vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
It is disappointing to see the result of my previous attempt to get these inquiries off my report, knowing that I have never permitted any of these and it is greatly affecting 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 non-monetary relief
Consumer complaint received 2024-09-19 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: OR

Complaint narrative:
I opted to close escrowXXXX XXXX XXXX approved. I made timely payment on XXXX without escrow. XXXX paid out the overpayment in escrow and placed my payment in suspense causing late payment. I called they reviewed and waived late charge and applied timely payment but failed to update their record which is showing up on transunion credit report as late. XXXX XXXX is non responsive and hasnt corrected with the credit agency which is causing me a negative report, impact to get credit, and harm. I disputed with transunion but they reflect what XXXX XXXX shows in payment history. This is also a joint account impacting my wife 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year>, I called Chime to have XXXX XXXX blocked, and it was successfully blocked by a supervisor. She did advise me that it can be blocked both ways, checking and through your debit card. I asked are you sure she said " yes, they will not be able to debit from my checking or debit ''. All calls were recorded to be assured that this was what was explained to me. To the best of my knowledge I believe I requested a new debit card. Over the months I have been receiving messages from Chime advising me that XXXX XXXX was declined because of their blocked on my account for debiting. Now, today XX/XX/year>, Chime pay a transaction on the account for {$180.00} which I have previously had blocked. Spoke to a supervisor XXXX, today he advised me there was nothing that they can help me with and disconnected the call. This is beginning to be in continuous problem with this XXXX XXXX XXXX XXXX  They do not follow federal guidelines, nor not stop any requests necessary and all disputes are denied. Also, I transferred {$8.00} to the wrong person back on XX/XX/year>. I reached out to the person locating her through XXXX. I advised her that I sent a transfer to the wrong person she acknowledged that she did receive it and how did I know who she was. I told her because I got the name from chime and that's how I reached out to her. I sent over messages with me conversations I had woth XXXX XXXX about the transaction. I reached out to chime sent in the information over through email and they still denied my dispute claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-09-19 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/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
I moved from XXXX XXXX XXXXXXXX XXXX at the end of XX/XX/XXXX. I closed my XXXX XXXX XXXX and paid my final bill however they did not close the account and continued to bill. I reached out back in XX/XX/XXXX, and informed the above. I was asked to submit proof which I did of my eversource account as I moved to XXXX XXXX They agreed the account should have been closed however there was still usage from the owners of the residence. It was removed from my account and now in XX/XX/XXXX they reopened another collections against me for the same debt. This is ridiculous. I can prove when I relocated. I can prove when I registered in XXXX XXXX Why after 6 years can they open up a whole new collections that I have to again fight to have removed off my report?! They have started harassing me via text and calls yet again.

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 2024-09-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent Inaccurate and false information consists of 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 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. The following accounts and/or items on my credit report were opened or used fraudulently without my knowledge or consent. As required by 15 U.S.C. 1681c-1, I request that these fraudulent items be removed from my credit report and that any party who has received my credit report in the past year be notified of these changes.

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 2024-09-19 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: CA

Complaint narrative:
When I checked my credit report this morning, I was stunned to see that it now contains incorrect accounts, and I dont understand why. I always check it and everything has been fine until today, but suddenly, these discrepancies popped up. I refreshed the page, hoping it was just an error, but nothing changed. Because of this, Im requesting that the documents I provided be carefully examined so I can rest easy, knowing this wont happen again.

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 2024-09-19 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: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
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 account listed without my expressed written consent.

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 2024-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
MANY years ago, XXXX had a program called XXXX XXXX, and would issue these savings to a virtual Amex card called Bluebird. XXXX got greedy fast and eliminated real savings -- and the card for us. I used up my whole balance. Amex/Bluebird did not care, though. TO THIS DAY they send me emails -- but I have no access to the allegeed account it is for, so I can not close it. I can not unsubscribe, I can not do anything. I am enclosing a screenshot of the ones I somehow managed to NOT delete. I am a very busy career woman, and sometimes between my inboxes I have myriad emails daily. I even created spam/delete filters for this junk but I have to manually empty my spam. As a result, I still see that I am held hostage by this junk, and I want it to stop. I even looked up the correct addresses to email a letter to them to insist they stop. Guess what? Despite sending it to the company, it bounced. Because of course! So I guess it takes a federal agency to enforce the regulations. 

Note : The attached picture does not include the emails in my trash folder or the myriad emails deleted over the years. 

Also note that due to a total lack of transparency, it's unclear who is actually spamming me -- AMEX travel services, XXXX XXXX XXXX XXXX XXXX XXXX. Make any and all stop. It took me 30-45 minutes to complete this due to the shady way they hide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: PA

Complaint narrative:
I am writing to file a complaint formally regarding my ongoing disputes with TransUnion, XXXX, and XXXX related to identity theft. Despite my best efforts, these credit reporting agencies have failed to address and resolve the issues on my credit reports accurately. 

TransUnion has removed some incorrect information but continues to report inaccurate accounts. When I sent a debt validation letter, they repeatedly claimed the information had been " verified, '' but they have not provided any method or proof of how this verification was done. Similarly, XXXX has issued the same response without offering clear validation or supporting documentation. 

XXXX, on the other hand, has shown a concerning lack of action in addressing my concerns. Instead of promptly investigating or removing the inaccurate information, they have sent me three copies of my identity theft rights without taking any further action. 

Across my credit reports, XXXX, TransUnion, and XXXX are reporting inaccurate information, even regarding the accounts listed below. The dates, names, account numbers, and activity associated with these items are all incorrect. 

I have evidence of my identity theft, the disputes filed, and the lack of resolution. I respectfully request that the CFPB review my case and play a crucial role in ensuring that these credit reporting agencies fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

If this matter is not handled quickly and adequately, I will be looking for compensation for the damages caused by the continued reporting of inaccurate information on my credit reports. 

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 Transunion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief