vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: TX

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

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor.

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 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 2024-10-06 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:
XX/XX/year> 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. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX 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 : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor.

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer.

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 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request the removal of outdated and inaccurate personal information from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Specifically, I request that all previous addresses and phone numbers be removed, as they are no longer valid or relevant. 

My current and only address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please update my credit file to reflect this information and remove any previous addresses and phone numbers associated with my report. According to the FCRA, I have the right to ensure that my credit report only contains accurate and current information. 

I appreciate your prompt attention to this matter. Please confirm once the requested changes have been made. 

Thank you for your assistance. 

Sincerely, 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 2024-10-06 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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : 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  - XX/XX/year>

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 2024-10-06 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
Around XX/XX/XXXX noticed that there was a very large drop in my credit report ( XXXX ) in 6 month period. Found that there was a fraud account set up ( XXXX  ) and false address ( XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX set up under my name. I placed a freeze on my credit and started a fraud investigation through XXXX. I contacted XXXX XX/XX/XXXX to continue with opening fraud case and Identity thief was suggested and also contacting the bank of fraudulent account. I contacted XXXX and notified them of the issues and that this was not my account and someone had opened it fraudulently. XXXX was told they would start an investigation an send me the info they had. I have not received and information yet of what they have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX XXXX Date of inquiryXXXX XXXX Date of inquiryXXXX XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiryXXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX  Date of inquiryXXXX

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 2024-10-06 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:
Demand for Permanent Deletion of Unauthorized Accounts Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, This is a final demand for the immediate and permanent deletion of the following unauthorized accounts : XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX I have never signed a contract or provided a wet signature authorizing these accounts. This constitutes a violation of 15 U.S.C. 1681b of the FCRA. You have 48 hours to remove these accounts or I will initiate arbitration through the XXXX XXXX XXXX ( XXXX ). 

Failure to comply will result in legal action. 


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 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I purchased a laptop from XXXX online. I never received this item. Despite it being weeks late, and tracking never actually updating or applying to my purchase. I spent weeks with various XXXX departments back and forth with no help. They initially said via chat that it wouldn't be an issue and that the item would be refunded due to them seeing the same issues with my order as I saw. But it didn't happen and for no given reason my account was simply shut down. No response from them since despite numerous attempts. 

I then filed a chargeback with Chime showing all communication with XXXX, tracking records, porch camera recordings, emails, and bout XXXX other documents all proving my case without a shred of doubt. Despite this they still declined my dispute with no given reason and have not given me the documents they supposedly made this choice based on. 

I no longer have the XXXX documents I gave to chime but they SURELY have them in their system along with my dispute. If I need to find my old phone and somehow gain access to its XXXX systems I WILL do so. I wont let this go. XXXX is full of stories just like like mine from Chime and I'm tired if their theft. 

If Chime refuses to provide you with the documents I uploaded to them directly to their system from the Chime app, as requested, please contact me and I will take the steps to recover all of it myself should it become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  B # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX bank # XXXX, XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-06 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: MN

Complaint narrative:
This company attempted to collect a debt that I was not liable for. Furthermore this third party worked with my insurance company and the insurance made a payment. This action is in bad faith of my insurance and illegal for the collector. I responded to them when contacted. I sent in a document from XXXX stating they did there liability investigation and deemed I was not liable. Additionally they violated my FCRA rights as they accessed my credit report with out authorization or need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: TFC Credit Corporation of California
State: MN

Complaint narrative:
I sign up for a program with XXXX  that I pay using my Security credit Card from TFC. I never receive anything in exchange for my security exchange in their program. Instead, I was kicked out of the program for nonpayment. This is Securities Fraud. My credit card was used to pay the program in full for tuition and I am to pay back TFC for what XXXX received as Payment. I did not receive anything, Infact, I was kicked out of the program for nonpayment. 
I signed up for the XXXX XX/XX/year>, and was kicked out of the program for nonpayment XX/XX/year>. I believe my social security was used as payment for this transaction. This is the highest level of securities fraud. If there is any contract signed with not much clarity, I would choose to recission such contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX Account/ XXXX XXXX  number : XXXX Thank you for your understanding and prompt action.

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 2024-10-06 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: MN

Complaint narrative:
I request in writing XX/XX/year>, to XXXX XXXX XXXX XXXX to stop reporting negative impressions to my credit report. It stopped and then continued. I tender special deposit to XXXX XXXX XXXX XXXX XX/XX/year>, to pay off the account and made Affidavit of Notary Presentment and Certificate of Mailing XX/XX/year>, with Payment in full. I got no response and acknowledgement of my Notice of Acceptance with presentments and payment for the accounts. Instead, they keep reporting delinquency to my account and have their attorney file a lawsuit against my estate. As the implied surety of the Principal Debtor, I have the right to tender payment via special deposit. 
It was neither acknowledge nor rejected. 
This continued negative reporting is harming my financial health and ability to gain credit in good faith.

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 2024-10-06 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: MN

Complaint narrative:
I request in writing XX/XX/year>, to XXXX XXXX XXXX XXXX to stop reporting negative impressions to my credit report. It stopped and then continued. I tender special deposit to XXXX XXXX XXXX XXXX XX/XX/year>, to pay off the account and made Affidavit of Notary Presentment and Certificate of Mailing XX/XX/year>, with Payment in full. I got no response and acknowledgement of my Notice of Acceptance with presentments and payment for the accounts. Instead, they keep reporting delinquency to my account and have their attorney file a lawsuit against my estate. As the implied surety of the Principal Debtor, I have the right to tender payment via special deposit. 
It was neither acknowledge nor rejected. 
This continued negative reporting is harming my financial health and ability to gain credit in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: MN

Complaint narrative:
I request in writing XX/XX/year>, to XXXX XXXX XXXX XXXX to stop reporting negative impressions to my credit report. It stopped and then continued. I tender special deposit to XXXX XXXX XXXX XXXX XX/XX/year>, to pay off the account and made Affidavit of Notary Presentment and Certificate of Mailing XX/XX/year>, with Payment in full. I got no response and acknowledgement of my Notice of Acceptance with presentments and payment for the accounts. Instead, they keep reporting delinquency to my account and have their attorney file a lawsuit against my estate. As the implied surety of the Principal Debtor, I have the right to tender payment via special deposit. 
It was neither acknowledge nor rejected. 
This continued negative reporting is harming my financial health and ability to gain credit in good faith.

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