vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a XXXX XXXX  account ( account number XXXX ) with a balance of {$18000.00} opened on XX/XX/XXXX, XXXX  XXXX XXXX account ( account number XXXX  ) with a balance of {$1700.00} opened on XX/XX/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 2024-10-12 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-12 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion and 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 2024-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a dispute on my cash app account as I seen money I had out there had been taking out the account. I contacted there customer service and they made me dispute each individual transaction from XX/XX/XXXX forward. I explained that my daughter was XXXX XXXX XXXX XXXX so I had seen transactions unfamiliar but was unable to dispute due to the circumstances. They insisted I filed each dispute seperate and so I did. Today I receive an email stating I made all but one transaction but they cant explain how I made all 7 transactions but 1. This is suspicious behavior from cash app and seems like a scam. They are also holding money from the residence in XXXX that was being held as a security deposit in XX/XX/XXXX. The funds have been released by the hotel but they fail to release my money. Cash app is allowing peoples funds to be stolen by fraudsters and will not refund the money stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-10-12 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: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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 with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment 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. 


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

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


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


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I originally opened a mortgage account with XXXX XXXX XXXX XXXX Made my first payment to " XXXX XXXX XXXX XXXX '' by check. I was monitoring my bank account every day to make sure the check came through. Two weeks passed by, and nothing happened on account. When I got hold of XXXX XXXX XXXX XXXX, they said your loan was resold to NEWREZ-Shellpoint and the check was endorsed by XXXX XXXX XXXX XXXX and sent to NEWREZ-Shellpoint. The first payment finally cleared through. Since then, I started to make payments to NEWREZ-Shellpoint on time, every month. Approximately around early XXXX I get notice from XXXX XXXX that my credit score went down XXXX points because I am 30 -60 days late on my mortgage. NEWREZ-Shellpoint is not reporting my payments to credit bureau XXXX I have a copy of all cleared payments of my bank as a proof that everything was paid on-time. NEWREZ-Shellpoint is violating a law. According to FCRA they are violating these laws : 15 U.S.C. 1681 : Governs access to consumer credit report records and promotes accuracy, fairness, and privacy 15 U.S.C. 1679c : A disclosure law

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, Transunion and XXXX are reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court. 

Specifically, XXXX, Transunion and XXXX are relying on XXXX XXXX, not the Court, and are reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. The information is different and inaccurate. 

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX, XXXX and Experian are reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court.

Specifically, XXXX, XXXX and Experian are relying on XXXX XXXX, not the Court, and are reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. The information is different and inaccurate. 

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.

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 2024-10-12 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: TX

Complaint narrative:
Subject : Immediate Action Required for Violation of 15 USC 1681e ( b ) and 15 USC 1681n Dear Equifax Dispute Department, I am writing to demand the immediate deletion of the inaccurate and duplicate account information reported by XXXX XXXX XXXX ( Account # XXXX ) on my credit report. This duplicate reporting is a clear violation of the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information they report. 

Equifax has failed in this duty by allowing duplicate entries for this account to appear on my report. This not only damages my credit standing but also violates my rights under federal law. Furthermore, I remind you that under 15 USC 1681n, any willful noncompliance with these obligations makes you liable for actual damages, statutory damages, punitive damages, and attorneys fees. 

I demand that Equifax delete this duplicate account information immediately. Failure to comply with this request will leave me no choice but to pursue legal action for each and every violation of the Fair Credit Reporting Act. This includes seeking damages for the harm caused by your continued negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
i am a very XXXX  person battleing XXXX, that being said i have hired a XXXX XXXX XXXX to take care of me for the past XXXX  years, and XXXXXXXX XXXX XXXX  years of age has stolen my personal information to get credit cards under my name. and using my personal bank account to pay small payments using my personal checking account. i have filed all compliants to everyone to support my claim in this matter, please take the time to review my claim for fraudulant accounts opened in my name!. 
thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-12 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:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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.

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.

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

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


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


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not believe that the debt that is being reported on my credit report is valid.

Company response to consumer: Closed with explanation