vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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:
I am writing to formally request the correction and update of the payment history for my account with XXXX XXXX on my credit report. The current payment history displayed by TransUnion is inaccurate and inconsistent with the accurate reporting shown by XXXX. Specifically, XXXX has correctly displayed my payment history with accurate and timely information, reflecting compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Additionally, the account should be listed as Paid rather than just Closed to accurately reflect the resolution of the balance, as this status better represents my responsible management of the account and positively impacts my credit profile. 

The FCRA emphasizes the importance of accurate reporting, and any deviations from the correct information can adversely affect my creditworthiness and overall consumer rights. Enclosed are detailed records showing XXXX accurate representation of my payment history, which I expect TransUnion to match to ensure compliance with federal regulations. I respectfully request the immediate adjustment of my payment history to align with XXXX reporting, as it reflects the true status of my account without discrepancies. 

Please consider this correspondence as a formal dispute under the FCRA, and I request confirmation once the necessary updates have been made.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I identified multiple billing errors that violate 15 U.S. Code 1666 ( b ). According to this statute, a creditor can not classify a payment on a credit card account under an open-end consumer credit plan as late unless they have adhered to specific requirements. These include ensuring that each periodic statement, containing the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. Additionally, the statute prohibits errors such as failure to properly reflect payments or credits, and computation errors on statements. The creditor did not provide me with a statement 21 days before the payment due date, meaning no late payments should have been recorded. I request concrete proof from the creditors bank account showing that I failed to make the payment and that it was erroneously marked late. This is a billing error. The following items should be corrected to reflect " paid as agreed '' on my credit report : XXXX XXXX XXXXXXXX - XXXX - This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Under the Fair Credit Reporting Act ( FCRA ), these accounts must be updated or removed immediately. Should this not be resolved promptly, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 U.S.C. 1681n. Additionally, I have already forwarded this issue to the Consumer Financial Protection Bureau, the State Attorney Generals Office, the Better Business Bureau, and the Federal Trade Commission. Please note that you have 30 days from the receipt of this letter to complete your investigation, as stipulated by FCRA Section 611 ( a ) ( 1 ) ( A ). I also request a description of the procedures used to determine the accuracy and completeness of the information, to be provided within 5 days of the completion of your re-investigation. I am maintaining a detailed record of your actions, including your method of verification, and I do not consent to e-Oscar or any automated verification methods.

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 2024-09-25 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: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-25 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: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
i recieved my stimulus for XXXX  into a chime account i did not create, once i called after tracking it down and they told me they were closing my account as it was nit opened by me, and they would send me my funds in a form of a check, they show they attempted to send but it got returned to sender however i have informed delivery so i can verify this is falsified information being told to me. then they said they sent the funds back to the origional sender being the IRS, however after months of calling them, and chime and everywhere else nobody can tell me where the funds are. IRS says chime has them, chime wont return i lost my home as i was depending on this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX this account up and used my information to receive cards. 

Capitol One XXXX XXXX open a XXXX XXXX XXXX XXXX ending in XXXX XX/XX/XXXXXXXX XXXX XXXX tryed to open another card in my name card ending in XXXX XXXX XXXX is the person in both cases and I'm currently going to fill out a police report. Use my SSN and Birthdates and fraudulent documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I paid my Macys credit card in full on XX/XX/year> in the amount of {$1000.00} USING THEIR APP to pay my ACCOUNT IN FULL. I have proved the money was taking out of my bank account on XX/XX/XXXX. Macys is trying to say that I owe interest. Since I paid the bill in full, I had not received any bills from Macys, but I did receive collection calls, which made me research why they were calling me. I found that they tried to assess me a fraudulent finance charge and then when they didnt receive the money, they charged me a late fee of {$40.00} for the month of XXXX and because I didnt recognize this until XXXX. They also charged me another late fee in XXXX. My paid in full bill in XXXX using their app now is about {$87.00} all of which I do not owe. Macys is using predatory practices, thinking the general public is not aware of how finance charges work. I work in the financial field and XXXX very aware of how XXXX charges work and when you pay a bill in full before its due date or its due date it is considered paid in full and there are no interest fees or late fees assessed. Macys has done this XXXX other time to me when I used my card because they dont like people paying their bill in full. They dont make money from that and I am XXXX step away from canceling this credit card. Ive had for more than 35 years. Please research this with the company for me because they do not want to talk or hear from consumers and I believe theyre using Citibank as their credit card company now which I will never own a Citibank credit card because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-25 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am formally disputing any unverified or inaccurate information in my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. I can not accept any claims of delinquency or derogatory marks without factual documentation, as this would violate federal and state regulations that require accurate and comprehensive reporting. It is concerning to see such potential violations of the law.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am formally disputing any unverified or inaccurate information in my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. I can not accept any claims of delinquency or derogatory marks without factual documentation, as this would violate federal and state regulations that require accurate and comprehensive reporting. It is concerning to see such potential violations of the law.

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 2024-09-25 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records 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 2024-09-25 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
I've repeatedly tried to resolve the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, leading to substantial stress and anxiety. I want to emphasize that I never gave permission for this information to be linked to my name, as I'm a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-25 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: SC

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
zelle say my phone number doesnt work. but i just use in for work on the XX/XX/year>. why it telling that my phone number is not working?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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 accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency i
f the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief