vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.

1 ) XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

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 2024-10-29 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: OH

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


XXXX XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company 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 2024-10-29 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: OH

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

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 2024-10-29 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: MI

Complaint narrative:
I do not know what this company is. I did not give them consent to have my information. This is fraud. This is illegal. 

Delete hard inquiry

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 2024-10-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I requested the account to be validated, and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX a fraudulent transaction occurred. An online payment # XXXX to a XXXX credit card in the amount of {$4300.00} was withdrawn from my checking account. I discovered this on XX/XX/XXXX and immediately call Chase Bank and submitted a claim. I was interviewed and told them this was not my transaction. I was told they would investigate. After not hearing anything for a week I called again. They credited my account. a week later the credit was reversed. I have called every week trying to get answers. I received a letter stating the transaction information was authorized.Finally on XX/XX/XXXX I was able to connect with a supervisor named XXXX. He looked at the claim and stated that there were some red flags and would look into it. He stated that I should receive the credit, but it might take 35 days. Today I received another letter dated XX/XX/XXXX that no adjustment will be made at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
Sent eqifax closing letter from original collection company Had collections removed from XXXX and XXXX some reason eqifax keeps reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My mortgage loan belong to XXXX XXXX in XXXX  the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of XXXX My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three XXXX, Transunion and XXXX they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender 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 2024-10-29 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: OR

Complaint narrative:
My mortgage loan belong to XXXX XXXX in XXXX the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of XXXX My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three Experian, XXXX and XXXX they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: OR

Complaint narrative:
My mortgage loan belong to XXXX XXXX in XXXX  the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of XXXX My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three Experian, XXXX and XXXX they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CO

Complaint narrative:
I am a couple weeks late on my car payment and they have called me 5 times a day every day since XX/XX/XXXX. I told them when I would make a payment and asked that they stop calling me and they are still calling numerous times every day. They have called XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and twice at XXXX XXXX XXXX XXXX two times when I asked them not to call and today they have called me twice.

I have told them numerous times that I will make the payment on XX/XX/XXXX, but they will not stop calling even after I told them when I am making the payment and asked them to stop calling, especially while I am at work

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 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: WA

Complaint narrative:
I tried to withdraw XXXX USDT from my XXXX XXXX, on XX/XX/XXXX. I have never received that money since. XXXX base and crypto is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
I RECENLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY RECORD, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I got a notice from TD Bank telling me they are closing my accounts for no reason I called the customer service and the fraud department and no one can give me a reason why they closing the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: AR

Complaint narrative:
Discover claims they started a review in XXXX. They also claim they closed my acct. Yet they have XXXX XXXX  of my money and I want it back plus interest. I also thank you for having my back so well. Tbis is XXXX XXXX for XXXX XXXX XXXX. You're all reall patriots and good hearted people...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
In accordance with my rights under Section 1681s-2 of the Fair Credit Reporting Act, I formally request validation of the debt reported.

Section 1681s-2 mandates that furnishers of information must only report accurate and verifiable information to credit reporting agencies and are required to correct or remove any inaccuracies. Please provide documentation that validates the legitimacy of this debt, including a record of the original account, the current balance owed, and any relevant details that demonstrate my legal obligation to pay. If you are unable to provide adequate validation, I request that this debt be promptly removed from my credit report in compliance with FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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 am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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 dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2024-10-29 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: IN

Complaint narrative:
My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Today I received three debt letters from TRS recovery services. On behalf of XXXX XXXX XXXX. I dont owe them anything.

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