vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX / XXXX XXXX Bank # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: UT

Complaint narrative:
I am griteing to disputed accounts on my credit report that were whithout my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching FTC Report Number : XXXX to this communication to further support my complaint and provide additional evidence relevant to the matter. This report contains critical information that substantiates my claims and highlights the need for a thorough review and investigation of this case. I appreciate your prompt attention and resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: PR

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number. 

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit file. In these disputes, I identified specific accounts and detailed the violations of my consumer rights. Despite this, over 30 days have passed without a proper response or resolution from your end.

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( b ), it is required that disputed accounts be marked as such, which has not been done. Furthermore, the FCRA 605 ( c ) has been violated as the date of last activity on this account is inaccurately reportedit should reflect the actual last payment date.

Additionally, this account remains unvalidated despite my requests, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) per the FTCs opinion. Copies of all previous correspondence regarding this matter are attached for your reference. 

I demand immediate action to rectify these inaccuracies and violations. Kindly provide me with a corrected credit report reflecting the resolution of this 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit file. In these disputes, I identified specific accounts and detailed the violations of my consumer rights. Despite this, over 30 days have passed without a proper response or resolution from your end.

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( b ), it is required that disputed accounts be marked as such, which has not been done. Furthermore, the FCRA 605 ( c ) has been violated as the date of last activity on this account is inaccurately reportedit should reflect the actual last payment date.

Additionally, this account remains unvalidated despite my requests, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) per the FTCs opinion. Copies of all previous correspondence regarding this matter are attached for your reference. 

I demand immediate action to rectify these inaccuracies and violations. Kindly provide me with a corrected credit report reflecting the resolution of this 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 non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
XXXX XXXX is knowingly reporting inaccurate data to the credit bureaus. My credit profile is affected by this inaccurate reporting which is SUSPICIOUS and DECEPTIVE. The account is showing closed yet late payments are being reported from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. Then in XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, an unknown status is reported. Which one is it? Lastly, if the account was charged off, then they reported the account as a reduction in income to the IRS and should be reporting a XXXX balance instead of the balance they are showing. I require the full GAAP accounting for this account. The balances are incorrect. 

By XXXX XXXXXXXX XXXX own admission the account was closed on XX/XX/XXXX, per the attached letter from them dated 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 explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
XXXX XXXX is knowingly reporting inaccurate data to the credit bureaus. My credit profile is affected by this inaccurate reporting which is SUSPICIOUS and DECEPTIVE. The account is showing closed yet late payments are being reported from XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Then in XX/XX/XXXXXXXX XXXX XXXX XXXX, an unknown status is reported. Which one is it? Lastly, if the account was charged off, then they reported the account as a reduction in income to the IRS and should be reporting a XXXXXXXX XXXX instead of the balance they are showing. I require the full GAAP accounting for this account. The balances are incorrect. 

By XXXX XXXXXXXX XXXX own admission the account was closed on XX/XX/XXXX, per the attached letter from them dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
XXXX XXXX is knowingly reporting inaccurate data to the credit bureaus. My credit profile is affected by this inaccurate reporting which is SUSPICIOUS and DECEPTIVE. The account is showing closed yet late payments are being reported from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Then in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, an unknown status is reported. Which one is it? Lastly, if the account was charged off, then they reported the account as a reduction in income to the IRS and should be reporting a XXXX balance instead of the balance they are showing. I require the full GAAP accounting for this account. The balances are incorrect. 

By XXXX XXXX XXXX own admission the account was closed on XX/XX/XXXX, per the attached letter from them dated 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX. Chase bank decided on a whim to close 5 of my credit cards. 2 were personal cards. 3 were business cards and 1 of them included a business card for my wife.

They stated they didnt agree with my spending habits. But did not specify. Since then we can not get any chase products. 

We have no history of fraudulent activity. No breaking of the rules for spend. And have never been late, over drawn, or had any negatives on our accounts. 

This is absurd. And hindering my ability to do business and scale. This discrimination has cost me and my company $ XXXX of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I've havent been able to use the card since XX/XX/year> citing I've exceeded my daily spending limit. I've been told that I've exceeded the annual deposit limit then told I've exceeded the annual spending limit. All of these things have been confirmed to be inaccurate according to the XXXX XXXX that opened a case and was supp [ osed to call me back on XX/XX/year> and did not. That has cause a significant hardship for me and my family. I need this resolved as soon as possible and if not I'm going to look into further my legal action against this company for both deposit accounts that are holding my money. 
American Express Serve {$1700.00} American express Serve Visa {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Late payment Account # XXXX XXXX XXXX  ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that [ Auto Loan Account # XXXX ] reflects a late payment for the period of [ XX/XX/year> ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. [ Include any details about why you believe the payment was made on time, such as receipts, bank statements, or account records. ] Under 15 U.S. Code 1681e B- Compliance procedures It states ( 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.

According to my records, the payment for the aforementioned period was made on [ XX/XX/year> ] via [ cash deposit ] and was processed without delay. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim.

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I bought a car XX/XX/2014 I went with credit acceptance XXXX XXXX I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it took me 4 more yrs to get my XXXX  right I had a XXXX XXXX XXXX XXXX XXXX and a lot more I only owed XXXX XXXX and the car lawsuit is still going on credit acceptance added fees intrest even though they new I was XXXX XXXXXXXX  so for a XXXX car they have taken XXXX XXXX from me so far and requested a nother XXXX XXXX can u please help I saw they did this to others and you sued them I am on XXXX and this is out of control

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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