vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: MN

Complaint narrative:
On XXXX XXXX XXXXXX/XX/XXXX, an unauthorized transaction occurred on a XXXX XXXX XXXX XXXX XXXX credit card for {$55.00}, which I disputed with XXXX. Despite contacting XXXX multiple times, including on XX/XX/XXXX, to report the issue, they mishandled the case, failed to open a proper investigation, reported inaccurate late payment info on the credit bureaus, and violated the Fair Credit Reporting Act ( FCRA ) and exceeding the 30-day resolution requirement and not notifying credit bureaus of the dispute. On XX/XX/XXXX, I escalated the issue to the CFPB. On XX/XX/XXXX, XXXX admitted mishandling the dispute over the phone via XXXX XXXX XXXX ( their Fraud and disputes + investigations phone number provided by XXXX. ) As the CFPB response states : they granted a {$50.00} credit, but still left the remaining {$5.00} for the same unauthorized fraudulent transaction which resulted in multiple late payments reported. FNBO acknowledges and confirms that the address for the card with the fraud, is in fact NOT my address. They also stated it may take another 60 days to investigate from XXXXfurther violating the FCRA . I demand immediate removal of derogatory credit reporting and compliance with the law. They have identified that the address of the card is not my address. & have received a Notarized Affidavit, FTC Report, ID theft report, and written statement ; verifiable by certified mail. This {$55.00} charge is the only charge on the account. This has been ongoing for 15+ months and is damaging my credit and health & wellness . Please remove the late payments and negative remarks from the credit bureaus and data furnishers immediately ; and cease violating the FCRA, laws, and compliance. ( Previous. CFPB complaint number : XXXX ) ( XXXX Case Number : XXXX ) .... included attached is the previous CFPB report, and a copy of certified mail received by XXXX including an FTC report , ID theft report, Notarized Affidavit of truth ( legally sufficient replacement for police report ), ID verification, and relevant dispute information.

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 2024-12-20 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: MN

Complaint narrative:
On XX/XX/XXXX, an unauthorized transaction occurred on a XXXX XXXX XXXX Sun XXXX credit card for {$55.00}, which I disputed with XXXX. Despite contacting XXXX multiple times, including on XX/XX/XXXX, to report the issue, they mishandled the case, failed to open a proper investigation, reported inaccurate late payment info on the credit bureaus, and violated the Fair Credit Reporting Act ( FCRA ) and exceeding the 30-day resolution requirement and not notifying credit bureaus of the dispute. On XX/XX/XXXX, I escalated the issue to the CFPB. On XX/XX/XXXX, XXXX admitted mishandling the dispute over the phone via XXXX XXXX XXXX ( their Fraud and disputes + investigations phone number provided by XXXX. ) As the CFPB response states : they granted a {$50.00} credit, but still left the remaining {$5.00} for the same unauthorized fraudulent transaction which resulted in multiple late payments reported. XXXX acknowledges and confirms that the address for the card with the fraud, is in fact NOT my address. They also stated it may take another 60 days to investigate from XXXXfurther violating the FCRA . I demand immediate removal of derogatory credit reporting and compliance with the law. They have identified that the address of the card is not my address. & have received a Notarized Affidavit, FTC Report, ID theft report, and written statement ; verifiable by certified mail. This {$55.00} charge is the only charge on the account. This has been ongoing for 15+ months and is damaging my credit and health & wellness . Please remove the late payments and negative remarks from the credit bureaus and data furnishers immediately ; and cease violating the FCRA, laws, and compliance. ( Previous. CFPB complaint number : XXXX ) ( XXXX Case Number : XXXX ) .... included attached is the previous CFPB report, and a copy of certified mail received by XXXX including an FTC report , ID theft report, Notarized Affidavit of truth ( legally sufficient replacement for police report ), ID verification, and relevant dispute information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-20 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-20 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: MO

Complaint narrative:
My credit report contains accounts that are inaccurate and should not be associated with my name. This is not only unfair, but also deeply troubling, as I have never authorized or been involved with the activities linked to these accounts. If you fail to investigate and correct these errors, I will have no choice but to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Creditor : XXXX XXXX ( Debt Collector IC Systems, Inc. ) Reported Date Opened : XXXX. 
Actual Date Opened : XXXX Invalid Debt Amount : {$3900.00} The debt in question pertains to XXXX XXXX XXXX  equipment that I returned in XX/XX/XXXX upon moving from my apartment as my new address was not zoned for XXXX XXXX XXXX XXXX Despite this, a debt associated with this account is being reported as opened in XXXX. 

The account is inaccurately listed as opened in XXXX, whereas it was originally established in XXXX. 

I have contacted XXXX XXXX XXXX multiple times to request the removal of this debt and to assist in locating the returned equipment as well as correcting the account opening date. Unfortunately, they have refused to provide the necessary documentation and have not updated the account information as requested. 

Over the years, the interactions with XXXX XXXX XXXX have been unproductive, with representatives refusing to provide necessary documentation or update the account information. Working with XXXX XXXX XXXX has been challenging, and no one has been helpful in investigating this matter. 

This inaccurate information is adversely affecting my creditworthiness and causing undue stress. I kindly request the CFPB 's assistance in investigating this matter and facilitating the correction of my credit report. ( Removal of the invalid debt associated with XXXX XXXX XXXX ) Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Profesional Credit Service sent me a letter that I was {$1600.00} in debt when I dont know how that could be possible because I never even did anything. I think it could be identity theft because I dont have a bank account and never did anything that would put me in debt. I owe them money on someone else 's debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-12-20 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: GA

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Agency : I am writing to formally request the removal of an unverifiable and inaccurate account from my credit report as reported by XXXX, XXXX, and TransUnion. This account, XXXX XXXX XXXX XXXX in the amount of {$11000.00}, has been investigated and subsequently deleted from my XXXX credit report as of XX/XX/year>. 

As mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy in their reporting. XXXX has verified during their investigation that this account is unverifiable and has deleted it from my credit file. Therefore, this same standard of accuracy and verification applies to your agency, and you are now required to follow suit in accordance with the FCRA. 

Additionally, 15 U.S. Code 1681i ( a ) obligates you to reinvestigate and remove any disputed information that can not be verified within a reasonable period of time, typically 30 days. The deletion of this account by XXXX constitutes sufficient evidence that this account can not be verified and, thus, can not legally remain on my credit report. 

Please consider this letter as my formal dispute of this account with your agency. I kindly request that you take the following actions : Delete the XXXX XXXX XXXX account entirely from my credit report within 30 days or less. 

Provide written confirmation that the account has been removed or the results of your investigation. 

Failure to comply with this request within the specified time may result in my pursuing legal remedies, as permitted under 15 U.S. Code 1681n and 15 U.S. Code 1681o. These provisions of the FCRA allow me to seek damages for noncompliance, including but not limited to statutory damages, actual damages, court costs, and attorney 's fees. 

I have attached a copy of the updated XXXX credit report reflecting the deletion of this account for your reference. Please consider this documentation as evidence in support of my request. 

I look forward to your timely compliance and written confirmation of the removal of this account from my credit report. Should you require any additional information to process this dispute, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my credit report. I want the fraudulent accounts removed immediately because they hurt my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are still in litigation. Ive contacted you repeatedly to address this issue, but nothing has been resolved.

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 2024-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MS

Complaint narrative:
I have been contacting Mohela since XX/XX/2024 about my loans being discharged. I have contacted the company by phone and email on several occasions requesting the deletion of my student loans or updating the loans to XXXX  balance on my credit report since XX/XX/2024 and nothing still has not been done. I think six months is ample time to resolve this type of issue. I am applying for a home and the mortgage lenders keep adding these loans to my debt-to-income ratio because they still exist with a balance on my credit reports which significantly hurts my approval amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account previously listed on my credit report by XXXX, XXXX, and Transunion. Specifically, I disputed a charge-off account from XXXX XXXX XXXX XXXX on my XXXX secondary credit report. After completing their investigation on XX/XX/year>, XXXX fully deleted the account from my report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the verification of disputed information, XXXX deletion of this account indicates that the information could not be verified. As such, this unverifiable account must also be removed from my credit report with your agency to ensure compliance with the FCRA. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy in consumer reports. If XXXX, a recognized consumer reporting agency, has deleted this account due to its unverifiability, it stands to reason that your agency must take similar action to ensure compliance with federal law. 

If this account is not removed within 30 days, I reserve the right to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA. These provisions allow for statutory damages, attorneys fees, and costs in cases of noncompliance. 

Please consider this letter a formal dispute and request for deletion of the unverifiable account. I expect the removal of this account within 30 days or less to avoid further escalation. Attached to this letter, you will find supporting documentation, including proof of XXXX deletion of the account, for your reference. 

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide written confirmation once the account has been removed. Should you require further information, do not hesitate to contact me at the above-listed email or phone 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 non-monetary relief
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account previously listed on my credit report by Equifax, XXXX, and XXXX. Specifically, I disputed a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX secondary credit report. After completing their investigation on XX/XX/year>, XXXX fully deleted the account from my report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the verification of disputed information, XXXX deletion of this account indicates that the information could not be verified. As such, this unverifiable account must also be removed from my credit report with your agency to ensure compliance with the FCRA. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy in consumer reports. If XXXX, a recognized consumer reporting agency, has deleted this account due to its unverifiability, it stands to reason that your agency must take similar action to ensure compliance with federal law. 

If this account is not removed within 30 days, I reserve the right to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA. These provisions allow for statutory damages, attorneys fees, and costs in cases of noncompliance. 

Please consider this letter a formal dispute and request for deletion of the unverifiable account. I expect the removal of this account within 30 days or less to avoid further escalation. Attached to this letter, you will find supporting documentation, including proof of XXXX deletion of the account, for your reference. 

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide written confirmation once the account has been removed. Should you require further information, do not hesitate to contact me at the above-listed email or phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
My account was never late! I have had exceptional payment history 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.

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!

Update 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