vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
RE : XXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts { LIST ACCOUNTS HERE } pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On Saturday, XX/XX/XXXX I applied for a credit card and was immediately declined despite having a near-perfect credit score. I checked my XXXX credit report and didn't see anything amiss. I then checked XXXX without any problems. When I tried to check my Equifax report I received an error XXXX  and was told to call customer service. I called immediately and after a grueling validation process was able to speak to an agent. After going back and forth for XXXX minutes, I was told I needed to send a letter to Equifax with a copy of my actual social security number and driver 's license to a XXXX XXXX XXXX XXXX. Upon receipt, I was told they would take action within XXXX business days to process my request. This letter was sent on Monday, XX/XX/XXXX via registered USPS and received at Equifax on Thursday XX/XX/XXXX. I tried calling Equifax again on XX/XX/year> and was told there was no record of my letter, no way to escalate my concern and that the escalation division actually has 30 days to respond after receiving the letter. I asked if there was a way to provide proof to track the letter down, since it has a physical copy of my social security card and driver 's license, and was told there was nothing they can do. This has been one of the most frustrating experiences in memory, any help you can provide is very appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-06 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: NY

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 2024-12-06 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-09 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:
My account with TRANSUNION 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. 


TRANSUNION 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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, which you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I recently obtained a copy of my report and I see their are multiple violations and inaccuracies.. 

XXXX XXXX XXXX. Inaccurate open date 2. Inaccurate account status 3. Inaccurate pass due amount 4. Inaccurate last report date 5. Inaccurate date last active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
In early XXXX, I contacted XXXX to enroll in a hardship program after losing my job. I wanted to be proactive and enter the program before becoming 30 days past due. I was informed that I would be enrolled in a program with a monthly payment of {$410.00}. However, I never received a confirmation letter. 

I called back within a week to report this issue and made the agreed-upon payment despite not receiving the letter. The new agent I spoke with confirmed that I was supposed to be enrolled but noted that the previous agent had failed to send the necessary email to the back-end team. She apologized, consulted her supervisor, and enrolled me in what she described as a better program, ensuring me that nothing would be delinquent. 

Despite these assurances, I received a notification today that my account is 30 days past due on my credit report. This is unacceptable, as my account should never have been reported delinquent due to XXXXXXXX XXXX errors. I called XXXX and spoke to four different representatives, but none were helpful. My account needs to be corrected and re-aged immediately, as this issue is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: TX

Complaint narrative:
To : Discover CARD XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
CFPB Enclosed please find copies of my credit report on my Discover account Accounts. As you can see you charged them off twice on each account in XXXX and XXXX. 
You did not send me a 1099-c on either of these, but you filed with IRS as a write off-I believe that is fraud. I have investigated these and hereby demand you delete the necessary incorrections and clear the mistakes on my credit reports with all 3 bureaus.

Im also sending this information to all 3 Credit Bureaus and other entities to clear my negative reports-You have caused my credit report to drop from XXXX to XXXX scores. At one time my score was XXXX. 
As I told you when XXXX hit in XXXX, I went broke-I have been in XXXX XXXX XXXX leasing office and retail space for 46 years. No one was leasing space for 2 years and I had no income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: LA

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. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: TX

Complaint narrative:
To : Discover CARD XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
CFPB Enclosed please find copies of my credit report on my Discover account Accounts. As you can see you charged them off twice on each account in XXXX and XXXX. 
You did not send me a 1099-c on either of these, but you filed with IRS as a write off-I believe that is fraud. I have investigated these and hereby demand you delete the necessary incorrections and clear the mistakes on my credit reports with all 3 bureaus.

Im also sending this information to all 3 Credit Bureaus and other entities to clear my negative reports-You have caused my credit report to drop from XXXX to XXXX scores. At one time my score was XXXX. 
As I told you when XXXX hit in XXXX, I went broke-I have been in XXXX XXXX XXXX leasing office and retail space for 46 years. No one was leasing space for XXXX  years and I had no income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AVE. # XXXX XXXX TEXAS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX auto frauded a car amount, tags, registration, invalid license & loan terms to Chase Auto Finance Bank. The loan was accepted by Chase XXXX before i ever came into financeIt was stacked with fraudulent fees for pre-delivery of {$1300.00}, even through I picked the car off the lot, tags registration & license {$1500.00} even though I had a Georgia license. Price was {$32000.00} & Chase XXXX said {$34000.00}. I traded my car for {$12000.00} & {$10000.00} debit because the fraud was in play because I could have stopped a check. The car was {$32000.00} {$22000.00} equals {$10000.00}. Waited in the waiting room XXXX hours because finance says I got a great XXXX rate. He then tells me I owe {$20000.00}. I said how then give me my car back. XXXX XXXX at XXXX said your cars gone. Police said it was civil and signed. I didnt agree to no esign. Ive contacted every organization. Chase blocked me online for the past 3 years and the price doesnt go down. Finally I paid XXXX paiyments of {$340.00} and only went down {$1000.00}. Ive paid {$35000.00} on a {$32000.00} car. And I have complain to Florida XXXX, Florida regulations, Federal trade commission XXXX & Attorney Generals. I am stranded and my purse clothes computer were in the car. The tow dragged the car down a small hill backwards and it probably has damage. Ive been fighting for 3 years. No form of government has helped. XXXX crying stranded homeless sad & defrauded. Chase sees the letters from their attorney bond company and Florida XXXX XXXX violation of Florida XXXX XXXX and did nothing but repossess after knowing Ive paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have the power of attorney for my dad and I am on his banking accounts and pay his bills. He received a bill for his property taxes, which I paid on XX/XX/year> thinking I was using his credit card. I received a charge on my XXXX XXXX XXXX XXXX for {$3800.00}. ( credit card ending in XXXX ) When I called the card company to ask what this charge was for, they said it was for utilities to XXXX XXXX. When I told them I do not pay my utilities to XXXX XXXX they created a dispute and provided me with a credit, closed the account and issued me a new card. On XX/XX/XXXX my Dad received a noticed from the XXXX XXXX XXXX 's office stating his payment was denied because of a credit card dispute. When we saw the amount we realized this was the amount on my credit card. It wasn't for utilities like the credit card company told me, but it was for property taxes. I called XXXX XXXX and told them what had happened and they said they were going to charge my new card for this amount. I told them we had already paid the treasurer 's office with my dad 's card and they said they had to charge my new card ( ending in XXXX ) anyway and I would have to take it up with the company who receives double payment. I told them to cancel my new card then because they do not have my permission to send this payment. In XXXX I got my statement and they charged me anyway. I have contacted the XXXX XXXX XXXX 's department and they never received this second payment. They checked with their billing company " XXXX '' and they said they returned the payment to the credit card company. I contacted the credit card company and they said they never received it. Not only I have I incurred a substantial amount in fees, but now XXXX XXXX is trying to collect {$3800.00} from me when there is no agency that has this money. This is the timeline received from the Treasurer 's Office : We have of the payments and the debit to the parcel : The original payment was made : XX/XX/year> {$3800.00} ( includes {$91.00} fee ) XX/XX/year> -Dispute received by XXXX XX/XX/year> or XX/XX/year> funds returned to issuing bank The second payment was made : XX/XX/year> {$4000.00} ( includes {$94.00} fee ) This is XXXX 's response : The customer 's bank has the funds so the customer will need to make arrangements with their bank to get their funds returned to 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 monetary relief
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
I have been disputing an account due to fraud and identity theft for XXXX months. I have opened a dispute with Experian multiple times and reached out to the creditor for proof or validation of the account. XXXX, the account, said they had misinformation in order to open the account, They had the wrong email, phone number, and social security number listed for me, and for those reasons alone, the account should have been blocked and deleted from my credit report. Experian said I hadn't submitted enough information to substantiate the claim, even after I submitted ALL the requested information.

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 2024-12-06 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: NV

Complaint narrative:
I don't recognize these addresses on my credit report please remove asap thank you! 

XXXX XXXX XXXX XXXX XXXX, PA 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