vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: KS

Complaint narrative:
In XX/XX/year> I filed a XXXX XXXX XXXX  At the time, I had a cash advance balanace of {$120.00} which I was wiling to pay. I had been contacted by Chimes corporate counsel XXXX XXXX XXXX advising in order to comply with the XXXX XXXX ( because they were attempting to collect on this bankrupt debt during the bankruptcy proceedings ) that they were forgiving the debt. 

I made several attempts to contact XXXX XXXX to verify if they were going to delete the credit bureau reporting since the debt had been forgiven per his email. XXXX XXXX did not respond. 

After the bankruptcy was closed in XX/XX/year> XXXX started to report this debt for which they had forgiven as a bad debt on my credit bureau. 

This is deceptive in the worst possible way. They represented in writting a contract that they forgave a debt then misrepresented to the credit bureaus that it was a bad debt in order to attempt to both slander my name and attempt to collect on a debt for which they contractually forgave. 

They are illegally furnishishing misinformation to the credit bureaus which is resulting in a significant drop in my XXXX XXXX and an inabilility to obtain credit.

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 2024-12-26 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: KS

Complaint narrative:
In XXXX XXXX I filed a XXXX XXXX XXXX. At the time, I had a cash advance balanace of {$120.00} which I was wiling to pay. I had been contacted by Chimes corporate counsel XXXX XXXX XXXX advising in order to comply with the XXXX XXXXXXXX ( because they were attempting to collect on this bankrupt debt during the bankruptcy proceedings ) that they were forgiving the debt. 

I made several attempts to contact XXXX XXXX to verify if they were going to delete the credit bureau reporting since the debt had been forgiven per his email. XXXX XXXX did not respond. 

After the bankruptcy was closed in XXXX XXXX  XXXX started to report this debt for which they had forgiven as a bad debt on my credit bureau. 

This is deceptive in the worst possible way. They represented in writting a contract that they forgave a debt then misrepresented to the credit bureaus that it was a bad debt in order to attempt to both slander my name and attempt to collect on a debt for which they contractually forgave. 

They are illegally furnishishing misinformation to the credit bureaus which is resulting in a significant drop in my credit score and an inabilility to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: KS

Complaint narrative:
In XX/XX/scrub>XXXX XXXX I filed a XXXX XXXX XXXX. At the time, I had a cash advance balanace of {$120.00} which I was wiling to pay. I had been contacted by Chimes corporate counsel XXXX XXXX XXXX advising in order to comply with the XXXX  XXXX ( because they were attempting to collect on this bankrupt debt during the bankruptcy proceedings ) that they were forgiving the debt. 

I made several attempts to contact XXXX XXXX to verify if they were going to delete the credit bureau reporting since the debt had been forgiven per his email. XXXX XXXX did not respond. 

After the bankruptcy was closed in XXXX XXXX XXXX started to report this debt for which they had forgiven as a bad debt on my credit bureau. 

This is deceptive in the worst possible way. They represented in writting a contract that they forgave a debt then misrepresented to the credit bureaus that it was a bad debt in order to attempt to both slander my name and attempt to collect on a debt for which they contractually forgave. 

They are illegally furnishishing misinformation to the credit bureaus which is resulting in a significant drop in my XXXX XXXX and an inabilility to obtain credit.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate and invalid items listed on my credit report, as provided under the Fair Credit Reporting Act ( 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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-12-26 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: FL

Complaint narrative:
" The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries. ''

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 2024-12-26 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: FL

Complaint narrative:
" The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries. ''

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 2024-12-26 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:
XX/XX/year>XXXX XXXX XXXX  Is incorrectly Reporting a {$200.00} debt on my credit report that I do not owe them. I will not acknowledge any collection agency and will only deal with Original Creditor. If there was a debt owed it was paid to the original creditor.

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 2024-12-26 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: TX

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX Is incorrectly Reporting a {$200.00} debt on my credit report that I do not owe them. I will not acknowledge any collection agency and will only deal with Original Creditor. If there was a debt owed it was paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against [ FCO ] regarding the inaccurate reporting of my account ( # XXXX ) to the credit bureaus. 

Summary of the Issue : I entered into a documented settlement agreement stating I had until XX/XX/XXXX, to settle my balance, either through scheduled payments or a lump-sum payment if payments were missed. 
Over the phone, I was explicitly told that if I missed any installment payments, I would still have until XX/XX/XXXX, to settle the full balance without it being reported to the credit bureaus. 
Despite this agreement, my account was reported to the credit bureaus on XX/XX/XXXX, after the first missed payment on XX/XX/XXXX. 
The agreement clearly outlines three scheduled payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and does not state that missing one payment would trigger immediate credit bureau reporting. 
On XX/XX/XXXX, I spoke to an FCO representative who confirmed that : There is no clause in the settlement agreement stating that missing one payment would result in immediate credit bureau reporting. 
The representative also acknowledged that I was verbally told I had until XX/XX/XXXX, to fulfill the agreement. 
Additionally, the reported balance of {$1300.00} does not align with the agreed settlement amount of {$1200.00}, as documented in our agreement. 
Key Violation Highlighted : The settlement agreement does not include a clause that authorizes immediate credit bureau reporting upon a missed payment. 
The verbal agreement reinforced my understanding that I had until XX/XX/XXXX, to fulfill my obligations. 
The premature reporting and incorrect balance violate the terms of the agreement. 
Requested Resolution : I am requesting the immediate removal of this account from my credit report to reflect the terms of our documented agreement. 

Supporting Documentation : Settlement Agreement Payment Schedule Breakdown Relevant Communication Records This situation has caused undue harm to my credit standing, and I am seeking a swift resolution. 

Thank you for your attention to this matter. Please keep me informed of the progress of my 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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/2024, while I was at the dealership I was told to put cash XXXX XXXX XXXX dollars as a downpayment on a credit transaction. And then I was told I could not do the transaction if I didnt purchase a car warranty which made my payments increase. That is violating antitrust laws on all levels. Also credit acceptance would call me every day several times a day when my payments were late which was pure harassment. I have a copyright on my name and I dont give them permission to use my name XXXX XXXX and any derivatives of it.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding the continued inaccurate reporting of a bankruptcy on my credit report by XXXX. Despite my repeated disputes and requests for verification of the information, XXXX has failed to provide adequate proof of their verification process, in violation of federal law. 
Specifically, XXXX has stated that they verified the bankruptcy through documents furnished by the XXXX XXXX XXXX. However, upon contacting the XXXX XXXX XXXX, I have confirmed that they do not verify such information for credit reporting agencies. Furthermore, XXXX, another reporting agency, has removed this same bankruptcy entry from my report following their own review and determination that it was inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and verifiable information on consumer credit reports. Section 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under Section 1681i, when a consumer disputes the accuracy of information, the reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and must delete or correct information that can not be verified. 
Despite my dispute, XXXX has not demonstrated compliance with these obligations. They have failed to provide me with any evidence or documentation detailing the method and process used to verify the bankruptcy entry. Their lack of transparency and continued reporting of inaccurate information is causing ongoing harm to my creditworthiness and financial well-being. 

Enclosed, I have included the following supporting documents : A copy of my correspondence with XXXX regarding this dispute. 
Evidence of XXXX removal of the bankruptcy from my report. 
Documentation of my communication with the XXXX XXXX XXXX confirming they do not verify such information. 
Thank you for your attention to this matter. Please let me know if you require additional information or documentation to proceed with your investigation.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding the continued inaccurate reporting of a bankruptcy on my credit report by XXXX. Despite my repeated disputes and requests for verification of the information, XXXX has failed to provide adequate proof of their verification process, in violation of federal law. 
Specifically, XXXX has stated that they verified the bankruptcy through documents furnished by the XXXX XXXX XXXX. However, upon contacting the XXXX XXXX XXXX, I have confirmed that they do not verify such information for credit reporting agencies. Furthermore, XXXX, another reporting agency, has removed this same bankruptcy entry from my report following their own review and determination that it was inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and verifiable information on consumer credit reports. Section 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under Section 1681i, when a consumer disputes the accuracy of information, the reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and must delete or correct information that can not be verified. 
Despite my dispute, XXXX has not demonstrated compliance with these obligations. They have failed to provide me with any evidence or documentation detailing the method and process used to verify the bankruptcy entry. Their lack of transparency and continued reporting of inaccurate information is causing ongoing harm to my creditworthiness and financial well-being. 

Enclosed, I have included the following supporting documents : A copy of my correspondence with XXXX regarding this dispute. 
Evidence of XXXX removal of the bankruptcy from my report. 
Documentation of my communication with the XXXX XXXX XXXX confirming they do not verify such information. 
Thank you for your attention to this matter. Please let me know if you require additional information or documentation to proceed with your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: WI

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$5200.00} Late Payment XXXX XXXX XXXX XXXX XXXX - {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
My bank account was accessed and money was fraudulently sent to another account. I not only filed a police report for theft by deception but I also filed it with chime. I have them the money back and instead of refunding my money and going after the person who stole over XXXX dollars they told me no error occurred even with the police stating no this was theft the money was stolen weve even put out a warrant for the persons arrest. My money was stolen and chime decided to believe it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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