vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: MA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-14 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.

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 2024-11-13 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: TN

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 non-monetary relief
Consumer complaint received 2024-11-13 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: TN

Complaint narrative:
Trial Payment letter received XXXX XXXX, XXXX  for my mortgage assistance request. 
Trial Modification plan summary states 1st payment due date XXXX amount {$2200.00}. Trial modification Plan agreement states 1st modification payment due XXXX. Servicer was contacted XXXX to explain the modification plan different due dates. Customer service had no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: IN

Complaint narrative:
By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. 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 an inquiry 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 ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Bureau : Experian.

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 2024-11-13 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: LA

Complaint narrative:
In referenced in XXXXXXXX XXXX  XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please 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 2024-11-13 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: IL

Complaint narrative:
This complaint is a second and DIFFERENT one as I just received the dispute results from the prior complaint you have not even closed, and then found tons more errors!!!! You need to shut these credit reporting agencies down!!!!! They are incompetent and so are their workers and none do their jobs!!!! They have made stupid errors all over my report and also are not verifying and updating accounts or following the FCRA and FDCPA!!! I have attached a copy of that report and all of the new errors I have found that now need to be corrected and the laws followed!!!!!!

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 2024-11-13 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G-VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX-XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please 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 explanation
Consumer complaint received 2024-11-13 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: WI

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing ton my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This Fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX for the amount of {$7300.00}. XXXX XXXX XXXX with a balance of {$22000.00} and also original balance of {$15000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the U.S Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, Chase sent me an email stating that my account was 19 days past due. During that time, I was also dealing with Hurricane Helene preparations. I submitted payment to Chase on XX/XX/year> which was not honored by my bank due to their inability to contact me because of the Hurricane. I have had fraud on my external account and the bank was not sure whether or not to honor the payment. 

However, when I did receive information that the payment had an issue, I went into the system and reinitiated another payment to cover my car payment through Chase.com. Instead of initiating the payment, the system had disconnected my account from the payments and did microdeposits instead stating that they would be verified within 2 to 3 days. The microdeposits were initiated on XX/XX/XXXX. I still had three days left before the end of the month to verify the deposits and get my car payment in before the month was over. 

According to Chase 's email which is attached to this complaint, on XX/XX/XXXX my account was 19 days past due. Even with the payment issues, Chase received payment on XX/XX/year>, which would've had my account at 29 days past due. 
However, Chase reported my account over thirty days past due despite its system glitches, the fact that I was supposed to be in a Disaster relief deferment and the fact that it didn't honor the communication or miscommunication about how many days past due I actually was. 

I have had this account with Chase for 4 years and I have never been over 30 days late in the history of the account. I am requesting that this account be brought current based on the fact that there were system issues. 

Lastly, I was also supposed to be covered for Disaster relief assistance which obviously I was not. Chase deferred my payments for XXXX and XXXX instead of XXXX as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX there were a series of 5 pay anyone transactions being sent in various amounts to a person named " XXXX XXXX '', which totaled the aount of {$600.00}. Many of the transactions included a note " dinner '' & were all issued within the period of 30-45 minutes. I did not authorize these transactions, nor have any knowledge of whom the recipient is. I noticed and identified the fraudulent transactions within 30 minutes of the the final payment sent & immediately notified CHIME to report the unauthorized transactions. Despite CHIME being promptly notified of these fraudulent transactions within 30 minutes, customer service began interrogating me with questions as if I was the one commiting the fraud. Several days following my dispute I recieved notice that my claim/dispute was denied due to my transaction history with the recipient ( which is non existent aside from the reported fraudulent transactions in question ) & the fact that it was a pay anyone transfer. I had informed Chime that i did lose my cell phone the week prior and was using a new phone, which could have been a possibility & that i was asleep during the time these transactions occured ( all were made around XXXX PST. 

As a customer of this negligent and crooked company, I properly and promptly notified them of this fraud, which is not characteristic of any of my previous banking activity - yet they are placing the blame on me and would not even issue a temporary credit at any point throughout when that was my last {$600.00} to survive. Researching Chime it appears that this seems to be a normal business practice by improperly adherring to regulations with regards to payment disputes. 

I want my {$600.00} refunded to my account as Im rightfully owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: LEXISNEXIS
State: SC

Complaint narrative:
This complaint is to address a grave issue regarding the erroneous reporting of a bankruptcy on my credit report by the Credit Reporting Agency ( CRA ). Despite a prior complaint regarding this matter, the CRA verified the bankruptcy information using an unnamed public agency without providing essential details of the verification process. The CRA is required by law to provide full documentation that outlines every step taken to validate this information. This includes the exact source of the data, the date it was obtained, and any verification methods used. Without these details, the CRA has failed to demonstrate due diligence in verifying the accuracy of this record, which directly impacts my credit standing. 

As previously stated in my initial complaint, the ( attached ) communication from the Court explicitly confirms that it does not report information to third parties or any other individuals. Therefore, I have substantial grounds to question the legitimacy of the CRA 's verification process. Furthermore, the actions of the CRA and any entity involved in this reporting violate the following federal statutes : 1. Violation of 15 USC 1681b ( 2 ) : This statute mandates that no information should be furnished without written instructions from the consumer. The CRA has failed to prove that any written authorization was provided for this verification process. 

2. Violation of the Privacy Act of 1974 : This law requires that disclosure of any records contained in a system of records be conducted only upon written consent from the individual. I have never provided such consent, nor has the CRA demonstrated that any consent exists authorizing this disclosure or verification.

The CRAs handling of this bankruptcy report is, therefore, both unlawful and unsubstantiated, violating the boundaries set forth by the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Given these violations, the bankruptcy report is invalid and must be immediately removed from my credit file.

Company response to consumer: Closed with non-monetary relief