vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Miscellaneous Finance Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : 80 Months Two-Year Payment History : XXXX late payment noted for XX/XX/XXXX ; XXXX late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported XXXX and XXXX late payments are erroneous. 
Inconsistent " XXXX XXXX '' and " Date of Last Activity '' compared to prior records. 
Requested Resolution : I request that TransUnion conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of 100 % on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
when your loan is more than XXXX days past due, company will call and harass you several times a day more than exceeding the XXXX times in a XXXX day window legally allowed according to FDCPA. I had already scheduled a payment at the time the payment was due in good faith so that the creditor knew I planned to make my payment and they still called me XXXX times a day every day including the weekends. This month, I had to be XXXX days late on making a payment and the representative on the line XXXX threatened that it would affect my credit and was trying to bully me to tell her exactly why I could not make the payment now. I informed her that due to FCRA, the payment can not be counted as late until after the XXXX day has elapsed. She then said it will affect my credit within their organization and was extremely rude about it. People should be aware that they do not follow FCRA. One Main should also know and provide training to employees that are ill informed of consumer protection laws as well as basic customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report maintained by XXXX, TransUnion, and XXXX. I have been affected by multiple data breaches, including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and most recently, another incident on XX/XX/XXXX. 

These breaches have significantly compromised my personal information, leading to fraudulent charges on my credit cards and unauthorized access to my bank account. Consequently, I have had to open a new bank account to mitigate the damage. Despite my efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, including items that I have disputed as fraudulent. 

Specifically, I am seeking guidance on how to rectify the inaccurate items on my credit report, as I believe that the data breaches are directly linked to these discrepancies. I am willing to provide proof of the fraudulent charges and the impact on my bank account if needed. 

It is crucial for me to have an accurate credit report, and I respectfully request your assistance in addressing these matters. Thank you for your attention to this pressing issue. I look forward to your guidance on how to resolve these inaccuracies. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-12-23 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:
I did request an investigation from these companies to remove/update the inaccuracy from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: OneMain Finance Corporation
State: TN

Complaint narrative:
On XX/XX/2024, XXXX XXXX Bank sent me a email saying that One Main Financial had showed up on my XXXX report like I was trying too get a loan so I got there number off the credit report and call them and told them that I was not trying to get a loan from One Main Financial and they need get this off my credit report and they hung up in my face and I drove XXXX miles to XXXX of there XXXX in XXXX XXXX and told them I was calling the Police if they didnt stop that Loan because it not me so they stop the loan and told me I had to get the inquiry off the credit report my self and the Police was not going to do anything because the loan didnt go through!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 non-monetary relief
Consumer complaint received 2024-12-23 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:
The following accounts are not mine, I suspect identity theft, these accounts only report on XXXX and Equifax and I would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
I found several errors on my Experian credit report that must be corrected immediately. My name is reported incorrectly with multiple variations, but the correct name is " XXXX XXXX XXXX XXXX XXXX. '' Additionally, my address is inaccurately listed as " XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX '' and " XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX '' when my correct address is " XXXX XXXX XXXXXXXX XXXX NJ XXXX . '' Lastly, my employer is incorrectly reported as " XXXX XXXX XXXX XXXX, '' but it should be " XXXX XXXX XXXX '' These errors violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), which mandates accurate information. I request these inaccuracies be corrected immediately and written confirmation once my report is 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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/year>XXXX XXXX  charged me {$14.00} for services they did not provide. 
After XXXX I failed to contact XXXXXXXX XXXX supervisor as they are a foreign company, I disputed the amount with Discover. Discover ruled in XXXXXXXX XXXX favor and charged me {$14.00} again on XX/XX/year>. However, XXXX contacted me on XX/XX/year>, apologized for the issue and refunded the {$14.00} to my Discover ending XXXX. I provided all the refund details and proof to Discover regarding the refund. However, Discover continues to harass me that proof is not enough and tells me to harassing XXXX for same proof over and again of which XXXX is also confused. Discover is asking me to ask XXXX to give me money in some other way. This is illegal and fraudulent. Discover either stole my refunded money or lost it. Please ask them to find my {$14.00} and credit it to my account appropriately. 

Refund Details : Please find details of the refund below : XXXX XXXX XXXX Refund Date - XXXX XX/XX/year> Refund amount- {$14.00} Transaction ID : XXXX Refund reference ID : XXXX All documents are attached. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
Subject : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking of any information resulting from identity theft or fraudulent activity.

Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$12000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3500.00} Fraudulent Inquiry : XXXX. XXXX XXXX XXXX Date of Inquiry : 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 2024-12-23 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: MO

Complaint narrative:
I am requesting help to address the issue of an incorrect account on my credit report. This situation has damaged my reputation as a customer, and I need your intervention. These accounts must be deleted because they are being reported inaccurately and unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
When i sign up for the delta gold credit card 2 years ago. There was never annual fee it's been like this since now. All of a sudden they charge me XXXX dollar annual fee. They said they have send me letter and email. I never received one and how can they charge that's much annual fee when there was non at the beginning. Furthermore if there is no regulations they can charge any amount without any consequences. It's unjustified charges and unnecessary. We want some answer.

I look forward for your reply.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2024-12-23 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: TX

Complaint narrative:
My accounts 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 to be removed/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 21 days before the payment due date. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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 2024-12-23 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: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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 21 days before the payment due date. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
I am requesting help to address the issue of an incorrect account on my credit report. This situation has damaged my reputation as a customer, and I need your intervention. These accounts must be deleted because they are being reported inaccurately and unfairly.

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