vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/XXXXXXXX  in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is paid as agreed and should not be reporting negatively on my report.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXXXXXX 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 2025-01-13 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: FL

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/XXXXXXXX  in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is paid as agreed and should not be reporting negatively on my report.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXXXXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-13 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: FL

Complaint narrative:
So I have tried multiple times to dispute inaccurate information on my credit report with Experian. They have removed collections and then added them right back. Not only that but theyve done investigations and verified the debt as accurate after a couple of days. The first one is the collection on my credit report by the collection agency named XXXXXXXX XXXX XXXXXXXX the collection account is for the amount of XXXX XXXX I have no knowledge of this account or the charges. Not only that but I also noticed that for that collection my physical address wasnt even correct, they have an address on there that I never even lived at. That address being XXXX XXXX XXXX thats the address that was on the credit report. I submitted a dispute and stated the address on that collection was not correct. Experian deleted that address and still somehow verified that debt as correct even though the address was not mine. So the collection was added back on my account. I first disputed this account XXXX of XXXX. And I also noticed I have 10 hard inquiries on my credit report that I did not authorize. I also requested to have these removed as I did not authorize them. If I did not authorize or have knowledge of these hard inquiries why havent they been deleted from my report? This has happened with every collection on there from XXXX  Ive requested they be deleted but none of them have been investigated properly or deleted from my report. Theyve either been improperly investigated or deleted and added back. The XXXX collection included with the amount of XXXX. This collection was part of an authorized user who got a phone in my name and I asked that Experian investigate this in my dispute and somehow this was also verified as accurate which makes no sense! How were these accounts I did not authorize from collection agencys all verified accurate? Please assist me with this. I have XXXX children and cant get approved for anywhere to stay because Experian refuses to delete these errors. The other credit bureaus have removed some of these errors for me but they have failed to do so

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 2025-01-13 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and Im unsure why they are there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the inaccurate accounts remained. Due to this issue, Im requesting a thorough review of the documents I submitted to ensure I wont have to worry about this again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

{$290.00} Date Opened : XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and National Credit systems allegedly state that the account was not paid in full stating my daughter and I still owe them {$670.00}. When my daughter moved out we obtained a cashier 's check for the amount of {$740.00} on XX/XX/year> and sent to XXXX XXXX XXXX  and have proof the check was cashed by XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 recently reviewed my credit and seen fraudulent accounts on my credit please remove these accounts as they are hurting my ability to obtain good credit

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit and seen fraudulent accounts on my credit please remove these accounts as they are hurting my ability to obtain good credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Continually receiving calls from this debt collector not know who they are didnt get mail to verify who they are are what this debt is about and I dint have a wet signature with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 paid off my account with XXXX XXXX on XX/XX/XXXX. To date, it has not been updated accurately on XXXX, XXXX, or Transunion. XXXX XXXX is reporting the account on all three bureaus as late, and it has significantly impacted my score causing a XXXX point decrease. I ask that my score be updated immediately, because upon paying the account, they informed me that it would be reported at the end of the month in which the account was paid off, but they have reported inaccurately on XX/XX/XXXX and XXXX of XXXX to XXXX, XXXX, and Transunion, instead of reporting the correct payment amounts, the amount of last payment, the date of last payment, and the fact that the account is satisfied per the letter that i have attached to this complaint.

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 2025-01-13 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 am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe result from a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not through a third party, so please review it carefully. 

I did not authorize any of the actions related to these accounts or inquiries, and I believe they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which addresses the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], as well as Section 604, which covers permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. 

Upon contacting the companies responsible for reporting these accounts, I found that these actions were initiated without proper validation or original proof from the reporting parties. As I never authorized these accounts or inquiries, they are not factual and must be considered a result of either a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that these items be promptly investigated and removed from my credit report. If you can not provide the requested proof of authorization, I expect these entries to be corrected in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CO

Complaint narrative:
I am submitting this complaint against Trans-Union for their failure to conduct a proper and thorough investigation into multiple disputes I have filed.

The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Trans-Union have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report.

I trust that the CFPB will address this issue with the urgency it requires, ensuring that Trans-Union adheres to legal standards for credit reporting accuracy and dispute investigation. Thank you for your assistance in this matter.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 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 XXXXXX/XX/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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
Wsfs closed my account because it was not business account and they allowed debits to continue through the account and charge me fee they then put {$320.00} charge off on my report how can they charge off {$320.00} and not report me to XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I tried to apply for a new credit card and received a message that Experian has frozen my credit. I went to Experian to unfreeze it, but am unable to log in, because they have the wrong phone number in their records for me. The log in process requires that they text a security code to you. The phone number they have is an old land line that no longer exists. They keep " texting '' the code to that number. I have no way of receiving the code. I am unable to talk to anyone to update my phone number in their records. I can not use my XXXX account to log in because it isn't the same email that I used to create the Experian account. 

I tried calling Experian, gave them my social security number and requested to unfreeze my credit. Their automated system says my credit is already unfrozen and then it hangs up on me. However, my credit IS STILL FROZEN. I can not apply for credit. 

I will never be able to get a credit card or loan again, because there is no way for me to unfreeze my credit or log into my account. Experian 's automated voice system is inaccurate! There is NO WAY to speak to a human being, so I have NO RECOURSE. Experian has destroyed my entire financial life. I thought I was protecting my credit by freezing it. 

DO NOT EVER FREEZE YOUR CREDIT with Experian. You may never be able to unfreeze it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 reviewed my Consumer Report and noticed that i had lates payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks Date of reported late payment : XX/XX/year> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 reviewed my Consumer Report and noticed that i had lates payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks Date of reported late payment XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
I am not liable for this debt of {$860.00} with XXXX XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.

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 2025-01-13 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: MA

Complaint narrative:
I am not liable for this debt of {$860.00} with XXXX XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.

Company response to consumer: Closed with non-monetary relief