vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my XXXX, TRANSUNION and XXXX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : The account - ACCOUNT NAME : XXXX 15 USC 1681a ( 2 ) ( i ) - EXCLUSION ON TRANSACTIONS 15 USC 1666b - TIMING OF PAYMENTS **** XX/XX/year> FURNISHED AS " OK '' XX/XX/year> FURNISHED AS 30 DAYS LATE XX/XX/year> FURNISHED AS " OK '' HOW CAN I BE LATE UNDER 30 DAYS? PROVIDE THIS PROOF OF LATE PAYMENT WITH BANK STATEMENTS. 

A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH. *DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY.

*DO NOT DELETE THE ACCOUNT.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b.

Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.

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 2025-01-14 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: GA

Complaint narrative:
I recently received a copy of my EXPERIAN, XXXX and XXXX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : The account - ACCOUNT NAME : XXXX 15 USC 1681a ( 2 ) ( i ) - EXCLUSION ON TRANSACTIONS 15 USC 1666b - TIMING OF PAYMENTS **** XX/XX/year> FURNISHED AS " OK '' XX/XX/year> FURNISHED AS 30 DAYS LATE XX/XX/year> FURNISHED AS " OK '' HOW CAN I BE LATE UNDER 30 DAYS? PROVIDE THIS PROOF OF LATE PAYMENT WITH BANK STATEMENTS. 

A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH. *DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY. 

XXXX NOT DELETE THE ACCOUNT. 

XXXX DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b.

Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS ACCOUNT AS LATE. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b. 

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING. 
( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.

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 2025-01-14 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention :

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 2025-01-14 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: SC

Complaint narrative:
I am a victim of a breach and the accounts listed are not mine XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
While XXXX  in XXXX, a loan modification was requested by my ex-husband XXXX XXXX XXXX and processed by the mortgage company without my knowledge and signature. Never notified - my whereabouts were clearly known. 

Another loan modification was requested in XXXX, without my knowledge by the Estate of my now deceased ex-husband- I was not incarcerated. Mortgage company never acknowledge me or notified me of a change in the mortgage and again my whereabouts were known. 
The original mortgage company that has been hence been sold has never corrected this issue, that I raised the issue on numerous times. Fraud was committed and the new mortgage company perpetuates it...

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 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Back in the XXXX XXXX XXXX  I XXXX someone with my PNC account someone who scammed me and the bank couldnt help me. I tried to tell them it was a scam but they kept denying me and I was out XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have two student loans on my credit report that is showing inaccurate account balances. One shows You paid off XXXX % of this loan however my payment history shows youve made XXXX  % of payments on time. And the other one shows You paid XXXX % of this loan however same as the other loan it shows youve made 100 % of payments on time., This is affecting my credit score and also charging me interest on both loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: KY

Complaint narrative:
I am filing this complaint because Experian has engaged in practices that violate the Fair Credit Reporting Act ( FCRA ). Specifically, I have encountered the following issues with Experian : Improper investigation of disputes I submitted regarding inaccurate or unverifiable information on my credit report. Marking items as verified without providing proper evidence of verification. 
Despite my efforts to resolve these issues directly with Experian, they have failed to properly address my concerns. Their actions have caused harm to my credit profile and negatively impacted my financial well-being. I filed a dispute on XX/XX/year> regarding collections on my account. Experian failed to investigate properly and marked the items as verified without providing proof. These practices have resulted in incorrect information remaining on my credit report, causing my credit score to remain lower than it should be. This has made it difficult for me to access credit, secure loans, or obtain favorable financial terms.

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 2025-01-14 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: TN

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this 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 2025-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to formally dispute a charge-off listed on my credit report by Bank of America XXXX After reviewing my credit report, I believe this charge-off is inaccurate and does not reflect the actual status of my account. I am seeking your assistance in investigating this matter under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

I have attempted to resolve this issue directly with the creditor and through the credit reporting agencies, but the matter remains unresolved. The charge-off is causing significant harm to my credit standing, and I request an investigation into its accuracy and validity. 

I kindly ask that you : Investigate the accuracy of the charge-off reported by the creditor. 
Ensure that the creditor provides proper documentation verifying the validity of this charge-off. 
Remove or correct the inaccurate information if the creditor can not verify the legitimacy of the charge-off. 
I appreciate your attention to this matter and look forward to a resolution. Please keep me informed of the progress of this dispute.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I filed for bankruptcy inXX/XX/XXXXand my student loans were a part of my bankruptcy. My case has since been resolved and the student loans were suppose to be taken off. Here it is almost 4 years later and they are still showing up. It is still showing up on my credit report. This is for all three credit reports. How can I get this resolved.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NM

Complaint narrative:
XXXX - I was issued a credit card by USBank ( co sponsored XXXX XXXX XXXX ). I received 3 % rebates on all insurance premiums as promised up until XX/XX/XXXX. 
XX/XX/XXXX - I purchased Medicare premium for {$520.00} and was denied a 3 % rebate. 
XX/XX/XXXX - I purchased 2 Medicare premiums for {$560.00} each and was denied the 3 % rebate as advertised. 
Reason for denial : The credit card employees said these purchases were assigned a Merchant Code of XXXX ( not XXXX ) and thus was ineligible for the rebate. They could not explain why Medicare premiums weren't " insurance premiums '' as they advertised as being eligible for 3 % rebate. They gave me conflicting information about who assigned the Merchant Codes. My research indicates that the codes are assigned by a consortium of credit card companies and it was US Bank who had the authority to address their accounting practices.

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 monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: IL

Complaint narrative:
On XX/XX/year>, i received a notice that a new email was added to my XXXX profile. I reported that I did not do that, but when i tried to log in, I was asked to provide a two-factor authorization ( TFA ) code, which i didn't have. I then received a notice showing i was charged by Meta Pay to my credit card. I disputed the charge which XXXX was quick to help with. They told me to make sure I secure my account with Meta so it didn't keep happening. The problem is that Meta/XXXX direct you to log into your account to resolve any issues, and if you can't log in, there are no other support options. I went so far as to provide MetaXXXX a copy of my driver 's license hoping to get access to my account to secure it from further being used for scams, but even though they verified my identity, they wanted the TFA code ( which again, I can't access ). There are no options to contact anyone in any other manner, so my account can continue to be used to scam people, and I have no control over it. I also can't confirm what financial data this person my have access to given all the metadata that XXXX collects. I've reached out via XXXX as my only other way to connect, but haven't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I file XXXX claims for XXXX XXXX XXXX  from my chime account XXXX XXXX claim number XXXX is XXXX and for {$1700.00} and claim number XXXX is XXXX for {$1600.00} XXXX file them on XX/XX/XXXX authorize transaction my phone was took with my password been in my notes and I didn't have a password on my phone. I don't know who XXXX is I just want my money back please. My kid needs it.

Company response to consumer: Closed with explanation