vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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:
Account Name : XXXX XXXX XXXX Account # XXXX Balance : {$140.00} I am writing to file a formal complaint against TransUnion, XXXX, and XXXX regarding inaccurate and unverified information on my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], it is imperative that the information reported by credit bureaus be accurate, verifiable, and fair. Additionally, I bring to your attention the relevant laws of the State of Florida, particularly the Consumer Collection Practices Act ( FCCPA ) [ Florida Statutes XXXX ], which outlines stringent regulations concerning debt collection practices and the obligation of creditors to provide documentation verifying debts upon request. 

Despite numerous attempts and disputes, I have not received proper documentation or verification from either the debt collector or any of the aforementioned credit bureaus regarding the disputed account. This lack of verification is a blatant violation of my rights under both federal and state law. The inclusion of this inaccurate account on my credit report has had severe repercussions on my financial standing and has detrimentally impacted various aspects of my life, including but not limited to, my ability to secure favorable lending terms, obtain housing, and access other essential services. 

Therefore, I demand that the inaccurate account be promptly removed from my credit report in accordance with the FCRA and the FCCPA. Failure to rectify this matter expeditiously will compel me to pursue all available legal remedies to seek redress for the damages incurred as a result of the credit bureaus ' non-compliance with statutory requirements. 

I trust that you will treat this matter with the seriousness and urgency it warrants and take immediate action to rectify the inaccuracies on my credit report. I look forward to receiving confirmation of the removal of the disputed account immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-05-06 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Account # XXXX Balance : {$140.00} I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding inaccurate and unverified information on my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], it is imperative that the information reported by credit bureaus be accurate, verifiable, and fair. Additionally, I bring to your attention the relevant laws of the State of Florida, particularly the Consumer Collection Practices Act ( FCCPA ) [ Florida Statutes XXXX ], which outlines stringent regulations concerning debt collection practices and the obligation of creditors to provide documentation verifying debts upon request. 

Despite numerous attempts and disputes, I have not received proper documentation or verification from either the debt collector or any of the aforementioned credit bureaus regarding the disputed account. This lack of verification is a blatant violation of my rights under both federal and state law. The inclusion of this inaccurate account on my credit report has had severe repercussions on my financial standing and has detrimentally impacted various aspects of my life, including but not limited to, my ability to secure favorable lending terms, obtain housing, and access other essential services. 

Therefore, I demand that the inaccurate account be promptly removed from my credit report in accordance with the FCRA and the FCCPA. Failure to rectify this matter expeditiously will compel me to pursue all available legal remedies to seek redress for the damages incurred as a result of the credit bureaus ' non-compliance with statutory requirements. 

I trust that you will treat this matter with the seriousness and urgency it warrants and take immediate action to rectify the inaccuracies on my credit report. I look forward to receiving confirmation of the removal of the disputed account immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-05-06 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:
I am writing to address discrepancies in my credit file. Despite consistently making payments, an inadvertent missed partial payment caused my credit report to reflect as 'late ' from XXXX to XX/XX/year>. This error is hindering my ability to refinance my house and alleviate financial strain. Attached is documentation illustrating a partial payment of {$1200.00} on XX/XX/XXXX, followed by full payments in XXXX XXXX. The confusion arose when I made a full payment on XX/XX/XXXX yet received a late notification from XXXX XXXX  dated XX/XX/XXXX, indicating a payment was overdue. Assuming the notice was issued post-payment, I proceeded with subsequent payments from XXXX and XXXX made over the telephone with a XXXX XXXX representative. At no time during the payments made over the telephone did a XXXX XXXX representative alert me to the missing partial payment. The issue only came to my attention in XX/XX/year> when I made a payment over the telephone, the XXXX XXXX representative finally made me aware of my delinquent account. Throughout this period, my XXXX XXXX profile showed an 'unapplied principal ' of {$1200.00}, which I mistakenly interpreted as part of the loan balance, rather than an indicator of a missed payment. I had no idea that an unapplied balance meant there was a missing payment. I was assuming if it were late, the notice would outline Late, unpaid, or overdue. I even googled unapplied principle which read The Unpaid Principal Balance ( UPB ) refers to the amount of principal on a loan that has yet to be paid off. It does not include interest or any other fees that may be associated with the loan ; it only reflects the remaining balance of the amount originally borrowed. Even with a XXXX in XXXX, that read to me as if its just part of the loan. To date I have been struggling to make up the missed payment on my tight budget. I finally took out a loan from my XXXX XXXX XXXX to make a {$5000.00} payment and bring my mortgage current. I am requesting that the late payments are removed from my credit report. Furthermore, I request that XXXX XXXX revise their late notification protocols to ensure the customer is aware of their delinquency and preventing similar occurrences. Enclosed is documentation supporting my request.

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 2024-05-06 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: FL

Complaint narrative:
I am writing to address discrepancies in my credit file. Despite consistently making payments, an inadvertent missed partial payment caused my credit report to reflect as 'late ' from XXXX to XX/XX/2023. This error is hindering my ability to refinance my house and alleviate financial strain. Attached is documentation illustrating a partial payment of {$1200.00} on XX/XX/XXXX, followed by full payments in XXXX XXXX. The confusion arose when I made a full payment on XX/XX/XXXX yet received a late notification from XXXX XXXX dated XX/XX/XXXX, indicating a payment was overdue. Assuming the notice was issued post-payment, I proceeded with subsequent payments from XXXX and XXXX made over the telephone with a XXXX XXXX representative. At no time during the payments made over the telephone did a XXXX XXXX representative alert me to the missing partial payment. The issue only came to my attention in XX/XX/2023 when I made a payment over the telephone, the XXXX XXXX representative finally made me aware of my delinquent account. Throughout this period, my XXXX XXXX profile showed an 'unapplied principal ' of {$1200.00}, which I mistakenly interpreted as part of the loan balance, rather than an indicator of a missed payment. I had no idea that an unapplied balance meant there was a missing payment. I was assuming if it were late, the notice would outline Late, unpaid, or overdue. I even googled unapplied principle which read The Unpaid Principal Balance ( UPB ) refers to the amount of principal on a loan that has yet to be paid off. It does not include interest or any other fees that may be associated with the loan ; it only reflects the remaining balance of the amount originally borrowed. Even with a XXXX in XXXX, that read to me as if its just part of the loan. To date I have been struggling to make up the missed payment on my tight budget. I finally took out a loan from my XXXX XXXX XXXX to make a {$5000.00} payment and bring my mortgage current. I am requesting that the late payments are removed from my credit report. Furthermore, I request that XXXX XXXX  revise their late notification protocols to ensure the customer is aware of their delinquency and preventing similar occurrences. Enclosed is documentation supporting my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address discrepancies in my credit file. Despite consistently making payments, an inadvertent missed partial payment caused my credit report to reflect as 'late ' from XXXX to XX/XX/year>. This error is hindering my ability to refinance my house and alleviate financial strain. Attached is documentation illustrating a partial payment of {$1200.00} on XX/XX/XXXX, followed by full payments in XXXX XXXX. The confusion arose when I made a full payment on XX/XX/XXXX yet received a late notification from XXXX XXXX  dated XX/XX/XXXX, indicating a payment was overdue. Assuming the notice was issued post-payment, I proceeded with subsequent payments from XXXX and XXXX made over the telephone with a XXXX XXXX representative. At no time during the payments made over the telephone did a XXXX XXXX representative alert me to the missing partial payment. The issue only came to my attention in XX/XX/year> when I made a payment over the telephone, the XXXX XXXX representative finally made me aware of my delinquent account. Throughout this period, my XXXX XXXX profile showed an 'unapplied principal ' of {$1200.00}, which I mistakenly interpreted as part of the loan balance, rather than an indicator of a missed payment. I had no idea that an unapplied balance meant there was a missing payment. I was assuming if it were late, the notice would outline Late, unpaid, or overdue. I even googled unapplied principle which read The Unpaid Principal Balance ( UPB ) refers to the amount of principal on a loan that has yet to be paid off. It does not include interest or any other fees that may be associated with the loan ; it only reflects the remaining balance of the amount originally borrowed. Even with a XXXX in XXXX, that read to me as if its just part of the loan. To date I have been struggling to make up the missed payment on my tight budget. I finally took out a loan from my XXXX XXXX XXXX to make a {$5000.00} payment and bring my mortgage current. I am requesting that the late payments are removed from my credit report. Furthermore, I request that XXXX XXXX revise their late notification protocols to ensure the customer is aware of their delinquency and preventing similar occurrences. Enclosed is documentation supporting my request.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've consistently ensured payments on this account are timely, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-05-06 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: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted "

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX there was a letter sent to Transunion asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-05-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
had fraud on XXXX XXXX, reported to XXXX  they done there invesgation at the end they found me not liable foe the XXXX balance transfers but my checking acct is linked to XXXX XXXX for paying purposes so i am guessing that is how the smae charges showed up on may checking acct and savings acct, when XXXX started dening the XXXX XXXX tranfurs they went to my chase acct, i contacted chase ASAP and we closed all my online stuff down changed all my passwords and I D, chase after 5 days returned the money back XXXX for XXXX the second for XXXX both to XXXX one week later chase took the money from me again so i called asap and was told by chase that they cant fully prove that i did or didnt do the balancetransfers, i have spent several nights on hold and re explaining the entire story only to XXXX told by chase that they will never return the money they have robbed from ever, XXXX i went to chase branch in XXXX XXXX spent about hour with a man proved to him that i didnt do this he called head office told them what he found and was told to bad so sad, all of this has happened between XXXX and XX/XX/2024, sorry i dont have better dates or typing skills XXXX XXXX XXXX # case # XXXX gave chase the same info they will not make the call

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation