vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
I XXXX XXXX XXXX was a victim of XXXX XXXX and now recovered below I have attached my proper documentation of proof showing i'm a recovered victim of XXXX XXXX 

I will also be attaching my proof of identity.

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 2024-12-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I XXXX XXXX XXXX was a victim of XXXX XXXX and now recovered below I have attached my proper documentation of proof showing i'm a recovered victim of XXXX XXXX 

I will also be attaching my proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-12-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed a copy of my credit report and noticed unrecognized and unauthorized inquiries.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2024, I was contacted by a debt collection agency under a new name via email. I had never given this company my email address nor authorized them to contact me through this medium. This is the first time they have used email to reach out to me, and I was surprised and distressed by this unsolicited communication. 

The email was sent by XXXX XXXX XXXX and appeared to be related to a debt I may or may not owe. However, I would like to note that the debt in question is old, and the statute of limitations for collecting this debt has passed. According to the law, this debt is no longer enforceable, and the collection agency has no legal grounds to attempt to collect on it. I believe the collection agency is violating my rights by trying to pursue this debt after the statute of limitations has expired. 

Before this incident, I had no prior interactions with this company, and I did not have any expectations that they would reach out to me via email. I did not give consent for them to use this form of communication, and their contact via email has caused unnecessary stress and confusion. 

I have not yet requested that they stop contacting me, but I am making this request now, and I want them to cease all communications with me, particularly via email, since I never gave them permission to contact me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I recently reviewed a copy of my credit report and noticed inquiries that i dont recognize and unauthorized.

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 2024-12-16 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
XXXX XXXX XXXX  sent my credit profile into collections for a phone i never applied for. The address used to obtain the phone in question was not my address. I had no prior knowledge of the debt until it was on my credit report. I cant get any information from XXXX XXXX XXXX  because i dont have the pass code for the account.

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 2024-12-16 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: VA

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This company took over an existing loan from XXXX XXXX- and pretended they couldnt process my admin papers or talk direct with me while purposely going behind my back to foreclose on my dead moms house. 

Shellpoint acquired the mortgage loan XXXX just days before I got the reconstruction check sorted with XXXX XXXX fix the home that burned my mom to death. 

Although I was assured Id only wait 10 days, It took Shellpoint 30 days to process my admin papers and another 60 days to process the insurance check. 


In the meantime, while they were pretending they didnt know who I was and didnt have the documents to begin construction, their debt dept was foreclosing on the house XXXX XXXX 

With foreclosure documents they didnt even send to the correct address and that I never received notice or a bill for Only by the grace XXXX XXXX XXXX I even find out. 

And only after charging me an additional {$5000.00} over the $ XXXX we owned them in lawyer fees and for landscraping they had already completed just XXXX days earlier did they remove the foreclosure and I saved moms house. 

Oh and when I asked them for a description of their landscaping jobs they refused to give it to me but oh well. 

Shellpoint also had independent contractors break original, vintage, irreplaceable front French doors kicking in the doors to inspect and weatherize the home. 

Guessing the back door wasnt an option or maybe calling me to get the code to the lock box even though the lock box was on the doors they kicked in just wasnt an option either. I dont know. 

Now with the doors unable to lock - the home is now unsecured for XXXX months. But they insist their inspector was there to take photos and secure the home. Well, okay. 

Also, guessing the inspectors who felt the need to weatherize multiple times couldnt put my moms ashes back in the box, but XXXX sure she doesnt mind, if those are even her ashes anymore. 

And for a finale it seems they are giving out smidgins of $ XXXX out of $ XXXX in insurance payouts instead of allowing this process to move forward in a timely manner and planning on collecting mortgage for a home they wont allow anyone to live in.

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 2024-12-16 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: FL

Complaint narrative:
One Bank to address the issue : Subject : Urgent Request for Correction of Payment Reporting Dear XXXX XXXX XXXX  Customer Service Team, I am writing to bring to your attention an issue regarding the delayed reporting of my payment for my XXXX XXXX Bank credit card account. My payment of {$200.00} was made on XX/XX/year> and XX/XX/year> ], but it has not been reported to the credit bureaus in a timely manner. 

As a result of this error, my credit score for TransUnion has dropped by XXXX, my XXXX by XXXX point my experian by XXXX points, which has had a significant negative impact on my financial stability and livelihood. Accurate credit reporting is critical for maintaining my financial health, and I kindly request your immediate attention to this matter. 

To assist with resolving this issue, I have attached the following documents : Proof of payment ( e.g., bank statement or payment confirmation ).

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
One Bank to address the issue : Subject : Urgent Request for Correction of Payment Reporting Dear XXXX XXXX XXXX  Customer Service Team, I am writing to bring to your attention an issue regarding the delayed reporting of my payment for my XXXX XXXX XXXX  credit card account. My payment of {$200.00} was made on XX/XX/year> and XX/XX/year> ], but it has not been reported to the credit bureaus in a timely manner. 

As a result of this error, my credit score for XXXX has dropped by XXXX, my equifax by XXXX point my experian by XXXX points, which has had a significant negative impact on my financial stability and livelihood. Accurate credit reporting is critical for maintaining my financial health, and I kindly request your immediate attention to this matter. 

To assist with resolving this issue, I have attached the following documents : Proof of payment ( e.g., bank statement or payment confirmation ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
One Bank to address the issue : Subject : Urgent Request for Correction of Payment Reporting Dear XXXX XXXX XXXX  Customer Service Team, I am writing to bring to your attention an issue regarding the delayed reporting of my payment for my XXXX XXXX XXXX  credit card account. My payment of {$200.00} was made on XX/XX/year> and XX/XX/year> ], but it has not been reported to the credit bureaus in a timely manner. 

As a result of this error, my XXXX XXXX for XXXX has dropped by XXXX, my XXXX by XXXX point my experian by XXXX points, which has had a significant negative impact on my financial stability and livelihood. Accurate credit reporting is critical for maintaining my financial health, and I kindly request your immediate attention to this matter. 

To assist with resolving this issue, I have attached the following documents : Proof of payment ( e.g., bank statement or payment confirmation ).

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 2024-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Financial Asset Management, Inc.
State: UT

Complaint narrative:
I took a loan out personally under my name and put my car as collateral, I made payments online and set up re occurring payment plan of XXXX $ each pay period I paid the loan off as asked I went in multiple time to pay with cash and missed XXXX payment of XXXX $ check city never sent Information in saying the time Ive payed with cash wich put my loan in default and sent to collections where I was told to pay the remaining amount of the loan wich was XXXX $ and started paying them when my title for my car I asked for a copy they did not comply in sending one I missed one payment with collections which ended up in me owing XXXX $ and no title until the amount has been paid? No negotiation or payment plans could be made and I have no title to my car?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation