vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
Validation, Request to Remove Account XXXX XXXX XXXX Account # XXXX Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted, FCRA recently ruled removal.

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 2025-01-10 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: FL

Complaint narrative:
Validation, Request to Remove Account XXXX XXXX XXXX Account # XXXX Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted, FCRA recently ruled removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-10 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: AZ

Complaint narrative:
A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on my credit report.

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 2025-01-10 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: CA

Complaint narrative:
I have reported this inaccurate information in an effort to resolve the issue, as it has significantly impacted my personal life and caused me mental distress. These fraudulent items on my consumer report have prevented me from achieving important goals, such as purchasing my dream car and adequately providing for my family. 

I am a victim of identity theft, and these items do not belong to me. I did not consent to the reporting of this information on my consumer report. I have attached my letter and the FTC report as evidence. 

I request that you investigate and resolve this matter promptly. If the situation is not addressed appropriately, I will be forced to pursue legal action to protect my rights.

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 2025-01-10 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2025-01-10 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2025-01-10 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: VA

Complaint narrative:
I have sent multiple disputes to XXXX for the past 3 years trying to get information on my credit report corrected and deleted. Each time I received a letter stating the accounts were validated and no resolution. This has caused me to be be homeless, without a vehicle, denied for employment, Bank accounts, credit and more. 

Below are the dispute results I received with no resolution. 
Report Number : XXXX Date Ready : XX/XX/year> Report Number : XXXX Date Ready : XX/XX/year> XXXX has been allowing the debt collection companies update the accounts as if they are current and valid. I have been included in multiple data breaches which has exposed my information and would like all of the negative items on my report removed please.

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 2025-01-10 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: VA

Complaint narrative:
I have sent multiple disputes to XXXX for the past 3 years trying to get information on my credit report corrected and deleted. Each time I received a letter stating the accounts were validated and no resolution. This has caused me to be be homeless, without a vehicle, denied for employment, Bank accounts, credit and more. 

Below are the dispute results I received with no resolution. 
Report Number : XXXX Date Ready : XX/XX/year> Report Number : XXXX Date Ready : XX/XX/year> XXXX has been allowing the debt collection companies update the accounts as if they are current and valid. I have been included in multiple data breaches which has exposed my information and would like all of the negative items on my report removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo fail. Fraud department would not confirm card application canceled that I did NOT submit/ apply. 2 step process with credit card application agent. Then transfer to fraud department. Fraud dept insisted on additional personal information that they have no right. Social security number is already too much.

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 2025-01-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
My account was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Consumer complaint received 2025-01-10 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:
My account was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 explanation
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 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:
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 2025-01-10 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:
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 explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MI

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 2025-01-10 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: MI

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 explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against XXXX, XXXX, and TransUnion for their blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically their failure to complete their investigations into disputed credit report items within the required XXXX period as mandated by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). These credit reporting agencies have demonstrated a clear pattern of noncompliance and negligence, causing undue harm and financial stress to me as a consumer. 

VIOLATIONS BY CREDIT REPORTING AGENCIES : Failure to Investigate Disputes Within XXXX  Days : Pursuant to XXXXXXXX XXXX  XXXX ( a ) ( XXXX ) ( A ), credit reporting agencies are required to complete their investigations within XXXX  days of receiving a dispute. Despite my timely and detailed submissions, XXXX, XXXX, and TransUnion have failed to meet this statutory obligation. 

Failure to Provide Timely Notice of Investigation Results : In accordance with FCRA guidelines, the agencies must provide a response to the consumer with the results of their investigations. I have not received any such correspondence within the legally required timeframe, further compounding their violation of my rights. 

Failure to Ensure Accuracy in Credit Reporting : These agencies failure to comply with FCRA standards has resulted in the continued reporting of erroneous, unverifiable, or incomplete information on my credit report, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX XXXX  XXXX XXXX IMPACT OF THESE VIOLATIONS : The continued presence of erroneous and unverifiable information on my credit reports has caused the following damages : Defamation of Creditworthiness : The inaccurate data has impaired my ability to access credit on favorable terms, subjecting me to financial discrimination. 

Emotional Distress : The agencies negligent actions have caused undue stress, frustration, and anxiety. 

Financial Harm : XXXX interest rates and denials of credit applications have resulted directly from their failure to comply with XXXX investigation timelines.

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 2025-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against XXXX, Equifax, and XXXX for their blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically their failure to complete their investigations into disputed credit report items within the required XXXX period as mandated by XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ). These credit reporting agencies have demonstrated a clear pattern of noncompliance and negligence, causing undue harm and financial stress to me as a consumer. 

VIOLATIONS BY CREDIT REPORTING AGENCIES : Failure to Investigate Disputes Within XXXX Days : Pursuant to XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ), credit reporting agencies are required to complete their investigations within XXXX  days of receiving a dispute. Despite my timely and detailed submissions, XXXX, Equifax, and XXXX have failed to meet this statutory obligation. 

Failure to Provide Timely Notice of Investigation Results : In accordance with FCRA guidelines, the agencies must provide a response to the consumer with the results of their investigations. I have not received any such correspondence within the legally required timeframe, further compounding their violation of my rights. 

Failure to Ensure Accuracy in Credit Reporting : These agencies failure to comply with FCRA standards has resulted in the continued reporting of erroneous, unverifiable, or incomplete information on my credit report, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX XXXX  XXXX XXXX IMPACT OF THESE VIOLATIONS : The continued presence of erroneous and unverifiable information on my credit reports has caused the following damages : Defamation of Creditworthiness : The inaccurate data has impaired my ability to access credit on favorable terms, subjecting me to financial discrimination. 

Emotional Distress : The agencies negligent actions have caused undue stress, frustration, and anxiety. 

Financial Harm : XXXX interest rates and denials of credit applications have resulted directly from their failure to comply with XXXX investigation timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MO

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 response to consumer: Closed with explanation