vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
New complaint : THIS IS NOT A DUPLICATE Subject : Urgent Request to Correct Discrepancy in Credit Score To Whom It May Concern, I am writing to address a significant and concerning discrepancy in my credit score as reported by TransUnion. My TransUnion score is markedly lower than those reported by the other bureaus, despite identical information being provided to all agencies. This discrepancy appears to be a deliberate oversight, influenced by my race and gender. 

I have attached my scores for your review. The consistency in the information across all bureaus makes it clear that this lower score from TransUnion is unwarranted. I demand that you address this issue immediately by properly applying my CFPB and FTC complaints, ensuring that my rights as a consumer are protected. It is imperative that TransUnion stops relying solely on the inaccurate reporting by creditors and instead upholds its obligation to provide fair and accurate credit assessments. 

I expect my score to be corrected and raised without delay. 

Sincerely, 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have sent a dispute letter to Equifax on XX/XX/XXXX and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. 

Below is a detailed description of the particular errors in question : Under Personal Information, My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. 
My address is XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX Under Accounts, XXXX XXXX : XXXX, CFPB states that you must investigate inaccurate accounts, and this account is inaccurate. This item MUST be DELETED under the law. XXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX  : XXXX, It appears that this account has problems, and it needs to be addressed. Demand this item to be DELETED from my credit report ASAP. 
XXXX : XXXX, It looks like this account is not reporting the way it should be reporting because it's different on the other bureau reports. Request to correct the inaccurate information immediately by deleting it. 
XXXX XXXX : XXXX, Im demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY. XXXX  : XXXX, Please investigate this inaccurate and misleading account today. Please respond immediately, do your investigation, and remove the inaccurate account so that I do not need to pursue my legal rights under The Fair Credit Reporting ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Can not un freeze account, locked me out. tells me my social and zipcode is wrong. IT IS NOT. no answer phone, email, for 2 weeks.

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 2024-08-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : Formal Dispute of Delinquency on Credit Report Dear Sir/Madam , I am writing to formally dispute the delinquency reported on my credit report concerning my accounts with Chase Bank . The account details are as follows : Account Number : XXXX XXXX XXXX XXXX Date of Delinquency : Date Listed on Credit Report XX/XX/2024 Account Number : XXXX XXXX XXXX XXXX Date of Delinquency : [ Date Listed on Credit Report : XX/XX/2024 Reason for Dispute Upon reviewing my credit report, I was surprised that XXXX delinquencies had been reported without my knowledge. I was never notified of this delinquency nor allowed to address it before it was reported to the credit bureaus. As a responsible consumer, I take my financial obligations seriously and believe this delinquency was reported in error. 

Violations of Consumer Protection Laws This situation raises concerns regarding the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. Reporting this delinquency without notifying me violates the FCRAs requirement that accurate and complete information be reported to the credit bureaus. I request that you investigate this matter and remove the delinquency from my credit report. 

Fair Debt Collection Practices Act ( FDCPA ) : If this delinquency is related to any debt collection activity, I was not provided with the necessary verification of the debt, as required by the FDCPA. I request that any debt collection activities cease until this matter is thoroughly investigated and resolved. 

The Truth in Lending Act ( TILA ) requires clear, precise, and accurate disclosure of loan and credit terms. If this delinquency stems from a misunderstanding of my account 's terms, I was not properly informed, and I request that the delinquency be removed. 

Equal Credit Opportunity Act ( ECOA ) : I expect this issue to be handled fairly and without discrimination. If any decision on this delinquency was made based on inaccurate information, I request an explanation, as required under the ECOA. 

Fair Credit Billing Act ( FCBA ) : If this delinquency relates to a credit card account, I could not dispute any erroneous charges or billing errors before this adverse information was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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 contingency under15 USC 1681. 

Account name : XXXX Account # XXXX Has violated my rights.

15 U.S.C 1681 Section 602A 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 an account without my written instructions 5 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: MO

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 contingency under15 USC 1681. 

Account name : XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602A 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 an account without my written instructions 5 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 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 explanation
Consumer complaint received 2024-08-26 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: NJ

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. 
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 has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Credit reporting agencies punish consumers both directly and indirectly by lowering credit scores which will potentially impact rates on credit line and and thus the interest and rates consumers end up paying for being fiscally responsible by doing things like, paying off credit cards regularly, not undertaking unnecessary loans, or having enough credit cards. This is an unfair practice which should not be allowed.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Credit reporting agencies punish consumers both directly and indirectly by lowering credit scores which will potentially impact rates on credit line and and thus the interest and rates consumers end up paying for being fiscally responsible by doing things like, paying off credit cards regularly, not undertaking unnecessary loans, or having enough credit cards. This is an unfair practice which should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in 60 days to be removed.

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 payment 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.

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!

Delete the late payments from my consumer reports 8

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 2024-08-26 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:
These late payments are not consistent with my typical payment history.

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 2024-08-26 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: FMA Alliance, Ltd.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for XXXX XXXX and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Background : On XX/XX/year>, I requested the following information from XXXX XXXX and FMA Alliance , XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, XXXX XXXX, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from XXXX XXXX to FMA Alliance , LTD . 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for XXXX XXXX and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Background : On XX/XX/year>, I requested the following information from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, XXXX XXXX, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The amount owed is being charge at {$4000.00} when I reached out to the apartment manager they requested information to correct this mistake and to update the account. The amount was updated for about a week then it was returned to the old -incorrect amount. This feels like the company is doing some sort of scam. I do not owe {$4000.00} due to the XXXX reimbursement being applied. Any additional amounts owed is to be paid to another source NOT national credit systems. A representative directly from National Credit Systems replied and informed the manager/original creditor stating the account was fixed but its no longer reflected as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I requested my consumer report From EWS, LLC on their website and received the report. Noted several errors and information that had not reference point/legend for explanation. 
I sought information on their site for the placement of a Freeze, as my credit union ( XXXX XXXX ) had just finally verified personal and financial information was breached during the XX/XX/XXXX cyberattack/ransonware. 
I could not find the information I was looking for and upon calling the " XXXX '' number, I was informed that " ESW, LLC is not required to comply with Freeze requests ''. WHAT..?! 
How is this allowed? This absolutely unacceptable and therefore, I am demanding CFPB compel Early Warning Services , LLC AND their umbrella of companies be instructed to comply with ANY and ALL freeze requests.

Company response to consumer: Closed with explanation