vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
Re : Transunion LLC I Demand for Deletion of Inaccurate Information in My Consumer Report To Whom It May Concern : I am writing to formally demand the deletion of inaccurate information being reported on my consumer file maintained by TransUnion. Specifically, I have identified erroneous information being reported by XXXX XXXX XXXX that violates several provisions of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting includes mismatched addresses, phone numbers, and incorrect employment information. Under 15 U.S. Code 1681s2, Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX XXXX is prohibited from reporting any information to a consumer reporting agency if they have actual knowledge or reasonable cause to believe that the information is inaccurate. Additionally, under section ( a ) ( 1 ) ( B ), if the consumer has notified XXXX XXXX XXXX of inaccuracies, they must correct or delete the erroneous information. I have already informed XXXX XXXX XXXX of these discrepancies and have provided them with the necessary evidence to demonstrate the errors. However, they continue to report inaccurate information, in violation of their duties under the FCRA. Furthermore, TransUnion is obligated under 15 U.S. Code 1681e, Compliance Procedures, to maintain accurate and up-to-date information in consumer reports. By continuing to report this erroneous information from XXXX XXXX XXXX, you are in violation of this provision as well. The specific inaccuracies on my consumer file include : Incorrect address information Mismatched phone numbers Inaccurate employment details as reported by XXXX  XXXX XXXX, TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. By failing to delete the inaccurate information provided by XXXX XXXX XXXX, TransUnion is in violation of its legal obligations under the FCRA.As you are aware, continued reporting of inaccurate information is damaging to my credit, and as such, I demand that you immediately investigate this matter and delete the incorrect information from my file. I also request that you provide written confirmation that these inaccuracies have been removed, as well as a copy of the corrected consumer report. Please treat this as a formal notice under the FCRA and immediately correct the errors. If you fail to resolve this issue, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies available under the law.I look forward to your prompt action on 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 2024-12-03 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: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-03 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: GA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-03 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: NY

Complaint narrative:
I am writing to delete the following information from my file. the items I deleted are listed in the report. I am a big team of identity theft. I reported the theft on my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible.

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 2024-12-04 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: GA

Complaint narrative:
I acquired my consumer report and asked Equifax and XXXX consumer reporting agencies to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited and received my investigation and noticed everything is still the same. The consumer reporting agency which is Equifax did not remove the unauthorized and unverified inquiries from my Consumer Report. However, XXXX have removed/deleted the unauthorized and unverified inquiries from my consumer report while Equifax has not. Equifax is still reporting the following inquires on my consumer report : XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> CREDITOR XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year> CREDITOR : XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/year> XXXX  : XXXX XXXXXXXX XXXX XXXX INQUIRY DATE : XX/XX/year> CREDITOR : XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> CREDITOR : XXXX XXXX VIA DEALER INQUIRY DATE : XX/XX/year> CREDITOR : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> The unauthorized and unverified inquiries listed above need to be removed/deleted from my Equifax Consumer Report due to this being a violation of my consumer rights. This inaccuracy is impacting me from buying a home for my family, and having the ability to provide a moderate living for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of loans, credit cards, and any other accounts from XXXX XXXX XXXX with a balance of {$710.00}, XXXX XXXX XXXX with a balance of {$840.00}, XXXX XXXX XXXX with a balance of {$540.00}, XXXX XXXX XXXX XXXX with a balance of {$42000.00}, XXXXXXXX XXXX  with a balance of XXXX CXXXX XXXX with a balance {$490.00}, XXXX XXXX XXXX XXXX with a balance of {$450.00}, XXXX XXXX XXXX XXXX with a balance of {$160.00}, XXXX XXXX XXXX with a balance of {$1500.00}.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
( See attached ) XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last XXXX of ssn : XXXX I have a serious problem with the credit reporting agencies furnishing certain transactions and experiences from the account that the principal has with american express XXXX it is a well known documented and discussed fact that American Express does not report credit utilization to the credit reporting agencies in regards to credit accounts. in pursuant to15 U.S. Code 1681a ( D2 ) Exclusions- '' the term consumer report does not include any report containing information solely as to transactions or experiences between persons related by corporate control ''. and as such Credit utilization is a " Experience '' that shouldn't be furnished to consumer reports. Now Im not sure WHO IS TO BLAME for the said experiences being reported but for several months ive been asking the same thing ... ... and herein XXXX of XXXX of the entities involved is VOLUNTARILY ILLEGALLY reporting this negative information to my credit files. To all entities involved make a good faith effort to resolve this matter by removing the credit utlization remark from my credit files associated with the account ending XXXX. I dont want the utilization being reported to my file thats it. this will be mailed physical and delivered electronically to all parties involved. If there is " confusion '' as to what needs to be done just call me XXXX. 

Yours Truly, Beneficiary All rights retained with estoppel without recourse XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX herein are trademarks service marks or common law trademarks of XXXX XXXX XXXX XXXX XXXX and its MEMBERS. ANY UNAUTHORIZED USE OF THE MARKS WILL BE PROSECUTED ACCORDINGLY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CO

Complaint narrative:
I submitted a letter to all three Credit reporting agencies regarding an account that is reporting inaccurately on my credit report on XX/XX/year>. 
The account payment history is inaccurately showing late payments. The account shows a history of on time payments then goes immediately to 120 day late payments, which is not possible or accurate. FCRA states that account are to be reported accurate. 
XXXX is also reporting the payment status inaccurately, it should state XXXX as agreed. 
Ive included the certified letters that were sent to the XXXX XXXX agencies as well as the credit report for the account in question.

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 2024-12-03 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: CO

Complaint narrative:
I submitted a letter to all three Credit reporting agencies regarding an account that is reporting inaccurately on my credit report on XX/XX/year>. 
The account payment history is inaccurately showing late payments. The account shows a history of on time payments then goes immediately to 120 day late payments, which is not possible or accurate. FCRA states that account are to be reported accurate. 
XXXX is also reporting the payment status inaccurately, it should state XXXX as agreed. 
Ive included the certified letters that were sent to the XXXX XXXX agencies as well as the credit report for the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is being vindictive due to the fact theyve been proven to be fraudulent liars. And because evidence was sent in with me being with XXXX XXXX and that I no longer has their over expensive XXXX XXXX and proof that fraud had taken place back in XXXX Now it appears on their recent Mortgage XXXX that I now owes {$66000.00} XXXX compared to their bogus XXXX XXXX. And my bank statements would prove that Ive been faithful on my payments which were reduced due to them receiving the XXXX from 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 2024-12-03 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of M & M CREDIT Account ( Account # : XXXX ) Dear Sir/Madam, I am writing to dispute the M & M CREDIT account ( Account # : XXXX ) reported on my credit report by XXXX, XXXX, and XXXX XXXX This account is in violation of my credit reporting rights, and I request that it be deleted in its entirety. 

The reasons for this dispute are : XXXX. *Lack of XXXX : The creditor has not provided verification of the debt, as required by the Fair Credit Reporting Act ( FCRA ). I request that the creditor provide documentation to support the validity of this debt. 

XXXX. XXXXIncorrect Account InformationXXXX : The account information is inaccurate, including the date opened, balance, and payment status. I request that the creditor correct this information to reflect the actual account history. 

XXXX. XXXXUnfair Collection PracticesXXXX : The creditor has engaged in unfair collection practices, including reporting a collection account without proper verification. This is a violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. *Failure to Update Account StatusXXXX : The creditor has failed to update the account status to reflect the actual payment history. I request that the creditor update the account status to reflect the correct payment history. 

Pursuant to the FCRA, I request that this account be deleted in its entirety due to the creditor 's failure to comply with federal credit reporting laws. I also request that you provide a corrected copy of my credit report to me within 30 days. 

I would like to bring to your attention the following consumer credit laws that support my request : ** Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

** Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

I request that you take immediate action to delete this account and correct my credit report. Please provide a written confirmation of the deletion within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

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 under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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 amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-12-03 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: Experian Information Solutions Inc.
State: AL

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 under 15 USC 1681.

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 XXXX 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.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I tried to call Bank of American multiple times to find out when my No Interest offer ended. No one could tell me, and it was not listed on the statement. Finally, XXXX person said that the card was open XXXX  months ago so he assumed I had XXXX  months of no interest. On that day, which is also the due date of my card, I paid off my card. After paying off my card, I received a late fee and interest charge. The late fee was removed but the interest was not.

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 2024-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I Have an account with Flagstar Bank, I logged in on their platform with the intent to transfer funds from an external account ( XXXX ). This occurred on XX/XX/year>. The funds left my ( XXXX ) account on XX/XX/year> yet never landed in my account with Flagstar. Flagstar sent me an email a later on the XXXX saying that the transfer couldn't occur as they couldn't verify that the account XXXX in this case was my account to withdraw funds from. I called up and provided them via email a bank statement showing proof of ownership. I heard nothing from them, and no money was deposited back into my account XXXX or Flagstar. I called on the XXXX of XXXX and they said that they will enable me to transfer funds back from external accounts now that I proved I'm the owner. They also said that the funds will go back to XXXX. Its now XX/XX/XXXX and my funds are missing. Flagstar claims they don't have it and that an intermediator has it known as XXXX. Flagstar advises that I should have XXXX do a XXXX release to get the funds back. XXXX XXXX know what they are talking about because they have the trace numbers showing that Flagstar has it.

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