XX/XX/XXXX, this included balance plus interest and whatever fees. Since XXXX they continued charging me interest on an CLOSED account. I kept receiving emails requesting {$3.00} payments, I've paid the XXXX dollars twice XX/XX/XXXX and XX/XX/XXXX despite knowing the account was closed. I wanted to protect the integrity of my credit. I called them several times to fix the issue, however their call center being in XXXX and not having stateside assistance make it hard to communicate. Anyone can see that this wrong and abusive to consumers. I disputed this accounts accuracy with the credit bureaus and XXXX validated and updated the account on a Saturday. How can a dispute be investigated on a sat within an hours time. This account needs to be removed from my credit file so they can stop harassing me for interest payments on a closed account. They reported the account to my credit 39 days late after its been closed for 10 months. This a scam and its outrageous that the credit bureaus allow such abuse of power. My XXXX credit score dropped to XXXX for an illegal {$7.00} late payment mark. I have recorded phone calls to verify. This company is terrible and needs to sued and shutdown. How can a closed account with a XXXX balance accrue interest for almost a year and get away with it?

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 2024-10-28 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:
Sat XX/XX/XXXX XXXX XXXX XXXX 39 day late payment to my credit. 
This credit card account was closed XX/XX/XXXX XXXX. Account balance was paid to zero, last payment of XXXX was paid XX/XX/XXXX, this included balance plus interest and whatever fees. Since XXXX they continued charging me interest on an CLOSED account. I kept receiving emails requesting {$3.00} payments, I've paid the XXXX dollars twice XX/XX/XXXX and XX/XX/XXXX despite knowing the account was closed. I wanted to protect the integrity of my credit. I called them several times to fix the issue, however their call center being in XXXX and not having stateside assistance make it hard to communicate. Anyone can see that this wrong and abusive to consumers. I disputed this accounts accuracy with the credit bureaus and Experian validated and updated the account on a Saturday. How can a dispute be investigated on a sat within an hours time. This account needs to be removed from my credit file so they can stop harassing me for interest payments on a closed account. They reported the account to my credit 39 days late after its been closed for 10 months. This a scam and its outrageous that the credit bureaus allow such abuse of power. My XXXX credit score dropped to XXXX for an illegal {$7.00} late payment mark. I have recorded phone calls to verify. This company is terrible and needs to sued and shutdown. How can a closed account with a XXXX balance accrue interest for almost a year and get away with it?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: NV

Complaint narrative:
In addition to complaint ID XXXX - XXXX, of which you closed without even verifying anything with me first. 

This company has now sent me XXXX statements for XXXX mortgage payment. One owed to them on XX/XX/year> in the amount of {$2600.00}, and now since submitting a complaint to your organization, I have a second mortgage statement showing the last day to pay Flagstar is XX/XX/year>, as my loan has been transferred to another company named as XXXX XXXX ALSO effective XX/XX/year>. This now makes XXXX different mortgage companies in 15 months, and as you already know from my previous complaint also XXXX different mortgage payments. I have NEVER seen so much activity on XXXX loan IN MY LIFE! Especially a 30 year fixed conventional. This much activity on XXXX loan is outrageous but more importantly selling me off for submitting a complaint is absurd. 

SO YOU TELL ME WHATS GOING ON HERE AS I HAVE TWO SETS OF INSTRUCTIONS FROM FLAGSTAR FOR XXXX MORTGAGE PAYMENT WHICH WAS ALREADY IN DISPUTE. 

AND DONT CLOSE THIS CLAIM WITHOUT VERIFYING WITH ME FIRST! I INITIATED ASSISTANCE, NOT THEM!

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 2024-10-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) by not addressing or correcting inaccurate information on my credit report despite my previous requests. 
On XX/XX/year>, I sent a formal letter to Experian to request corrections of personal information on my credit report, specifically as follows : Correct Address : The only valid address associated with me is : XXXX XXXX XXXX, XXXX, IL XXXX I request the removal of the following incorrect addresses currently listed on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name Correction : Ensure that my name appears correctly as XXXX XXXX XXXX XXXX and remove any aliases or incorrect name variations.

To date, I have not received confirmation of receipt or any resolution from Experian, which fails to meet their legal obligation to investigate and correct errors within the 30-day period mandated by the FCRA. 
On XX/XX/year>, I am sending a second letter to Experian reiterating my request to ensure accurate and up-to-date information on my credit report. My concerns extend beyond simple data accuracy, as the presence of incorrect information could be misused, potentially enabling fraudulent actions that impact my credit history and financial security. 
I respectfully request the CFPBs assistance in reviewing this complaint to help ensure Experian upholds its responsibilities for the accuracy of consumer credit reports and complies with the legal requirements of the FCRA. 

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 explanation