vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: GA

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 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 2024-11-08 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: NY

Complaint narrative:
Date : XX/XX/year> Amount {$2600.00} Account XXXX is PAID & CLOSED This hindering me from getting a loan a house & a car. 
I'm doing everything possible to moving on with my life. 
But this thing Charged off debt is creating dilemmas in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date : XX/XX/year> Amount {$2600.00} Account XXXX is PAID & CLOSED This hindering me from getting a loan a house & a car. 
I'm doing everything possible to moving on with my life. 
But this thing Charged off debt is creating dilemmas in my life.

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 2024-11-08 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:
On XX/XX/XXXX, I disputed the accuracy of ACCOUNT- XXXX XXXX XXXX XXXX via mail to TRANSUNION . TRANSUNION replied via mail on XX/XX/XXXX, stating that the account was verified as accurate. On XX/XX/XXXX, I replied via mail requesting a description of the procedure used to verify the account. On XX/XX/XXXX TRANUNION responded via mail stating that the data furnisher verified the information on my credit profile. On XX/XX/XXXX I followed up with TRANSUNION via mail requesting the information received from the data furnisher used to verify my account. On XX/XX/XXXX TRANSUNION responded via mail stating that the data furnisher verified the information on my credit profile. 

On XX/XX/XXXX I responded to TRANSUNION via mail stating that the following information is reporting incorrect and inaccurate on my credit report Missed payments on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX The total sum of the payments NOT reported equals {$1200.00} which is {$250.00} over the balance ( {$990.00} ) being reported. 

The payment history is INCORRECT and INACCURATE The amount owed is INCORRECT and INCACCURATE

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I entered the atm at Citibank in XXXX XXXX and was a victim of bank fraud. Several people were waiting on line at the branch where my card information was stolen. Over twenty transactions occurred on my account and Citibank did not alert me to any of the big transactions that were going on. Citibank has refunded me most of my money that was stolen except for {$4800.00} that is still remaining, I've contacted them on several occasions and was just told it's still being investigated. This is an outraged considering that most of my money has already been refunded and they are holding this last amount. Can you please advise or assist me with this matter because I need my hardworking money as this is not fair to it's customers who trust banks with their money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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: NJ

Complaint narrative:
I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my credit score and causing unnecessary stress

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 2024-11-08 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: CA

Complaint narrative:
Please take this seriously as I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: HI

Complaint narrative:
I am writing to formally submit another complaint regarding the continued false reporting on my credit reports by Equifax and XXXX, as well as the illegal use of my personal information. 

Despite my repeated attempts to resolve these issuesover ten dispute letters sent to the credit bureausI have not received a satisfactory resolution. Equifax has consistently employed stall tactics, claiming they can not verify my identity, even after I provided ample documentation, including my driver 's license, Social Security card, pay stubs, and evidence of the inaccurate accounts. 

Specifically, I am requesting the removal of the following accounts from my credit report due to false reporting and failure to validate their accuracy : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All other negative accounts associated with my name These accounts are damaging my credit profile and do not accurately reflect my financial responsibility. I have provided all required documentation, and it is unacceptable that Equifax continues to state they can not verify my identity. 

I urge the CFPB to investigate this matter and take appropriate action against these credit bureaus for their misleading practices. Thank you for your attention to this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: IL

Complaint narrative:
I have been disputing information and requesting corrections on my credit since the beginning of XXXX. At the end of XX/XX/XXXX I began to see incorrect and inaccurate information still existed on my credit report and reached out AGAIN to dispute. My personal information should ONLY be listed as instructed in my letter. ALL differences and variations must be deleted immediately. Transunion ignores me and send stall letters to tell me that they dont even think that it's me who is mailing them my letters. Huh? Who would try to correct my issue other than me? You can not continue to ignore my requests and report what you want to on my credit. According to XXXXXXXX XXXX XXXX XXXX Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY. This information violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC1681b.

This bureau also allows anybody to access my report without permission! Unheard of! Plus this bureau has not even responded with investigation results within the specified 30 days. I am demanding that everything be deleted 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 2024-11-08 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:
I am writing to request the blocking and deletion of fraudulent accounts from my credit report. I am a victim of identity theft due to a data breach, and unauthorized accounts have appeared on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate removal of these fraudulent accounts. 
The following accounts should be blocked and deleted : XXXX. Creditor : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, please delete the following unauthorized inquiry : Creditor : XXXX Date of Inquiry : XX/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 explanation
Consumer complaint received 2024-11-08 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  XXXX XXXX XXXX Date Opened : 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am currently the victim of Identity Theft. I'm contacting you because I believe a fraudulent account may have been created at Experian & it is impossible for me to contest or access the account. 

I've created accounts at both XXXX and XXXX, but it seems Experian already has an account w/ my information. When I try to change the login details, such as User/Name or password, it seems to be sending verification details to another person. 

After failing to get access or in touch w/ a specialist via phone, I sent a detailed emailed to their support contact : XXXX, but have not heard anything back. 

This identity theft has been a living nightmare since XXXX, involving law enforcement across 3 states. Please help me get in touch w/ Experian to gain access to the account and/or close any account that's currently in my name. 

My IdentityTheft.gov Reference Number is XXXX & would be happy to provide additional proof/ documents if you think it will help. 

To showcase the seriousness of this situation, I've attached a file detailing an interaction this fraudster had w/ a landlord in XXXX , TN. The Document also includes pictures of the individual and the car he apparently stole in Florida. 

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: MA

Complaint narrative:
Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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. Please Remove the following items from my credit report, immediately : 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 2024-11-08 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: VA

Complaint narrative:
Demand for Deletion and Compensation Due to Unauthorized Remark Code Changes on Accounts I am writing to formally demand immediate corrective action regarding a serious and illegal issue involving the unauthorized alteration of remark codes on my credit report. I recently reviewed my credit report and found that [ specific accounts affected, e.g., Account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had remark codes automatically changed without my consent or any lawful justification. This action constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting practices. 

The automatic modification of these codes has had a detrimental impact on my credit report, affecting my credit score and potentially damaging my financial opportunities. As a consumer, I am legally entitled to accurate and unaltered information on my credit report, as outlined by the FCRA. Your actions, whether through negligence or internal policy, have caused harm to my financial reputation and well-being. Changing these remark codes without proper authorization or notification is an illegal practice, and I will not tolerate it. 

I am formally requesting that Equifax take the following immediate actions : 1. Delete all unauthorized remark codes on the affected accounts.

2. Provide a written confirmation that these changes have been made and that all remark codes will reflect deleted information going forward.

3. Offer compensation for damages incurred due to these actions. This compensation should include, but is not limited to, any financial losses, emotional distress, XXXX  and other related damages caused by this unauthorized alteration. 


Please consider this a formal notice and opportunity to correct your practices. I expect Equifax to respond promptly with a written statement of your actions to address my concerns and ensure compliance with all relevant laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding fraudulent items that are currently being reported on my credit report. These inaccurate entries are severely impacting my credit score and financial standing. Despite my repeated efforts to address this issue, these fraudulent items remain unresolved, and the matter is now part of pending litigation. 
The presence of these false accounts is not only misleading to potential lenders but also a source of considerable XXXX  and harm to my financial reputation.

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 2024-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
I have received a letter in response to a previous complaint however, Target does not want to be responsible in removing late fees that amount to {$350.00}.

the amount is not owed to them. how is it that they can charge late fees over late fees??


Target states that the account is already charged off but still has me owing {$350.00} and I want the amount to disappear completely from account. Target does not want to take responsibility for their shady practices and stacking of late fees. Please assist me in getting Target to take back their late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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