vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including XXXX, XXXX, and XXXX, XXXX delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX Balance : {$490.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX Balance : {$490.00}

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 2024-10-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$490.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} FIRST PREMIER Opened XX/XX/XXXX {$730.00} My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and XXXX have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The XXXX makes the following findings : ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I want : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully 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 non-monetary relief
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$600.00} XXXX  Account Number : XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Balance : {$0.00}

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 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Paid Off Notice for Synchrony Bank Installment Account No. XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally notify you about an issue with my installment account ( Account No. XXXX XXXX XXXX XXXX XXXX with Synchrony Bank, which I paid in full one week ago for the amount of {$15000.00}. Despite this payment, Synchrony Bank has not updated my file to reflect the full payment and appears to be attempting to collect an additional {$15000.00}, which has already been paid in full. 

The {$15000.00} was paid from my trust, with XXXX XXXX acting as the agent. Synchrony Bank has permission from XXXX XXXX XXXX to handle the account, and I am concerned that they may attempt to double-charge me, which would negatively impact my credit. 

To clarify, I, XXXX XXXX XXXX, have fully paid off the loan as of XX/XX/year>, at XXXXXXXX XXXX. Synchrony Bank and XXXX XXXX are aware of this. Any attempt to charge additional interest or fees will not be honored, as the loan has been satisfied in full. Should they pursue any legal action against me, I will counter-sue for any made-up charges and damages caused by this needless stress and financial strain. 

I am submitting this notice in good faith and request that Synchrony Bank promptly updates my account to show that the loan of {$15000.00} has been paid in full. Any failure to do so will be met with legal action to seek compensation for pain and suffering caused by their mishandling of this matter. 

If you need any further information, please feel free to contact me directly

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 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Deinde Online Services, LLC
State: WI

Complaint narrative:
I did not give this company permission to report on my any credit Bureaus, please remove from all credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I was alerted that my Chase account was overdrawn. Upon speaking with a representative and their supervisor was advised the debit was related to a check cashed for an account not owned by myself or anyone in my household. The representative and supervisor advised me that since it is Saturday the transaction can not be corrected until Monday and my account would remain in negative until then. It is my opinion that the bank has made their error my problem and now I am here with our XXXX  month old baby and - {$140.00} so no grocerys till next week. 

Thanks chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: IN

Complaint narrative:
Please remove this fraudulent account off of my credit report ACCOUNT : XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX with account # XXXX opened on XX/XX/year> and a balance of $ XXXX 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate my consumer rights have been violated pursuant 1681. Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) states 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 of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) Treatment of inaccurate or unverifiable information, 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. I would like this item deleted 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 explanation
Consumer complaint received 2024-10-05 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-05 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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:
Despite my numerous efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has significantly impacted my life, causing undue stress and anxiety. I want to emphasize that I never authorized or consented to the inclusion of this information, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: VI

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: VI

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter Sincerely, XXXX 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 non-monetary relief