vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: DC

Complaint narrative:
I am writing to formally lodge a complaint against XXXXXXXX XXXX for incorrect credit reporting and what I believe to be predatory practices in relation to my mortgage account. 

In XX/XX/XXXX, I was granted an unemployment forbearance that was effective from XX/XX/XXXX, until XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX, stating that I had a late payment recorded from XX/XX/XXXX. As a result of this, I was shocked to find a 120-day late payment indicator on my credit reports from the major credit bureaus for XX/XX/XXXX. 

Following the conclusion of the unemployment forbearance, I was granted a loan modification that took effect from XX/XX/XXXX, to XX/XX/XXXX. I made all required payments during this time, yet my credit reports from the XXXX major credit bureaus reflect XXXX late indicators for these dates. 

I am highly concerned about the following issues : 1. The 120-day late payment indicator for XX/XX/XXXX, which should not have been reported due to my unemployment forbearance. 
XXXX. The subsequent 150-day late indicators and beyond, which seem to be erroneous given my forbearance and loan modification. 
XXXX. Additionally, for XX/XX/XXXX, I made my payment online on XX/XX/XXXX, yet I received a 30-day late payment indicator reported to the three major credit bureaus. 

These inaccuracies have significantly impacted my credit score and financial wellbeing. I believe these practices may violate the Fair Credit Reporting Act and potentially indicate predatory behavior on the part of XXXXXXXX XXXX 

I request that your office investigate this matter and assist in correcting the inaccuracies on my credit reports. I have attached copies of relevant documentation, including the forbearance agreement and payment records, for your review. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Attachments : 1. Copy of the unemployment forbearance agreement 2. Copy of loan modification XXXX. Proof of payment on XX/XX/XXXX Please let me know if any further information or documentation is required to facilitate the investigation. I appreciate your support in rectifying these discrepancies and protecting my consumer rights. 

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

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 2024-12-27 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: DC

Complaint narrative:
I am writing to formally lodge a complaint against XXXXXXXX XXXX for incorrect credit reporting and what I believe to be predatory practices in relation to my mortgage account. 

In XX/XX/XXXX, I was granted an unemployment forbearance that was effective from XX/XX/XXXX, until XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX, stating that I had a late payment recorded from XX/XX/XXXX. As a result of this, I was shocked to find a XXXX late payment indicator on my credit reports from the major credit bureaus for XX/XX/XXXX. 

Following the conclusion of the unemployment forbearance, I was granted a loan modification that took effect from XX/XX/XXXX, to XX/XX/XXXX. I made all required payments during this time, yet my credit reports from the XXXX major credit bureaus reflect XXXX late indicators for these dates. 

I am highly concerned about the following issues : 1. The 120-day late payment indicator for XX/XX/XXXX, which should not have been reported due to my unemployment forbearance. 
2. The subsequent 150-day late indicators and beyond, which seem to be erroneous given my forbearance and loan modification. 
XXXX. Additionally, for XX/XX/XXXX, I made my payment online on XX/XX/XXXX, yet I received a 30-day late payment indicator reported to the three major credit bureaus. 

These inaccuracies have significantly impacted my credit score and financial wellbeing. I believe these practices may violate the Fair Credit Reporting Act and potentially indicate predatory behavior on the part of XXXXXXXX XXXX 

I request that your office investigate this matter and assist in correcting the inaccuracies on my credit reports. I have attached copies of relevant documentation, including the forbearance agreement and payment records, for your review. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Attachments : 1. Copy of the unemployment forbearance agreement 2. Copy of loan modification XXXX. Proof of payment on XX/XX/XXXX Please let me know if any further information or documentation is required to facilitate the investigation. I appreciate your support in rectifying these discrepancies and protecting my consumer rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to formally lodge a complaint against XXXXXXXX XXXX for incorrect credit reporting and what I believe to be predatory practices in relation to my mortgage account. 

In XX/XX/XXXX, I was granted an unemployment forbearance that was effective from XX/XX/XXXX, until XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX, stating that I had a late payment recorded from XX/XX/XXXX. As a result of this, I was shocked to find a 120-day late payment indicator on my credit reports from the major credit bureaus for XX/XX/XXXX. 

Following the conclusion of the unemployment forbearance, I was granted a loan modification that took effect from XX/XX/XXXX, to XX/XX/XXXX. I made all required payments during this time, yet my credit reports from the three major credit bureaus reflect 180-day late indicators for these dates.

I am highly concerned about the following issues : 1. The 120-day late payment indicator for XX/XX/XXXX, which should not have been reported due to my unemployment forbearance. 
2. The subsequent 150-day late indicators and beyond, which seem to be erroneous given my forbearance and loan modification. 
3. Additionally, for XX/XX/XXXX, I made my payment online on XX/XX/XXXX, yet I received a 30-day late payment indicator reported to the three major credit bureaus. 

These inaccuracies have significantly impacted my credit score and financial wellbeing. I believe these practices may violate the Fair Credit Reporting Act and potentially indicate predatory behavior on the part of XXXXXXXX XXXX 

I request that your office investigate this matter and assist in correcting the inaccuracies on my credit reports. I have attached copies of relevant documentation, including the forbearance agreement and payment records, for your review. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Attachments : 1. Copy of the unemployment forbearance agreement 2. Copy of loan modification 3. Proof of payment on XX/XX/XXXX Please let me know if any further information or documentation is required to facilitate the investigation. I appreciate your support in rectifying these discrepancies and protecting my consumer rights. 

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

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
XXXX XXXX, ss # XXXX Chime account number XXXX Credit builder, savings and checking Phone number XXXX Address XXXX XXXX XXXX XXXX, AL. XXXX XXXX On XX/XX/year>, I ordered a case of XXXX XXXX XXXX XXXX  for {$140.00} from XXXX XXXX XXXX in XXXX, Al online and I received a cancelation email for order # XXXX from them XXXX hours and that my funds would be returned back to my card ending numbers # XXXX which is my credit builder credit card with Chime Financial. 

XX/XX/XXXX I received a notification from Chime with Update on your pending charge : {$140.00} pending charge for XXXX has been removed and added back to your balance. Original transaction XX/XX/XXXX at XXXX - {$140.00}, XXXX removed XX/XX/XXXX at XXXX + {$140.00}. But the transaction was not completed by XXXXXXXX XXXX XXXX  yet and the funds not refunded to my account because it would take up to 5 to 7 days. I have a screenshot of that notification from Chime. 

The refund was completed on XX/XX/XXXX and I have a screenshot {$140.00} samsclub.com Pending transaction removed : This transaction originally appeared on your account as pending. The amount has been added back to your balance. It's XX/XX/XXXX, and I am still waiting for the {$140.00} to be added back to my account. I've reached out to Chime and XXXX XXXX several times concerning this matter with no resolution. Tuesday XX/XX/XXXX someone from and Chime and XXXX XXXX were supposed to call me but that has yet to happen with this matter. 

I am XXXX XXXX from the XXXX and receive service-connected XXXX benefits from the VA once a month, so I don't have money for someone to take from me in any matter. Please get in contact with me concerning this matter at XXXX and my email address is XXXX. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I never authorized inquires listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Experian Information Solutions 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 2024-12-27 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
After reviewing my credit profile I noticed several fraudulent items on my credit report per15 u.s code 1681b permissible purpose of consumer report I have listed all items on my ftc report EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> amount {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$590.00} XXXX XXXX XXXX XXXX ( XXXX ) opened XX/XX/year> amount {$330.00} XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> amount XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$590.00} XXXX XXXX XXXX XXXX ( XXXX ) opened XX/XX/year> amount {$330.00} XXXX XXXX XXXX  ( XXXX ) opened XX/XX/year> amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$590.00} XXXX XXXX XXXX XXXX ( XXXX ) opened XX/XX/year> amount {$330.00} XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> amount 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 2024-12-27 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: AK

Complaint narrative:
I disputed closed accounts on my credit report there were several that are now closed they won't remove them I wanted these removed acct numbers XXXX, XXXX I'd like the credit bureaus to remove them. These companies are violating my consumer rights by using false misleading misrepresentation deceptive means.

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 2024-12-30 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: DC

Complaint narrative:
I received my loan forgiveness letter on XX/XX/year>. I called XXXX to state that my department of education loans are still showing a balance on my credit report and has not been XXXX out. The rep in XXXX 's credit department stated it should be taken care of in the first week in XXXX and please recheck then. I checked back the first week in XXXX and I am still showing a balance. Moreover, I filed a dispute with the credit bureau in late XXXX and provided a copy of the forgiveness letter and all XXXX did was correct the owed balance. Again, they did not XXXX  out the amount to show it was paid off. When I called XXXX about this, they are now telling me it will take 90 business days to refund me money and to update my credit. This is shocking because this is nowhere in writing in my letter, and I am only being told this because I called multiple times to see why I was getting the run around.

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 2024-12-30 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: DC

Complaint narrative:
I received my loan forgiveness letter on XX/XX/year>. I called XXXX to state that my department of education loans are still showing a balance on my credit report and has not been XXXX out. The rep in XXXX 's credit department stated it should be taken care of in the first week in XXXX and please recheck then. I checked back the first week in XXXX and I am still showing a balance. Moreover, I filed a dispute with the credit bureau in late XXXX and provided a copy of the forgiveness letter and all XXXX did was correct the owed balance. Again, they did not XXXX  out the amount to show it was paid off. When I called XXXX about this, they are now telling me it will take 90 business days to refund me money and to update my credit. This is shocking because this is nowhere in writing in my letter, and I am only being told this because I called multiple times to see why I was getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: DC

Complaint narrative:
I received my loan forgiveness letter on XX/XX/year>. I called XXXX to state that my department of education loans are still showing a balance on my credit report and has not been XXXX out. The rep in XXXX 's credit department stated it should be taken care of in the first week in XXXX and please recheck then. I checked back the first week in XXXX and I am still showing a balance. Moreover, I filed a dispute with the credit bureau in late XXXX and provided a copy of the forgiveness letter and all XXXX did was correct the owed balance. Again, they did not zero out the amount to show it was paid off. When I called XXXX about this, they are now telling me it will take XXXX business days to refund me money and to update my credit. This is shocking because this is nowhere in writing in my letter, and I am only being told this because I called multiple times to see why I was getting the run around.

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 2024-12-27 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Resolutions, LLC
State: CA

Complaint narrative:
I separated employment from XXXX XXXX XXXX  in XXXX of 2024 due to a family relocation. At that time, the firm was not licensed to do business in California, if they were I would have stayed. Upon joining the firm in XXXX of 2024 I was paid an hourly wage which was clawed back against commissions earned. The company also paid a sign on bonus spread out over XXXX pay periods, which the company earned back due to performance. 

The company reported through a collections company that I still owed that {$10000.00}, which is incorrect. I spoke with the companys legal team and they were supposed to provide documentation but they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I have my XXXX XXXX  that basically ruined my life in a lot of ways, now I am seeing that he also used my credit and I have stuff on my credit that isn't mine. I want that stuff to be off my credit

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 2024-12-27 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 have my XXXX XXXX that basically ruined my life in a lot of ways, now I am seeing that he also used my credit and I have stuff on my credit that isn't mine. I want that stuff to be off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: AL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information on the best of their ability with maximum accuracy. I have never been late on payment for the account for that i have included in the screenshot inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks, please see screenshot attached.

Company response to consumer: Closed with explanation