vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX I acquired a {$10000.00} loan from Upstart. Payments of {$250.00}, ( but I paid {$250.00} ), began In XX/XX/XXXX and to date all payments have been on time within two or three day variance based on my Social Security benefit payments for the XXXX Wednesday of the month. Initially my payments were sent to Upstart Network Inc, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. Sometime later without notice they changed their payee name to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and payments were sent to the new address. They claimed that in XXXX I missed two payments but my banks disagree As I do with all my crediitors, I will occasionally pay extra during the month. I disputed the late payments, they refused to acknowledge that there accounting system is flawed. I have continued to make payments and continue to dispute their claim. This company has single handedly ruined my credit. If you or anyone will see my credit report and know that I have never missed or been late to anyone. This company will not use my extra payments to get to erase their imaginary debt and have told me that it is their perogative to assign where payments go. This generated debt is always somewhere between $ XXXX. After my last complaint, the company claims that they can not respond to me because they don't recognize my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries 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 2024-09-18 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: TX

Complaint narrative:
These inquiries were placed on my credit report when in fact, I have never allowed any of these companies to pull these inquiries. It is seriously affecting my credit scores and thus affecting my life as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
In 2022 a person by the name of XXXX XXXX used my social security number without my knowledge in order to get XXXX XXXX to open an account at XXXX XXXX XXXX XXXX TX. She did not pay her bill and owes {$380.00} according to Waypoint Resource Group debt collection services. After verifying that the account is indeed fraudulent with XXXX XXXX and Waypoint Resource Group, XXXX has refused to remove the address of this person and has refused to remove the debt. I have submitted police reports from XXXX XXXX here in Texas which are available via public record. I have submitted the Consumer Financial Protection Bureau case with Waypoint Resource Group. I also submitted an email via Waypoint Resource Group confirming that this is indeed fraud and should be removed from my account. XXXX has replied that my police report doesn't look valid even though it has come directly from the XXXX XXXX Sherriff 's department and will not acknowledge that Waypoint Resource Group has stated that the debt is fraudulent and not mine. I have spoken with numerous people from the fraud department to remove the debt and after following all of the requested protocol, the debt and fraudulent address. I have done everything that has been asked of me and have more than proven my residence and identity. I need the fraudulent debt to be removed as I have requested, Waypoint Resource Group has requested, and XXXX XXXX has requested. Thank you!

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute an outdated charge-off entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), charge-offs can only remain on credit reports for a maximum of XXXX years from the date of the first delinquency. The charge-off from on my credit report is past this seven-year period. I request that this charge-off be removed from my credit report as it is no longer valid under FCRA guidelines XXXX Please investigate this matter and update my report accordingly. I also request written confirmation once the entry is removed. I have recently become aware that I have been a victim of a data breach, which has impacted my credit report. Additionally, I have been living in XXXX for the past XXXX years, where I maintained an excellent credit standing. Due to the data breach, I have been receiving alerts about my compromised Social Security Number ( SSN ) on the dark web. As a result, I am strongly considering changing my SSN to protect my identity. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Company : Experian My credit keeps getting frozen by Experian and I am unable to reach a person to inquire as to what is going on. I am unable to access my credit report because I can not sign in to my account. 

I am unable to access my account because all resets are sent to an e-mail I no longer have access to ( XXXX ). 

I try calling and only get the automated system which eventual kicks me off. When I call other numbers a human transfers me and I eventually get disconnected. I have maintained my composure, but this is very frustrating and unfair to the consumer. 

It is a continual loop trying to get help with zero success.

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 2024-09-18 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: UT

Complaint narrative:
I would like to request the removal of the late payments that have been inaccurately reported on my credit history or without proper validation, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Specifically, I am seeking the following : 1. **Correction or removal of the late payments : ** - I request the immediate removal of the late payments reported on the following accounts : - XXXX  - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - Last Payment Date : XX/XX/XXXX - XXXX XXXX XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - These accounts reflect late payments that I believe to be inaccurate or improperly validated. According to **15 U.S.C . 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer and the creditor. Since the payment history and late payments are considered part of these transactions, they negatively impact my credit report and should not have been included without proper verification.

2. **Verification of Billing Procedures ( 15 U.S.C. 1666 ( b ) ) : ** - I am requesting that you provide me with, in writing, the reasonable procedures you have adopted, according to **15 U.S.C . 1666 ( b ) **, to ensure that each periodic statement was mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all information required by section 1637 ( b ) of Title 15.

3. **Written confirmation : ** - I ask that I be notified in writing once the late payments have been removed from my credit history, and that I be provided with an updated copy of my credit report.

4. **Prevention of future errors : ** - I request that measures be implemented to prevent future inaccuracies in my credit history. This includes verifying the accuracy of any information before it is sent to the credit bureaus.

5. **Response Period and Assumption of Non-Validation : ** - You have **30 days** from the date you receive this letter to provide me with the information I am requesting. If you do not provide this information in the allotted time given, it will be assumed that you can not verify the late payments on the dates specified above ( due to lacking reasonable procedures to ensure the accuracy of my account ). In this case, I would request that you **remove the late payments** from my account and consumer report with the following consumer reporting agencies : **XXXX, XXXX XXXX and TransUnion**, and update the accounts to positive.

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 2024-09-18 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: UT

Complaint narrative:
I would like to request the removal of the late payments that have been inaccurately reported on my credit history or without proper validation, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Specifically, I am seeking the following : 1. **Correction or removal of the late payments : ** - I request the immediate removal of the late payments reported on the following accounts : - XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - Last Payment Date : XX/XX/XXXX - XXXX XXXX XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - These accounts reflect late payments that I believe to be inaccurate or improperly validated. According to **15 U.S.C . 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer and the creditor. Since the payment history and late payments are considered part of these transactions, they negatively impact my credit report and should not have been included without proper verification.

2. **Verification of Billing Procedures ( 15 U.S.C. 1666 ( b ) ) : ** - I am requesting that you provide me with, in writing, the reasonable procedures you have adopted, according to **15 U.S.C . 1666 ( b ) **, to ensure that each periodic statement was mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all information required by section 1637 ( b ) of Title 15.

3. **Written confirmation : ** - I ask that I be notified in writing once the late payments have been removed from my credit history, and that I be provided with an updated copy of my credit report.

4. **Prevention of future errors : ** - I request that measures be implemented to prevent future inaccuracies in my credit history. This includes verifying the accuracy of any information before it is sent to the credit bureaus.

5. **Response Period and Assumption of Non-Validation : ** - You have **30 days** from the date you receive this letter to provide me with the information I am requesting. If you do not provide this information in the allotted time given, it will be assumed that you can not verify the late payments on the dates specified above ( due to lacking reasonable procedures to ensure the accuracy of my account ). In this case, I would request that you **remove the late payments** from my account and consumer report with the following consumer reporting agencies : **XXXX, XXXX XXXX and TransUnion**, and update the accounts to positive.

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 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I requested a debt verification from them and they did not send me the information I needed to be able to verify the correct information.Verification was requested XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IN

Complaint narrative:
The late payment entries are inconsistent with my usual payment pattern.

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 2024-09-19 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: AL

Complaint narrative:
REMOVE ALL LATE PAYMENTS FROM MY CONSUMER CREDIT REPORT WITHIN 7 DAYS 5 U.S. Code 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-09-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$3000.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know.

Thank you for your attention to this matter. I look forward to your prompt response. 

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 non-monetary relief
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$3000.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 

Please send the XXXX form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 



Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-09-18 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: FL

Complaint narrative:
i sent a letter to equifax let them know the errors in my personal information but they did not fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have in the past months attempted to reach out Experian in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.

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