vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CA

Complaint narrative:
My US Bank Credit Card APR interest went from 25.49 % to 31.79 % after being a few days late with my monthly payment. I paid the payment during the month it was due. I am now being penalized 6 months until XX/XX/XXXX [ beginning XX/XX/XXXX ] at 31.79 % because of XXXX late payment that was only a few days late. I called US Bank on XX/XX/XXXX after reviewing my statement to learn of the increase in the APR to discuss the matter, and that is where I learned that I am being penalized for 6 months for one late payment. On a side note, since the interest rates in the United States have dropped, all my other credit cards have lowered my APR. I believe penalizing me for XXXX  months is inappropriate. Another note : my current balance is only a bit over $ XXXX, and I have already paid {$2400.00} in interest YTD.

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 2024-11-17 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: GA

Complaint narrative:
In response to my previous complaint number XXXX. 
Demand for Deletion of Inaccurate XXXX Account Reporting TransUnion Noncompliance To Whom It May Concern, I am filing this complaint against TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the XXXX account ending in XXXX. Despite disputing this account and providing clear evidence of inaccuracies, TransUnion responded that the account was verified as reported with the furnisher. However, TransUnion has failed to provide any documentation supporting this claim and has continued to report inaccurate and unverifiable information, in violation of federal law. 

Account Details : Account Name : XXXX Account Number : Ending in XXXX Status : Charged off as bad debt Balance : {$32000.00} FCRA Violations by TransUnion : 1. Failure to Provide Supporting Documentation ( 15 U.S.C. 1681i ( a ) ) : TransUnion claims the account was verified with the furnisher but failed to provide any supporting evidence or documentation. Verification under the FCRA requires providing tangible proof, which TransUnion has not done. 
2. Reporting of Inaccurate and Incomplete Information ( 15 U.S.C. 1681e ( b ) ) : The account lacks a payment history, making the charged-off status unverifiable. 
The balance of {$32000.00} contradicts the original balance of {$34000.00} without explanation. 
These inconsistencies demonstrate that TransUnion has not ensured maximum possible accuracy in reporting. 
3. Reinsertion Without Proper Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : If this account was reinserted after a prior deletion or dispute, TransUnion has failed to provide the required notification to me within five business days of reinsertion.

4. Failure to Remove Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Because TransUnion could not verify the disputed information with sufficient evidence, they are obligated to delete the account entirely. Retaining unverifiable information is a clear violation of the FCRA. 

Harm Caused : The inaccurate and unverifiable reporting of this account has significantly harmed my creditworthiness, leading to denials of credit, financial hardship, and emotional distress. 
Attachments : Copy of my dispute letter to TransUnion TransUnions response claiming verification with the furnisher Screenshots of the inaccurate reporting details I request the CFPB to hold TransUnion accountable for their noncompliance with the FCRA and ensure that this inaccurate account is deleted from my credit report. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-11-18 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:
I am writing to formally dispute several inaccuracies on my credit report. Below are the details of the disputed accounts : XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$3600.00} This account violates 15 U.S.C . 1681i ( 7 ). It was reported without valid evidence of its accuracy. Please provide a method of verification or remove it immediately. As a victim of identity theft, I have included my police report for reference. 
XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I have not received any valid documentation, including a statement or loan agreement, from this company. This account is fraudulent. Please remove it. 
XXXX Account Number : XXXX XXXX : {$23000.00} No valid documentation has been provided for this account. It is not mine, and I have included a police report. Please remove it immediately. 
XXXX XXXX XXXX  Account Number : XXXX Balance : {$1100.00} Under Section 623, this account is inaccurately reported, as the creditor did not provide a valid address for verification. Please investigate and remove it as it does not belong to me. 
XXXX XXXX Account Number : XXXX Credit Limit : {$600.00} The payments for XXXX XXXX to XXXX XXXX  were always made on time. Under 15 U.S.C. 1666B, this account is a billing error. Please update the status to PAID AS AGREED/NEVER LATE. 
I have included the following documents to support my dispute : 1.

Police Report 2.

FTC Identity Theft Report 3.

ID 4.

SSN 5.

Proof of Address Any additional documentation Please investigate these matters and respond to me in writing within 30 days. 
Thank you for your prompt attention to these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: MS

Complaint narrative:
TRANSUNION has failed to perform their Fiduciary duties according to law. My Trust has given notice of the violations and TRANSUNION continues to be noncompliant. 


I am writing to dispute and request the immediate deletion of unauthorized and inaccurate information appearing on my consumer report maintained by your agency. This dispute is based on the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 USC 1681a ( 2 ) - Exclusion of transactions between consumer and creditor.

2. 15 USC 1681b - Permissible purpose law.

3. 15 USC 1681e ( b ) - Duty to ensure accuracy and completeness.

I. Unauthorized Information Pursuant to 15 USC 1681a ( 2 ), all transactions between me and the creditor are excluded from my credit report. However, my review reveals unauthorized information still present. I request immediate removal, as it violates federal law.

II. Inaccurate Information Furthermore, I've identified inaccurate information. In accordance with 15 USC 1681b, I request documentation supporting accuracy. Specifically, I demand : 1. A signed affidavit under penalties of perjury attesting 100 % accuracy ( 15 USC 1681e ( b ) ).

2. Proof of written consent from me authorizing information collection and disclosure.

3. A completed Form SSA-89 with a wet signature.

III. Initial Investigation I take issue with your agency 's failure to contact me during the initial investigation to validate disputed information. This oversight violates 15 USC 1681i ( a ) ( 1 ), requiring reasonable reinvestigation and direct consumer verification.

IV. Legal Precedent Recent case law supports my dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Credit reporting agencies must ensure accuracy ( XXXX XXXX XXXX ). 
- XXXX v. TransUnion, XXXX ( XXXX ) : Consumer consent required for information collection ( XXXX XXXX XXXX ). 
- XXXX v. XXXX XXXX XXXX, XXXX ( XXXX ) : Agencies must conduct reasonable reinvestigations ( XXXX XXXX XXXX ). 

Additional resources : - Federal Trade Commission ( FTC ) : Disputing Errors on Credit Reports - Consumer Financial Protection Bureau ( CFPB ) : Disputing Errors on Your Credit Report - Fair Credit Reporting Act ( FCRA ) : 15 USC 1681-1681x.

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 2024-11-17 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: FL

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must comply with the FCRA 's XXXX purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was going to use services from a merchant on XX/XX/year> that makes a purchase on my behalf and allows me to make installment payments on the purchase. I didn't end up using this merchant but they still charged me the first installment payment of {$88.00} in error. I contacted the merchant and explained to them that I never used their services and that I was charged an installment payment in error. The merchant refunded me on XX/XX/XXXX minus XXXX dollars for service fees. The total amount of my refund was {$84.00}. For some reason that I can not explain, the original charge of {$88.00} disappeared from my checking account but the refund of {$84.00} is there. My bank, Chase, noticed that there is not a charge from the merchant that relates to this refund and Chase reversed the refund and gave my {$84.00} back to the merchant on XX/XX/XXXX. Now I have {$84.00} missing out of my checking account. Keep in mind, I never received any services from the merchant which is why I was refunded by them in the first place. I filed a claim with Chase and uploaded emails and payment agreements with amounts and dates that correlate to the original charge and to the refund from the merchant that proves that I was entitled to the refund. Chase concluded that my proof wasn't good enough and that my checking account doesn't show an original charge that relates to the refund. Chase 's stance on this issues is that I have to prove why the original charge fell off my checking account but the refund stayed on my checking account. Not only did I show proof of all payments and refunds between myself and the merchant, but I explained to Chase that I am the customer, I have no idea why their system not perfect and doesn't show the original charge. It's not my responsibility to explain why a charge fell off my account. I had no control over how that refund was handled. After dealing with several customer service representatives and even dealing with a claims supervisor, I was told by Chase that I failed to prove why the charge fell off from my account and that the merchant is entitled to the {$84.00}. I was told that the claim will be closed and now there is nothing I can do about it. I now have to deal with {$84.00} missing out of my account because of a faulty system that Chase is using and I have been held responsible for their mistake. Chase has failed me and I am left feeling cheated by bank that does dirty business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had unauthorized hard inquiries on my report. Please remove these hard inquiries from my credit report, they are hurting my ability to obtain credit. 

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 explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX BANK XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've contacted Equifax several times about and ongoing problem with Equifax reporting all of my accounts XXXX of my accounts haven't been properly reported. I've bought this situation to Equifax several times and they won't comply with the information that I've sent in and submitted to the website. The conversation that I had with several of the rep I explained that it was unauthorized dispute without my permission and in result of that XXXX of XXXX XXXX account was deleted from my credit file only on Equifax. A XXXX XXXX Credit Card and XXXX accounts that aren't reporting on my Equifax credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital has been made aware that they are reporting wrong information on my credit report. They are reporting as account an open and past due. As well as balance updated on XX/XX/year>. This is an infraction with the Fair Credit Act. This needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
The company has reported the amount of {$90.00} was written off but I did not receive a form 1099-c from the company. It is still a negative remark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are a result of identity theft. I have recently discovered that my personal information has been compromised, leading to unauthorized accounts and transactions being opened in my name without my consent.

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 2024-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had unauthorized hard inquiries on my report. Please remove these hard inquiries from my credit report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: FL

Complaint narrative:
Subject : Late Payment / ReposessionNotification and Assertion of Consumer Rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute late payment entries and repossession currently reporting on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ).

According to my credit report, there is a late payment entries listed for accounts XXXX  XXXX XXXX with late payment entries and repossession entry for XXXX XXXX XXXX However, I would like to bring to your attention that these late payments and repossession are inaccurate and unjustified. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate these late payment entries with repossession and provide me with the following information : 1. Verification of the accuracy of the late payment entries with repossession including proof of the alleged late payment and current repossession. 2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments and repossession. 
I expect a thorough investigation into this matter and request that you provide me with a written response as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA. 

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response. 
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