vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XXXX of 2024 I informed Transunion that i was unable to unfreeze or obtain a copy of my credit report, this came after i disputed a lot of inaccurate information and on my credit report, which they refused to remove after proving the information they have is inaccurate. I have been calling and involved with their IT department for since XXXX of 2024 with no resolution, every time I call they say, call back in a few days the problems remains unresolved I am trying to obtain credit and because my account is frozen, no one can access my account and banks and lending institutions can not help me due to Transunion not knowing how or refusing to unfreeze my credit report, I do not know what is on my credit report, What are my options?

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 2024-08-21 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I need your help addressing an incorrect account on my credit report. This issue has harmed my reputation, and I require your immediate assistance. Your mistakes have caused great distress, and its crucial that you fix them so I can focus on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last week I received an email from.my bank, XXXX XXXX, that my credit score had dropped XXXX points suddenly. After going into my bank app, I looked at my credit reporting section, and there was an account through XXXX XXXX XXXXXXXX with me as an authorized user. This account was opened in XX/XX/XXXX and has a limit of {$24000.00}, and a balance of {$79.00} according to this report. I immediately called XXXX credit fraud department to confirm using my name, address, social security number etc, we were able to verify the accounts existence, but because my phone number wasn't matching the account, I wasn't able to find out any more details due to the account being locked. The person on the phone from XXXX advised me to go into a branch after XXXX hours to resolve the issue. I went into a branch today and the manager was unable to find the account.

I'm worried something serious is happening here because I had an unemployment debit card during the beginning of the pandemic in XXXX. I was receiving unemployment benefits via XXXX XXXX XXXX until I was no longer eligible for benefits. I'm concerned that someone got my information and used it to open an illegal account due to commission practices and pressure from managers, much like how XXXX XXXX did in XXXX that landed them in that giant lawsuit. Either way, my inormation was used without my knowledge or consent and no one is offering me any help. This is unacceptable.

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 2024-08-21 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:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Whenever I try to add my Comenity Mastercard to XXXX XXXX, I get an error message that states " Card Not Added. Contact your card issuer for more information. '' I contacted Comenity Bank several times on XX/XX/year> and several times on XX/XX/year>, and they were not able to help me add my card to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Opportunity Fund
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a XXXX form from OPPORTUNITY FUND, indicating that a debt of {$10000.00} had been canceled and should be reported as income on my tax return. I dutifully filed this XXXX on my XXXX tax return, acknowledging the cancellation of the debt and reporting it as required by law. 

Despite this, OPPORTUNITY FUND has continued to send me collection letters regarding the same {$10000.00} debt and has also reported this debt to the credit bureaus as an outstanding obligation. This is inaccurate and misleading, as the debt was officially canceled and reported to the IRS, meaning that I am no longer legally responsible for it. 

Since XX/XX/XXXX, I have received several collection letters from OPPORTUNITY FUND demanding payment for this canceled debt of {$10000.00}. Additionally, I have noticed that this inaccurate information is being reported on my credit report, adversely affecting my XXXX XXXX and financial standing. 

Actions Taken : XX/XX/XXXX : Filed the XXXX from OPPORTUNITY FUND on my XXXX tax return, recognizing the cancellation of the {$10000.00} debt. 
XX/XX/XXXX- XX/XX/XXXX : Received multiple collection letters from OPPORTUNITY FUND regarding the already canceled debt of {$10000.00}. 
XX/XX/XXXX- XX/XX/XXXX : Discovered that OPPORTUNITY FUND is reporting this canceled debt of {$10000.00} to the credit bureaus as an outstanding balance, negatively impacting my credit report. 
XX/XX/XXXX : Despite my attempts to resolve this issue by contacting OPPORTUNITY FUND, the inaccurate reporting persists. 
Desired Resolution : I request that OPPORTUNITY FUND immediately cease all collection activities related to this canceled debt and remove all associated negative entries from my credit reports with XXXX, XXXX, and XXXX. Since this {$10000.00} debt was officially canceled and reported to the IRS on a XXXX, it should not be reported as an outstanding obligation on my credit report. 

I also request written confirmation that these actions have been taken and that this matter has been fully resolved. If OPPORTUNITY FUND fails to comply with this request, I will consider pursuing further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies to protect my rights and restore my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-08-21 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: OH

Complaint narrative:
I have reached out to XXXXXXXX XXXX card several times stating that they have violated several of my consumer rights. The have violated my right to privacy. I never given anyone my written permission to obtain my personal information to share with no third party, As well as the law states that transactions ' and experiences are excluded from a consumer reportsXXXX XXXX XXXX has committed aggravated identity theft, I will pursue legal remedies. Please remove these late payments immediately. I'm aware of my rights as well as the penalties if this issues isn't resolved.

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 2024-08-21 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: OH

Complaint narrative:
I have reached out to XXXXXXXX XXXX card several times stating that they have violated several of my consumer rights. The have violated my right to privacy. I never given anyone my written permission to obtain my personal information to share with no third party, As well as the law states that transactions ' and experiences are excluded from a consumer reports. XXXX XXXX  has committed aggravated identity theft, I will pursue legal remedies. Please remove these late payments immediately. I'm aware of my rights as well as the penalties if this issues isn't resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: OH

Complaint narrative:
I have reached out to XXXXXXXX XXXX card several times stating that they have violated several of my consumer rights. The have violated my right to privacy. I never given anyone my written permission to obtain my personal information to share with no third party, As well as the law states that transactions ' and experiences are excluded from a consumer reports. XXXX XXXX  has committed aggravated identity theft, I will pursue legal remedies. Please remove these late payments immediately. I'm aware of my rights as well as the penalties if this issues isn't resolved.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've applied for two separate refi mortgages in the past year. Both times, after the company I am working with runs my credit, I am bombarded by phone calls ( over 100 ) from other mortgage companies with high pressure salesmen trying to get me to use them instead. I can not see how it is legal or fair for credit bureaus to share with other lenders that my credit has been pulled for a mortgage inquiry. This should be changed and the practice should be stopped immediately. 

I also do not know which agencies are doing this, as I as the consumer do not know which company the lender is using.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've applied for two separate refi mortgages in the past year. Both times, after the company I am working with runs my credit, I am bombarded by phone calls ( over 100 ) from other mortgage companies with high pressure salesmen trying to get me to use them instead. I can not see how it is legal or fair for credit bureaus to share with other lenders that my credit has been pulled for a mortgage inquiry. This should be changed and the practice should be stopped immediately. 

I also do not know which agencies are doing this, as I as the consumer do not know which company the lender is using.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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:
These late payments arent in line with my typical payment record.

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 2024-08-21 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: FL

Complaint narrative:
I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account XXXX : XXXX 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-21 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: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
There is this chargeoff on my credit reports from Montgomery Wards. I've never had a account with them nor have I ever applied for an account with them. This has negatively affected my credit for years. I've tried everything to have it removed to no avail. I've been hurt enough by this being on my credit.

Company response to consumer: Closed with explanation