vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
Subject : Complaint Against TransUnion for FCRA Violations Regarding XXXX  XXXX Accounts To Whom It May Concern : I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning two XXXX  XXXX accounts listed on my credit report. Despite multiple disputes, these accounts continue to inaccurately show a charge-off balance, which is a clear violation of the FCRA. Additionally, these accounts are not being reported consistently across all credit bureaus, which further suggests inaccuracies. 

Details of the Complaint : Inaccurate Reporting : Both XXXX XXXX accounts on my TransUnion credit report are inaccurately showing charge-off balances. 
Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information.

Despite multiple disputes filed with TransUnion, the inaccurate information remains on my credit report.

Failure to Conduct a Reasonable Investigation : TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable investigation when a consumer disputes the accuracy of information. 
The persistence of inaccurate information suggests that no reasonable investigation was conducted. 
Inconsistent Reporting Across Bureaus : The XXXX XXXX accounts in question are not reported on my credit reports from other major credit bureaus. 
This inconsistency further supports the argument that the information reported by TransUnion is inaccurate and should be corrected or removed. 
Request for Immediate Action : I request the immediate removal of both XXXX XXXX accounts from my TransUnion credit report. 
Continued reporting of inaccurate information is damaging my creditworthiness and is a violation of my rights under the FCRA. 
I appreciate your attention to this matter and expect a prompt resolution. If these inaccuracies are not corrected immediately, I will consider taking further legal action to enforce my rights under the FCRA. 

Thank you for your assistance.

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 2024-06-11 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:
My name is XXXX XXXX, it appears that some of my credit report accounts are unrecognizable. I have had my identity stolen. The letter lists all unfamiliar accounts. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. As I am unaware of these accounts, it is necessary to remove them. It is my respectful request that the following items be removed. Please accept my sincere thanks in advance.

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 2024-06-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$2300.00} but the current account balance is {$140.00} I have attached a screenshot of this account information below

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
1. How can the original creditor report a balance when it's been sold to a debt collector XXXX XXXX XXXX Account Number : XXXX Delete from report 2. This is not my collection XXXX XXXX XXXX Account Number : XXXX Delete from report 3. Dates of activity do not match XXXX XXXX XXXX  Account Number : XXXX Delete from report 4. This is not my collection XXXX Account Number : XXXX Delete from report 5. Dates of activity do not match XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Delete from report 6. How can the original creditor report a balance when it's been sold to a debt collector XXXX XXXX XXXX XXXX 
Account Number : XXXX Delete from 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 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: MN

Complaint narrative:
USBank informed me that they were charging late fees because I missed a payment, so I submitted documentation that the money was withdrawn from my account. I filed a CFPB complaint when I could not get them to allocate the payment and the response was to prove the check was cashed, so now I am re-opening a complaint and referencing XXXX with the documentation from my bank of the cashed check, and requesting ALL late fees charged be credited back to my account as this mortgage has been paid via auto-pay since it was opened. 

There were over {$600.00} in late fees I want to be credited to the account as well as the missing payment of {$950.00}. I am attaching both my bank statement and the cashed check documentation. As noted in the previous complaint, referenced above, this is NOT the first time USBank has kept the money and not credited the 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 explanation
Consumer complaint received 2024-06-11 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: OR

Complaint narrative:
These are not my accounts Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX These are not my accounts I do not owe any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete these accounts 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 2024-06-11 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: Regional Management Corporation
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX 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 XXXX5 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 2024-06-11 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

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 2024-06-11 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: CA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC
State: PA

Complaint narrative:
I just received an update on my credit score and went down and reason was an old balance that has had multiple months to update but failed to due so. So disappointing since paid down the whole balance. So fast to hurt my credit but very slow to update. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

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 explanation
Consumer complaint received 2024-06-11 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My identify was used at an apartment complex, once I saw the debt and collection show on my credit I called the apartment. They did nothing to help, provided no information for my use or temporarily fix my credit score. I have a police report filled with XXXX XXXX and am in contact with a detective in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-06-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account has violated my rights ; Validate Account JPMCB CARD XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : JPMCB CARD XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: AR

Complaint narrative:
Re : Inaccurate Reporting of Account Number : XXXX I am writing to formally dispute the inaccuracies in the reporting of my account with XXXX XXXX XXXX XXXX The details of my account as reported by the three major credit bureaus ( XXXX, Experian, and XXXX ) contain several errors that must be REMOVED immediately. 

Account Information : Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$19000.00} High Credit : {$15000.00} Payment Status : Late 120 Days ( XXXX and XXXX XXXX, Late 180 Days ( Experian ) Date Last Reported : XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX XXXX Disputed Inaccuracies : Failure to Conduct a Proper Investigation : As per the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( b ), XXXX XXXX XXXX is required to conduct a reasonable investigation upon receiving notice of a dispute. Despite my previous requests, there has been no evidence of a proper investigation into the inaccuracies on my account. 

Failure to Report Investigation Results : The FCRA also mandates that the furnisher of information must report the results of the investigation to the credit reporting agencies. XXXX XXXX XXXX has failed to do so, thereby violating FCRA Section 1681s-2 ( b ). 

Inaccurate Account Status : According to the Truth in Lending Act ( TILA ), accounts must be reported accurately. The account should have been reported as closed after 180 days of delinquency, not open. The account continues to be reported as open and delinquent every 30 days, which is inaccurate and misleading. 

Failure to Mark Disputed Account : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ), failing to mark a disputed account as disputed is a violation. This account is not properly marked as disputed across all three credit bureaus. 

Requested Action : I request an immediate and thorough investigation into the inaccuracies and violations mentioned above. Additionally, I demand the removal of this account from all three credit reporting agencies ( XXXX, Experian, and XXXX ) in accordance with FCRA Section 1681i ( a ) ( 1 ) ( A ).

Further Actions : If the inaccuracies are not corrected within the statutory 30-day period, I will be compelled to take the following actions : Involve my legal representation to address the violations. 
Submit a complaint to the XXXX XXXX XXXX  ( XXXX ). 
The current inaccuracies are severely damaging my credit profile and character. I expect your prompt attention to rectify these issues and a written response within the statutory 30-day period. 

Thank you for your immediate attention to 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 explanation
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief