vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my TransUnion, XXXX, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information.

Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.

Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint.

Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-07 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: CA

Complaint narrative:
I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 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 2024-11-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I already filed a complaint and will include a PDF copy of that complaint. 
Here is additional information regarding this debt. I am not responsible for this debt and am requesting it to be removed from my credit report. 

I am writing to reiterate the dispute of this debt for which you claim I am liable. This is inaccurate. I included a screenshot below of the email confirming my removal from the lease at XXXX. 
To clarify my situation, I was removed from the lease by the management at XXXX. I have never received any communication regarding an eviction or this collection from XXXX XXXX XXXX. The individuals responsible for the lease were XXXX XXXX and XXXX XXXX, who were both living in the apartment and paying rent. When XXXX was applying for the apartment, the salesperson requested that I be included on the lease to secure a better rental rate, with the understanding that I would be removed from the lease once XXXX relocated to Colorado and found local employment. 
Upon discovering that there was a collection against me, I contacted the XXXX XXXX office immediately. They were not able to help me and said I needed to call the parent company in California. When I called that office in California, I was informed that they could not discuss the matter with me since I was not on the lease. They also would not send me any information related to the collection or eviction. That was when I reached out to NCS for a copy of proof of the debt, however I never received proof of that debt. Now, XXXX months later, after filing a complaint with the CPFB, you send me a copy of the original lease, of which I was removed. 
I believe that XXXX and XXXX are still responsible for the original debt, however this collection needs to be immediately removed from my credit report. 
I also want to highlight that I requested proof of this debt in XX/XX/year>, but you failed to provide any documentation within the legal time limit of 30 days. This situation has had a detrimental effect on my credit. 
If this matter is not resolved within 30 days from today, XX/XX/year>, I will have no choice but to seek legal counsel and pursue financial compensation for the damages I have incurred. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NV

Complaint narrative:
In accordance with the fair Credit reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights> 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.

Please block this information from my credit report within four business dats pursuant to section 605C of the Fair Credit Reporting Act.

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 2024-11-07 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: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: DE

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
UN-AUTHORIZED potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX  XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX  XXXX. 
XXXX XXXX  Potentially negative

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 2024-11-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2024-11-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
*** XXXX XXXX account number is XXXX XXXX open XXXX XXXX, 2022 the information not correct, the name is not correct, the address not correct, I am sure account not my, please remove on my credit report, thanks

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 2024-11-07 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: TX

Complaint narrative:
*** XXXX XXXX account number is XXXX XXXX open XXXX XXXX, 2022 the information not correct, the name is not correct, the address not correct, I am sure account not my, please remove on my credit report, thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: PA

Complaint narrative:
I purchased a XXXX XXXX XXXX through XXXX in XXXX car was repossessed in XXXX and the account closed XX/XX/XXXX. It is showing on my credit report that I am still paying on this as an open auto loan. I contacted XXXX and they said its nothing on their end and to contact you.

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 2024-11-07 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I had a loan with XXXX, that transitioned to Aidvantage. A payment I had made right before the transition is not being reflected See the timeline : XX/XX/XXXX : Payment of {$23000.00} made to XXXX Loan XX/XX/XXXX : Funds Removed from my Bank account XX/XX/XXXX : No longer have access to XXXX details, Loan transitioned to Aidvantage. 
XX/XX/XXXX : Given access to Aidvantage. The payment of {$23000.00} was not reflected in the balance. I saw notes saying it could take up to 90 days for recent payments to be reflected. 
XXXX : I occasionally checked in via chat to see if there was an update, they said it was in process. 
XXXX XXXX : I contact Aidvantage to ask where my payment is. They said they dont see anything and they would research. I was given a due date of XX/XX/XXXX. 
XX/XX/XXXX : I check in with them. I was told it was actually 7-10 business days. 
XXXX XXXX : I contact them again. I was told they would not update the balance until XXXX sent the funds to them. They then asked me to contact XXXX myself. 
XXXX : I call XXXX multiple times. No answer. There is no email and I cant access any details on my old account. There is a callback option, saying about 85 min wait. I get no callback. This is done about 3 times total. 

Note : I have made my normal auto debits since then, plus two additional payments of {$15000.00} and {$5400.00}. 

I dont believe that Aidvantage XXXX appropriately contacting my loan provider to work out whatever payment they need from XXXX and have given up. I asked if I could provide any proof of this payment and was not given a way to. I dont believe I will be able to talk to anyone at XXXX XXXX well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my XXXX, Experian, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information.

Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy. 
Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint. 
Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Re : Dispute of Inaccurate Information in Consumer Financial Bureau Dear Sir/Madam, I am writing to dispute the following information on my credit report. The account in question is with Toyota Motor Credit, and I believe it is inaccurately reported. 

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the completeness or accuracy of any item of information contained in a consumers file is disputed, the agency shall promptly delete or modify that item of information.

I request that Toyota Motor Credit verify the accuracy of the information they have reported. If they can not, I demand the immediate removal of this inaccurate information from my credit report. Failure to comply with this request will leave me no choice but to seek monetary damages for the harm caused by this inaccurate reporting.

Please conduct an investigation into this matter and delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XXXX I received a bank statement from American Express stating that I opened a Business Platinum Card and the company name is XXXX XXXX XXXX XXXX. The statement said I had a balance of XXXX due, and I could see on the statement where the thief spent the money. I never opened an account with American Express, so I contacted them and alerted them to have an investigation. Recently I contacted American Express to know the progress and they told me that their investigation saw the account was paying back some money to the bank and the account that was paying back is also under my name. So they closed the investigation and still required me to pay back the money. The representative told me the bank that was paying back was XXXX XXXXXXXX, and I never had a XXXX XXXX XXXX account either, so I contacted XXXX XXXXXXXX and they are doing an investigation as well. Then I got back to American Express for them to reopen the investigation and work with XXXX XXXX. When I contacted American Express, the representative verified the information with me and I can know that the thief had all my information, including my date of birth, SSN, address, and my name. Recently I also received mail from XXXXXXXX XXXX, with the thief opening another account under my name without my knowledge and permission. I checked the information on XXXX and XXXX, and I noticed that the person had requested several inquiries under my name, including XXXXXXXX XXXX XXXX  requested on XX/XX/XXXXXXXX XXXX XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXXXXX accessed my credit report without my knowledge, XXXX requested on XX/XX/XXXX, XX/XX/XXXX, American Express requested on XX/XX/XXXX, my XXXX report was also requested several timesXXXX XXXX XXXX was requested almost 200 times since XX/XX/XXXX, XXXXXXXX XXXX was requested on XX/XX/XXXX, my XXXX report was also requested multiple times without my permission. This information is based on the inquiries when I opened the three credit companies my own and I froze all three of them. Thank you so much for the investigation, please help me.

Company response to consumer: Closed with explanation