vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: KS

Complaint narrative:
XXXX XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to XXXX XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with XXXX was closed on XX/XX/2024 after notifying XXXX to effectively shut the account down. XXXX notified Transunion that the account was closed on the above date. XXXX failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

XXXX shows XXXX as being currently open and active and has an update on XX/XX/2024. XXXX shows all payments have been made on time without issue. XXXX shows that a payment made for XXXX of 2024 was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on XXXX as well proving that XXXX has failed to follow 15 USC and properly report credit to protect consumers.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to XXXX XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with XXXX was closed on XX/XX/year> after notifying XXXX to effectively shut the account down. XXXX notified XXXX that the account was closed on the above date. XXXX failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

XXXX shows XXXX as being currently open and active and has an update on XX/XX/year>. XXXX shows all payments have been made on time without issue. XXXX shows that a payment made for XXXX of XXXX was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on Equifax as well proving that XXXX has failed to follow 15 USC and properly report credit to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: KS

Complaint narrative:
XXXX XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to XXXX XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with XXXX was closed on XX/XX/year> after notifying XXXX to effectively shut the account down. XXXX notified XXXX that the account was closed on the above date. XXXX failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

Experian shows XXXX as being currently open and active and has an update on XX/XX/year>. Experian shows all payments have been made on time without issue. Experian shows that a payment made for XXXX of XXXX was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on XXXX as well proving that XXXX has failed to follow 15 USC and properly report credit to protect consumers.

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 2024-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
law clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello sir.
This is XXXX XXXX someone take my stattlement money chack.i dont know where it go who has it.i cant find anything please help me with me.i dont know someone got or someone cash.i have to find out which chack they sent and j didnt received it.or sbi chack.
Please chack under my name anything let me know or please help to get my sattlememt money or sbi chack.
XXXX XXXXXXXX.
Please reply me urgent get my money back.

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 2024-09-24 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: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX  which falls under XXXX according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : 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 non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-09-24 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: EdFinancial Services
State: TX

Complaint narrative:
My loans were transferred from XXXX to Edfinancial and I was informed that I would be placed on Administrative Forbearance with no interest accruing. However, interest did accrue and my payments ever since have been applied incorrectly. Furthermore, during the transfer, I was informed by Edfinancial that everything would be the same and autopay would commence as I previously had it and no action was required. They maliciously did not inform me that interest would accrue starting on XX/XX/year> and did not provide me with the option to adjust my payment date to account for the interest that would accrue. Now my interest has snowballed and I now owe way more interest than my monthly payment can cover. When I was with the XXXX, this was not case, I had at least 15 % -20 % of my payment going towards principal. I sent several requests to have my account fully reviewed and calculated between the transfer from XXXX under no interest and my first payment and each time I recieve a response that doesnt not provide that information or handle my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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 would like to inform XXXXXXXX XXXX reporting personal information I did not authorize our did not give consent to collect or give any permission to give to anyone or business would like all information to be deleted. under 15 U.s.c. 1681s-2 ba ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against XXXX, XXXX, and Equifax to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX. XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, XXXX, and Equifax ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Has violated my right. 
15 U.S.C 1681Section 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 instruction.

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 2024-09-24 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX, Has violated my right. 
15 U.S.C 1681Section 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 instruction.

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 2024-09-24 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: MD

Complaint narrative:
All XXXX XXXX XXXX XXXX XXXX, XXXX and Experian ) are fraudulently reporting illegal in accuracies. Per the FCRA, 16 CFR 313.7, Privacy Act of 1974, as federally protected consumer, I have opted out of any and all authorization, that I may have granted in written or unwritten, verbal or nonverbal for my accounts negatively and fraudulently continue to be reported. Per 15 U.S.C. 1681, U.S.C. 1681b & 1681e, 15 U.S.C. 6801-6802, and 15 U.S.C. 6803-6805. The attached IRS Forms 1099Cs which were sent by the companies ( see top of documents ) which should have been processed by the companies using the IRS Forms 1099 OID, Form 1096, and Form 1040-V. I would like to also mention the charge-offs are now considered certificates of indebtedness which means they are considered income and can not be reported as debts which they continue to be illegally reported as debts. 

It appears the CRA agencies are allowing the companies to continue to report for XXXX when in fact all accounts were resolved in XXXX. This is inaccurate, illegal reporting. 
REFERENCE 15 USC 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority

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 2024-09-24 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: AZ

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXXXXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : The XXXX XXXX XXXXXXXX online system had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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