vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX XXXX - Address : XXXX, MN XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX late payment reported on my credit report for the XXXX XXXXXXXX account ( Account # : XXXX ). This late payment is inaccurate and is causing harm to my credit score.

I request that the CFPB take immediate action to mandate the deletion of this late payment and update my account status to current.

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

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 2024-12-04 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: CA

Complaint narrative:
The inaccurate items on my credit report are currently involved in pending litigation due to reporting errors. As a result of this ongoing legal process, these items can not be verified. 
Under 15 U.S. Code 1681i ( a ), unverifiable information must be removed from credit 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 2024-12-04 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: CORELOGIC INC
State: IL

Complaint narrative:
I was informed by XXXX XXXX of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. Several accounts that was not open by me. Are on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraudulent accounts on my credit report there are Wisconsin addresses on my credit report, even though Ive never lived or had an address in Wisconsin ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with Peoples Credit informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as XXXX XXXX to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau XXXX also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA

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 2024-12-05 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: GA

Complaint narrative:
Reviewing my credit report, I identified several billing mistakes showing late payments. These errors dont match my usual payment behavior. I request a correction and an updated account record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am writing to formally address an urgent issue involving CoreLogic, Mr. Cooper, and the XXXX XXXX XXXX XXXX XXXX. My husband and I are facing a distressing situation concerning a {$660.00} PILOT property tax payment, which has resulted in repeated delinquent notices and, most recently, a tax sale notice scheduled for XX/XX/year>. 

As homeowners with a VA loan, our property taxes are incorporated into our mortgage payments, making Mr. Cooper responsible for ensuring these taxes are paid. However, despite our consistent mortgage payments, we have been receiving delinquent tax notices every quarter, all of which we have documented. This situation escalated on XX/XX/year>, when we received a notice of a pending tax sale. 

I visited the XXXX XXXX XXXX XXXX XXXX to investigate the matter and was informed that CoreLogic, the third-party company used by Mr. Cooper to manage tax payments, has not been sending or paying the required tax bills. Disturbingly, I also learned that approximately 75 % of my neighbors are experiencing the same issue with these companies. 

As a military family, this situation is especially distressing. My husband is often XXXX, leaving me to manage our household and care for our XXXX young children. The thought of losing our home over a {$660.00} tax paymenton a property valued at nearly $ XXXX deeply unsettling. 

On XX/XX/XXXX, I contacted Mr. Cooper, and a representative assured me the matter would be escalated. However, after allowing for the holiday weekend, I followed up on XX/XX/XXXX and have been calling daily since without resolution. The only response Ive received is that the matter is being worked on, which lacks the urgency this situation demands as the tax sale date rapidly approaches. 

This level of inaction and mismanagement is unacceptable. We have owned this home for over XXXX years without ever missing a mortgage payment, and we should not have to face the risk of a tax sale due to errors and negligence by the companies involved. 

I am requesting immediate action to resolve this issue, ensure the tax payment is made to avoid the tax sale, and receive confirmation that this matter has been permanently addressed. Additionally, I urge the companies involved to review their processes to prevent further harm to other homeowners in similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NV

Complaint narrative:
Re : Dispute of Personal Information Dear XXXX, XXXX, transunion I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly. 
The disputed information is as follows : XXXX. [ Specific Inaccuracy ] : Wrong Address Describe the incorrect information in detail XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX. 
XXXX. [ Additional Inaccuracies, if applicable ] : Any other address the only address i reside XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX any other discrepancies youve noticed. 
I kindly request that you take the following actions : XXXX. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources. 
Provide me with evidence supporting the validity of the reported data. 
XXXX. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details. 
XXXX. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days of receiving this dispute letter. 
Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Violations of 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear CFPB Representative, I am writing to formally file a complaint regarding a potential violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ), by IQ DATA INT Details of the Complaint 1. Violation of 15 U.S.C. 1681e ( b ) : Duty to Ensure Maximum AccuracyUnder 15 U.S.C. 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. However, my credit report includes inaccurate information that has not been corrected despite my efforts to dispute it. Specifically : * Inaccuracy : THIS ACCOUNT IS MISREPORTED. I have never resided at this address or signed any lease with property.

* Evidence Provided : I have submitted a complaint demonstrating the error.

* Impact : This inaccuracy has caused harm to my creditworthiness, resulting in higher rates and non approvals.

2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) : Duty to Correct or Delete Inaccurate InformationUnder 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes information, the credit reporting agency must either correct or delete inaccurate, incomplete, or unverifiable information following a reinvestigation. In my case : * I initiated a dispute on 09/30/2024 regarding false information and harassment.

* Despite the clear evidence provided, IQ DATA failed to remove or correct the inaccurate information within the required timeframe.

* Instead IQ DATA INTL disregarded my complaint.

Requested Resolution I request that the CFPB investigate this matter thoroughly and take appropriate enforcement action. Specifically, I request : 1. Immediate correction or deletion of the inaccurate information from my credit report.

2. Confirmation that the information has been corrected or removed.

3. A formal review of IQ DATA INTL compliance with FCRA requirements to prevent future violations.

Supporting Documentation I have attached the following documents for your review : * A copy of my credit report highlighting the disputed information.

* Copies of correspondence between myself and IQ DATA INTL * Evidence supporting my claim, Thank you for your attention to this serious matter. I trust the CFPB will take swift action to address these violations and ensure compliance with the FCRA. Please do not hesitate to contact me at XXXX or XXXX should you require additional information or clarification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I ordered groceries from door dash totaling {$94.00}. My order never arrived to my door. It was taken to the wrong building. I asked door dash for a refund and was denied. I made a claim with Wells Fargo and they said they found that the transaction was authorized and a processing error did not occur which was not my issue. My issue is that I was never delivered goods and I have actual screenshots during the day and time they were supposed to be delivered. The only person on the XXXX camera was me looking for my food. Now Im being charged on the XXXX unfairly and would like to get some help.

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 2024-12-04 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: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently applied for Capital One Venture X credit card. My application ID is XXXX. I received an email that Capital One would need me to submit government-issued IDs, but they only take Driver 's Licence or state ID. They denied passport or ITIN letter as government-issued IDs, which is very ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have 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 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 ) ( 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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