vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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 with TRANSUNION 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.

TRANSUNION 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
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, 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 2025-02-15 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: NC

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

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 2025-02-15 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: NC

Complaint narrative:
There may be individuals with similar or identical names, or creditors may have entered my information incorrectly. Regardless, these variations and addresses are not correct historical data and must be removed promptly.

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 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I asked the collection company serval time for a lease they told me they couldnt find XXXX and that the debt would workout in my favor but its still on my credit. I was told it will fall off in XXXX  years we are now in XXXX XXXX years later the debt still showing and i am still not provided any proof. The collection company just took the amount down to the judgement amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-15 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: NV

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
RE : XXXX XXXX I reviewed my consumer credit report after your re-investigation and noticed that the XXXX XXXX  account remains inaccurate. This has had a negative impact on my consumer credit report for years, which is hurting my ability to obtain credit. XXXX XXXX reporting on my consumer credit report twice on the same credit report. It shows as a charged off credit card and a collection. The following account has been re-aged by repeatedly reporting as charged of for several months in a row : XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX This is deceptive, misleading and inaccurate. This violates the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5A. I request that, based on these findings, that these accounts be promptly and permanently removed from my consumer 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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This debt collector has unlawfully reported me to the credit bureaus as having a collection account for XXXX, despite my explicit request for written verification of the alleged debt. A representative from their company contacted me several months ago, and I clearly informed them that I would not confirm any details over the phone until I received a written notice regarding this debt, including proof of their licensing to collect in my state. The representative abruptly hung up on me and failed to follow up with any written communication. 

Since then, I have not had any further contact with this entity and reasonably assumed the call was a scam, a common occurrence in todays climate. Now, due to their irresponsible reporting, my credit score has plummeted by XXXX points, an unacceptable and damaging consequence. According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written notice of a debt within five days of their initial contact ( 15 U.S.C. 1692g ). Furthermore, under the Fair Credit Reporting Act ( FCRA ), no debt can be reported to the credit bureaus until the consumer has received this required notice ( 15 U.S.C. 1681s-2 ). Their failure to comply with these provisions has directly harmed my credit, which is particularly troubling as I am disabled and now dependent on SSDI. I can not afford to have my credit tarnished without proper validation of the debt.

If I truly owe this debt to XXXX they should have sent me a formal letter, as the law dictates, before engaging in credit reporting. Their failure to do so has caused irreparable damage, and I demand immediate removal of this collection account from my credit reports, along with full verification of the alleged debt.

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 2025-02-15 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a fraudulent credit inquiry that appears on my credit report, which was made online without my knowledge or consent. Upon reviewing my report, I noticed a conducted credit inquiry, and I can assure you that I never authorized this action. This inquiry was made without my awareness and was done under false pretenses, representing a clear case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Care Credit account was in good standing and paid off. They closed my account without any notice or plausible reasoning. They later cited that they did a soft pull into my credit and determined me to be uncredit worthy despite having given me the card in the first place.

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 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
I received an email on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notifying me that they spotted some breaches for me. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I opened this email, looked at my account, and found these two breaches : XXXX breach Reported in XX/XX/XXXX -We don't know the name of this breach Reported in XX/XX/XXXX I was able to look at my credit score on XXXX XXXX and saw that I had six collections in my name. The only loan I have is my student loan, which has been paid every month. I believe my identity was stolen during those two breaches. 

Here are the steps that I have taken already : Completion on XX/XX/XXXX : -Submitted a report on IdentityTheft.gov -Reported this to my bank -Froze credit with XXXX, XXXX XXXX and XXXX -Filed a police report -Filed a report with www.ic3.gov Completion on XX/XX/XXXX : -Called XXXX, and they informed me to dispute on all three credit bureaus XXXX XXXX XXXX XXXX {$12000.00} HUNTER WARFIELD INC Spoke with XXXX XXXX XXXX  this XXXX She is sending me documents of what I need to inform them of. 
NOTE : The person knew my date of birth and SSN {$10000.00} PROFESSIONAL DEBT MEDIATION Called and left a voicemail. They did not answer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called and spoke with a rude representative. They said they will put in a report that I want to dispute this. 
NOTE : The person knew my date of birth and SSN XXXX XXXX XXXX XXXX XXXX  Called and left a voicemail. They did not answer. 

-I made a report with the Federal Trade Commission and was referred to the CFPB ( Consumer Financial Protection Bureau XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: CA

Complaint narrative:
I received an email on XX/XX/XXXX, at XXXXXXXX XXXX from XXXX XXXX, notifying me that they spotted some breaches for me. On XX/XX/XXXX, at XXXXXXXX XXXX, I opened this email, looked at my account, and found these two breaches : XXXX breach Reported in XX/XX/XXXX XXXXWe don't know the name of this breach Reported in XX/XX/XXXX I was able to look at my credit score on XXXX XXXX and saw that I had six collections in my name. The only loan I have is my student loan, which has been paid every month. I believe my identity was stolen during those two breaches. Here are the steps that I have taken already : Completion on XX/XX/XXXX : -Submitted a report on IdentityTheft.gov -Reported this to my bank -Froze credit with XXXX, XXXX XXXX and XXXX -Filed a police report -Filed a report with www.ic3.gov Completion on XX/XX/XXXX : -Called XXXX, and they informed me to dispute on all three credit bureaus -Contacted Debt XXXX : {$12000.00} XXXX XXXX XXXX Spoke with XXXX to dispute this . She is sending me documents of what I need to inform them of. 
NOTE : The person knew my date of birth and SSN {$10000.00} PROFESSIONAL DEBT MEDIATION Called and left a voicemail. They did not answer. 

{$370.00} / {$200.00} XXXX XXXX XXXX Called and left a voicemail. They did not answer. 

{$190.00} XXXX XXXX XXXX XXXX Called and spoke with a rude representative. They said they will put in a report that I want to dispute this. 
NOTE : The person knew my date of birth and SSN {$100.00} XXXX XXXX XXXX XXXX Called and left a voicemail. They did not answer. 
I made a report with the Federal Trade Commission and was referred to the CFPB ( Consumer Financial Protection Bureau ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I deposited a check for XXXX via mobile to Sofi on or around XX/XX/XXXX. My account was restricted and funds are being held. I was told first week my account was being closed and the funds would go back to XXXX XXXX Next week Im told its going to be a check mailed. Third week Im told again its going back to XXXX. I called around last week of XX/XX/year> they told me there were no funds as the check was rejected. The funds were indeed taken from XXXX account and are sitting in the Sofi account. I called 3 days ago and Im told again its going to be sent back to chase but they do not have a time frame. Ive also since consulted with an attorney for next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian did not properly investigate my dispute. False records on the credit profile. I asked Experian to call XXXX XXXX XXXX and request documentation of me moving into the so-called apartment. This should have been off of my credit report but, Experian has failed to follow the law and the appropriate guidelines. Experian has found my inquiries relating to the collection to be fraudulent and removed them accordingly. Why is the debt that stems from the collection not taken off?

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 2025-02-15 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAY WERE OPENED IN MY NAME

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 2025-02-15 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: NY

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation XXXX of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
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 an account without my written instructions.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation