vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against TransUnion for conducting sham investigations, failing to comply with the Fair Credit Reporting Act ( FCRA ), and taking retaliatory actions against me for disputing the accuracy of the information on my credit report. I have attached copies of my disputes, which were sent to TransUnion on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX In each of these disputes, I requested verification of the information on my credit report, as required by Section 609 ( a ) ( 1 ) ( A ) of the FCRA. However, TransUnion failed to provide me with the requested documentation and instead conducted sham investigations that failed to verify the accuracy of the information. Additionally, I disputed personal information on my credit report on XX/XX/XXXX, and XX/XX/XXXX. TransUnion failed to investigate and correct these errors. Furthermore, I have discovered that TransUnion has been taking retaliatory actions against me for disputing the accuracy of the information on my credit report. Specifically, TransUnion has been changing the dates of delinquencies to make them appear more recent, and adding additional delinquencies to my credit report as a form of punishment for disputing. This is a clear violation of the FCRA and my rights as a consumer. I would like to note that XXXX has recently taken corrective actions on my credit report, removing a delinquent XXXX  ( credit card ) account and reposting positive payment history for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This suggests that the information on my credit report was indeed inaccurate, and that TransUnion 's failure to investigate and correct these errors was unjustified. TransUnion 's actions are a clear violation of the FCRA and my rights 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 non-monetary relief
Consumer complaint received 2025-02-14 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: LA

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX - {$450.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$580.00} XXXX XXXX XXXX XXXX - {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Credit Karma, LLC
State: WI

Complaint narrative:
I received an email from " XXXX XXXX '' ( XXXX ) on XX/XX/XXXX which stated that, " We're reaching out to confirm the outcome of your loan request ( XXXX ) submitted through a financial services website, such as XXXX or XXXX Credit Karma. '' I XXXX 'd their number, called, and gave the reference number that was in the email body. The man on the phone said that they were getting a lot of calls, because their legal department sent out a batch of letters and emails letting people know that they were denied a loan. He assured me that it was not fraud, and that I had not applied for the loan, but that it was a preapproval offer through Credit Karma, and that they were having to inform everyone that they were denied a loan that they didn't apply for. (? ) The email also states that the date of my " application '' was XX/XX/XXXX, over six months ago. 
I'm not sure if this is allowed, or if it was just a letter going out that they should've sent previously for something they are ( somehow ) legally allowed to do. 
I'm not sure if Credit Karma is at fault or XXXX XXXX, or maybe both. 
( PDF of email has been uploaded. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : The Home Depot Credit Card, {$360.00}. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Today ( XX/XX/year> ), I received a letter from Bank of America stating that they intend to charge off my account over a balance related to a faulty medical procedure. This charge was legally disputed, and I successfully obtained a refund through a XXXXXXXX XXXX XXXX XXXX which was delivered to me on XX/XX/year>. However, the refund was issued as a check instead of being applied directly to my credit card balance. 

Since the charge was ultimately refunded, the balance should no longer be considered valid for charge-off. I have provided proof of my refund, yet Bank of America is still proceeding with the charge-off, which is both unfair and inaccurate. 

I request that Bank of America remove the charge-off threat and update my account accordingly. Additionally, when I inquired about postponing the charge-off, I was informed by an agent that it would cost {$35.00} to delay it by one month. I find it unreasonable that I must pay to prevent an unjust charge-off, given that this balance was already refunded through legal action. 

I am requesting an official resolution to prevent this wrongful charge-off from impacting my credit. 

Regardless of whether I used the refund check to pay Bank of America directly, the balance itself was unfair and should not have existed. I legally disputed the charge and was refunded, proving that I should not have been held responsible for it. Therefore, the charge-off should not occur, as it would be inaccurate and unjust to penalize me for a disputed charge that was ultimately refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
Ive noticed that your company has inquiries on my credit report that I never gave permission for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-02-14 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was contacted by the XXXX XXXX XXXX this morning to inform me that they are closing all my consumer accounts with them. I have numerous accounts, including business accounts and XXXX XXXX. They would not tell me why or provide any details. I have been doing business with XXXX for over 35 years, conducting XXXX of thousands of transactions. A number of those CCs have accumulated a large number of points ; including a XXXX XXXX XXXX with XXXX miles ; XXXX XXXX with XXXX points, and XXXX Airlines XXXX XXXX over XXXX points. I banked these points to utilize when I was going to retire, and with the closure of all these accounts, it would mean me losing all these points, which would cause irreparable harm to me and my family. 

I was never contacted by a XXXX member to discuss any concern they XXXX have with any of my accounts. I only received the call this morning informing me that they are closing all my accounts, without providing any recourse or ability to take any action to remedy the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
Violations of 15 USC 1681e ( b ) - Failure to Assure maximum possible accuracy Violations of 15USC 1681i ( a ) - Failure to conduct a lawful Reinvestigation Violation of 15 USC 1666 ( Fair Credit Billing Act ) - Failure to correct billing errors Violations 15 USC 1692e ( 8 ) ( FDCPA ) - Communication of false credit information Binding legal Precedents Requiring deletion of inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : if a CRA can not verify the accuracy of a disputed item, it must be deleted. 
XXXX v. XXXX XXXX XXXX, XXXX F XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must verify the source of the disputed information or remove it. 
XXXX v. TransUnion, XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Any inaccuracy can serve as the basis for legal liability against a CRA. 
Pursuant to 15 USC 1681il ( a ) ( 5 ) ( A ), I hereby demand the immediate deletion of the disputed of the disputed bankruptcy entries from all credit reports maintained by Experian, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
Violations of 15 USC 1681e ( b ) - Failure to Assure maximum possible accuracy Violations of 15USC 1681i ( a ) - Failure to conduct a lawful Reinvestigation Violation of 15 USC 1666 ( Fair Credit Billing Act ) - Failure to correct billing errors Violations 15 USC 1692e ( 8 ) ( FDCPA ) - Communication of false credit information Binding legal Precedents Requiring deletion of inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : if a CRA can not verify the accuracy of a disputed item, it must be deleted. 
XXXX v. XXXX XXXX XXXX, XXXX F XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must verify the source of the disputed information or remove it. 
XXXX v. TransUnion, XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Any inaccuracy can serve as the basis for legal liability against a CRA. 
Pursuant to 15 USC 1681il ( a ) ( 5 ) ( A ), I hereby demand the immediate deletion of the disputed of the disputed bankruptcy entries from all credit reports maintained by Experian, XXXX, and 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 2025-02-14 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: LA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation