vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: SC

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX 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!

Update 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have 2 addresses on my account that I have never lived. Both Washington

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 2024-12-24 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am XXXX XXXX, filing a complaint about a collection attempt against me for {$4100.00} from Midland Credit Management for XXXX XXXXXXXX XXXX  Account for XXXX Account *I have never applied any credit card or credit application to XXXX or used XXXX in my lifetime. 

XXXX I read my credit report recently, I saw a late payment past due of XXXX, XXXX, XXXX days ++ According to that, I called XXXXXXXX XXXX XXXX and they asked about my life history, then they forwarded it to XXXX customers service and, after a long hold, the XXXX representative hung up the phone on me. And after a short period, I got the collection letter from Midland Credit Management. Then I contacted the MCM, and they asked me for a police report on this matter and from the local police department. 

I went to my local police precinct many times and asked for an Identity theft report. 

Finally, the XXXX XXXX asked me for a detailed account statement from the XXXX and XXXX XXXX and XXXX with details of the account. The police will not give any letter without details of an account for a collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
Investigated on my credit report and found items on there to be inaccurate disputed numerous time for accuracy of report and inaccurate or unverifiable information which violates laws under the 15 US code 1681e b and 1681 ( 5 ) and asked to remove or delete the following items XXXX  XXXX 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 2024-12-24 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: PA

Complaint narrative:
Investigated on my credit report and found items on there to be inaccurate disputed numerous time for accuracy of report and inaccurate or unverifiable information which violates laws under the 15 US code 1681e b and 1681 ( 5 ) and asked to remove or delete the following items XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 


Please delete the following accounts : XXXX XXXX  Account XXXX, Amount {$920.00} XXXX  XXXX XXXX, Account XXXX, Amount {$550.00} XXXX XXXX XXXX, Account XXXX, {$1700.00} XXXX XXXX, {$1800.00}

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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
They charged extra ordinarily high fees prior to fixing my credit and no changes were made. These fees were paid upfront and they were not supposed to. I was a member from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/year> signed up for Capital One " Walmart Card '' offering 5 % Reward for online purchases, and for in-store purchases for 12 months Attempts to use Walmart Pay app to pay for purchase at local Walmart failed Customer service said " credit card was declined '' Called Capital One who said they had terminated arrangement with Walmart Asked about reward using replacement " XXXX '' card & told 1.5 % reward max.

Spoke with Walmart, who said " sorry, nothing we can/will do '' Walmart suggested One Financial card with ( much ) lower reward % rate I feel that I've been subjected to a bait-and-switch re original CC offer by Capital One ( and co-marketed by Walmart at that time )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-12-24 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-24 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: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report Number : XXXX attached ).

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 2024-12-24 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: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report Number : XXXX attached ).

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 2024-12-24 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:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: MA

Complaint narrative:
the company was lexington law group was suppose to help me with credit score to bring it up, unfortunately they did'nt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Subject : Formal Complaint Against Bureaus for Violations of the Fair Credit Reporting Act ( FCRA ) and Other Federal and State Laws Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : * -- XXXX Dear CFPB, I am filing a formal complaint against Bureaus for multiple violations of federal and state laws regarding the handling of my credit report. Despite my repeated efforts to dispute fraudulent and inaccurate accounts on my credit file, Bureaus has failed to comply with legal requirements under the Fair Credit Reporting Act ( FCRA ) and other regulations. Below is a detailed account of the violations and demands for corrective action : Violations : Failure to Notify of Debt Validation ( 15 U.S.C. 1692g ) : Creditors and Bureaus failed to provide written validation of debts within five days of reporting accounts, violating debt collection laws.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Bureaus did not maintain maximum accuracy in reporting. Discrepancies in balances, dates, and account statuses persist.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Bureaus failed to investigate disputes within 30 days, violating legal timelines.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Despite multiple disputes, Bureaus did not conduct proper reinvestigations as required by law.

Failure to Protect Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) : Bureaus failed to safeguard my personal information, allowing identity theft.

Identity Theft Protections Ignored ( 18 U.S.C. 1028 ) : Bureaus failed to address fraudulent accounts despite identity theft protections under federal law.

Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) : Bureaus did not implement fraud alerts or offer support for victims as mandated.

State Law Violations : Identity theft protections under Florida Statutes and Connecticut General Statutes 53a-129a to 53a-129d were ignored, violating state laws. 

Fraudulent Accounts : XXXX : Account Number XXXX XXXX : Account Number XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, '' must be removed immediately XXXX 

Demands : Immediate removal and blocking these accounts Written confirmation of account removals and an updated credit report. 

Implementation of fraud alerts and compliance with identity theft protections. 

Detailed investigation findings in writing. 

If these issues are not resolved within 15 days, I request CFPB intervention to enforce compliance. I reserve the right to pursue legal action under FCRA and related laws.

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 2024-12-24 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: FL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer :

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 2024-12-24 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:
This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX account that TransUnion has inaccurately deemed accurate. Despite this claim, the company furnishing the information has failed to provide proper certification of the debt. While they have provided a copy of an agreement, they have not certified that they possess or can produce the original document for my review or for review by a judge in court. As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. 
Please be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, TransUnion assumes liability for these actions.

You are hereby given 30 days to cure this default and delete the inaccurate reporting. Failure to do so will leave me no choice but to pursue legal remedies, including but not limited to claims for : Violation of the Fair Credit Reporting Act ( FCRA ) Defamation of Character Violation of U.S. Code Title 18, Part 1, Chapter 63, Section 1341 ( Mail Fraud ) PLEASE SEE ATTACHED NOTICES

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 2024-12-24 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:
As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-Uverbal, per 15 USC 6802. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-verbal, per 25 USC6802, 15 usc 6803.

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