vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request the removal of unauthorized inquiries on my Transunion credit report. I recently reviewed my credit report it show all these credit inquiries that I have no knowledge of. I am writing to dispute the following inquiries and ask for the removal 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

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VT

Complaint narrative:
I wrote a check im the ammount of {$5000.00} ( # XXXX ) from my XXXX checking account on XX/XX/XXXX to XXXX XXXX. 
XXXX on XX/XX/XXXX deposited it into her account at Truist XXXX The check cleared my account XXXX days later. However, even after clearing my account, they froze XXXX money as they thought my check was " fraudulent ''. They told her that I would need to request that the check be recalled by myself or my bank. 
I spoke with Truist XXXX on or around XX/XX/XXXX to try and resolve the issue. This bank would not speak with me as I am not a customer of theirs. 
On XX/XX/XXXX I opened a case with my XXXX XXXX  and asked them to recall the check. Case # XXXX They stated they would work with the other bank to recover the money. I spoke maybe a couple of times with no progress over the next few months. 
On XX/XX/XXXX They opened another " XXXX XXXX '' # XXXX. Was told again they would try to work with XXXX XXXX to have the funds unfrozen and returned to my account as they were not releasing the funds to XXXX. 
On XX/XX/XXXX XXXX " upgraded '' the case # XXXX and said they were continuing to work on this issue. 
On XXXX updated the case again # XXXX and said they were in the process still and that i just needed to continue to be patient. I checked in a few times over the next couple months and was told again to be patient. Somewhere during this time, XXXX bank closed out her account and told her they would be returning check ( I have yet to hear from them or recieve any refund ). 
On XX/XX/XXXX I recieved a letter from XXXX stating they needed a signed declaration of what had transpired. With a claim # XXXX to which I responded on XX/XX/XXXX. 
XXXX XXXX also worked with her bank to return or release the funds to no avail. 
I do not understand, legally, how a bank can take a check, not release the funds or return the funds to the original sender in over a years time. This bank has kept my money for over a year and should not only have to return the money immediately but be charged interest on withholding the money! To me this is theft. I, in good faith, wrote a legally valid check, to which this bank recieved the funds and instead of distributing them as intended has just kept the money. I have fought with both my bank for help, and Truist XXXX for over a year. Speaking with Truist, their policy states the longest they can legally withold funds is 30 days. So how they have allowed this to continue for this long is criminal. It has wasted COUNTLESS hours of my time and resources with still no resolution.

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 2024-11-23 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: NV

Complaint narrative:
This all started with a payment in XXXX. In XXXX I paid off the my XXXX XXXX XXXXXXXX. I did that with a cashier check. I then put that card on auto pay. 
In XXXX, the very first payment on autopay, XXXXXXXX XXXX decided to take the payment to take the payment via XXXX. The issue with that is ; a ) I didnt authorize them to take the payment using that method. 
b ) I dont have or have I ever had checks/checkbook to this account. Its a XXXXXXXX XXXX account and this particular account doesnt have a check. 
So, when XXXX attempted to take the money my bank as they should replied send back to sender. At the time XX/XX/XXXX there was more than enough money to have covered the {$14.00} payment. 
Nobody from XXXX attempted to call me. Rather they waited until the payment was 60 days past due to inform me and even the app made it look like XXXX XXXX XXXX payments was good until they XXXX day where that app suddenly had XXXX payment returned. 
I called XXXX back XX/XX/XXXX did to an email stating that my XX/XX/XXXX payment hadnt posted. 
I called the bank to make the payment and thats when finally they informed me of the late payment from XX/XX/XXXX. 
When I looked at my bank statement Didnt see a charge, I didnt see where money had been returned, And in fact, I had more than enough money to have covered that payment. 
I called XXXX and they informed me that the way in which XXXXXXXX XXXX attempted to charge you made it seem like you had written them a check so we returned it back to sender. 
So by the time I found out, it was already 30 days past due. They reported it to my credit and Ive tried to work with them. No one really listens. 
I was supposed to refinance my house last month and due to this delinquent payment I will not be able to refi, my home For another XXXX months or more. 
If XXXXXXXX XXXX wouldve done a regular ACH withdrawal as they had been doing for the last two years, We would not be in this mess. 
XXXXXXXX XXXX is refusing to take responsibility for what its done. They claimed that they were investigating honestly I dont think that they were. If someone would just take the time and take a look at it, this matter couldve been resolved. 
The false check number that XXXX submitted to my bank was check number # XXXX. Which is troublesome to me because I never wrote a check. So how and why would XXXXXXXX XXXX XXXX XXXX XXXX a check number that doesnt exist.

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 2024-11-23 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-23 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: MI

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-23 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: MI

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
My accounts 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 to be removed/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. 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!

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 2024-11-23 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am submitting this formal complaint against Jefferson Capital Systems , LLC, regarding their failure to validate a debt they claim I owe and have reported to the credit bureaus. The continued reporting of this debt is inaccurate, unverifiable, and violates my rights under federal consumer protection laws. 

Details of the Account in Question : Collection Agency : Jefferson Capital Systems , LLC Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Reported : {$2500.00} Nature of the Complaint Failure to Validate the Debt : Under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), Jefferson Capital Systems is required to validate the debt upon my request. This includes providing evidence of their legal authority to collect the debt and proof of the original agreement with XXXX XXXX XXXX. Despite my formal request for validation, Jefferson Capital Systems has failed to provide any documentation. 
No Contractual Agreement with Jefferson Capital Systems : I have no contractual relationship with Jefferson Capital Systems. Without proof of an assignment agreement or documentation authorizing them to collect, their reporting of this debt is unauthorized. 
Violation of FCRA Accuracy Standards : Jefferson Capital Systems failure to validate the debt renders their reporting unverifiable, violating 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on consumer reports be accurate and verifiable. 
Harm to Creditworthiness : This inaccurate and unverified debt has negatively impacted my credit report, causing undue harm to my financial well-being. 
Requested Resolution I respectfully request the CFPB to investigate Jefferson Capital Systems and take the following actions : Immediate Removal : Require Jefferson Capital Systems to delete this account ( Account Number : XXXX ) from all credit reporting agencies ( XXXX, XXXX, XXXX ). 

Provide Documentation : If Jefferson Capital Systems maintains that the debt is valid, they must provide : Proof of their authority to collect the debt. 
A copy of the original signed agreement with XXXX XXXX XXXX. 
Evidence of accurate reporting of the balance, dates, and account status. 
Cease Collection Activities : If Jefferson Capital Systems can not validate the debt, they must cease all collection efforts immediately. 

Summary of Violations 15 USC 1692g ( FDCPA ) : Failure to validate the debt upon request.

15 USC 1681e ( b ) ( FCRA ) : Inaccurate and unverifiable reporting. 
Unfair Practices : Continued reporting and collection attempts without proper validation are unfair and deceptive under federal law. 
Thank you for your attention to this matter. I look forward to a resolution that ensures my rights under federal law are upheld. Please confirm receipt of this complaint and provide updates as the investigation progresses. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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 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 Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2024-11-23 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: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Bank Account Number XXXX XXXX XX/XX/XXXX To Whom It May Concern ; I disputed the referenced accounts above on ( XX/XX/XXXX ). 
The credit report of ( XXXX ) shows these items were deleted from my credit file. Now this items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy ( XXXX U.S.C. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant-to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency, Additional information. 

As part of, or in addition to, the notice under clause ( i ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of-such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracyor completeness of the disputed information. I received no such notification. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency XXXX avoid such action by immediately deleting this listing from my credit report Thank you, Your Full Name 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 2024-11-23 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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!

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