vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I called Transunion to follow on the inquires that I don't recognize, I've contact the company and there is no account connect/ open with them. I was told by the Transunion agent they can help but I would have to file a report CFPB and thats the only way to remove after my call with them. The inquires to be remove on my account are : 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 2024-12-11 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-12-11 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: DE

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and Im baffled as to why theyre there. My usual credit check revealed discrepancies Ive never seen before. I tried refreshing the page in case it was a glitch, but the issues persisted. I am asking for an immediate and thorough review of the documents Ive sent to prevent this from happening 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 non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
This agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. Previously, I've made attempts directly with them to fix these issues and they are violating my rights. I demand they either pay me in the amount that I am entitled to which is {$1000.00} for every violation I listed or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Name : XXXX XXXX Last XXXX of card : XXXX Hi there, Im reaching out for assistance regarding my AmEx Delta XXXX XXXX, which I recently upgraded from the Delta XXXX in mid XXXX. Ive been trying to receive an undamaged and up-to-date card since then but have encountered a few recurring issues : 1. Damaged Cards : I have received damaged cards ( as highlighted in the attached photos ), which is concerning. Every card I've received, my name is damaged.

2. Outdated Version and Font Differences : The current, up-to-date version ( shown on the left in the photos ) features lighter font on the back. However, each replacement card Ive received shows a darker font that I can barely read, especially my SkyMiles number. You can see that on the old card, the metal edge doesn't show as much.

3. XXXX XXXX : The older card version includes a painted XXXX symbol, which I highlighted in red, and is not consistent with the updated design. 


Normally, I wouldnt be too concerned, but considering the {$650.00} annual fee plus the additional user fee, I expect a luxury experience that starts with the card itself. For most people, this is a hefty investment, and I havent received the luxury card I was anticipating to go with this hefty investment. 

Also, If this is a practice to make replacement cards cheaper than the first card that goes out, that's unfair and deceptive and the practice needs to stop. Each card should be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : US Bank In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The company LVNV posted a debt collection to my credit report. This debt doesnt belong to and I sent written communication via certified mail requesting proof of this debt. The amount is XXXX. The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXXXXXX XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 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 2024-12-11 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: PA

Complaint narrative:
My account with XXXX EXPERIAN 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. 


XXXX EXPERIAN 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 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 2024-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have a positive cash flow and extremely positive.

This bank is saying it is negative every month.

I know accounting and my bank says otherwise. 

I'd like for them to base my loan decision off my information, not someone else 's information. 

I've been paying off debt recently and alot of it, but I have money in my accounts all the time and yes, I have four checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and 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 XXXX, Equifax, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt 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 XXXX, XXXX, Experian.

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 2024-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to notify you that I am a victim of identity theft. As a result of this theft, there are several unauthorized inquiries on my credit report that I did not initiate or authorize. I would like to explain the situation and request your assistance in addressing these fraudulent inquiries. 

The unauthorized inquiries appear to have been made as a result of someone using my personal information without my consent. 

3. I have submitted a report to the Federal Trade Commission ( FTC ) through the IdentityTheft.gov website, which provides additional documentation of the theft. 


I would like to request that you review the unauthorized inquiries on my credit report and take appropriate action to remove any fraudulent inquiries related to this identity theft. These inquiries were not made by me, and I did not authorize any of the accounts or credit checks associated with them. 
this includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BK OF AMER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let me know if you require any additional information or documentation to process my request. I appreciate your prompt attention to this matter and your help in resolving this issue. 

Thank you for your understanding and cooperation. 

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 2024-12-11 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to notify you that I am a victim of identity theft. As a result of this theft, there are several unauthorized inquiries on my credit report that I did not initiate or authorize. I would like to explain the situation and request your assistance in addressing these fraudulent inquiries. 

The unauthorized inquiries appear to have been made as a result of someone using my personal information without my consent. 

3. I have submitted a report to the Federal Trade Commission ( FTC ) through the IdentityTheft.gov website, which provides additional documentation of the theft. 


I would like to request that you review the unauthorized inquiries on my credit report and take appropriate action to remove any fraudulent inquiries related to this identity theft. These inquiries were not made by me, and I did not authorize any of the accounts or credit checks associated with them. 
this includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM/TDBANK XXXX XX/XX/XXXX Please let me know if you require any additional information or documentation to process my request. I appreciate your prompt attention to this matter and your help in resolving this issue. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
I am deeply frustrated after finding unauthorized inquiries on my credit report today without any explanation. I regularly check my report, but these discrepancies suddenly appeared. Thinking it might be a browser glitch, I refreshed the page, but the inquiries remained. I urgently need the documents I provided to be carefully reviewed to resolve this issue permanently.

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 2024-12-11 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>XXXX  Please remove it from my credit report 2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent, nor did I benefit from the following accounts. They are fraud and please remove immediately.

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 2024-12-11 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.1429 ( 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 605c of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted information Transunion. Please delete the following accounts. 
XXXX XXXX : Balance {$660.00} : XXXX XXXX XXXX XXXX XXXX Balance {$50000.00} : XXXXXXXX XXXX : Balance {$390.00} : 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