vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: MA

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 explanation
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
Hi, please hear me out, this has been going on for months trying to correct errors you made on your end and I am absolutely frustrated as my requests are ignored/disregarded. 

The information you are reporting on my credit is false, inaccurate and contains a lot of errors, this has been already removed by both XXXX and XXXX and have been blocked from reporting yet you continue to put this information on my report which violates my rights as a consumer. This is unjust and causing me tremendous anxiety, furtherly harming my life and financial opportunities.

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 2024-09-04 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: GA

Complaint narrative:
I am writing to formally request the immediate correction of an inaccurately reported late payment entry on my credit report concerning my XXXX XXXX XXXX XXXX account. The details of the account are as follows : Account Number : XXXX XXXX XXXX XXXX Upon reviewing my credit reports, I have identified discrepancies that require urgent attention XXXX XXXX and XXXX : My payments on this account are accurately reported as being made on time. 
TransUnion and XXXX : These bureaus incorrectly indicate that I missed a payment on this account. 
I want to emphasize that I have never missed a payment on this credit card. All payments have been made punctually through a recurring payment setup, which should ensure timely and consistent payments. The inaccuracies reported by TransUnion are likely due to a system error, and I request that these errors be rectified immediately. 

Legal Basis for Correction : According to 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Given this legal requirement, it is imperative that my credit report accurately reflects my payment history and financial responsibility.

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 2024-09-04 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-09-04 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-09-04 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: MI

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

Company 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 2024-09-04 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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 am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

XXXX XXXX  ( Account XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Status : Closed XXXX. XXXX XXXX XXXXXXXX ( Account XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Status : Open XXXX. XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ - Status : Paid Closed XXXX. XXXX XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ - Status : Transferred Closed XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Open Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-04 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I rented an apartment at XXXXXXXX XXXX on XXXX in XXXX, FL between XX/XX/XXXX - XX/XX/XXXX. During this time, I attempted to sublease my apartment. I had another tenant ready to take the lease with all documents signed, but failed to pick up the keys due to Covid 19. When I paid my last month through the online renter portal, my rent amount wasn't prorated, but I paid the full amount in good faith and was told by XXXXXXXX XXXX the excess amount of {$510.00} would be returned. After moving out, I was informed there was a claim on my security deposit due to not giving a sufficient notice to vacate, even though a deposit wasn't required upon move in, and the overpayment of rent was going to be used for that claim instead of being returned to me as promised. I did not pay the amount due to not receiving the money that was owed to me and was sent to collections. 

I recently reached out to the collections agency during XXXX of XXXX to resolve the issues and asked them to provide supporting documents validating I did not provide sufficient notice to vacate because I did not recall not providing a sufficient notice upon move out. The collections agency, National Credit Systems, provided me an illegible document of what they claim to be a copy of my lease, and a copy of a notice to impose a claim on my security deposit. During this time I also contacted XXXXXXXX XXXX  on XXXX to provide me with supporting documents showing I did not give a sufficient notice to vacate but they informed be they had no documents supporting this claim as well as no documents whatsoever of me or my lease in their systems. I do not understand how National Credit Systems continues to validate the account after my multiple disputes with XXXX, XXXX XXXX XXXX when there's no supporting documents from the Original Creditor ( XXXX XXXX on XXXX Apartments ) that I didn't give a sufficient notice to vacate. 

I can not include a copy of what National Credit Systems claims to be my lease due to the file size restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 non-monetary relief
Consumer complaint received 2024-09-04 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: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with US Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of US Bank for over four years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/year>, was returned due to insufficient funds in my US Bank checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from US Bankafter the 30-day period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/year>, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to US Bank, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from US Bank about the failed payment. 
I took immediate action to make the payment once I became aware, well within the 30-day mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that US Bank correct this error and remove the late payment from my credit report to prevent further damage to my credit score. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-09-04 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: MI

Complaint narrative:
XXXX, Trans Union, XXXX. Has cause damage to my Honorable name XXXX XXXX XXXX reporting XXXX accounts in XXXX XXXX XXXX XXXX and Social Security XXXX XXXX I XXXX XXXX XXXX, XXXX man, Secured XXXX Creditor ( UCC XXXX No XXXX XXXX ) XXXX XXXX XXXX is XXXX that XXXX XXXX XXXX XXXX their records and recording be changed to reflect perfect XXXX XXXX per XXXX XXXX XXXX XXXX credit needs to be extended per my Constitutional Rights. If any documents are need for proof of XXXX provide email and written notice. Thank you for up holding your Oath to the 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 2024-09-04 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: MI

Complaint narrative:
XXXX, XXXX XXXX, Equifax. Has cause damage to my Honorable name XXXX XXXX XXXX reporting XXXX accounts in XXXX XXXX XXXX XXXX and Social Security XXXX XXXX I XXXX XXXX XXXX, XXXX man, Secured XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX is XXXX that XXXX XXXX XXXX XXXX their records and recording be changed to reflect perfect Credit score per XXXX XXXX XXXX XXXX credit needs to be extended per my Constitutional Rights. If any documents are need for proof of XXXX provide email and written notice. Thank you for up holding your Oath to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: MA

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 2024-09-04 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-04 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: FL

Complaint narrative:
My account with EQUIFAX 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation