vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
After reviewing my report, there are several deviations from mandatory reportingstandards therefore the data in my report can not be accurate and complete! Withthat said, I refute your allegations and challenge you to provide proof that you havethe right to report this incomplete negative information about me. Document thatyou have complied with the reporting requirements, and report without anydeviations. If you have not complied with the requirements or there are any negativeaspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumerreport it shall follow reasonable procedures to assure maximum possible accuracy ofthe information concerning the individual about whom the report relates. Accordingto 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish informationconcerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C-Conduct reasonable investigations of consumer disputes According to CRRG, inorder to make a lawful report, you must follow the Metro 2 compliance standards. I HAVE AN ACCOUNT ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANY. Please delete the following unknown account : 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 2024-12-05 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: OH

Complaint narrative:
After reviewing my report, there are several deviations from mandatory reportingstandards therefore the data in my report can not be accurate and complete! Withthat said, I refute your allegations and challenge you to provide proof that you havethe right to report this incomplete negative information about me. Document thatyou have complied with the reporting requirements, and report without anydeviations. If you have not complied with the requirements or there are any negativeaspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumerreport it shall follow reasonable procedures to assure maximum possible accuracy ofthe information concerning the individual about whom the report relates. Accordingto 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish informationconcerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C-Conduct reasonable investigations of consumer disputes According to CRRG, inorder to make a lawful report, you must follow the Metro 2 compliance standards. I HAVE AN ACCOUNT ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANY. Please delete the following unknown account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report as I am a victim of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my rights to protect my credit from further misuse by having this compromised information removed. 
Below are the accounts I am requesting to 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 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 2024-12-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am applying for a mortgage loan and my credit report was pulled on XX/XX/year>. Today, on XX/XX/year> my lender informed that Mohela is reporting that I have DOUBLE the amount of loans that I actually have. This has made my debt appear double what it actually is, which can seriously harm my chances of qualifying for a mortgage. I have disputed this with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello, I am writing to report an issue with an unauthorized transaction involving my Nordstrom credit card. On XX/XX/year>, a payment of {$680.00} was pulled from my bank account without my authorization to pay my full statement on my Nordstrom credit card. This transaction has caused me significant stress and financial hardship. 
I contacted Nordstrom credit services and the told me some one authorized this payment on XX/XX/year> and I told them no one has my SSN to authorize it and its a fraud and requested a refund but the lady on the phone said she is not able to reverse the payment and Im better follow up through my bank. I filed a dispute through my bank but this is a problem from Nordstrom system and I lost all of my liquidity in my checking account because of their system failure. 

This unauthorized payment disrupted my finances and left me struggling to cover necessary expenses. 

Please resolve this. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
This letter serves as a formal request for reinvestigation and permanent removal of inaccurate information appearing on my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

This is regarding my previously disputed accounts, which remain inaccurately reported despite my previous dispute filed : XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  ( account number XXXX XXXX XXXX XXXX ( account number XXXX ) I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX regarding this persistent issue, yet it remains unresolved. 

Furthermore, I filed an FTC Identity Theft Report ( Report Number : XXXX ) on detailing how these accounts are fraudulent and a result of identity theft. Despite this, the credit bureau continues to list these accounts as " verified '' without providing any supporting documentation of verification, as required by FCRA 1681i ( 7 ).

Failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). I have acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and the urgency for prompt resolution.

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 2024-12-05 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-05 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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 am writing to formally dispute the reporting of late payments for the XXXX XXXX  account ( Account XXXX ) reflected on my XXXX consumer report. Specifically, the reported 60-day late payment for XX/XX/year> and the 90-day late payment for XX/XX/year>. After reviewing the account details and consulting the Metro 2 reporting standards outlined by the XXXX XXXX XXXX XXXX ( XXXX ) in the XXXX XXXX XXXX XXXX ( XXXX ), I have identified several inaccuracies and non-compliance issues. 

Discrepancies and Non-Compliance Identified 1.Metro 2 Field 17b - Payment Rating for 60 Days Past Due ( Code 2 ) The reported 60-day late payment for XX/XX/year> does not meet the requirements set forth in the Metro 2 standards. No evidence has been provided to confirm that proper notices were sent to me, including any required disclosures or billing statements before this payment was marked as delinquent. 

2.Metro 2 Field 17b - Payment Rating for 90 Days Past Due ( Code 3 ) The reported 90-day late payment for XX/XX/year> similarly lacks supporting documentation and compliance with Metro 2 standards. XXXX 's failure to ensure accurate reporting violates both Metro 2 requirements and the FCRAs mandate for maximum possible accuracy ( 15 U.S.C. 1681e ( b ). 

3.Failure to Adhere to Metro 2 Reporting Standards and CRRG .Per the CDIAs guidelines, all data must align with the standardized formats to ensure accuracy and consistency. The inconsistencies in the reported balance, credit limit usage ( exceeding 100 % ), and delinquency status suggest incomplete or improperly validated data from the data furnisher ( XXXX XXXX XXXX 

.The absence of timely notifications regarding past-due amounts further highlights non-compliance. 

4.Potential Misclassification The account was closed, and the outstanding balance of {$2200.00} significantly exceeds the credit limit of {$950.00}, which is an additional reporting error that impacts my credit utilization ratio inaccurately.

Request for Immediate Action In light of the identified discrepancies and non-compliance with Metro 2 standards, I respectfully request the following : .The immediate removal of the 60-day and 90-day late payment ratings from my XXXX consumer report. 

.A full investigation into the accuracy of the data being reported for this account. 

.Written confirmation of the corrections or a detailed explanation substantiating the reporting, including documented proof of compliance with Metro 2 standards and federal regulations

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 2024-12-05 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: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio is reporting this account on my credit report to XXXX and XXXX XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX Fcra 605 c running of the period states that companies are not allowed to re-age the date of last activity on the account in order to keep the account reporting Further there is only one furnisher yet the information is reporting vastly different This is an inconsistent reporting the fcra requires maximum possible accurxcy Because this account is listed as a a charge off they must adhere to fcra guidelines I haven't sent several letters to both the credit bureaus and portfolio directly All proof is attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
XXXX XXXX  Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay but a notice to request validation.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe. Be advised that I am not requesting a verification ; I am requesting a validation ; that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address On File of Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax, I am writing to formally dispute the inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : 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 XXXXXXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity.

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law.

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
My credit report contains hard inquiries I didnt approve. To comply with 15 USC 1681c-2, I ask that these inaccuracies be promptly deleted.

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 2024-12-05 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: OH

Complaint narrative:
My credit report with equifax is showing old data from 5 months ago Every time a credit card company do a soft pull it shows the old credit report from 5 months ago But inside the equifax credit website it shows it is up to date I called equifax and they said they fixed it but it's not reporting correctly to credit card company 's whow tried to do a soft pull

Company response to consumer: Closed with explanation