vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. TransUnions failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 


XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I opened an account with Target in XXXX  and did not pay as I should have however i was young and dumb.This account aged and fell off my report and was added back. These dates are not correct. I called the company to settle this because it has been on my credit report for 19 years and counting. We agreed on a settlement amount for it to be deleted from my tradeline. The account is still showing. I called Target to ask why and the rep stated it will be removed however it is processing. I sent a Goodwill letter to the company asking that they please remove the negative marks and nothing has changed. Please remove this from my credit line. I am a single mother and I am trying to purchase a home for myself and my son. This tradeline is causing damaging effects to my credit worthiness. 
I believe everyone should be given a second chance and this company has reported for 19 years against me and been paid. I have been punished long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

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 2024-12-04 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : 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 2024-12-04 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: OneMain Finance Corporation
State: NY

Complaint narrative:
OneMain Bank, XXXX, XXXX inquired about my credit on XX/XX/29. I am not in contact with or affiliated with OneMain. When trying to contact the company I was directed to an automatic recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX is a Fraud. They Illegally closed out my credit card account in XX/XX/XXXX with Milestone and damaged my credit report time and time again. I reached out to XXXX in an attempt to make an agreement and XXXX XXXX engaged indenial and told me the card was closed because a debt management company that represents me requested the account be closed. Thats the furthest from the truth. 

So, on XXXX I spoke with XXXX XXXX XXXX XXXX phone to find out what had happened, and they specifcally told me they DID NOT request an account closure. However they did tell me that they had not represented me since XXXX and that they negioiated a deal with XXXX XXXX on XX/XX/XXXXXXXX  and they told me that XXXX XXXX agreed to a new deal which in return was ( 1. Stop all Late Fees, 2. No Interest to be Charged, 3. Stop Overlimit Charges, 4. Agreed to a $ XXXX  Monthly Payment ) there was no mention of closing the account down. 

I tried in good faith to establish an agreement with XXXX XXXX for me to pay my debt off in 4 easy payments in return for removal of the bad credit files in which they illegally reported to the Credit Bureaus violating the agreement they made with the debt management company. But instead of establishing professionalism they placed me on hold where a few minutes on hold someone picked upnand then hung up the call. Totally Disrepectful and Uncalled For

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a letter to XXXX. They had over 60 days to investigate and said I would receive a response by XX/XX/year>. They did not delete or send any information yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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. 


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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: WA

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 2024-12-04 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: OH

Complaint narrative:
I do not recognize these address please removed them from my credit report thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have alias name please removed all alias or any other name on my credit report XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccuracies in my credit report effectively. 

These accounts include discrepancies that I believe do not reflect accurate, legal, complete, or current information. These inaccuracies may be unfairly harming my credit score, which is deeply concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccuracies in my credit report effectively.

These accounts include discrepancies that I believe do not reflect accurate, legal, complete, or current information. These inaccuracies may be unfairly harming my credit score, which is deeply concerning.

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 2024-12-04 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: SC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 non-monetary relief
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
When checking my credit report, I noticed hard inquiries to companies I did not apply to. The suspicious inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove these inquiries from my report. I am also attaching my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CORELOGIC INC
State: TX

Complaint narrative:
Inquiries I did not authorize! 
Credco XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: WI

Complaint narrative:
Skrill has locked me out of my account for the last 1 month. When I try to login it will say I need to reset my password, which I do and then it tells me the same thing. 

I've written to Skrill and haven't heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Our Chase Sapphire card was hacked online with XXXX XX/XX/XXXX. Chase Sapphire contacted us on XX/XX/XXXX and issued us 2 new credit cards. One for myself and the other to my husband who is currently in XXXX. I received my card in the US within 5-7 days. I was informed that my husband s card would reach him by XX/XX/XXXX. When this did not occur, l called to inform them that the card was not received on XX/XX/XXXX. Customer Service supervisor informed me that l was given the incorrect information and that it takes a month to arrive in XXXX. It is now over 30 days and my husband has not received his card. They are unprofessional, disrespectful to consumers and do not care that we are not able to make purchases. I have informed them that we have a large payment to make before XX/XX/year>. They have shown no concern except to state they will research it. I have asked them to XXXX XXXX the card to XXXX. They have ignored my request. If this card does not arrive in time we will send them the late charge fee given to us for late payment. We would like you to look into their disrespect to THEIR customers and XXXX XXXX the card to XXXX today. Please penalize Chase XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing.

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 2024-12-04 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: IL

Complaint narrative:
I have a credit freeze on my credit report. Because identity theft all these inquiries were submitted on line please have equifax remove these inquiries from my credit report because I didnt give consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
To Whom It May Concern : Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and eliminated from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Please ensure the removal of any information that the creditor is unable to validate. I am aware that, as stipulated by 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has obtained my credit report within the past six months of any corrections made. 

Thank you for your attention and assistance regarding this matter. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation