vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused

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 2024-11-27 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:
I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused

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 2024-11-26 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: MS

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 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 p
ayment 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.

TRANSUNION 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 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 2024-11-26 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: MD

Complaint narrative:
I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and the following accounts and inquiries were added to my credit file without my consent : Accounts to Be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$760.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$6300.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$640.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX  XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : 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 non-monetary relief
Consumer complaint received 2024-11-27 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
Well, I contacted this collection many times and I asked them to provide me proof of ownership. This collection company never provider me any credit. of ownership so now this collection does not have any license to collect that in my state of Minnesota. This company does not have it any license in my state. I wan na them to remove from my current report test collection as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I reported my TD credit card lost on XX/XX/year>. I also reported a number of transactions worth as fraud as I did not recognise them. The next day ( XX/XX/year> ) TD issued a letter refusing to credit me for those transactions saying their investigation reveals fraud did not occur based on Card was not utilized after you notified us to close the card. TD claims to protect consumers from fraud but is now asking me to pay the balance and foreign transaction fee for transactions made on my lost card!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I am writing to formally request the blocking and deletion of a fraudulent account from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach and identity theft, and this account was opened without my authorization.

Account to Be Blocked and Deleted : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$460.00}

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 non-monetary relief
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries from my credit report. As a victim of a data breach, these inquiries were not initiated or authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Unauthorized Inquiries to Be Deleted XXXX. XXXX XXXX o XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries from my credit report. As a victim of a data breach, these inquiries were not initiated or authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Unauthorized Inquiries to Be Deleted XXXX. XXXX XXXX o XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : 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 2024-11-27 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:
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 informat
ion 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 2024-11-27 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: EQUIFAX, INC.
State: FL

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 explanation
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of certain fraudulent accounts and unauthorized inquiries on my credit report. As a victim of a data breach, I believe these accounts and inquiries were added without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$560.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$0.00} Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : 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 non-monetary relief
Consumer complaint received 2024-11-27 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:
In the month of XXXX I requested validation of debt after noticing numerous amounts of accounts furnished on my consumer report that I have no knowledge of or were created without my authorization. Ive disputed the issue with no response or reasoning from credit bureaus. They keep saying my dispute was made in error, a complete stall tactic!

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 2024-11-27 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: CA

Complaint narrative:
On my three credit bureaus, it is showing three hard inquiries that were NOT AUTHORIZED to be pulled. It is showing, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I have called, and emailed Transunion, XXXX, and XXXX and still nothing till this day XX/XX/XXXX has been resolved.

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 2024-11-27 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: CA

Complaint narrative:
On my three credit bureaus, it is showing XXXX  hard inquiries that were NOT AUTHORIZED to be pulled. It is showing, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I have called, and emailed XXXX, XXXX, and Experian and still nothing till this day XX/XX/XXXX has been resolved.

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 2024-11-27 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: TX

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$6300.00} XXXX XXXX XXXX XXXX XXXX - {$680.00} XXXX XXXX  XXXX XXXX - {$6300.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Name : XXXX XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-27 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: MS

Complaint narrative:
Request for Blocking and Deletion of Fraudulent & Inaccurate Accounts under 15 USC 1681c-2 ( a ) / XXXXXXXX XXXX XXXXXXXX XXXX # XXXX To Whom it may concern, I am writing to formally notify XXXX, XXXX, and TransUnion, of my status as a data breach victim, which has led to fraudulent accounts being opened in my name without my authorization. Under the Fair Credit Reporting Act, specifically, 15 USC 1681c-2 ( a ), as the following fraudulent accounts are crippling and damaging my consumer reports, as I do not recognize them. Regardless of any verification the furnishing companies submit via E-Oscar ; I request that you block and delete all accounts associated with this fraudulent activity from my credit report with in 4 business days. Accounts listed below. 

XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 

Status updated XX/XX/XXXX Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 58 % paid off Balance {$640.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XX/XX/XXXX - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX due amount {$640.00} Original balance {$1500.00} Monthly payment - Last payment date XX/XX/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 2024-11-27 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: MS

Complaint narrative:
Request for Blocking and Deletion of Fraudulent & Inaccurate Accounts under XXXX XXXX XXXX ( a ) / Equifax Data breach XXXX # XXXX To Whom it may concern, I am writing to formally notify Equifax, XXXX, and XXXX, XXXX my status as a data breach victim, which has led to fraudulent accounts being opened in my name without my authorization. Under the Fair Credit Reporting Act, specifically, 15 USC 1681c-2 ( a ), as the following fraudulent accounts are crippling and damaging my consumer reports, as I do not recognize them. Regardless of any verification the furnishing companies submit via E-Oscar ; I request that you block and delete all accounts associated with this fraudulent activity from my credit report with in 4 business days. Accounts listed below. 

XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 

Status updated XX/XX/XXXX Highest balance XXXX XXXXXXXX  Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 58 % paid off Balance {$640.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XX/XX/XXXX - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX due amount {$640.00} Original balance {$1500.00} Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation