vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Formal Demand to Correct Inaccurate Resident Score and Cease Reporting Harmful Data Dear TransUnion Rental Screening Solutions ( TURSS ), I am contacting you to formally dispute the accuracy of my reported resident score of XXXX, as indicated in a letter I received from XXXX on XX/XX/year> ( Application Reference Number : XXXX ). This score is entirely inaccurate and does not reflect my rental history, financial responsibility, or creditworthiness. 

Furthermore, I do not authorize or consent to TransUnion Rental Screening Solutions reporting negative or inaccurate information on my credit or rental screening reports. Your continued reporting of false or harmful information violates my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me significant and ongoing harm. 

My Demands : 1. Immediately correct my resident score to no less than XXXX within 24 hours, as the current reported score of XXXX is demonstrably inaccurate.

2. Cease reporting any negative or inaccurate information about me in connection with my rental history or creditworthiness.

3. Provide a full explanation of how the initial score was calculated, including all contributing factors.

4. Confirm the updated resident score and notify all entities that previously received the incorrect score of the correction. 

Legal Framework Supporting My Request : 1. FCRA 611 ( 15 U.S.C. 1681i ) : Requires you to investigate disputed information and correct inaccuracies.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits data furnishers from reporting information they know or should know to be inaccurate.

3. FCRA 604 ( 15 U.S.C. 1681b ) : Limits the use of inaccurate or outdated information in consumer reports.

Your actions to date suggest a disregard for my consumer rights under federal law. I demand that you comply immediately to prevent further escalation of this matter.

Urgency of Request : This inaccurate score is causing material harm to my ability to secure housing. If you fail to correct my resident score and cease reporting harmful data within 24 hours, I will file complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also pursue all available legal remedies to protect my rights.

Please confirm in writing the corrective actions you have taken no later than 24 hours from the receipt of this email. If you require additional information to resolve this dispute, you may contact me directly.

Thank you for your immediate attention to this matter. 

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 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since the summer I have tried to login to Experian account. It will not let me. I have followed all of the online options nothing works. When I call Experian their automated system refuses to transfer me to a live representative. 

I can only get me report through a XXXX subscription. This is insane. I can also no longer dispute Experian discrepancies even when I go through my fico account. It says my information is not accurate to verify me. 

This is abusive. I have even sent them screen shots of what their system does when I try to access my account and no response. 

I have uploaded and sent information to the following : https : //www.experian.com/consumer/upload/ " XXXX '' XXXX I have called the following numbers : 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 2024-11-29 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: NV

Complaint narrative:
RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to 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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: MA

Complaint narrative:
FIRST LATITUDE Credit card Account number XXXX XXXX XXXX XX/XX/XXXX. 
This account was reported late My online account was having a glitch not allowing me to make payment witch caused The payment to be late and also it was reported to the credit bureaus for my payment due XX/XX/XXXX! Also it was not 30 days late which is standard time frame to report a late payment. I ask that the mistake can be corrected or forgiven that account be updated with credit bureaus to paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
I am submitting this follow-up complaint to ensure compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates that Experian block fraudulent, inaccurate, and unverifiable information from my credit report within 4 business days of receiving a valid dispute. I submitted my initial complaint on XX/XX/year>, providing all required documentation, including an FTC Identity Theft Affidavit and supporting evidence. As of today, XX/XX/year>, Experian has failed to act within the statutory timeframe. 

This complaint pertains to the following accounts, which violate FCRA standards for accuracy, completeness, and verifiability : XXXX. XXXXXXXX XXXX  Conflicting Reporting Across Bureaus : Listed as Over 120 Days Past Due on Experian but Collection on XXXX. 
Inconsistent High Credit : Reported high credit differs across bureaus. 
Missing Date of First Delinquency ( DOFD ) : Required under FCRA 605 ( c ), but not provided, rendering the account unverifiable. 

XXXX. XXXX XXXX Statuses : Simultaneously reported as Charge-Off and Past Due.

Missing Delinquency Dates : Key reporting dates are missing, violating FCRA 1681e ( b ).

Unverifiable Creditor Details : Account lacks proper classification and origin, making it unverifiable. 

XXXX. XXXXXXXX XXXX XXXX  : Marked as Pay As Agreed while containing delinquency notes, creating inconsistency. 
Missing Reporting Dates : Lacks DOFD and other critical dates, violating FCRA 605 ( c ). 

XXXX. XXXX XXXX XXXX : Simultaneously reflects Charge-Off and Collection.

Inconsistent High Credit : Reported high credit differs across bureaus. 
Missing XXXX  : Essential delinquency dates are not provided. 

XXXX. XXXX XXXX XXXX XXXX : Creditor listed as Unknown, which is unverifiable. 
Missing Delinquency Dates : No clear XXXX provided, violating FCRA 605 ( c ).

Contradictory Statuses : Reflects both Charge-Off and Collection, violating Metro 2 reporting standards.

Violations of the FCRA These accounts violate multiple provisions of the FCRA, including but not limited to : 1. FCRA 1681e ( b ) : Failure to maintain maximum accuracy in credit reporting. 
2. FCRA 605 ( a ) : Prohibition of unverifiable and outdated information.

3. FCRA 605 ( c ) : Mandate to report the Date of First Delinquency ( DOFD ) accurately.

4. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Obligation to block fraudulent and unverifiable accounts within 4 business days.

5. FCRA 609 ( a ) ( 1 ) : My right to access all information used in credit reporting.

6. FCRA 611 ( a ) : Requirement to conduct a thorough reinvestigation of disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XXXX XX/XX/year> I place a pickup order with XXXX XXXX for {$24.00}. That order contained a clump of hair. On XXXX XX/XX/year> I requested assistance from XXXX XXXX XXXX XXXX. XXXX acknowledged receipt of request. On XXXX XXXX they requested more time to respond. But they still haven't responded. So, on XXXX XX/XX/year> I filed a dispute with my credit card company. A couple days later I checked the status, and it stated more details were needed, but it didn't say what details were needed. On XXXX XX/XX/year> I asked the company what details were needed. They asked questions about the return. I stated that information was provided in the dispute filed on XXXX XX/XX/year>. I then repeated them to the company. They then said I had to create a document in XXXX XXXX to provide those details. But I don't have XXXX XXXX. Plus, the details were already provided XXXX. Why do I have to provide them for a XXXX  time? 

By asking for the same information to be provided XXXX times it proves that the company is not properly handling the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
ACCOUNT NUMBER : XXXX Product was never received. 

Vendor promises were extended and delayed. 

XX/XX/year> XXXX XXXX XXXX CA {$4200.00} Requested XXXX to refund it and they refused. Requested Chase to refund and they refused. Vendor is fraud and keeping consumers ' money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: MI

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX is committing Fraud and Capital one, XXXX  credit card is committing fraudXXXX is allowing closed account to be a part of a credit decision when the account is old and should be removed due to the charge off and company paid for profit and loss and did not supply a 1099-C to me. I applied for the capital one business credit card which stated I have delinquent account none if my active open accounts are delinquent or past due. How can you determine my credit worthiness from a closed account charged off from 2013? This is. a clear case of Fraud and a violation of the FCRA. XXXX credit card has charged off the account and still updating in my credit file which is fraud. They got paid also through profit and loss but still are putting an open balance reporting on a closed account. I will turn this into a legal lawsuit against XXXX and capital one, XXXX  credit card if this is not correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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 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. 


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 non-monetary relief
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Account Details Dear JPMCB Card, I am writing regarding my account with your company, Account Number : XXXX, which has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the XXXX  delinquency on the account. 
The date of the last payment made on the account. 
The date the account was officially charged off. 

This information will assist me in maintaining accurate records and understanding the timeline associated with this account. 

Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: MD

Complaint narrative:
On XX/XX/year> I used my physical debit card a XXXX gas station on the evening, in XXXX, MD. I only made one transaction that night because I had to use my remaining money to order a new coolant tank for my suv the following day. 

Upon opening the Dave App, I seen that XXXX was withdrawn from my account from a XXXX XXXX  in XXXX, NC within XXXX mins after using my debit card at the XXXX. I do not live in NC nor know anyone or related to anyone in NC. I was not traveling anywhere and was in my XXXX of XXXX, NC. 

I immediate attempted to file a fraudulent dispute with Dave App on XX/XX/year> but was told that since the transaction was still showing " pending '' that I would have to wait to file a dispute. So I waited until it cleared and was able to file the dispute on the same day. The process is not a seamless one as they made me answer questions related to the transaction and then had to submit a XXXX  form that they sent me via email to answer the same questions from the original chat. I was told if the dispute wasn't resolved after 10 days then I would get a provisional credit at that time but no credit before. 

They did not reach out to me regarding the dispute until XX/XX/year> to advise me that they are upholding the transaction because I still had my card in my possession and that the disputed transaction took place before the other charge in XXXX which is a lie. When I withdraw cash using my dave app in XXXX, the transaction shows at XXXX XXXX  XXXX, MD. Never any other state or location. 

I have this happen to me XXXX separate times this year where my card was fraudulently used at atm and the banks would immediately refund my money the same day and issue a new card as they have confirmed this kind of activity has increased significant this year due to fraudsters using skimming devices at places where you can use a debit or credit card. 

I submitted a complaint to the XXXX  in XX/XX/XXXX and XXXX  response was that the business replied last : XXXX XXXX, We're sorry about your experience and would love a chance to help out with your concern. 
We were able to locate an active email thread with our team at XXXX! 
Please continue to work with our care agents to resolve this issue. 

This is not true at all, another lie. There is no active email thread as I submitted my complaint to the XXXX  because they denied my claim. Please see attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
TransUnion failed to make corrections despite the fact they were sent all relevant information pertaining to my credit report. Numerous ( certified and priority ) letters were sent, however, company keeps reporting wrong information that affects my personal financial and Family well-being. 
XXXX. There were no collection through child support. Said account originated in XXXX and TransUnion kept reporting it over the years as negative account due to alleged collection. At first it was reported that collection took place in XX/XX/XXXX ( that never happened ), then XX/XX/XXXX. 
My daughter turned XXXX in XX/XX/XXXX. Payments towards child support continued directly from Social Security until XXXX of XXXX and resulted in overpayment that was subsequently refunded. 
XXXX XXXX XXXX XXXX has no information regarding alleged collection and payment history record does not reflect any late payments or collections. Despite being provided any and all Supporting Documents TransUnion refuses to remove/correct said information ; XXXX. After being victim of XXXX XXXX in XXXX and XXXX XXXX in XXXX I requested mortgage assistance from XXXX XXXX  in XX/XX/XXXX. Said request and subsequent back and forth communication took almost XXXX years. After I filed Federal complaint my mortgage was transferred to XXXX XXXX XXXXXXXX ( financial company affiliated with XXXX ). 
At no point in time did I have late payments or otherwise missed a payment. TransUnion reports as if I had both mortgages ( XXXX and XXXX ) originated at the same time in XXXX and with same amount. Transfer of mortgage from XXXX to XXXX took place sometime in XXXX or XXXX. Subsequent to that transfer my mortgage was placed in Forbearance program due to previous financial loss associated with Declared Natural disaster that took place in Florida in XXXX and XXXX. 
Because TransUnion was wrongly reporting my personal information I was unable to receive XXXX help and suffered financially. 
I respectfully request your assistance in resolving this issue as soon as possible. 
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