vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to notify you of fraudulent accounts and inquiries on my credit file, resulting from a data breach and identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ) to request the immediate blocking and deletion of the following fraudulent items from 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 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 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 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 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 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 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 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 2024-12-05 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
Elan XXXX XXXX XXXX XXXX XXXX XXXX is a scam. They piggyback on a real Elan card and offer a 0 % rate for a certain amount of time and then move you from transfer to purchase and start charging exorbitant rates, bogus fees, trying to double your payment every month. 

I have to print out several years of bank statements, etc.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 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. 


XXXX XXXX TRANSUNION 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 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 2024-12-05 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: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 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. 


XXXX EXPERIAN 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!

Update 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 explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute of Credit Reporting Errors To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report related to the account from XXXX ( formerly XXXX ) as well as other errors that violate federal laws. Please see the details below : Account Information : Creditor : XXXX ( formerly XXXX ) Current Balance : {$8100.00} Status : Derogatory/In Repossession Dispute Details : 1. Request for Deletion of Charge-Offs ( XXXX XXXXSC 1666b , 15 USC 1681i , 15 USC 1681s-2 ) This account reflects a derogatory status with a charge-off. I dispute this reporting as erroneous and inconsistent with my records. Moreover, under the Fair Credit Reporting Act ( 15 USC 1681i ), creditors must ensure the accuracy and completeness of information furnished to consumer reporting agencies. 

If XXXX has issued a 1099-C for this account, the debt has been canceled, and any charge-off reporting should be deleted in accordance with IRS rules and 15 USC 1681s-2.

2. Request for Deletion of Late Payments ( 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i ) Late payments on this account are inaccurately reported. According to 15 USC 1666b and 15 USC 1637 ( b ), creditors must adhere to proper billing error resolution practices. Further, 15 USC 1681s-2 prohibits furnishing inaccurate information.

3. Request for Deletion of Collection Activity ( 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ) ) The collection activity associated with this account contains significant errors. As per 12 CFR 1006.34C and 12 CFR 1006.6C, debt collectors must provide accurate and detailed disclosures. In addition, 15 USC 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy in consumer reports. 

Errors in XXXX XXXX : Balance : {$8100.00} Incorrectly listed as In Repossession despite no repossession details provided. 

Reporting of derogatory status and charge-offs appears inconsistent with 15 USC 1666b and 15 USC 1681s-2 .

Actions Requested : 1. Delete all erroneous charge-offs, late payments, and derogatory remarks associated with this account.

2. Verify all details related to this account for compliance with 15 USC 1681i.

3. Provide written confirmation of the outcome of this dispute.

Enclosed Documentation : A copy of my credit report highlighting the errors.

Any correspondence or evidence supporting my claims.

I appreciate your attention to this matter and expect a response within the legally mandated timeline under 15 USC 1681i. Please contact me if further clarification or information is required. 

Sincerely, 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 2024-12-05 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: GA

Complaint narrative:
Subject : Formal Dispute of Credit Reporting Errors To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report related to the account from XXXX ( formerly XXXX ) as well as other errors that violate federal laws. Please see the details below : Account Information : Creditor : XXXX ( formerly XXXX ) Current Balance : {$8100.00} Status : Derogatory/In Repossession Dispute Details : 1. Request for Deletion of Charge-Offs ( 15 USC 1666b , 15 USC 1681i , 15 USC 1681s-2 ) This account reflects a derogatory status with a charge-off. I dispute this reporting as erroneous and inconsistent with my records. Moreover, under the Fair Credit Reporting Act ( 15 USC 1681i ), creditors must ensure the accuracy and completeness of information furnished to consumer reporting agencies. 

If XXXX has issued a 1099-C for this account, the debt has been canceled, and any charge-off reporting should be deleted in accordance with IRS rules and 15 USC 1681s-2.

2. Request for Deletion of Late Payments ( 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i ) Late payments on this account are inaccurately reported. According to 15 USC 1666b and 15 USC 1637 ( b ), creditors must adhere to proper billing error resolution practices. Further, 15 USC 1681s-2 prohibits furnishing inaccurate information.

3. Request for Deletion of Collection Activity ( 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ) ) The collection activity associated with this account contains significant errors. As per 12 CFR 1006.34C and 12 CFR 1006.6C, debt collectors must provide accurate and detailed disclosures. In addition, 15 USC 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy in consumer reports. 

Errors in XXXX XXXX : Balance : {$8100.00} Incorrectly listed as In Repossession despite no repossession details provided.

Reporting of derogatory status and charge-offs appears inconsistent with 15 USC 1666b and 15 USC 1681s-2 .

Actions Requested : 1. Delete all erroneous charge-offs, late payments, and derogatory remarks associated with this account.

2. Verify all details related to this account for compliance with 15 USC 1681i.

3. Provide written confirmation of the outcome of this dispute.

Enclosed Documentation : A copy of my credit report highlighting the errors.

Any correspondence or evidence supporting my claims.

I appreciate your attention to this matter and expect a response within the legally mandated timeline under 15 USC 1681i. Please contact me if further clarification or information is required. 

Sincerely, 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report contains inaccuracies regarding late payments that conflict with my reliable payment history. I kindly ask that you fix these mistakes and update my account accordingly.

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 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XXXX of XXXX, I reported to the vehicle manufacture and dealer that the vehicle has been unrepaired for an extended period of time and the manufacture provided no support. In XXXX of XXXX, I hired an attorney explaining that we do not feel safe to drive the vehicle and have been forced to purchase a new vehicle. When contacting XXXX financial about this they would address the issue via messaging due to the status of the account. Once on the phone they had no solutions or help to offer. At this point the vehicle is being considered a lemon and we are waiting for the manufacture to respond in the meantime we are still paying for a loan with not assistance in terms of an extension or pause in reporting while they and XXXX XXXX XXXX XXXX investigate the issue. 

XXXX XXXX is owned and operated by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of negotiating a settlement with XXXX. In the terms in the settlement agreement it states In consideration of the offer set out above, XXXX XXXX & XXXX XXXX a grees that any payments made by XXXX  pursuant to the terms of this offer are in full and final settlement of this matter. In addition, XXXX XXXX & XXXX XXXX waives and releases all claims against 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 XXXX XXXX, their parent companies, employees, and authorized sales and service facilities regarding the use, service, and repair history of the above-mentioned vehicle. Since the settlement specifically is asking me to wave my rights to take any action against XXXX XXXX XXXX. XXXX XXXX XXXX is involved in this issue and as such should be taking action.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In XXXX of XXXX, I reported to the vehicle manufacture and dealer that the vehicle has been unrepaired for an extended period of time and the manufacture provided no support. In XXXX of XXXX, I hired an attorney explaining that we do not feel safe to drive the vehicle and have been forced to purchase a new vehicle. When contacting XXXX financial about this they would address the issue via messaging due to the status of the account. Once on the phone they had no solutions or help to offer. At this point the vehicle is being considered a lemon and we are waiting for the manufacture to respond in the meantime we are still paying for a loan with not assistance in terms of an extension or pause in reporting while they and XXXX XXXX XXXX XXXX investigate the issue. 

XXXX XXXX is owned and operated by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of negotiating a settlement with XXXX. In the terms in the settlement agreement it states In consideration of the offer set out above, XXXX XXXX & XXXX XXXX a grees that any payments made by XXXX  pursuant to the terms of this offer are in full and final settlement of this matter. In addition, XXXX XXXX & XXXX XXXX waives and releases all claims against 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 XXXX XXXX, their parent companies, employees, and authorized sales and service facilities regarding the use, service, and repair history of the above-mentioned vehicle. Since the settlement specifically is asking me to wave my rights to take any action against XXXX XXXX XXXX. XXXX XXXX XXXX is involved in this issue and as such should be taking action.

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: 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: CO

Complaint narrative:
In XXXX of XXXX, I reported to the vehicle manufacture and dealer that the vehicle has been unrepaired for an extended period of time and the manufacture provided no support. In XXXX of XXXX, I hired an attorney explaining that we do not feel safe to drive the vehicle and have been forced to purchase a new vehicle. When contacting XXXX financial about this they would address the issue via messaging due to the status of the account. Once on the phone they had no solutions or help to offer. At this point the vehicle is being considered a lemon and we are waiting for the manufacture to respond in the meantime we are still paying for a loan with not assistance in terms of an extension or pause in reporting while they and XXXX XXXX XXXX XXXX investigate the issue. 

XXXX XXXX is owned and operated by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of negotiating a settlement with XXXX. In the terms in the settlement agreement it states In consideration of the offer set out above, XXXX XXXX & XXXX XXXX a grees that any payments made by XXXX  pursuant to the terms of this offer are in full and final settlement of this matter. In addition, XXXX XXXX & XXXX XXXX waives and releases all claims against 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 XXXX XXXX, their parent companies, employees, and authorized sales and service facilities regarding the use, service, and repair history of the above-mentioned vehicle. Since the settlement specifically is asking me to wave my rights to take any action against XXXX XXXX XXXX. XXXX XXXX XXXX is involved in this issue and as such should be taking action.

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