vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate charge-off reported by XXXX XXXX XXXX XXXX XXXX  XXXX on my auto loan. The loan was opened in XXXX and closed in XXXX, and despite being on a XXXX plan, the bank is reporting a charge-off showing XXXX dollars paid in the past XXXX years. This is inaccurate and does not reflect the actual history of my loan or payment plan. 

The details of the issue are as follows : Inaccurate Charge-Off Reporting : The charge-off reported by XXXX Citizens indicates that I have paid XXXX dollars over the last XXXX years. However, I have been making consistent monthly payments as part of a XXXX plan, and this payment history is not being reflected correctly. This inaccurate reporting is causing significant damage to my credit report and score. 

Loan Status and Payment Plan : The loan was opened in XXXX and closed in XXXX. During this period, I was under a structured payment plan, and all payments were made in accordance with the agreement. Despite this, the loan is being incorrectly reported as a charge-off, and no payments appear to have been applied to the balance. This is not only misleading but also in direct conflict with the actual payment history. 

Failure to Report Accurate Information : I have made several attempts to resolve this issue with XXXX XXXX by [ briefly describe your attempts to dispute or resolve the issue, such as contacting customer service or submitting disputes to the credit bureaus ]. Unfortunately, my efforts to correct this information have been unsuccessful. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX corrects this inaccurate charge-off reporting on my credit report. I also request that they be held accountable for their failure to accurately report the loans status and payment history. 

Thank you for your time and attention to this matter. Please contact me if you need any further information or documentation to support my complaint.

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 2024-12-04 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate charge-off reported by XXXX XXXX XXXX XXXX XXXX  XXXX on my auto loan. The loan was opened in XXXX and closed in XXXX, and despite being on a XXXX plan, the bank is reporting a charge-off showing XXXX dollars paid in the past XXXX years. This is inaccurate and does not reflect the actual history of my loan or payment plan. 

The details of the issue are as follows : Inaccurate Charge-Off Reporting : The charge-off reported by XXXX Citizens indicates that I have paid XXXX dollars over the last XXXX years. However, I have been making consistent monthly payments as part of a XXXX plan, and this payment history is not being reflected correctly. This inaccurate reporting is causing significant damage to my credit report and score. 

Loan Status and Payment Plan : The loan was opened in XXXX and closed in XXXX. During this period, I was under a structured payment plan, and all payments were made in accordance with the agreement. Despite this, the loan is being incorrectly reported as a charge-off, and no payments appear to have been applied to the balance. This is not only misleading but also in direct conflict with the actual payment history. 

Failure to Report Accurate Information : I have made several attempts to resolve this issue with XXXX XXXX by [ briefly describe your attempts to dispute or resolve the issue, such as contacting customer service or submitting disputes to the credit bureaus ]. Unfortunately, my efforts to correct this information have been unsuccessful. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX corrects this inaccurate charge-off reporting on my credit report. I also request that they be held accountable for their failure to accurately report the loans status and payment history. 

Thank you for your time and attention to this matter. Please contact me if you need any further information or documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate charge-off reported by XXXX XXXX XXXX XXXX XXXX  XXXX on my auto loan. The loan was opened in XXXX and closed in XXXX, and despite being on a XXXX plan, the bank is reporting a charge-off showing XXXX dollars paid in the past XXXX years. This is inaccurate and does not reflect the actual history of my loan or payment plan. 

The details of the issue are as follows : Inaccurate Charge-Off Reporting : The charge-off reported by XXXX Citizens indicates that I have paid XXXX dollars over the last XXXX years. However, I have been making consistent monthly payments as part of a XXXX plan, and this payment history is not being reflected correctly. This inaccurate reporting is causing significant damage to my credit report and score. 

Loan Status and Payment Plan : The loan was opened in XXXX and closed in XXXX. During this period, I was under a structured payment plan, and all payments were made in accordance with the agreement. Despite this, the loan is being incorrectly reported as a charge-off, and no payments appear to have been applied to the balance. This is not only misleading but also in direct conflict with the actual payment history. 

Failure to Report Accurate Information : I have made several attempts to resolve this issue with XXXX XXXX by [ briefly describe your attempts to dispute or resolve the issue, such as contacting customer service or submitting disputes to the credit bureaus ]. Unfortunately, my efforts to correct this information have been unsuccessful. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX corrects this inaccurate charge-off reporting on my credit report. I also request that they be held accountable for their failure to accurately report the loans status and payment history. 

Thank you for your time and attention to this matter. Please contact me if you need any further information or documentation to support my complaint.

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 2024-12-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AZ

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2023

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 2024-12-04 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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-04 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: 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 XXXX  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 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! Delete 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 2024-12-04 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: 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 XXXX  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 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! Delete 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries that have been made on my ChexSystems consumer report. I have reviewed my report and found inquiries that I did not authorize or initiate. These unauthorized inquiries are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also pose a potential risk to my personal information and financial security. 

I demand that ChexSystems : 1. Conduct a thorough investigation into these unauthorized inquiries.

2. Remove all unauthorized inquiries from my consumer report.

3. Provide a written response detailing the actions taken to resolve this issue.

To assist with your investigation, I am providing the following details : ChexSystems Consumer Report : Please note that I have not provided consent to the entities listed above to access my consumer report, nor have I initiated any actions that would justify these inquiries. Therefore, these entries are inaccurate and must be removed immediately.

Under the FCRA, you are obligated to ensure that my consumer report is accurate and reflects only authorized inquiries. I expect your prompt attention to this matter and resolution within the legally mandated time frame of XXXX days. 

I also reserve the right to pursue further legal action if these inaccuracies are not addressed adequately and in a timely manner. 

Thank you for your immediate attention to this matter. I look forward to receiving a 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 2024-12-04 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent Experian a formal dispute regarding inaccuracies in my credit report. My letter, which was signed and dated, included a detailed outline of discrepancies in several accounts, referencing Fair Credit Reporting Act ( FCRA ) violations and Metro 2 compliance standards. To support my dispute, I provided : A signed and dated letter outlining the disputed items. 
A copy of my government-issued identification. 
A copy of my Social Security card. 
A recent utility bill reflecting my current address. 
The accounts I disputed contained inconsistencies in balances, statuses, and dates when compared to reports from other credit bureaus, raising concerns about the accuracy of Experian 's data. 

Experian 's Response On NovemberXX/XX/year>, Experian responded with a letter implying that I did not submit my own correspondence, despite my original submission containing all the required documents and my signature. This response disregarded the thorough documentation I provided and offered a dismissive explanation that failed to address the validity of my dispute or comply with the requirements outlined in the FCRA. 

This handling of my dispute is both unprofessional and non-compliant with federal guidelines, undermining my rights as a consumer and the integrity of the credit reporting process. I am attaching Experian 's response for reference

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are mistakes on my credit report related to unauthorized hard inquiries. In accordance with 15 USC 1681c-2, I request their immediate removal.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the late payment entries that appear on my credit report for the XXXX account listed under Account XXXX XXXXXXXX. The report indicates that late payments were made on this account, but I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Here are the details of the account in question : Furnisher : XXXX Account Number : XXXX Balance : {$0.00}

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 2024-12-04 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: MS

Complaint narrative:
I forgot to put my Social Security Card and personal identification ( Driver 's License ) with the first dispute.

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