vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-20 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-20 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: MA

Complaint narrative:
For the past two months, I have reached out to your company in regards with these accounts reporting on my credit and couldn't help but feel saddened as I fear that I am being ignored. These accounts have negatively impacted me and my credit scores- causing me so much damage that I can barely have the guts to apply for a new loan.

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 2024-09-20 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: ID

Complaint narrative:
I looked over my consumer report and I noticed accounts that shouldn't be reporting. I called the credit reporting agencies and let them know the accounts included in the documents attached are not to be visible. I have never given written consent to report at anytime.

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 2024-09-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-20 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-20 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-20 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: PA

Complaint narrative:
I am writing to express my frustration and disappointment regarding the handling of my previous dispute related to unauthorized inquiries on my credit report. While you successfully removed several inquiries, it has come to my attention that one inquiry remains, and the previously removed inquiries have been reinserted without proper notification or justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
First of all, i am peruvian resident. I was looking for a remote job in XXXX, and a person : XXXX XXXX told me that i need to contact to XXXX of We Work Remotly in order to do some work. When i finished, XXXX give me a telegram of XXXX XXXX who is the person who do the payment. She send me an email of XXXX XXXX Bank where said that i need to have in my account XXXX XXXX  availables to recieve my payment and give me a telegram of financial department of XXXX XXXX. When i contact, cause its my first time working at home for " XXXX '', the account of that person have the icon of verified and the picture of the bank, so for me thats ok cause its reliable. When i contact with the person, he or she, cause i dont know, told me that i need to have the money and send photos of my ID, electricy facturation and also a selfie. I gave him everything including a screenshot for my account where he can see that i have the money to pay the fee. He told me that the bank needs to buy XXXX in different platforms, I did it. And when I finish, he told me that he is going to give me the authorization of the bank to recieve my payment in a few minutes. After that, send me an email of : XXXX telling me that its neccesarilly to have another amount because XXXX needs to know that I have to pay another fee, and its around XXXX XXXX XXXX. When I saw the document inmediately and read what they were asking me for, I immediately realized it was a scam. The problem here its that they use service channels that are verified, to be more specific : XXXX. I know i was really naive, but i really need the money thats why I accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: SC

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I just got letter from Synchrony Bank for my XXXX XXXX XXXX XXXX ending XXXX. I am using XXXX XXXX XXXX apps and make payment through mobile apps. In letter dated XX/XX/year> stating after review of your account Synchrony bank decided to close my account the reason is " The number of dishonored payments on this account " and I called they said your checking account number is not valid and payment didi not go through, but without any notification to me and now they closed account and send me letter in mail. advice me reapply again.

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 2024-09-20 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: NY

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
My account with 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 in 60 days 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.

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 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 2024-09-20 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: PA

Complaint narrative:
I am reaching out for assistance regarding the inaccurate account reflected on my credit report. This has caused damage to my reputation, and I require your help. The mistakes in handling my credit report have left me in a difficult situation and harmed my reputation. You must remove this incorrect information immediately.

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 2024-09-20 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX # XXXX. HAS VIOLATED MY RIGHTS. 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.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am writing to formally request your assistance in addressing and rectifying an issue with XXXX XXXX, who is unlawfully and illegally reporting false information on my credit report. These inaccurate reports are significantly diminishing my creditworthiness and causing substantial harm to my financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to report accurate and verified information to credit bureaus. In my case, XXXX XXXX is reporting false information related to the debt at hand. 

Furthermore, I would like to emphasize that I have never signed any written agreement or contract with this company. The reporting of this account and any associated obligations without a legally binding agreement is in clear violation of my rights under the law. Without a valid contract or written consent, XXXX XXXX has no legal grounds to report this debt or any related information to the credit bureaus. 

I have attempted to resolve this matter directly with XXXX XXXX, but they have failed to correct this erroneous information. Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information, and the reporting creditor is obligated to investigate and rectify these inaccuracies. Their continued reporting of false information violates the law and is causing unjust harm to my credit. 

I respectfully request that the CFPB investigate this matter promptly and require XXXX XXXX to remove these unlawful entries from my credit report. The presence of this inaccurate information is causing significant hardship in my financial life, and I am seeking immediate relief. 

Please let me know if you need any further documentation or information to support your investigation. I appreciate your time and attention to this urgent issue and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I dont understand this new bill that has taken affect regarding lowering late charges on credit cards. I have not seen one of my cards, capital one, XXXX XXXX XXXX XXXX XXXX lower any late charges. In fact they are usually {$40.00}. Who does this apply to?? And why am I still being charges this much?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-20 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: MA

Complaint narrative:
For the past two months, I have reached out to your company in regards with these accounts reporting on my credit and couldn't help but feel saddened as I fear that I am being ignored. These accounts have negatively impacted me and my credit scores- causing me so much damage that I can barely have the guts to apply for a new loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ADP Inc.
State: IN

Complaint narrative:
My wallet got stolen, and someone used my debit card to set up a XXXX XXXX account and take money out of an ATM twice, which I didnt approve. I havent been able to use XXXX XXXX since XXXX. I reached out to Wisely, the financial company, and filed a dispute on XX/XX/XXXX. On XX/XX/XXXX, I emailed them a written statement explaining the transactions I was disputing. By the tenth business day, they still hadnt finished the investigation or given me a provisional credit. When I called them, they said Id get it by the end of the day, but that didnt happen. I called again on the XXXX, and they told me Id get it in XXXX hours. That didnt happen either. I called on the XXXX, and they said the same XXXX hoursbut nothing came. I called again this morning, and they gave me the same response : XXXX hours. This is not okay because under Regulation E, theyre supposed to provide the provisional credit by the 10th business day after the dispute is filed. They keep breaking this rule, acting like they dont have to follow federal regulations. I find this unfair, especially since they let someone steal my money in the first place, and now they keep lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: MI

Complaint narrative:
6 unauthorized inquiries were spotted on my report, I filed a complaint a week ago after I uploaded my social security card and front & back Driver 's License to XXXX, after speaking with XXXX of Transunion she could not confirm receiving my ID verification and I couldn't recall submitting it with my last CFPB complaint # XXXX XXXX, so i will be sure to load them up now. Trans Union 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 2024-09-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called the experian credit reporting agency to resolve an issue I'm having with my account. Their automated system kept cycling me throught the system instead of connecting me to a specialist, as I requested. This has caused a significant amount of time to be wasted, as well as the account resolution still being an issue. Now people may have access to my credit report because their system would not allow me to change my contact number!!!

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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