vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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 am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX Account Number : XXXX High Balance : {$420.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : TRANSUNION : XXXX XXXX XXXXXX/XX/year>

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 2024-11-19 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: PA

Complaint narrative:
My account with XXXX XXXX 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 in XXXX, XXXX, XXXX, AND XXXX to be removed. 

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. 

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is once again failing to investigate by intentionally putting letters requesting for information they already have. This current letter is asking for address validation when the information has already been sent on multiple occasions as verified mail. This information was also confirmed to have been received on the last call that was made. This goes along with Transunions lack of care and negligence when its come to running disputes within my file they arent even confirming information thats already been sent to them and theyve recently removed files that have always been fraudulent and they had reported as accurate.

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 2024-11-18 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: IL

Complaint narrative:
I am writing to formally request the deletion of an unverifiable account from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) complaint # : XXXX regarding an account reported by XXXX. 

In my complaint, I indicated that I was unaware of this debt and was not given an opportunity to dispute it, nor did I receive proper notification. XXXX responded, stating that they could not locate the account in their system, despite me providing all the account details from my credit report. 

As per the FCRA, if a creditor can not verify an account, it must be removed from the consumer 's credit report. However, as of XX/XX/year>, when I obtained a new credit report from XXXX, the account remains listed on 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 non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED
State: IL

Complaint narrative:
I am writing to file a follow-up complaint regarding a previously submitted case on XX/XX/XXXX  ( complaint # XXXX ), concerning an account reported by NCS on my credit report. 

In my initial complaint, I stated that I was unaware of this debt, did not have the opportunity to dispute it, and did not receive proper notification. XXXX responded, claiming that they could not locate the account in their system, even though I provided all the account details as listed on my credit report. 

According to the law, if a creditor can not verify an account, it must be removed from the consumer 's credit report. However, as of XX/XX/, when I ordered a credit report from XXXX, this account is still showing on my credit report. 

I respectfully request that this matter be reviewed again and that XXXX or the credit reporting agencies be directed to delete this unverifiable account from my credit report immediately. Retaining unverifiable information on a credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. Please feel free to contact me for any additional information or documentation needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: INTEGRAL RECOVERIES, INC.
State: CO

Complaint narrative:
On XX/XX/2024 at XXXX AM I recieved a return call from a debt collector. I called a few weeks prior leaving a message with a number where I could be reached in order to set up a payment plan on an outstanding balance I owed. 

I would like to formally express my concern regarding the manner in which XXXX XXXX, a debt collector with Integral Recoveries, I recently communicated with, handled our discussion about the outstanding debt I owe. I felt unduly pressured into agreeing to a monthly payment amount that exceeded my financial capacity. During our conversation, XXXX XXXX informed me that, regardless of any payment arrangement, my wages would be subject to garnishment. 

I made it clear to him that I did not appreciate the way he conveyed information regarding my debt and the potential legal actions that could be taken during our negotiation process. Once I stated that I was aware of my rights and had done my due diligence, his tone shifted, and he began to behave in a more reasonable manner. 

At one point, XXXX XXXX suggested that I increase my monthly payment by an additional {$20.00}, on top of the {$100.00} I had already agreed to, in order to avoid wage garnishment. I repeatedly emphasized that {$100.00} was the maximum I could afford. He ultimately assured me that, as long as I did not miss any payments, wage garnishment would not be pursued. 

Overall, the interaction left me feeling distressed and uncomfortable. I would not want anyone else to experience a similar situation. Fortunately, I was able to reach a resolution with the payment plan, but the underlying issue remains : the unethical and misleading approach taken by the debt collector was both egregious and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Pertaining to complaint number XXXX, on XXXX XXXX, XXXX  the CFPB notified me via email, informing me as to the status of my complaint. Which was fowarded to Capital One on XXXX XXXX XXXX As of today, XXXX XXXXXXXX XXXX my FTC Report, Idetity theft Police Report and Proof of identifacation documents have been in there position. See PDF " CFPB Email. '' On XXXX XXXX, XXXX  at XXXX XXXX  XXXX Received My dispute documents via certified mail number : XXXX XXXX XXXX XXXX XXXX, FTC Report, Identity Theft Report, Dispute letter and Proof of identification ( New York State Drivers License ). As of today XXXX XXXX, XXXX, XXXX has been in possesion of the above documnets for a total of five days. See XXXX  " XXXX. " Mail Cert Recp ''. 

On XXXX XXXX, XXXX  I received an email from XXXX stating, they forwared my documents to the creditor because I needed to submit more documents to verify my identity. See XXXX  " XXXX Email '' Today, XXXX XXXX, XXXX, I held an hour and thirty minute phone call with XXXX ( call case no. : XXXX ) My request was for the status of my dispute. I asked a fraud department supervisor to explain the reason as to why the Cap One account was not blocked from my credit report. The supervisors response was, " we have to wait to here from the creditor ''. I explaint to the supevisor that the law superceeds there company policy, and that the law states your company ( experian ) has four business days to block the account upon receiving the proper documents from me. Which are : 1. Proof of identity, 2. Identity theft report and 3. Evidence of fraud ( statement affidavits, or documenst of unauthorized accounts ). See 15 U.S.C 1681g ( e ), Four day to block account
. 

I further explained that all the required documents were submitted and to time to block the account has elapsted. Further more, the time for blocking the account has absolutly nothing to do with the time frame for investigating the account. His response was, " feel free to file your complaint with CFPB ''. 

See Current Experian Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
I was absolutely shocked to discover inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my credit report regularly, and this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was a temporary glitch, but the errors remained. I urgently need the documents I provided to be carefully reviewed so I can stop worrying about this ever happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
these accounts are not mine they are authorized users and i don't know who put them and they are harming my report i tried to contact XXXX but i don't know the whole number to access them to know who owns them i want them removed 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 2024-11-19 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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After stating this account was not fraud and was at FCRA standard Transunion was asked to validate this account with a purchase agreement and a signed cardholder agreement. Neither of these items were presented. Instead XXXX sent an empty cardholder agreement with no signature and no proof of debt validation. This has been a recurring issue at Transunion as they have already been flagged for reporting inaccurate and fraud accounts without any FCRA verification. This account was flagged as fraud and overlooked just as the others have been.

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 2024-11-18 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: CO

Complaint narrative:
XX/XX/XXXX Keybank froze my checking account and removed my online access. A call to them resulted in being told bring my ID to the branch to unlock the account. I did so. The teller said they would need to hold funds from checking only for 10 days, but I would still have access to 4 other accounts I have there. I attempted to make a withdrawal from savings and was told they would not have enough cash in house until XX/XX/XXXX at XXXX to cover that withdrawal and I could come pickup cash then. Upon realizing they had just told me to come on a federal holiday, I demanded the withdrawal immediate. They said they could try to come up {$10000.00} the next day and made an appointment. A couple hours later the branch manager called to say they won't have any funds available tomorrow and perhaps I could check in the following day. I thought these accounts were protected by the FDIC? Did Keybank run out of money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
Requested verification from XXXX, Transunion and XXXX. But I have yet to receive verification of the accounts.

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 2024-11-18 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:
Requested verification from Equifax, XXXX and XXXX. But I have yet to receive verification of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
Requested verification from XXXX, XXXX and Experian. But I have yet to receive verification of the accounts.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in 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 explanation
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm a victim of identity theft whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquires and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with non-monetary relief