vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: DE

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 XXXXXXXX XXXX : Account # XXXX # XXXX, U.S. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Department of EducationXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX : Account # XXXX # XXXX # XXXX XXXX U.S. Department of EducationXXXX XXXX Account # XXXX # XXXX # XXXX, XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account XXXX XXXX, XXXX XXXX : Account # XXXX, 15 USC 1681 Section 602 A States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: DE

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 XXXX XXXX XXXX. 

Bank XXXX XXXX : Account # XXXX # XXXX, U.S. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, U.S. Department of EducationXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of EducationXXXX : Account # XXXX # XXXX # XXXX XXXX U.S. Department of Education/XXXX XXXX Account # XXXX # XXXX # XXXX, XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX : Account XXXX XXXX, XXXX XXXX : Account # XXXX, 15 USC 1681 Section 602 A States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: LEXISNEXIS
State: GA

Complaint narrative:
RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record.

Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Date filed XXXX Reference XXXX Closing date XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX university in XXXX. I understood that this institution might not have the same resources as my previous, larger university, but I expected some level of support during a period of significant financial hardship. I became homeless, lost my job, and had to return to my hometown. Since then, I have actively sought employment while repeatedly reaching out to the university for emergency financial support. 

The university informed me that the only available financial assistance would come in the form of scholarships or financial aid, but these funds would not be disbursed until after a trial period for XXXX XXXX which meant the first disbursement could only be issued on XX/XX/XXXX. Furthermore, the university only issues these funds as checks, which has introduced further complications. 

Due to my current financial hardship, I am several months behind on critical bills, including my phone bill and storage fees. My storage unit is scheduled to undergo an audit on XX/XX/XXXX, which may lead to the sale or loss of my belongings if payment is not made in time. I received my financial aid check on XX/XX/XXXX and deposited it into my bank account with TD Bank. However, TD Bank has placed a six-business-day hold on the funds, meaning the money will not be available until after my storage units scheduled audit, placing my personal property at risk of being lost. 

This situation has put me in severe financial and emotional distress, and I am urgently seeking advice or support regarding options to expedite the release of these funds or to secure emergency financial relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
My accounts 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a 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. 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!

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 2024-11-14 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: OK

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against TransUnion for failing to maintain accurate and current personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite previous requests, my credit report continues to contain outdated or incorrect variations of my name and address, which have not been removed. I have provided my correct information, but TransUnion has retained inaccurate data without proper verification, which is a violation of the FCRAs accuracy requirements. 

My Correct Information : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations of the FCRA : Failure to Maintain Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit reporting agencies are required to maintain accurate and verifiable information on consumers ' reports. TransUnion has failed to remove outdated names and addresses despite having my verified current information. 

Inclusion of Unauthorized Information TransUnions continued reporting of old names and addresses without my authorization infringes on my right to accurate reporting. The presence of these entries also affects my creditworthiness and is a violation of the FCRA.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against TransUnion for failing to maintain accurate and current personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite previous requests, my credit report continues to contain outdated or incorrect variations of my name and address, which have not been removed. I have provided my correct information, but TransUnion has retained inaccurate data without proper verification, which is a violation of the FCRAs accuracy requirements. 

My Correct Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA : Failure to Maintain Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit reporting agencies are required to maintain accurate and verifiable information on consumers ' reports. TransUnion has failed to remove outdated names and addresses despite having my verified current information.

Inclusion of Unauthorized Information TransUnions continued reporting of old names and addresses without my authorization infringes on my right to accurate reporting. The presence of these entries also affects my creditworthiness and is a violation of the FCRA.

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 2024-11-15 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: CT

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit reports provided by the credit reporting agencies, including XXXX, XXXX, and TransUnion. These inaccuracies include discrepancies in the " Date Opened '' for certain accounts and inconsistent or incorrect balances across the credit bureaus. Such errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act, both of which require credit reporting agencies to ensure that all information they report is accurate, complete, and consistent. 

Specifically, the following accounts show either inaccurate " Date Opened '' information, incorrect balance reporting, or both : XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXXhe DATE OPEN is INCONSISTENT AND INACCURATEXXXX XXXXThe HIGH CREDIT is INCONSISTENT AND INACCURATEXXXX XXXXThe CREDIT LIMIT is INCONSISTENT AND INACCURATE XXXX  REMOVE THE ACCOUNT IMMEDIATELY DUE TO THE VIOLATIONS OF MY RIGHTS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe DATE OPEN is INCONSISTENT AND INACCURATE XXXX REMOVE THIS ACCOUNT FROM MY REPORT DUE TO THE VIOLATION OF MY RIGHTS - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe DATE OPEN is INCONSISTENT AND INACCURATE **** REMOVE THIS ACCOUNT FROM MY REPORT FOR VIOLATION OF MY RIGHTS These discrepancies have created an inaccurate and misleading view of my credit history, which directly impacts my ability to access fair credit. Under the FCRA, specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting different dates and balances across credit bureaus fails to meet this standard and unfairly impacts my credit profile and score.

The inconsistent balance amounts and differing " Date Opened '' details across the bureaus may mislead lenders assessing my creditworthiness. To resolve these issues, I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies comply with the FCRA requirements or REMOVE these accounts immediately. Additionally, I am requesting that any unverifiable or inaccurate information be corrected or removed from my reports. 

Attached are copies of my credit reports, with the specific items in question highlighted for your review, along with any additional documentation to support my dispute. 

Thank you for your attention to this matter. I respectfully request that corrective measures be taken promptly and that I receive written confirmation of any updates made to my reports. If you require further information, please feel free to contact me at via email at 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 2024-11-14 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. 

Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Hello inside you will find my dispute detailing my concerns regarding the company and the violations of both FCRA, FDCP, and CFPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage payments have been automatically withdrawn for 20 years. Summer of XXXX my bank XXXX XXXX XXXX  ) was bought out by XXXX XXXX. For the next year, Shellpoint continued to get my automatic payment from XXXX XXXX  for the next year until XXXX when they tried to take my payment from XXXX XXXX  ( which had now been closed for a year ). When I received the NSF notice I called Shellpoint and gave the payment over the phone on XX/XX/XXXX. They are saying that payment was also NSF. I sent in documentation via fax and their website from my bank proving the payment was made. Since XXXX I have called, emailed, and filled out multiple complaint forms trying to rectify this issue. I received several letter stating they were working on it. Today ( XX/XX/XXXX ) I received an email stating my payment on XX/XX/XXXX was NSF and documentation would be attached to the email. No documentation was attached to the email, no reason was given for the determination, and I have yet to speak to a customer service representative that can fix this issue. In the meantime, my credit score has been severely affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I engaged with a company called " XXXX XXXX  '' which guarantees artists that they will not use BOTS to generate fake streams. This is a signed contract and XXXX also has said they will remove any artists from the platform immediately if they discover bot activity. When I went into my account on XXXX for Artists, it was clear there were huge spikes that fell to XXXX, and other classic signs that XXXX XXXX used bots. I tried to contact the merchant who would not refund the money, and I submitted a dispute to Amex. Amex now uses AI to handle credit card disputes, so the first time they closed down the case without reviewing. They only sent me a general PDF the company sent, which is a sales pitch on how the company works and never linked my account. The second time I re-submitted upwards of 17 pages, showing my account specifically which has clear bot activity, and upwards of several trusted music and tech periodicals which show patterns of bot activity and outline bot activity. I also included XXXX 's policy which says they will kick artists off the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NJ

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 non-monetary relief