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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Request for Documentation Regarding Late Payment Reporting Account : XXXX XXXX Account Number : XXXX Dear [ Creditor 's Name or " To Whom It May Concern '' ], I am writing to formally request documentation regarding a late payment that has been reported on my credit report for the above-referenced account. I believe there may be an error in this reporting and seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least 21 days before the payment due date. The notice must include a form, as outlined in 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment.

To ensure that my rights have been respected and that the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing.

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions.

If you are unable to provide the requested documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law.

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will be forced to pursue further action to ensure my credit report is accurate and that my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Request for Documentation Regarding Late Payment Reporting Account : XXXX XXXX Account Number : XXXX Dear [ Creditor 's Name or " To Whom It May Concern '' ], I am writing to formally request documentation regarding a late payment that has been reported on my credit report for the above-referenced account. I believe there may be an error in this reporting and seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least 21 days before the payment due date. The notice must include a form, as outlined in 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment.

To ensure that my rights have been respected and that the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing.

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions.

If you are unable to provide the requested documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law.

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will be forced to pursue further action to ensure my credit report is accurate and that my consumer rights are protected.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: NY

Complaint narrative:
Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX I forwarded correspondence demanding that you block and delete fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identiable information was compromised, leading to unauthorized accounts being opened in my name. TO DATE YOU HAVE FAILED TO REMOVE THE BELOW ITEMS AND ARE IN VIOLATION OF THE LAW.

THIS IS MY SECOND formal request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identiable information was compromised, leading to unauthorized accounts being opened in my name. 
The fraudulent accounts in question are as follows : Account Name : TXXXX 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  As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written conrmation from your office once the fraudulent accounts have been blocked and removed.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2024-12-17 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: NM

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: NY

Complaint narrative:
I found incorrect late payment entries in my credit report. These discrepancies do not reflect my actual payment record. I kindly request that you fix these and update my account.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
On XX/XX/2024, I was informed by Charles Schwab Bank that {$4800.00} had been fraudulently transferred out of my account. The funds were moved without my authorization through an internal brokerage accountone I was not aware I hadand then wired to a XXXX  XXXX XXXX account. 

I immediately reported this to Schwab, and they acknowledged the fraud and began an investigation. However, despite repeated requests for updates and provisional credit, Schwab has delayed action for 11 calendar days. Representatives, including XXXX XXXX, XXXX XXXX, and XXXX XXXX, have failed to provide any clear explanation or resolution. 

This delay has caused me severe financial hardshipI can not pay my rent, which is due in 3 days, and I have missed bill payments, resulting in a damaged credit score. I have been a loyal Schwab customer for 5 years, and their negligence in safeguarding my funds and resolving this matter has caused significant stress and uncertainty for my family.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just checked my credit report, and this account XXXX XXXX XXXX with the number XXXX is showing the wrong rating of CollectionOrChargeOff. You said it was opened on XXXX and had a last activity date of XXXX, but I know thats not true. Please delete this account from my report! 

You also said you last verified it on XXXX. According to 15 U.S.C. 1681s-2, I have a right to see the info you used to verify this. Can you send that over? And Id like to see proof that I owe {$1000.00}, because I dont owe it.

Just so you know, Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) says if you cant verify something, it has to be removed. I look forward to you fixing this! 

This has been a recurring issue where FRAUDULENT reporting is continually being posted onto my report. I fear that the next step is to attain an attorney. As of XX/XX/XXXX, my report went from : XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$1000.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : -- Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- TO : XXXX XXXX XXXX  XXXX Original Creditor : - Company Sold : - Account Type : Credit card Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Credit Usage : 146 % Balance : {$1000.00} Balance Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Credit Limit : $ 700 Monthly Payment : - Past Due Amount : {$1000.00} Highest Balance : {$1000.00} Terms : - Responsibility : Individual

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
on XX/XX/year> I gave a call to one main XXXX XXXX XXXX  to discuss the payment options I had. Was told the call will be monitored and recorded. I was given two options for repayment. I had a hard time understanding the One main representative, she had a thick southern accent, I asked the representative if she could email me the two options so I can read what both entail. How ever upon requesting written disclosures I was told I can receive the disclosures once I picked one of the two options. The representative when on to say that " its basically the same thing '' and that both options change on a monthly basis. and the representative kept insisting that again " they were the same thing '' I requested disclosures several of times and I was denied disclosures and again was told that I would receive them once I agreed to an option. How would I know i made the right decision if they are " the same thing '' or if I would have waited till XXXX since both options tend to change monthly. This is violates truth in lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
It appears I have an account with Chime Financial. I received multiple emails claiming that my account email, password and phone number have been changed. It seems my account is compromised. I called them gave them my SSN, DOB and details and they told me I don't have an account with them. This is despite receiving multiple emails from them about details to my account changing. They are not willing to help resolve this matter.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against Equifax for their failure to provide any proof of validity or factual record in response to my inquiries regarding my credit report, and for their treatment of inaccurate or unverifiable information. I have made multiple requests for this information, but have yet to receive a satisfactory response. As a consumer, I have a right to access and review my credit report, and to dispute any inaccuracies or errors that may appear on it. However, without proper validation and factual documentation, I am unable to verify the accuracy of the information on my credit report. In accordance with the Consumer Financial Protection Bureau regulations, if after investigation, an item of information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency is required to promptly delete that item of information from the file of the consumer. I am requesting that Equifax immediately provide the necessary proof of validity and factual record in response to my inquiries, and that any inaccuracies or errors on my credit report be promptly corrected and deleted as per the above regulation ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any investigation under paragraph ( XXXX ) 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 ( i ) promptly delete that item of information from the file of the consumer. Furthermore, I am requesting that the Credit Bureau investigates and takes appropriate action against Equifax for their failure to comply with the regulations as described by the Consumer Financial Protection Bureau. Thank you for your attention to this matter. Sincerely, XXXX 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 — Account status incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX  XXXX XX/XX/year> {$1600.00} XXXX XXXX XXXX XX/XX/year> {$1200.00} NCA XXXX {$210.00} I have not received any requested documents. 
I requested to see my the signature that I put on a contract guaranteeing that I would pay this creditor on the debts above. I also did not received any info for chain of title to collect on this debt for each creditors listed above. Nor I did not get a detailed history of payments that I made on these accounts listed above. I also requested to know if there has been a insurance claim on these debts.

Company response to consumer: Closed with explanation