vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
Re : Dispute of XXXX XXXX  Account XXXX. XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX XXXX  account listed on my credit report. This account was in an active forbearance agreement, and as such, late payments should not have been reported during the forbearance period. 

Under the CARES Act and related consumer protection laws, creditors and lenders are required to report accounts in forbearance as current if the borrower was current at the time the forbearance was initiated. Since my account was placed in forbearance during this time, any late payment notation is inaccurate and in violation of federal guidelines. 

The late payment notation on my credit report is misleading and is causing unnecessary harm to my credit profile. I am requesting that this inaccurate remark be promptly investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough reinvestigation of disputed information, per Section 1681i ( a ). I am asking that you verify the reporting accuracy of this account with XXXX XXXX  and ensure compliance with all relevant laws. 

To assist with your investigation, I have attached copies of the following : 1. The forbearance agreement from XXXX XXXX  ( if available ). 
2. A copy of my most recent credit report highlighting the disputed late payment. 

Please provide written confirmation of the results of your investigation within 30 days of receipt of this letter. If this late payment is not removed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. 

Thank you for your prompt attention to this matter. You may contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if youd like to customize this further.

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 2025-01-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 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: 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past si
x months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
The debt is not mines and I don't have knowledge of this account. The account maybe a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: FL

Complaint narrative:
A person named XXXX XXXX stole a check from my property made payable to a XXXX vendor called XXXX XXXX XXXX XXXX took the check and wrote his name after the words XXXX XXXX and deposited the check. My bank approved the check and XXXX XXXXXXXX XXXX bank approved it as well. XXXX XXXX proceeded to mobile deposit fake checks that were scanned copies with my account information and both my bank and his receiving banks cleared these checks, totaling $ XXXX of stolen funds. A police report was filed with detective XXXX XXXX in XXXX, XXXX XXXX XXXX was arrested and charged, and is currently incarcerated for the crimes. My bank only refunded me {$7000.00}. My bank was negligent in drawing money against my account in numerous ways. My bank was slow to offer protection and solutions, nor did they offer to. I had to initiate and push them to help me. My bank never detected the fraud or provided simple security measures against my account like my other bank accounts offer without me even needing to ask. My bank was slow to freeze my account, made mistakes in filing the affidavits, and was slow to assist me with opening a new checking account. The first check that initiated the fraudulent acts against my account commenced in mid XX/XX/XXXX. I contacted my bank a couple of weeks ago in mid XX/XX/XXXX requesting a response to the investigation and resolution that was far past the 90 days time frame for my bank to respond. My only response from my bank was that they never heard back from the banks that he deposited the fake checks with, which are XXXX XXXX  and XXXX XXXX. I have followed up relentlessly with my only point of contact that the bank provides me with, which is XXXX XXXX, the assistant manager at the XXXX XXXX XXXX branch of XXXX of XXXX. I have perpetually followed up via email about answers, resolutions, and investigations, only to usually be ignored or to never have any concrete response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a small story I'd like to share.For context my Fiance and I don't make al ot of money and we are expecting a XXXX soon. We were looking for new places to move ( we have a one bedroom now and 3 pets currently ) and are searching for a bigger place. We have found a place on XXXX XXXX and thought it was good for the price, We went to go see it last Saturday on XXXX and we were eager once we got in the place. 
The " property manager '' goes by XXXX XXXX, I'm aware can be a fake name, let us in the house as it had a smartlock using a code they retrieve form the actual property management website and resets every hour ( You can request a virtual tour anytime, like wth? ) We were sent a lease agreement after making a payment to this fraudster to his " attorney '' which is named " XXXX XXXX '' also probably fake, to their Chime " XXXX XXXXXXXX '' XXXX We never met XXXX at all. 
Chime Support could do anything nor dispute the transfer. They said due to their policy nor provide me additional info to the account the money was transferred to due to security reasons. I've requested the funds back and I was blocked. Then the Scammer rejects all my calls and texts yesterday, but texts me this morning " Hello, How are you doing today? '' What a sick joke. 
That was the mistake, sending a deposit before looking at a leasing agreement and we sent an application fee. The Phone number and email associated ot the scammer are XXXX and XXXX. I just want have justice for us as it'll take us weeks to recuperate that amount, we were planning on having a baby shower but now can not afford that, or our bills, and just have to focus on what is left to feed ourselves and stay afloat with the baby appointments. 

Here is the link to the XXXX account XXXX XXXX XXXX XXXX XXXX XXXX help is much appreciated, I've reported the XXXX XXXX listing and account as well. Any help is much appreciated. We would be forever grateful to even recover some of the funds, maybe locate them. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
This complaint is being filed in regards to the many violations being reported on my report. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof under the alleged debt, therefore any such debt, in fact exists. Therefore I demand those accounts to be removed 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 2025-01-03 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: FL

Complaint narrative:
This complaint is being filed in regards to the many violations being reported on my report. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof under the alleged debt, therefore any such debt, in fact exists. Therefore I demand those accounts to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I purchased a set of used golf clubs from XXXX XXXX. They arrived and were in such bad shape that they were not useable. XXXX XXXX refused to give me a refund. I contacted Discover Credit card and opened a dispute. They sent me a letter stating that the dispute was settled in my favor. When I recieved my next statement the dispute was reversed. I phoned Discover and they told me that the merchant provided them with documentation that I never returned the golf clubs. I explained that that was not true and sent Discover the email confirming that XXXX XXXX issued me a partial credit for the returned items. After several phone calls and being told that I never returned the golf clubs Discover refuses to help me with a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency Experian is in several violations of the FCRA and XXXX XXXX COMPLIANCE for not conducting a proper investigation and REMOVING an account on my consumer report furnished by the company XXXX XXXX I disputed over mail 4 times with no solution. The consumer reporting agency never furnished a notice of dispute within 30 days of the disputed account referenced which is a violation of FCRA 623 ( A ) that states it is a requirement for them to do so. I have included a current photo copy of the account they did not furnish a notice of dispute within 30 days, as well as no bank statements shown by the creditor XXXX XXXX that furnished over XXXX late transactions on a closed account. Experian needs to remove the following account from my credit report immediately or I will be in pursuit of litigation on behalf of these inaccuracies. It has been over 120 days since my first initial dispute which Ive included all my notices sent to them in the attachments 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 explanation
Consumer complaint received 2025-01-03 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: IN

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the deletion of any accounts or inquiries that have resulted from this breach. 
Below are the details of the accounts and inquiries that I am requesting to be blocked and deleted : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$220.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$6100.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief