vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX - acct # XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-05-20 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: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXXday notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: NC

Complaint narrative:
I am writing to formally complain about Experian 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, Experian failed to address or correct the inaccuracies in my credit file appropriately. 

XXXX  : Account number : XXXX, This account is inaccurate. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, I was never late. Update this on my report. 

XXXX XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Remove this account ASAP. 

XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. 

XXXX XXXX XXXX | XX/XX/year> : Account number : N/A, This is an inquiry reporting in error and should not be present on my credit report. Delete this inquiry immediately. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive.

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 2024-05-20 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: TX

Complaint narrative:
I requested them to correct the issue at hand of them reporting inaccurate information to the bureaus, I agreed to settle for the statement of paid in full they turned around reported a collection/delinquency with a balance every credit bureaus reported dropping credit significantly XXXX, XXXX still show the account with a balance as of my latest dispute with them they have refused to removed it. We came to an agreement in which they offered a settlement I accepted and complied with the terms. Shortly after they decided to then report the account to collections with a balance of XXXX continuing to report missed / late payments every month even still now as of XX/XX/year> they have reported XXXX alone to XXXX after the agreement of payment they told me the account was closed and nothing further needed but went back on there word charged off my account and still continues to demand payment for the remaining balance. Had that been the case I simply could have paid it in whole but they continued to push for a settlement they have taken my payment and ruined my credit with no explanation or consequences. They even wrote off the full amount then collected from me and now continues to want more I believe that is a tax fraud on there behalf abusing there power and taking money from our government. I truly feel I should be compensated from XXXX XXXX for these horrible things they have done. I am currently in the process of buying my first home for my daughter and I and these actions by both the credit card company XXXX XXXX and the credit bureaus ( XXXX, XXXX, and TransUnion ) are ruining our opportunities for a better life, a better financial situation the amount of distress this has cause us is staggering and unacceptable.

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 2024-05-20 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: TX

Complaint narrative:
I requested them to correct the issue at hand of them reporting inaccurate information to the bureaus, I agreed to settle for the statement of paid in full they turned around reported a collection/delinquency with a balance every credit bureaus reported dropping credit significantly XXXX, equifax still show the account with a balance as of my latest dispute with them they have refused to removed it. We came to an agreement in which they offered a settlement I accepted and complied with the terms. Shortly after they decided to then report the account to collections with a balance of XXXX continuing to report missed / late payments every month even still now as of XX/XX/2024 they have reported XXXX alone to equifax after the agreement of payment they told me the account was closed and nothing further needed but went back on there word charged off my account and still continues to demand payment for the remaining balance. Had that been the case I simply could have paid it in whole but they continued to push for a settlement they have taken my payment and ruined my credit with no explanation or consequences. They even wrote off the full amount then collected from me and now continues to want more I believe that is a tax fraud on there behalf abusing there power and taking money from our government. I truly feel I should be compensated from XXXX XXXX for these horrible things they have done. I am currently in the process of buying my first home for my daughter and I and these actions by both the credit card company XXXX XXXX and the credit bureaus ( XXXX, equifax, and XXXX ) are ruining our opportunities for a better life, a better financial situation the amount of distress this has cause us is staggering and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
I requested them to correct the issue at hand of them reporting inaccurate information to the bureaus, I agreed to settle for the statement of paid in full they turned around reported a collection/delinquency with a balance every credit bureaus reported dropping credit significantly Experian, XXXX still show the account with a balance as of my latest dispute with them they have refused to removed it. We came to an agreement in which they offered a settlement I accepted and complied with the terms. Shortly after they decided to then report the account to collections with a balance of XXXX continuing to report missed / late payments every month even still now as of XX/XX/year> they have reported XXXX alone to XXXX after the agreement of payment they told me the account was closed and nothing further needed but went back on there word charged off my account and still continues to demand payment for the remaining balance. Had that been the case I simply could have paid it in whole but they continued to push for a settlement they have taken my payment and ruined my credit with no explanation or consequences. They even wrote off the full amount then collected from me and now continues to want more I believe that is a tax fraud on there behalf abusing there power and taking money from our government. I truly feel I should be compensated from XXXX XXXX for these horrible things they have done. I am currently in the process of buying my first home for my daughter and I and these actions by both the credit card company XXXX XXXX and the credit bureaus ( Experian, XXXX, and XXXX ) are ruining our opportunities for a better life, a better financial situation the amount of distress this has cause us is staggering and unacceptable.

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 2024-05-20 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: IL

Complaint narrative:
Upon reevaluation, I disagree with the findings of the previous investigation. While the XXXX XXXX XXXX XXXX account # XXXX was verified, there's no clear evidence of late payments for the specified dates. I request a statement from the creditor to confirm any late payments. If not available, I suggest updating the account immediately, as XXXX and XX/XX/year> payments were not late.

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 2024-05-20 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: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 explanation
Consumer complaint received 2024-05-20 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: PA

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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 am reaching out to TransUnion regarding the investigation of my XXXX XXXX account. Recently, I conducted investigations with XXXX simultaneously XXXX. XXXX completed their investigations and subsequently deleted the account. I understand that all three credit bureaus follow the same procedures, including the Metro2 and E-Oscar systems, to delete accounts. If this is the case, why is TransUnion still reporting these accounts while XXXX isn't? Per the law, this is a violation. Delete this account.

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 2024-05-20 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: GA

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 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.

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 2024-05-20 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: GA

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.

US Department of Edu Acct : XXXX XXXX Department of Edu Acct : XXXX XXXX Acct : XXXX, has violated my rights. 


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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
XXXX of 2023, I contacted XXXX Mortgage company in regards to the constant late payments reported to my credit while the loan was in forbearance. The length of the forbearance was during COVID-19. When I contacted the company, the representative stated there was a past due amount that would be rolled over and I asked why I wasn't notified of the late payment. I was never provided an answer.

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 2024-05-20 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: TX

Complaint narrative:
I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. You instead sent a stall letter alleging that a third party was submitting on my behalf. I, XXXX XXXX am a natural person and not a third party. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXXXXXX

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. You instead sent a stall letter alleging that a third party was submitting on my behalf. I, XXXX XXXX am a natural person and not a third party. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received mail on XX/XX/XXXX and XX/XX/XXXX coming from Capital One and one sent from XXXX XXXX on a date around the same time but do not recall when. The request for one of them which I opened mistakenly was for a student loan which was denied. It was sent to my address but for a completely different name of a person that does NOT live at my address and never did ( XXXX XXXX ). I know of ALL the residents living in my home for the last 60 years so I am confident this is someone trying to scam. There have never been renters in my home and the same for prior owners for the last 6 decades. I returned the mail back to USPS indicating to return to sender because the person does not live here. I have not been contacted by them but I have notified both XXXX XXXX and Capital One of this fraudulent activity. I am shocked to see another piece of mail coming to us for a second time from Capital One with this person 's name and would like to ensure this person is identified and stopped as well as these banks which continue to process these requests, which to my knowledge have all been denied. Both my husband and I have our credit frozen and will remain that way unless we are personally applying for something. We do not believe our identities have been stolen, but this person is using our address without permission for their own fraudulent attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to 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