vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to urgently request the removal of a fraudulent item from my credit report. Despite my continuous efforts and multiple disputes, the following fraudulent account remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the responsibility of the credit bureau to investigate and rectify these inaccuracies promptly. I request that you could help me : Immediately remove the fraudulent item from my credit report. Provide written confirmation of the removal. Given the extensive history of my disputes and the lack of resolution, I am also filing a complaint with you to seek their assistance in resolving this matter. Failure to address these inaccuracies XXXX result in further legal action to protect my rights. Kindly help me remove the following items immediately : XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; 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, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7700.00} ; US DEPT ED XXXX Balance Owed : {$2600.00} ; US DEPT ED XXXX Balance Owed : {$6600.00} XXXX US DEPT ED XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; US DEPT ED XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} ; US DEPT ED XXXX Balance Owed : {$4900.00} ; US DEPT ED XXXX Balance Owed : {$10000.00} ; US DEPT ED XXXX XXXX Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed XXXX {$6400.00} ; US DEPT ED XXXX Balance Owed : {$8800.00} ; US DEPT ED XXXX Balance Owed : {$7500.00} ; US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to urgently request the removal of a fraudulent item from my credit report. Despite my continuous efforts and multiple disputes, the following fraudulent account remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the responsibility of the credit bureau to investigate and rectify these inaccuracies promptly. I request that you could help me : Immediately remove the fraudulent item from my credit report. Provide written confirmation of the removal. Given the extensive history of my disputes and the lack of resolution, I am also filing a complaint with you to seek their assistance in resolving this matter. Failure to address these inaccuracies XXXX result in further legal action to protect my rights. Kindly help me remove the following items immediately : XXXX XXXX XXXX, TX 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 XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} ; U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} ; US DEPT ED XXXX Balance Owed : {$2600.00} ; US DEPT ED XXXX Balance Owed : {$6600.00} XXXX US DEPT ED XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; US DEPT ED XXXX Balance Owed : {$280.00} ; US DEPT ED XXXX Balance Owed : {$3100.00} ; US DEPT ED XXXX Balance Owed : {$4900.00} ; US DEPT ED XXXX Balance Owed : {$10000.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed XXXX {$6400.00} ; US DEPT ED XXXX Balance Owed : {$8800.00} ; US DEPT ED XXXX Balance Owed : {$7500.00} ; US DEPT ED XXXX Balance Owed : {$3100.00} 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 2024-07-27 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: GA

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
I need your assistance with this incorrect account listed on my credit report. This issue is harming my reputation, and I require your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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.

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 2024-07-27 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-27 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: GA

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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.

This company 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.

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 2024-07-27 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: MA

Complaint narrative:
Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX. Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers as income, it should not be listed as a negative item on my credit report. 
I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the 15 days required by the FCRA This is violation of my rights under 15 USC 6802

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers as income, it should not be listed as a negative item on my credit report.

I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the 15 days required by the FCRA This is violation of my rights under 15 USC 6802

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 2024-07-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I Have XXXX AMEX ( American Express ) prepaid gift cards I have attempted to use in multiple locations ( XXXX, XXXX, brick and mortar stores, XXXX wallet ). It shows an active balance on Amex 's website, Amex advertises these cards as " widely accepted '', and all are consistently rejected when I attempt to make any purchase in any location. This widely tracks with online experiences of many others who have run into the same problems with their AMEX gift cards becoming largely useless, and I sincerely hope that beyond addressing this specific issue the CFPB is considering a more systemic investigation into AMEX 's business practices regarding these cards. The card number is below : $ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: AZ

Complaint narrative:
I am writing to report Transunion for continuing to allow false reporting of information from companies that are operating under : - Fraud ( 18 U.S.C. 1341 ) - Coercion ( 18 U.S.C. 875 ) - Unlawful conversion ( CCC 956, CCC sec 9314, CCC 1717, 1788 ) - Involuntary servitude ( 18 U.S.C. 1584 ) - Unjust enrichment ( CCC 2223, 3543 ) There have been several requests for removal of information found to be fraudulent, the last request being mailed and accepted via certified mail ( XX/XX/year> ) which has not provided any results. Transunion has failed to properly ( within 15 days ) remove the information reported by these companies, allowing false and damaging information to continue to be reported which has caused significant financial harm and distress. 

Furthermore, Transunion 's involvement with these companies seems to constitute a form of organized crime and credit sabotage, forcing people into financial hardships and peonage. Notably because a written affidavit advising of rescinded contracts ( for fraud, breach of contract, and misrepresentation ) was mailed AND accepted by Transunion on XX/XX/year>, via certified mail. By the continuation of facilitating false reporting after notification via affidavit, Transunion is complicit in the exploitation, sabotage, and manipulation of consumers.

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 2024-07-27 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: GA

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. Closed Accounts : Delete from Credit Report XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX XXXX has violated my rights. 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. 

PLEASE, Delete from Credit Report XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX - XXXX has violated my rights. 

This has gone on for 6.5 years They do not appear on XXXX or XXXX.ONLY TRANSUNION PLEASE DELETE THESE ACCOUNTS, PLEASE

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