vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-09-26 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: OH

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitation. you failed to investigate this account properly and you neglect has violated my rights. I am demanding a deletion of the following account Account name : XXXX XXXX XXXX Account Number : 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 2024-09-26 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: AR

Complaint narrative:
The late payment remarks currently listed on my credit report are inaccurate and do not accurately reflect my payment history for this account. These late payments were either reported in error or do not align with the actual payments I have made. As a result, the incorrect information is negatively impacting my credit score and overall creditworthiness. I kindly request a thorough review of these remarks and an update to reflect the accurate payment history, in accordance with the Fair Credit Reporting Act ( FCRA ), to ensure that my credit report maintains accuracy and integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-26 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: CA

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I received an email from aspire saying they sold and transferred my credit card information to a collection agency after saying they charged off the balance. If they charged off the balance, that means they submitted their 1099 form and got paid, then are trying to commit further fraud by selling the paid debt to another company since they have already been reimbursed so they sold it so XXXX XXXX can make money off the debt. I have agreed to no dealings with XXXX and Aspire needs to send proof I signed for this debt they are selling. 
Here is their admission to fraud. 
Dear, Notification of Assignment, Sale and Transfer of Your Credit Card Account The purpose of this notice is to inform you that your Aspire Credit Card account ending in XXXX was sold to XXXX XXXX XXXX XXXX XXXX on or about XX/XX/year> with a balance of {$840.00}. This notice provides you with information regarding this sale and how to contact XXXX XXXX XXXXXXXX XXXX XXXX 

A Few Important Points We charged off your balance of {$840.00} on XX/XX/scrub>XXXX 
Effective immediately, we no longer own your account. Your account is now owned and managed by XXXX XXXX XXXX XXXX XXXX. 
In connection with the sale of your account, we will notify the appropriate consumer reporting agencies of the transfer in ownership. Please allow up to 30 days for the consumer reporting agencies to reflect this change on your credit report. 
Future communications will be from XXXX XXXX XXXX XXXX XXXX. 
We were the only creditor for your Aspire Credit Card prior to the sale of your account to XXXX XXXX XXXX XXXX XXXX. 

Mail your payments to : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX You may reach XXXX XXXX XXXX XXXX XXXX, toll free at XXXX or via their website : XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This month i found out that someone opened accounts under my name without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This month i found out that someone opened accounts under my name without my knowledge

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 2024-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I contacted TD Bank about a potential deferral on our mortgage on XX/XX/ via phone-I did not have to provide any written documentation-they said I should hear back in about 30 days. 

We got an official letter dated XX/XX/ which stated the same thing. 

I followed up with them for 3 months until they finally put the deferral in writing dated XX/XX/ XXXX XXXX 

My wife and I signed the paperwork and sent it back via the XXXX package provided. 

TD Bank received the package about XX/XX/XXXX and I continued to follow up with them about the actual processing of it which kept getting delayed. 

In about XXXX I requested a supervisor/customer advocate to get involved and found out the bank was having internal issues getting this finalized. 

This went on for another 3 months until they put new paperwork together XX/XX/. 

They will not process this until XX/XX/XXXX XXXX XXXX 

They have ruined my credit as this took 8 months instead of 1 and they never should have reported the amount past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-09-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a formal complaint against Equifax and XXXX for their repeated failure to address multiple fraudulent entries and inaccuracies in my credit reports. As a victim of identity theft and human trafficking, numerous fraudulent accounts have been opened in my name without my authorization, severely damaging my creditworthiness and financial stability. 
Despite numerous requests, both Equifax and XXXX have neglected to remove the fraudulent accounts and an incorrect public record from my credit files. Their refusal to correct these inaccuracies is a blatant violation of federal law, specifically multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Act, which mandate prompt action to protect victims of trafficking and identity theft. 

FCRA Violations : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax and XXXX are legally required to block fraudulent information upon notification of my status as a victim of identity theft. They have failed to block this information, keeping fraudulent entries in my file in direct violation of the law. 

Section 609 ( 15 U.S. Code 1681g ) : Both agencies have failed to provide accurate and complete disclosure of all information in my file, as required by law. This is evidenced by the continued presence of unauthorized accounts and public records in my credit report.

Section 611 ( 15 U.S. Code 1681i ) : Neither Equifax nor XXXX have conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period, demonstrating a failure to comply with this section of the FCRA. 

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Both bureaus have failed to follow reasonable procedures to ensure the maximum possible accuracy of my credit information, continuing to report fraudulent and damaging information. 

Debt Bondage Act Compliance : Under the Debt Bondage Act, both Equifax and XXXX are legally obligated to block any fraudulent information within four days of receiving notice that the information is related to human trafficking or identity theft. I have provided the necessary documentation of my status as a trafficking survivor, and I expect full compliance with this legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I was charged {$60.00} for a charge that was only supposed to be {$53.00}. Ive provided all the documentation to Truist showing that I was charged incorrectly, and have resent the information multiple times : on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Truist denied the claim after I sent my information on the XXXX, and said that they never received my documentation. ( I have evidence that it was sent and received on all those dates. ) They sent the claim in for review on XX/XX/XXXX, after I called and requested for them to do so. I received a voicemail regarding the claim on XX/XX/XXXX, letting me know they had an update, and they asked me to give them a call. When I called back they said that they had no update, and requested I resend my documentation, which I did. After doing so, they let me know I would get an update within the next 10 days. They never reached out to me. I called on XX/XX/XXXX for an update, and they told me that the escalation attempt was still under review, despite the evidence that I sent over to them multiple times. When I asked for an update on the timeline, they told me that they could not give me one, at all, and that I would have to wait for a response from Truist. I told them that I had been told 10 days previously, and they informed me there was nothing they could do about that. I asked to speak with a manager, and they told me that all they could do was wait for my second review to finish processing. I let them know that I was filing a complain with the CFPB, and was finally transferred to a manger. ( Which they told me before was not possible until my dispute went through the second review ) I spoke to a woman named XXXX, and she told me she would reach out with an update regarding my claim, and that she would send an email directly to the representative working my case. ( Which is also what I was told on XX/XX/XXXX ) So, after over a month of going back and forth with Truist regarding this claim, I am still no closer to getting a refund of what I was incorrectly charged. I have been banking with Truist for almost 10 years, and this type of disregard and unprofessionalism is completely appalling, and only made worse by the insincere attitude of the Truist representatives.

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 monetary relief
Consumer complaint received 2024-09-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy. 

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
After checking my credit report, I discovered multiple billing errors. The late payments recorded do not correspond with my usual payment history.

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 2024-09-26 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows. 

XXXX XXXX XXXX It has come to my attention that the charge off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

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