vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I received a letter from TransUnion confirming that the XXXX  XXXX XXXX account ( partial # XXXX ) had been deleted from my credit report after my dispute. However, when I recently updated and reviewed my credit report, I discovered that this same account was reinserted without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), if a previously deleted item is reinserted into a consumers report, the credit bureau is required to notify the consumer within five business days of reinsertion. This notification must include the name, address, and phone number of the entity that provided the information. In this case, no such notification was provided to me, which is a clear violation of the FCRA.

Furthermore, this unauthorized reinsertion raises concerns about the accuracy of my credit report under 15 USC 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. By allowing the reinserted account to appear again after its deletion, TransUnion failed to meet its legal obligations to maintain an accurate report and prevent consumer harm. Additionally, TransUnion has also disregarded my rights under 15 USC 1681i ( a ) ( 1 ) ( A ), which grants consumers the right to dispute inaccurate or unverifiable information. Once an account has been deleted following a dispute, the burden of proof lies with the furnisher or bureau to verify its legitimacy before reinsertion. In this case, no verification or explanation has been provided. This violation has caused unnecessary distress, confusion, and potential harm to my financial reputation. I am requesting immediate removal of the reinserted XXXX  XXXX XXXX account, a full investigation into why it was reinserted without proper procedures, and confirmation that the credit reporting agencies are adhering to FCRA requirements to prevent further harm.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Pa XXXX XXXX XXXX XXXX **Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX **Subject XXXX Complaint Against XXXX, Trans union XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX. XXXX XXXX : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX. **Nature of Complaint : ** I am filing a complaint against Trans Union XXXX and XXXX Company for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports. 

XXXX. **Description of the Issue : ** I have identified an account on my credit report XXXX XXXX that I believe to be inaccurate. XXXX Trans Union and XXXX is reporting this inaccurate information and failed to send verification. I believe this to be inaccurate information on this credit card reporting {$1300.00} opened on XXXX also stating this account is open. 
I have disputed this information directly with the credit bureaus, XXXX, XXXX, TransUnion XXXX but the inaccuracies remain unresolved. I sent letters through the mail which will be provided. 
- Under 15 U.S. Code 1681i, I have the right to have inaccurate information corrected or removed, and the failure of the three bureaus to address this dispute properly is in violation of my rights. 

XXXX. **Desired Resolution : ** - I request that the CFPB investigate this matter and take appropriate action against Trans Union XXXX and XXXX Company for failing to comply with the FCRA. 
- I also request that the inaccurate information be corrected or removed from my credit report. 

XXXX. **Attachments : ** Will be attached to this complaint Thank you for your attention to this matter. I look forward to your prompt action regarding my complaint. 

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 2024-12-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX Pa XXXX XXXX XXXX XXXX **Consumer Financial XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX **Subject XXXX Complaint Against Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX. XXXX XXXX : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX. **Nature of Complaint : ** I am filing a complaint against XXXX XXXX XXXX and Experian XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports.

4. **Description of the Issue : ** I have identified an account on my credit report XXXX Funding that I believe to be inaccurate. Experian XXXX XXXX and XXXX is reporting this inaccurate information and failed to send verification. I believe this to be inaccurate information on this credit card reporting {$1300.00} opened on XXXX also stating this account is open. 
I have disputed this information directly with the credit bureaus, Experian, XXXX, XXXX XXXX but the inaccuracies remain unresolved. I sent letters through the mail which will be provided. 
- Under 15 U.S. Code 1681i, I have the right to have inaccurate information corrected or removed, and the failure of the three bureaus to address this dispute properly is in violation of my rights. 

5. **Desired Resolution : ** - I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX Experian and XXXX Company for failing to comply with the FCRA.

- I also request that the inaccurate information be corrected or removed from my credit report.

6. **Attachments : ** Will be attached to this complaint Thank you for your attention to this matter. I look forward to your prompt action regarding my complaint. 

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 2024-12-17 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: WV

Complaint narrative:
Please remove these unauthorized inquiries on my credit report. I will attach my FTC report with the folling

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 2024-12-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with Experian Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I never gave anyone permission to access my credit report to put hard inquiries or collections on it.. I never gave anyone permission to run my credit either I need all things mentioned in my identity report to be removed immediately all inquiries and collections from TransUnion 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: GA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I submitted an XXXX XXXX XXXX XXXX XXXX XXXX  ) that was processed on XX/XX/XXXX, according to my email records. Within that email, it was stated that at latest, the XXXX application would be completely processed within four weeks. 

It is now XX/XX/XXXX and its obvious that Mohela, my student loan service provider and who oversees my loans through the Department of Education, has failed to process my XXXX application as my most recent W2 verifies my income. Unfortunately, a XXXX XXXX  monthly loan payment does not accurately reflect the information I submitted with my most recent tax return. 

I want this to be rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize the account or inquiries below and request your prompt assistance in addressing this matter. 
Fraudulent Account : XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$10000.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXX OF XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dated : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize the account or inquiries below and request your prompt assistance in addressing this matter. 
Fraudulent Account : XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$10000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dated : XX/XX/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 2024-12-17 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: TX

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 XXXXXXXX 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 2024-12-17 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by TransUnion. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX High Balance : {$1300.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Reports a 30-day late payment for XX/XX/XXXX, which is inaccurate. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
When I attempted to pay off my credit card balance to avoid accruing interest, the payments went straight to the flex pay balance. So now my credit card bill is at {$7700.00} and my flex balance is at {$6300.00}. When I attempt to pay my balance that is not including flex pay, the " Adjusted balance + flex payment '' is XXXX. And if I tried to pay the balance, it would just go straight to the flex balance.

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