vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my TransUnion credit report. Despite two prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate 30-day late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Last Verified '' date ( XX/XX/XXXX ) conflicts with the " Date of Last Activity '' and " Date Reported, '' which should align. Such discrepancies violate 15 U.S. Code 1681i, which mandates accurate and consistent reporting.

Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is incorrect and contradicts the payment amounts listed, showing no past-due balance.

Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account.

Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting. Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report. Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future.

I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
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 2024-12-23 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
XXXX XXXX in Washington state is trying to illegally charge me for carpet cleaning that is not beyond normal wear and tear for an apartment that I have vacated. This is illegal per RCW 59.18.280. I have asked these apartments multiple times for evidence that there was more than regular wear and tear in these units and they have refused. Instead, they sent me to XXXX XXXX XXXX who have placed derogatory marks on my XXXX, Transunion, and XXXX credit reports. XXXX removed the marks after I sent evidence that the debt being collected was illegitimate. However, on two occasions already I have sent Transunion evidence of this debt being illegitimate and they have refused to remove the derogatory marks, saying that their internal investigation " validated '' the debt. They sent me no evidence of this validation and closed my disputes.

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 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX kind if you can get through but I received nothing except for a notification from my bank present affects all 3 Personal statement ID etc because I can not work on the credit bureaus if they at least dont give me something to work with. Paper via fed acceptable while trying to replace documents likely used to create this issue.

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 2024-12-23 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: Affirm Holdings, Inc
State: IN

Complaint narrative:
In XXXX, I established an account with Affirm.com. However, they allege the existence of five additional accounts under my name, which I did not authorize. These unauthorized accounts utilize different phone numbers, email, addresses, signature, and social security numbers, yet Affirm maintains I am liable for their payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Kindly examine the fraudulent and suspicious items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
So someone has and continues to use my information as my ID was stolen along with my information and these people have made my life and continue to make my life impossible and its becoming a living XXXX for the fact that Ive witnessed so much unprofessional behavior as well as total disregard for merits or truths that have given me a status of fraudulent therefore I am not allowed to have any kind of financial anything and its because of someone else having my identity and even led to me going to jail because 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 2024-12-23 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: CA

Complaint narrative:
There is an item on my credit report that resulted from fraud and from which I never benefited. I reported this issue to the Federal Trade Commission, yet the fraudulent item remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized applications have been made in my name, leading to fraudulent inquiries on my credit report that I did not authorize. These inquiries have negatively impacted my credit score. I contacted the bureau, and a representative assured me they would be removed, yet they still appear on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX LAST 4 SOCIAL : XXXX CREDIT BUREAU NAME : Experian CREDIT BUREAU To Whom It May Concern : I've found multiple inaccuracies and I'm aware that your job is to ensure the accuracy of my credit report. 
ACCOUNT NAME : XXXX ACCOUNT # : XXXX Why is it that this account is reporting two different Dates of last activity? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have contacted Portfolio Recovery credit reporting company about the accounts, charge off accounts, and collection account ( XXXX ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. Also they have accounts listed as ( CHARGED OFF ) I have never been provided a ( 1099-c ) tax form. I asked how can they show ( CHARGED OFF ) and report a balance? I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if I opened said accounts and if said accounts belong to me. They have not. I asked for proof of how they verified these said accounts. I have yet to receive proof of debt validation or a purchase agreement from this company. ACCOUNT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$59000.00}, XXXX XXXX XXXX XXXX {$16000.00}, XXXX  Balance {$34000.00}, XXXXXXXX XXXX Balance {$310000.00}, XXXX XXXX XXXX XXXX XXXX {$5900.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2024-12-23 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:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal is reporting inaccurate information on my credit report ; which is a violation of the Fair Credit Reporting Act ( FCRA ). 

My XXXX and XXXX credit report both shows a payment history, while there is no payment history being reported on XXXX credit report. 

XXXX and XXXX have year 2021 dates inaccurate XXXX, XXXX, and XXXX on the XXXX reports is show 30 days late and XXXX, XXXX, XXXX on the XXXX report. 

Each credit report has different accounts numbers and last activity dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I have never had XXXX service. They are charging me thousands of dollars for something I know nothing about. I want to see their documentation of what they have to show that it was not me. I want the phone number they are charging for and I want to have this taken off my credit report. I want the original date. I want to see where I signed something. I need this removed. I keep disputing this and they keep lying.

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 2024-12-23 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: MD

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-12-23 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 urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-12-23 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: NJ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
I recently noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts under my name. These accounts are not mine, and their presence is causing unnecessary confusion and harm to my financial record.

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 2024-12-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-23 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: VA

Complaint narrative:
Ive reviewed my credit report and found multiple billing inaccuracies. These late payments dont align with my typical payment habits. Please address these mistakes and update my account. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
There is incorrect and inaccurate information on my credit report. My TransUnion and XXXX credit report is reporting a account on my report from XXXX XXXX and XXXX XXXX  which is indeed not my account. It's does not report on XXXX at all and would like this account removed. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with TransUnion plenty of times with no resolution. 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( * ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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