vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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:
Company has violated code 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall 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.

Balance dates open and close are all inconsistent within all 3 credit bureaus completed hindering me from my fair rights. 

I want all negative accounts removed and deleted in accordance with the XXXX  and fair credit reporting act and other laws outlined with the CFPB. 

These companies are sending automated letters and have no addressed the complaint with no account attached please issue a complaint on the consumers behalf

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Company has violated code 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall 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.

Balance dates open and close are all inconsistent within all 3 credit bureaus completed hindering me from my fair rights. 

I want all negative accounts removed and deleted in accordance with the XXXX and fair credit reporting act and other laws outlined with the CFPB. 

These companies are sending automated letters and have no addressed the complaint with no account attached please issue a complaint on the consumers behalf

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 2024-03-04 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: WA

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
In XX/XX/XXXX I received in my credit report an account that appears in collection with an opening date of XX/XX/XXXX. under the name of XXXX XXXX XXXX. 

I have never made an account with this company, so I kindly ask that this account be removed from my credit report. 

I am attaching a copy of the credit report where I demand that all the investigations be made and that all the laws imposed by the FCRA be complied with where the complete information of said account is shown which I do not have an account with XXXX. 

In the credit report, as you can see, neither the date of opening of that account, nor the payment history of this account appears. So I request that all the investigation be carried out and once completed, all the documentation is sent to me to verify said account since the account that appears in my report does not belong to me, much less I make any account opening in XXXX nor do I have a payment history.

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 2024-03-04 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: PA

Complaint narrative:
I am writing to express my extreme frustration with the ongoing issue regarding the collection accounts on my credit report. Despite my repeated attempts to resolve this matter, the inaccurate information persists. This not only reflects poorly on your organization 's credibility but also violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
I am writing to express my extreme frustration with the ongoing issue regarding the collection accounts on my credit report. Despite my repeated attempts to resolve this matter, the inaccurate information persists. This not only reflects poorly on your organization 's credibility but also violates my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: IL

Complaint narrative:
I have a couple hard inquiries that I did not authorize, i did not give permission for my credit to be ran, and i would like them to be deleted immediately off my credit report. I have filed a report with the ftc and would also like for those inquiries to be deleted off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: KS

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX I deposited {$500.00} cash on a US Bank atm at my branch on XXXX XXXX, XXXX XXXX  XXXX KS XXXX The money was deposited fine, I even paid some bills with it. A few minutes later my account was negative and online banking said atm deposit reversed! I immediately talked to the branch manager, he told me to call US BANK line, talked to someone who told me to wait until end of the day, I asked for a supervisor that told me to start a REG claim and to talk to my branch manager again. I did all that and was told to wait until Monday so I can hear from a higher up and hopefully get my account funded! That did not happen!! She wrote an email saying I need to be patient and wait for the process. I asked to speak with the District manager and was told he doesnt see clients. I even reached out to US bank social media department as I am desperate and need this money to pay rent as I also had another check deposit made the same day to pay all my bills and this created a big financial mess for me!!! I now have a late fee for my rent and had to borrow money from a lender with huge interest and I keep being told to be patient I JUST WANT MY MONEY AND ALL FEES THAT THEY CAUSED ME TO HAVE.

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 2024-03-05 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: PA

Complaint narrative:
Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a XXXX XXXX XXXX After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

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

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2022 I reached out to all XXXX of the Credit Bureaus in regards to unauthorized and fraudulent credit inquiries made by various of companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report concerning my account with XXXX XXXX, ending in XXXX. XXXX and TransUnion report indicates that the payment for the month of XXXX is 30 days late, which is incorrect. I have substantial evidence to support my claim and rectify this issue. 

The payment for XX/XX/2024 was due on the XXXX and was, in fact, made on XXXX. Furthermore, my XXXX payment was made on XX/XX/2024, and my XXXX payment on XX/XX/2024. 

XXXX and XXXX are reporting on time, why is XXXX reported late when all payments are due on the XXXX of each month. 

I have attached emails, payment confirmations, and bank statements highlighting each transaction for your review. These documents clearly demonstrate that all payments were made on time. 

Moreover, I received a notification that the funds were returned due to an alleged error on XXXX 's part. Upon verification with XXXX XXXX, my bank, it was confirmed that no payment request from XXXX had been received. I promptly notified XXXX of their error, providing screenshots of the available funds as evidence. Despite these actions, my credit report now reflects a 30-day delinquency for XX/XX/2024. I submitted the payment within 30 days and XXXX never retrieved the payment until I responded to the email. For there the payment was processed a day later. 

I kindly request that XXXX thoroughly investigate this matter and promptly remove the erroneous late payment from my credit report. The adverse impact on my credit score necessitates an urgent resolution of this issue. 

Thank you for your attention to this matter. Enclosed are the necessary documents to support my dispute. I trust in your ability to address this situation promptly and accurately.

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 2024-03-04 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: TX

Complaint narrative:
I went through a legal name change in XX/XX/2022 and have requested Experian to make an update accordingly. After I've filed a request with Experian and supplied required documents for proof, Experian did not handle my request and my current online credit profile does not show any credit history or current active credit accounts except one. As a result, my credit score is under XXXX purely because it does not properly reflect my credit history. For comparison, I have 13 active and current credit accounts and those information are correctly reflected in XXXX and XXXX. 

I have reached out to Experian over 30 times throughout the past 16 months to get this matter resolved. While Experian responded claiming their data pull is reflecting all information properly, when I log in to the Experian website to check on my credit score it does not show any credit information. I do not understand why this is taking a very long time. This has driven my frustration level through the roof.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been trying to solve a problem that I have with this company in my credit report, where backed by the laws that protect the consumer according to the FCRA, all the information shared by the companies must be accurate and precise or else it must be removed from the consumer report. 

For more than 10 months I have tried to reach a solution by sending reports by all means even sending a report directly through this CFPB portal, where unfortunately the results remain the same, the laws imposed on fair credit are not respected. 

The company YAMAHA MOTOR FINANCE, in the report it has with XXXX, expresses that the status of said account is " account paid in full ; the a charge off ''. 

As you can see in the attached document of the company the payment history of that account is OK, during multiple occasions I have asked the company to please verify the information and it is modified, or otherwise deleted from my report. 

As you can see in the document they respond that the information is correct and accurate, which in the documentation there is nothing correct and precise because if the account shows an excellent payment history, how can it show that the account had a charge off, so I demand it by relying on the laws to the fair credit that this company in conjunction with XXXX, take all the measures, I am notified by postal mail all the research they carry out, where they demonstrate in which month the account was in charge off, what are the months that was not paid so that the account was in said charge off. 

The account says that it was closed on XX/XX/XXXX, with an excellent payment history but in the status I see a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: AZ

Complaint narrative:
I have reached out to transunion and my lender XXXX XXXX XXXX to update my credit showing the account current, it still shows my account as past due which it hasn't been for XXXX  months. XXXX days they have updated transunion says different I have mad multiple disputes with transunion and they won't change th account status

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 2024-03-05 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: VA

Complaint narrative:
The following accounts XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX  XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX  XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to XXXX Or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
My extremely sensitive personal data appears to have been stolen in the Ransomware attack on Loan Depot that happened recently. I only know this because Loan Depot sent me a piece of mail about it offering credit monitoring. I am not doing this. However, my mortgage is serviced by XXXX XXXX and has been for over years now. I don't know how or why Loan Depot even got my information to steal, since in my records they have never serviced my loan. I suspect that they got my data through the secondary mortgage market or through a mortgage-backed-security ( MBS. ) This has never been disclosed to me, yet my data has been sold by 4 other mortgage companies since I originated my loan. I am extremely unhappy that my data can be accessed by third parties without any disclosure, opening myself and many others to unauthorized and malicious activity. The fact that we have no recourse and these companies get no punishment is unsatisfactory. We need better privacy protections and we need to especially protect our citizens when it comes to the extremely sensitive data that is bundled into mortgage financing. How can we prevent this from happening and being revictimized repeatedly? In the last year I have had my social security number, email, phone, and other information stolen at least 4 times and all I ever get in return is an offer for free credit monitoring. Not good enough. And this Loan Depot one has me upset more than the others because I didn't even know they had my information because it has never been disclosed to me! 
Also, this company is using my previous name that was changed in XXXX so I have no idea how long they have been storing my information. My first mortgage was issued in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2024-03-05 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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

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