vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$9800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$130.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$460.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE $ XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$9700.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  BANK # XXXX - BALANCE {$690.00} - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023

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 2024-08-21 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - BALANCE {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$6000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - BALANCE {$410.00} - DATE OPENED XX/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 non-monetary relief
Consumer complaint received 2024-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - BALANCE {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$6000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - BALANCE {$410.00} - DATE OPENED XX/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 2024-08-21 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX 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 XXXX 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. 

XXXX XXXX XXXX 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 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 2024-08-21 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/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 2024-08-21 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: LEXISNEXIS
State: PA

Complaint narrative:
i recently reveiwed a copy of my credit report and i notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Nations Direct Mortgage, LLC
State: NC

Complaint narrative:
My mortgage company, Nations Direct, turned my loan over to XXXX XXXX XXXX company on XX/XX/year>. I have contacted XXXX mortgage weekly for 3 months asking to make payments and they keep telling me that they are still processing the loan and it is with the underwriters and I need to wait until the process is complete. They are charging me {$30.00} a month for a home inspection fee to make sure I'm still living in my home. Today I just found out that Nations Direct reported that I am over 60 days late with my mortgage and my credit score went down XXXXXXXX XXXX. I am devastated that I have been so negatively affected by both these companies, through no fault of my own, and no one is resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: PA

Complaint narrative:
I was shocked to see inaccurate accounts on my credit report this morning, and I have no clue how they got there. I check my credit report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts were still there. This issue has left me deeply concerned, and I urgently request a thorough review of the documents I've submitted so I can finally put this worry behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
This account was open fraudulent in my name and now they say I owe a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: MA

Complaint narrative:
Dear XXXX XXXX, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX USC XXXX ( XXXX ). 
Under Section XXXX XXXX XXXX ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. 
XXXX. [ XXXX XXXX XXXX Account # XXXX, ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. [ XXXX Account # XXXX ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. [ XXXX XXXX Account # XXXX ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 

Here I am sending proof that you supposedly did an investigation, you also say that all accounts were verified, yes all accounts were verified. There must be a record of the method that was used to verify that the disputed information is accurate and has Authorization. I want all the proof as required by law.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
XXXX  ACCT # : XXXX XXXX  ACCT # : XXXX I discovered that two child support accounts have been inaccurately reported on my credit report as consumer debts. These accounts are associated with administrative support orders and should not be classified as debts under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). The reporting of these accounts as debts is misleading and damaging to my credit profile, as child support obligations are not covered under the FDCPA. This incorrect reporting violates my rights and has negatively impacted my credit score.

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 2024-08-21 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-21 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Please see the attachments. This issue relates to discrimination for exercising consumer rights. The photos attached are of what I see when I attempt to login to the XXXX XXXX website now. It appears that since I have taken photographs of the secure message center messages and provided them in previous complaints, that XXXX has restricted my access to their site all together. Just another classic example of their discriminatory actions. As you will see from the screenshot messages converted to PDF ( previously just sent as XXXX file in previous complaint ), there are no " XXXX  ''. Filing a complaint is a right that I have as a consumer when my rights are being violated. Especially those rights which are in place to protect me and other consumers from discrimination such as this from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: AZ

Complaint narrative:
On or around XX/XX/year>, a XXXX XXXX  CREDIT ACCOUNT was reported to my credit. I was completely unaware of this fraudulent account. This account is damaging my credit. I never authorized or opened this XXXX XXXX account. This account is fraudulent.

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 2024-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: INDEPENDENCE HOME LOANS LLC
State: MS

Complaint narrative:
Back in XXXX of this year I had tried to get a VA mortgage refinance loan. In that process, I had to do an appraisal. I was told it would be {$600.00}, which I paid using my credit card. That is the fee that is supposed to be charged to do a VA appraisal. On my next credit card statement, it showed I had been charged {$660.00}. {$69.00} over what I had been told. I ended up going to another mortgage company for several different reasons, one of which was the overcharging me for the appraisal. The other reasons were they kept messing up on the paperwork, such as wrong address, wrong amount of loan, and other mistakes on the loan paperwork. Another huge issue was they were going to charge me 5 % on points under Origination charges as part of the closing costs, which is way above what should be charged. 

I ended up having to block him from contacting me further due to getting into it with him over the errors and his unprofessionalism. 

The mortgage company and loan officer is : XXXX XXXXXXXX XXXX XXXX XXXX Executive Loan Officer, NMLS # XXXX Phone XXXX ext XXXX Fax XXXX Email XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX NMLS License # XXXXXXXX XXXX XXXX XXXX License # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 2024-08-21 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) updated from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint to dispute an erroneous account reported by Jefferson Capital System on my credit report. This account does not belong to me, and I have no knowledge of any transactions or debts related to this account. Despite my efforts to resolve this issue directly with Jefferson Capital System, they have refused to remove the account from my credit report.

Company response to consumer: Closed with explanation