vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality has violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. I WOULD LIKE THESE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY REPORT IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality has violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. I WOULD LIKE THESE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY REPORT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
ON XX/XX/year>XXXX  I RECEIVED SEVERAL LETTER THAT MY ACCOUNTS WOULD BE CLOSED FOR HIGH RISK AND FAILURE TO PAY. WHICH IS NOT A TRUE STATEMENT. MY JC PENNEYS ACCCOUNT WAS CLOSED WITH AN {$0.00} BALANCE. MY CARECREDIT ACCOUT WAS CLOSED WITH AN {$0.00} BALANCE. MY AMAZON ACCOUNT WAS CLOSED BALANCE {$840.00} CURRENT AND NEVER LATE. MY LOWES ACCOUNT WAS CLOSED BALANCED {$3600.00} CURRENT AND NEVER LATE. MY ROOMS TO GO ACCOUNT WAS CLOSED BALANCED {$3400.00} CURRENT AND NEVER LATE. THEN SYNCHRONY BANKS SAYS IM STILL RESPONSIBLE FOR THOSE ACCOUNT THAT I DIDNT REQUEST FOR THEM TO CLOSED. PLEASE HELP ME TO RESOLVE THIS SITUATION AND THANK YOU SO MUCH. 


MS 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed an account on my credit report that doesnt belong to me. I believe it might be due to identity theft or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
I am extremely confused about the inaccuracies reflecting on my report. I feel down and I could no longer continue with my daily routine because my credit score has negatively affected my emotions and mental well-being

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 2024-08-26 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX XXXX  Bal. {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX XXXX  Bal. {$0.00}

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 2024-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have been receiving nearly non-stop phone calls, mostly spam, related to this company. This is Monday through Friday, while I am at work. One of the days it was at XXXX my time. I stopped keeping record of the date because I have been receiving up to 8 calls a day. The number associated with my account I also use for work and so it is causing interruptions in work communication. The debt they are trying to collect is a mistake as well. I already filed a complaint with the medical provider using the information they sent with their letter. I have yet to receive anything written from CCS. The alleged date of service is off by 2 years. Furthermore, at the time services were rendered, I was under XXXX and had no financial responsibility ( co-pay, etc. ). SO trying to recoup this 1. incorrect debt and 2. by harassing me is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
These accounts that are reporting are the result of a data breach. My information was compromised. Please XXXX the accounts listed on my FTC report. Thank you.

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 2024-08-26 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
These accounts that are reporting are the result of a data breach. My information was compromised. Please XXXX the accounts listed on my FTC report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit and purchase a home for me and 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 explanation
Consumer complaint received 2024-08-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
When I went to review my credit profile there was some inquiries that were not mine.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account XXXX Account number XXXX is not showing on my XXXX and Equifax credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: UPGRADE, INC.
State: GA

Complaint narrative:
I sent this to XXXX concerning Upgrade XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern, I recently sent you a letter last month because you are reporting some late payments that are NOT accurate and I would like you to update these late payments to being ON TIME PAID AS AGREED. I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. You seem to not understand how serious this is because you have not corrected this issue. As a reminder, a consumer can sue {$1000.00} per item that is not accurate on their report. 

Also, this letter is a formal complaint that you are reporting to my consumer report fraudulently. 

According to the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a ), it is a fact that I, the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that I have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received, this reporting error is a violation of 15 U.S. Code 1666 ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
according to the Uniform Commercial Code it states that there is to be no interest charge when youre not dealing with money youre dealing with a consumer credit transaction down payments are illegal according to the uniform Commercial Code and I was never told about being able to rescission my contract any of that type of disclosure which is a violation so Im seeking all the interest that Ive paid for the two different promise to pay loan installments and I want compensated for the pain and suffering and the headache that this has caused me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
Please remove these inaccuracies off of my report as they are negatively affecting my credit scores- resulting to a huge damage to my mental well-being and overall state of living.

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 2024-08-26 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: PA

Complaint narrative:
I am writing to urgently follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable and reflects poorly on your agency 's compliance with legal obligations under the Fair Credit Reporting Act ( FCRA ).

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) to be removed.

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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: LA

Complaint narrative:
Please help me! I noticed inquiries on my report that aren't mine. This is hurting me and my family deeply. Please remove them 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 non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2024-08-26 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: SC

Complaint narrative:
Dear CFPB, Transunion Credit Bureau continues to report my credit files as delinquent from XXXX XXXX. XXXX XXXX sent me a letter in XX/XX/2024 and advised me that the company was in error of reporting me delinquent and XXXX XXXX advised me that they would correct this error with all three Credit Bureaus. I also sent a copy of the letter to TransUnion. In XX/XX/2024, Transunion continued to report me delinquent in which my credit score drop significantly. 

Kind regards,

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2024-08-26 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: MS

Complaint narrative:
These late payments don't align with my usual payment pattern.

Company response to consumer: Closed with non-monetary relief