vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: OH

Complaint narrative:
XXXX XXXX XXXX has issued a 1099 c on a Charged Off debt, but the charged off account is not showing a XXXX balance as required.

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 2024-08-06 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX is reporting negative on the credit report without even giving the consumer an option of relief or deferment on the credit account based on a national declared disaster that tie XXXX Texas back to back, a tornado in XXXX of 2024 and then a hurricane in XXXX of 2024. This creditor never have an option of relief on the account or payment arrangement seeing how the account was used without authorization during that time when the card was stolen during home displacement. Transunion and XXXX continues to report the account despite the fraudulent activity being reported which is against federal laws. An investigation was never done into the account

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 2024-08-06 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and 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 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 non-monetary relief
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On different occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I sympathetically demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit document so I might recapture command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: GA

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 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 2024-08-06 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:
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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had a dispute with XXXX XXXX credit card, so I asked how much I owed and to cancel my card. I paid the full amount owed but then they sent me another bill the next month. I called them and said that I was paid in full but they lied and said that they had sent me a bill for a different amount. I never paid the bill. The bill was {$7.00} dollars so now they have put charges, late fees and interest so now its {$180.00} after only a few months. I though XXXX XXXX was a reputable company but they are not. I had the card for years and never owed them any money. Now they are trying to hurt my credit that was over XXXX. 
I am an honest person and I don't cheat people. This is wrong and I am not paying for lies. 

Respectfully 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 2024-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
After 8.5 months of Cardinal FinancialXXXX dragged their feet on the assumption process of my loan to XXXX  buyers, we finally closed on XXXX/XXXX/204. The NC attorney recorded the deed and assumption agreements which Cardinal/XXXX  then received. Cardinal/XXXX  were then tasked with updating the loan into the new owner 's names and updating that in the VA system XXXX They did not do any of it. Instead, they sold the loan to XXXX XXXX  without informing them of the assumption. I personally had to send XXXX the recorded deed/Assumption doc 's XXXX Cardinal/XXXX  have been holding the buyers assumption/funding fee check that they were supposed to also send to the VA within 10 days of receiving it back in XXXX. 
So, at this point, because Cardinal/Dovenmuehle continue to refuse to do their jobs, not only have I paid out about $ XXXX in interest since the process began last XX/XX/year>, but the house belongs to the buyer while the loan is on me. XXXX XXXX and the new owner who assumed my loan have been trying to get this rectified, but Cardinal/XXXX  continue dragging their feet. Meanwhile, my credit score is taking a hit because I will certainly not pay on a loan for a house I do not own. We are talking about $ XXXX of loan debt that is not supposed to be mine. 
I need help with getting Cardinal to do their job. They should not have sold that loan before updating it to the new owner and updating the VA about it. The VA had no idea this loan had been assumed until I told them yesterday. They have also now contacted Cardinal and XXXX, but unfortunately the VA has XXXX guidelines that impose consequences to servicers who do not go by their rules that they have 10 days to send them the buyers assumption fee from the time they receive it and XXXX to update the " XXXX '' system at the VA into the new owners ' names. So, I don't see his contact having much impact, and neither does he. He suggested we contact you. 
Be aware that when Cardinal sold this loan to XXXX XXXX, XXXX XXXX changed the loan #, so it isnt the same # at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 XXXX out of XXXX 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.

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 2024-08-06 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 am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-08-06 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: FL

Complaint narrative:
I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, Equifax, and XXXX are consumer reporting agencies and I am the consumer. The consumer reporting agencies XXXX XXXX, Equifax, and XXXX have been reporting inaccurate information onto my consumer credit report without my written consent. It is illegal to report transaction history Per 15 U.S.C 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give my written consent for inquiries listed on my credit report so please remove all inquiries that is not an open ended credit account Per 15 U.S.C. 1681 ( b ) permissible purposes. If your investigation concludes the account is verified, please provide me with the documentation that was used to verify the open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, XXXX, and Experian are consumer reporting agencies and I am the consumer. The consumer reporting agencies XXXX XXXX, XXXX, and Experian have been reporting inaccurate information onto my consumer credit report without my written consent. It is illegal to report transaction history Per 15 U.S.C 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give my written consent for inquiries listed on my credit report so please remove all inquiries that is not an open ended credit account Per 15 U.S.C. 1681 ( b ) permissible purposes. If your investigation concludes the account is verified, please provide me with the documentation that was used to verify the open account.

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 2024-08-06 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: EQUIFAX, INC.
State: NJ

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 XXXX  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 XXXX out of XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
Upon checking my credit report, I noticed unauthorized/fraudulent hard inquiries and realized that I was a victim of Identity Theft. On XX/XX/XXXX I sent dispute letter to EQUIFAX Dispute Center and XXXX XXXX XXXX. I sent these letters through certified mail and they received my letters On XX/XX/XXXX. It is now XX/XX/XXXX and I have heard no response from them or acknowledgment whatsoever. They are being noncompliant. 

In these letters I informed them that there are multiple hard inquiries appearing on my account that are fraudulent and unauthorized. I never gave them permission to furnish this information and I informed them that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

I asked for them to produce any proofs or evidence that they may have that support their claims or where they were right in their decision to furnish this information and I gave them 15 days from receiving the letter to respond - otherwise they need to REMOVE the fraudulent/unauthorized hard inquiries immediately. They never responded & the fraudulent/unauthorized inquiry is still reporting on my account. 

I informed them that it is their DUTY by law to ACCURATELY report information and as of now, they are NOT doing that. I also informed them that if they choose to be willfully neglectful as it pertains to my file, I will file a dispute against them in small claims court seeking remedy for said violations. 

I notified EQUIFAX and XXXX that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec. 602, which states I have the right to PRIVACY, in addition under section 604A ( 2 ) states that Consumer Reporting Agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-06 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:
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 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