vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested a description of the procedure used to determine the accuracy and completeness of the information reported on my consumer report pertaining to a public record. The response I received from the results was that the public record has been verified. The original furnisher, US bankruptcy court sent me a letter stating that they do not verify or report to credit agency. Just because something is public record does not mean the credit bureau is allowed to report it, they must first verify it. The credit bureau is not lawfully and accurately investigating my dispute. The research they are doing is based on assumption of names and addresses from years past and with people with similar names. People with the same name and same address could be a different person. There are many people with the same names and date of birth. Social security numbers are redacted by law and so are many other personal information due to FCRA privacy rights. This public record is unverifiable and needs to be deleted. Please see attached document from the court.

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 2024-12-21 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: ID

Complaint narrative:
Attention : Transunion XX/XX/XXXX To whom it may concern, This collection mentioned below and disputed was purchased by a third party debt collector, XXXX XXXX XXXX. This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by XXXX XXXX XXXX. 

Account originally from XXXXXXXX XXXX XXXXXXXX account XXXX in XXXX. Incorrect amount reporting as {$350.00}. 

How much did XXXX XXXX XXXX pay for this collection? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY. 

Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case.

TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Dates of delinquency that do not align with the accounts actual payment history. 
Reporting errors inconsistent with records from other credit bureaus. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Dates of delinquency that do not align with the accounts actual payment history. 
Reporting errors inconsistent with records from other credit bureaus. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies.

I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: DE

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and to request the immediate blocking and deletion of the fraudulent accounts listed below. These accounts were created without my authorization, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX {$00.00}

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was incorrectly charged {$820.00} by XXXX XXXX for a Collision Damage Waiver ( CDW ) that should have been billed directly to XXXX Insurance XXXX This charge was made to my Discover card. 

After my car was damaged in an accident, XXXX arranged a rental car for me. They confirmed via text message on the rental day that XXXX coverage was included and that XXXX had acknowledged it on their system. However, XXXX erroneously charged me instead of XXXX. 

On XX/XX/year>, I visited the XXXX branch and spoke with the branch manager, XXXX XXXX. He admitted that his staff made a mistake when closing the rental agreement and charged me instead of XXXX. XXXX agreed, as documented in an email exchange with XXXX XXXX, my XXXX case handler, that XXXX would refund me and correctly bill XXXX. 

Despite this agreement, XXXX has not refunded me, and XXXX has stopped providing updates or a timeline for resolution. I filed a dispute with Discover, providing all relevant evidence, including : Text messages from XXXX confirming the CDW arrangement. 
Emails between XXXX and XXXX acknowledging XXXX 's error. 
Documentation showing both XXXX and XXXX agreed I should be refunded. 
On XX/XX/year>, Discover denied my dispute, claiming the transaction was valid without providing a clear explanation. I never received any mail or communication from Discover explaining their reasoning, as promised. 

This situation has caused undue stress and inconvenience, including multiple visits to XXXX and hours spent on calls and disputes. I am left with a charge of {$820.00} for XXXX admitted error. Both XXXX and Discover have failed to take responsibility, leaving me unfairly charged. 

I request CFPBs assistance in resolving this matter and ensuring I receive the refund I am owed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding an error in reporting my credit card payment status, which has significantly impacted my credit standing. 
I had tried to make these payments via mobile however encountered issues. On XX/XX/year>, I made a payment of {$600.00} via phone payment to my XXXX XXXX XXXX credit card account for the month of XXXX and XXXX payments.The payment was processed, and I received confirmation with the number # XXXX. Despite this, XXXX XXXX XXXX incorrectly reported my account as 30 days past due for XX/XX/year> to all three credit bureaus. They also lowered my credit limit on my credit card and stated my card was 30 days past due which resulted in a negative mark on my credit report and my score dropping significantly. I have been a member for 15+ years and a credit card holder for 10 years. Service has been unacceptable and explanations were lacking. Please fix 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 2024-12-21 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:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding an error in reporting my credit card payment status, which has significantly impacted my credit standing. 
I had tried to make these payments via mobile however encountered issues. On XX/XX/year>, I made a payment of {$600.00} via phone payment to my XXXX XXXX XXXX credit card account for the month of XXXX and XXXX payments.The payment was processed, and I received confirmation with the number # XXXX. Despite this, XXXX XXXX XXXX incorrectly reported my account as 30 days past due for XX/XX/year> to all three credit bureaus. They also lowered my credit limit on my credit card and stated my card was 30 days past due which resulted in a negative mark on my credit report and my score dropping significantly. I have been a member for 15+ years and a credit card holder for 10 years. Service has been unacceptable and explanations were lacking. Please fix asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding an error in reporting my credit card payment status, which has significantly impacted my credit standing. 
I had tried to make these payments via mobile however encountered issues. On XX/XX/year>, I made a payment of {$600.00} via phone payment to my XXXX XXXX XXXX credit card account for the month of XXXX and XXXX payments.The payment was processed, and I received confirmation with the number # XXXX. Despite this, XXXX XXXX XXXX incorrectly reported my account as 30 days past due for XX/XX/year> to all three credit bureaus. They also lowered my credit limit on my credit card and stated my card was 30 days past due which resulted in a negative mark on my credit report and my score dropping significantly. I have been a member for 15+ years and a credit card holder for 10 years. Service has been unacceptable and explanations were lacking. Please fix 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 explanation
Consumer complaint received 2024-12-21 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 a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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/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 2024-12-21 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:
I am writing to formally lodge a complaint regarding several unfamiliar accounts that have appeared on my credit report following my exposure in a national data breach. Despite my proactive efforts to address this matter, I have not received satisfactory assistance, and I am seeking your intervention to resolve the issue. 

Following the data breach, I reviewed my credit report and identified accounts that I did not open or authorize. In response, I submitted a written request to the credit bureaus, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), to validate the debts associated with these accounts. However, I have not received adequate documentation or validation confirming the legitimacy of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that all accounts and inquiries resulting from the breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts should be blocked and deleted : 1. 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 Additionally, the following inquiries should be blocked and deleted : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please promptly block and delete these accounts and inquiries from my credit report as they were made due to unauthorized access resulting from the data breach. Kindly provide written confirmation once the accounts and inquiries have been removed, along with an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: MS

Complaint narrative:
Under frca you can seek statutory damages if a creditor furnisher inaccurate information about a debt such as incorrectly reporting a charge off while still claiming I owe the debt that's against the law. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Under frca you can seek statutory damages if a creditor furnisher inaccurate information about a debt such as incorrectly reporting a charge off while still claiming I owe the debt that's against the law. 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 2024-12-21 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: DC

Complaint narrative:
I'm disputing this account on my Experian report because I believe there is an error. According to the Federal Trade Commisions ' guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the creditor/ collection agency to no avail, and I would like to request that Experian investigate this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.

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 2024-12-21 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: DE

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and to request the immediate blocking and deletion of the fraudulent accounts listed below. These accounts were created without my authorization, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit report. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: DE

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and to request the immediate blocking and deletion of the fraudulent accounts listed below. These accounts were created without my authorization, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXXXXXX 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