vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-12 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: NH

Complaint narrative:
Despite fulfilling all requirements, TransUnion FAILED to block a fraudulent late payment associated with an auto loan account ( Account Number : XXXX ) within the four-business-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) 605B. Instead, TransUnion informed me that the account was " verified '' without disclosing the sources or evidence used to substantiate this verification. ( Attached is Proof of Failure to Block and Lack of Evidence ) Specifically, I am reporting a fraudulent late payment associated with an auto loan account ( Account Number : XXXX ) opened at XXXX XXXX on XX/XX/year>. This fraudulent late payment, reported as occurring in XX/XX/year>, has caused a delinquency on my consumer FICO credit report. Along with my dispute, I provided all required documentation, including : A valid identity theft affidavit Proof of address A copy of my government-issued identification I've attached a prior CFPB complaint ( XXXX ) as proof of my attempt to resolve the fraudulent account. When I called TransUnion and spoke with supervisors, I was informed that a manual block would not be performed because the account was allegedly " ineligible '' for such action due to their " policy. '' This reasoning is not aligned with the requirements under FCRA 605B. I am now resubmitting the documents in an effort to have the fraudulent account removed within four days. Under 605B of the FCRA, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving valid documentation. 

TransUnion 's failure to meet this legal obligation constitutes a violation of federal law. TransUnion has not provided sufficient evidence or transparency regarding its claim that the disputed late payment was concluded with " NO CHANGE NEEDED. '' Under 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide consumers with detailed information about their findings, including the entities or furnishers relied upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-12-12 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: TN

Complaint narrative:
Victim of the XXXX databreach issue. Haven't been able to get these accounts off. Was told that you guys could assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
Usaa advertised a promotion for 0 interest on balance transfer with a 5 % transfer fee. I transfered a balance and they charged me a transfer fee and immediately started charging interest. When confronted they told me there was no promotion even though I received on and spoke to a representative on the phone to complete the transfer. They filed an internal complaint and after 2 calls I missed because of work never responded to my returned calls or called me back again. Basically mislead me and stole 5 % of the transfer ballance and XXXX dollars in interest. Mislead me and never even tried to resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: AZ

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/year> I attempted to rent a motel room at XXXX XXXX in XXXX Oregon. I have submitted a complaint regarding this establishment already. My bank is Chime, an online banking company, and I have had an account with them for a very long time. I disputed the charges on XX/XX/year>, dispute # XXXX in the amount of XXXX. I was told the charges would be returned within 5 days. My dispute has been denied and reopened in a cyclic cycle that has no end in sight. I had become stuck in XXXX Oregon due to the theft of my money. It may not seem like much, but to me, it was survival. I am homeless and XXXX and am blown away by how I have been treated and how Chime has supported the theft of my funds. I have a police report XXXX XXXX XXXX eform # XXXX. Chime appealed my denial and it is appeal # XXXX. I have asked for justification of my denial and received the questionnaire with only my answers that they recorded. Chime did not even get that right as some of the answers that they documented I did not state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge OfXXXX XXXX XXXX XXXX - {$800.00} ( XXXX ) XXXX - XXXX XXXX {$0.00} ( XXXX ) XXXX XXXX XXXX - {$1000.00} ( XXXX ) XXXX XXXX XXXX - {$0.00} ( XXXX ) XXXX - XXXX - {$0.00} ( XXXX XXXX XXXX XXXX - XXXX - {$750.00} ( XXXX XXXX XXXX XXXX - XXXX - {$760.00} ( XXXX ) XXXX XXXX XXXX - {$1800.00} ( XXXX ) XXXX - XXXX - {$1600.00} ( XXXX ) XXXX XXXXXXXX - XXXX - {$750.00} ( XXXX ) XXXX XXXXXXXX - XXXX - {$1200.00} ( XXXX XXXX XXXX XXXXXXXX - XXXX - {$630.00} ( XXXX ) XXXX  - XXXX - {$0.00} ( XXXX & XXXX ) XXXX - XXXX - {$0.00} ( XXXX & XXXX ) XXXX - XXXX - {$0.00} ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - {$250.00} ( tu ) XXXX XXXX - XXXX - {$2000.00} ( eq ) XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Equifax is reporting incorrect late payments on my credit report for the Account named XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concern I am writing to request that you immediately block the following information from my credit report, as it is a result of identity theft : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In the past and more recently I discovered that I am a victim of identity theft and have filed an identity theft report with the Federal Trade Commission ( a copy is attached ). 

Also filed a Police Report with XXXX XXXX XXXX see attached Ive also placed an extended fraud alert on my credit profile with all credit agencies. 

My information was driver license and wallet was stolen. Also my information was exposed in the recent Data Breach with Equifax. 

Additionally, none of the above mentioned companies could verify the accuracy and/or validity of ownership. 

Please take immediate action to block this information from my credit report, and notify all furnishers of this information about the block, in accordance with Section 605b of the Fair Credit Reporting Act within XXXX business days of receiving this formal letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
They open accounts in my name I have tons of debit cards and inquiries 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NV

Complaint narrative:
Failure to Validate Debt Account in Violation of FDCPA I am filing this complaint against National Recovery for their failure to validate a debt account as required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

On [ insert date ], I received communication from National Recovery regarding an alleged debt they claim I owe. In response, I sent a written request for debt validation on [ insert date of your letter ]. The request was sent via [ certified mail with tracking number ] and was delivered on [ insert delivery date ]. 

Under the FDCPA, National Recovery is legally required to : Provide sufficient validation of the debt upon request, including details of the original creditor, the amount owed, and proof of their right to collect the debt.

Suspend all collection activities until they have validated the debt.

Despite my request, National Recovery has failed to comply with these legal requirements. They have not provided the requested validation and have continued collection efforts, which violates federal law. Additionally, they have reported this unverified debt to the credit bureaus, causing damage to my credit profile.

Desired Resolution : To resolve this matter, I request the following actions : Full Debt Validation : Require National Recovery to provide comprehensive documentation of the alleged debt, including the original creditor agreement, a breakdown of the debt amount, and proof of their authority to collect the debt.

Cease Collection Efforts : Ensure that National Recovery halts all collection activities and communication until proper validation is provided. 
Immediate Removal from Credit Bureaus : Require National Recovery to immediately remove all references to this alleged debt from my credit reports with XXXX, XXXX, and XXXX unless the debt is validated in accordance with the FDCPA. 
Correct Reporting Practices : Prevent National Recovery from reporting this debt again in the future unless it is properly validated.

Compliance Investigation : Investigate National Recoverys compliance with the FDCPA and impose penalties or corrective actions if they are found to have engaged in a pattern of non-compliance.

By resolving this matter, I aim to protect my rights under the FDCPA and ensure that National Recovery adheres to its legal obligations. Their failure to validate this debt has caused undue stress, financial harm, and damage to my creditworthiness. 

Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NJ

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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 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 XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL SYST THIS WAS FOR AN ALLEGED SPRINT BILL I HAVE NEVER HAD XXXX  ALWAYS HAVE HAD XXXX I INFORMED THEM IT WAS NOT MINE. 
IT WAS FOR {$790.00} AND THIS WAS FROM OVER XXXX YEARS AGO THEY ASKED FOR A PAYMENT WHEN I REFUSED I WAS THREATENED THAT THEY WOULD MAKE SURE THIS ALWAYS STAYS ON MY CREDIT REPORT IF I DO NOT PAY THEM. I REFUSED AND THIS IS NOW HAUNTING ME MORE THAN XXXX YEARS LATER. 
I EVEN CALLED THEM RECENTLY TO TRY TO JUST PAY THEM TO REMOVE IT FROM MY ACCOUNT AND THEY INFORMED ME THAT THEY DID NOT OWN THE DEBT AND COULD NOT TAKE A PAYMENT. 
WHEN I INFORMED THE CREDIT BUREAU AND ASKED THEM TO REMOVE IT UNDER A DISPUTE. THE BUREAU DID NOT REMOVE IT AND ADVISED THAT JEFFERSON CAPITAL PROVIDED THEM INFORMATION THAT MEETS THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint against Equifax regarding their ongoing and seemingly deliberate delays in processing my credit dispute requests. Specifically, every time I submit a dispute to Equifax, I receive a response claiming that the documents I provided are illegible. However, I have submitted the same documents to XXXX and XXXX without any issues ; both agencies have acknowledged and processed my disputes without any issue at all. 

To date, I have received XXXX identical letters from Equifax alleging illegibility of my documents. Each time, I have taken care to send my dispute documentation via certified mail, incurring a cost of {$10.00} per mailing. These repeated delays and additional expenses are causing undue financial and emotional strain, as XXXX refusal to process my disputes prevents me from addressing critical inaccuracies in my credit file. 

Given that XXXX and XXXX have successfully processed the same documentation, I believe Equifaxs response constitutes a stall tactic rather than a genuine issue with the legibility of the documents. This practice is unacceptable and appears to violate the Fair Credit Reporting Act 's requirements for timely and accurate dispute handling. 

I am requesting your assistance in holding Equifax accountable and ensuring they process my dispute without further delay. Additionally, I would appreciate a review of their practices to ensure compliance with federal regulations. 

Thank you for your attention to this matter.

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

Complaint narrative:
I disputed XXXX late payments that were reported on my credit by XXXX XXXX XX/XX/year> & XX/XX/year>. After I disputed those XXXX, they made them both current but added on XXXX other late payments that were never late. Those XXXX added late payments are months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year>. XXXX of which were actually deferred properly through the company XX/XX/year> & XX/XX/year>. I made all of the payments on time and have all of the payment dates to prove so. In the event of disputing directly through the company they proceeded to do nothing. This has really caused an issue with my credit and purchasing another car that is greatly needed by 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 2024-12-12 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: FL

Complaint narrative:
I disputed XXXX late payments that were reported on my credit by XXXX XXXX XX/XX/year> & XX/XX/year>. After I disputed those XXXX, they made them both current but added on XXXX other late payments that were never late. Those XXXX added late payments are months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year>. XXXX of which were actually deferred properly through the company XX/XX/year> & XX/XX/year>. I made all of the payments on time and have all of the payment dates to prove so. In the event of disputing directly through the company they proceeded to do nothing. This has really caused an issue with my credit and purchasing another car that is greatly needed by my family.

Company response to consumer: Closed with non-monetary relief