vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: NC

Complaint narrative:
Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX . I have contacted XXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. " 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate 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 non-monetary relief
Consumer complaint received 2024-10-25 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: NC

Complaint narrative:
Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX . I have contacted XXXX XXXX XXXX  by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. " 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: MD

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX XXXX XXXX XXXX Balance {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$7800.00} XXXX XXXX XXXXXXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX  Balance {$3500.00} XXXX XXXXXXXX : XXXX Reference Number XXXX XXXX XXXX : XXXX  Reference Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 explanation
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, This creditor has violated my rights. 
Under 15USC 1681 section 602 states that I have the right to privacy, 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose. 

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 2024-10-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, This creditor has violated my rights. 
Under 15USC 1681 section 602 states that I have the right to privacy, 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: PA

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 2024-10-25 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: CA

Complaint narrative:
I paid off my balance with Affirm with funds from a cash out refinance. Payment was sent via Escrow. The check has been cashed by XXXX. 

They have told Experian that it has been over 90 days late even though I sent XXXX and Experian a copy of the voided check that shows it was cashed, balance paid off over 4 months ago. 

Despite four investigation requests to XXXX  and two dispute investigations to Experian, they both fraudulently say that my account is not paid off and late. They illegally threatened to charge of my account to collections despite not owing anything. 


This is adversely affected my credit to where I am being denied credit.

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 2024-10-25 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: NC

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 XXXX XXXX, which falls under XXXX according to XXXX 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 victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX, Number XXXX XXXX XXXX, Number 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 2024-10-25 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: PA

Complaint narrative:
I am filing a complaint regarding unjust charges from XXXX XXXX Apartments ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). Since 2018, I have been wrongfully charged {$780.00} for carpet replacement after they kept my {$650.00} deposit. Additionally, they unlawfully charged me {$50.00} per month for my Emotional Support Animal ( ESA ), violating California Civil Code 54.1. All proper documentation was submitted to them regarding the ESA animal. 

Despite my attempts to dispute these charges with the property management, they have refused to address the issue, directing me to a collection agency. These charges have been reported to XXXX, XXXX, and Equifax, impacting my credit and leading to housing denials. I have also disputed these with the credit bureaus, but they refuse to remove the negative information. 

I request that the CFPB intervene to resolve these unjust charges and have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against XXXX  XXXX XXXX XXXX XXXX regarding their blatant disregard for consumer protection laws, specifically concerning my recent dispute ( Account Number : XXXX ). My initial dispute letter, dated XX/XX/year>, has gone completely unanswered, despite the clear legal requirement for a response within 30 days. 

This is not just an oversight ; it is a violation of my rights as a consumer under the Fair Credit Billing Act ( 15 U.S. Code 1666b ). I have never received the mandatory notice 21 days prior to the payment due date, which is essential for managing my payments effectively. This failure to notify me has resulted in unjust late payment entries that are severely damaging my credit score and overall financial health. 

The lack of communication and failure to address my concerns reflects a systemic disregard for consumer rights. I am left with no choice but to escalate this matter. I hereby demand the immediate removal of all inaccurate late payment entries on my credit report and a formal acknowledgment of this complaint. 

Let me be clear : if I do not receive a satisfactory resolution within the next 7 days, I will initiate legal action in small claims court. I expect XXXX  XXXX XXXX XXXX XXXX to take this matter with the seriousness it deserves. Failure to comply will result in further actions to protect my rights and financial well-being. 

Sincerely,

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 2024-10-25 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against XXXX  XXXX XXXX XXXX XXXX regarding their blatant disregard for consumer protection laws, specifically concerning my recent dispute ( Account Number : XXXX ). My initial dispute letter, dated XX/XX/year>, has gone completely unanswered, despite the clear legal requirement for a response within 30 days. 

This is not just an oversight ; it is a violation of my rights as a consumer under the Fair Credit Billing Act ( 15 U.S. Code 1666b ). I have never received the mandatory notice 21 days prior to the payment due date, which is essential for managing my payments effectively. This failure to notify me has resulted in unjust late payment entries that are severely damaging my credit score and overall financial health. 

The lack of communication and failure to address my concerns reflects a systemic disregard for consumer rights. I am left with no choice but to escalate this matter. I hereby demand the immediate removal of all inaccurate late payment entries on my credit report and a formal acknowledgment of this complaint. 

Let me be clear : if I do not receive a satisfactory resolution within the next 7 days, I will initiate legal action in small claims court. I expect XXXX  XXXX XXXX XXXX XXXX to take this matter with the seriousness it deserves. Failure to comply will result in further actions to protect my rights and financial well-being. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax provided they verified Bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXX XXXX claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! I also contacted the Fraud department at XXXX who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax provided they verified Bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXX XXXX claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! I also contacted the Fraud department at XXXX who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in XXXX  which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
XXXX XXXX XXXX has a debt not owed and a do call debt in which is inaccurate by XXXX XXXX XXXX time after time. 

There was not letter mail to me about a such debt by credit collection service of any amount or anything to this said false claim. 
XXXX XXXX XXXX  keeps reporting the debt is {$1100.00} as XXXX XXXX XXXX reports this to credit bureaus as false debt and all sudden XXXX XXXX  sends a bill for {$11.00} There has been no money paid to no one by the letter states in XXXX 2024 there is a XXXX balance The bill for XXXX is inaccurate by XXXX XXXX XXXX as statement proves and they keep reporting the debt. 
XXXX XXXX XXXX is reporting false amounts on this account Has cause damage to my credit by these false fraudulent amounts not owed and inaccurate in which needs to be removed XXXXXXXX XXXX XXXX  makes fraudulent amounts as you can see now all sudden XXXX XXXX fraud inaccurate amounts All the credits applied by XXXX XXXX XXXX show inaccurate by them and have other documents as well with all credits and amounts.

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