vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: MS

Complaint narrative:
On XX/XX/year>, I filed my 1 st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws TRANSUNiON has violated. 

On XXXX XX/XX/year>, TRANSUNION responded with a VERIFIED AND ACCURATE response to my 1 st complaint *** XXXX XXXX *** On XXXX XX/XX/year>, I initiated my 2nd complaint with the CFPB ( Complaint ID XXXX ) asking TRANSUNION to send me their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my 2ND complaint with the CFPB. 

On XX/XX/year>, TRANSUNION responded again with a VERIFIED AND ACCURATE response. *** XXXX XXXX *** On XX/XX/year> I requested for the 2ND time for TRANSUNION to provide me with their METHOD OF VERIFICAION On XX/XX/year>, TRANSUNION has repsonded again with a VERIFIED/ACCURATE/UPDATED response. XXXX. 
Today XX/XX/year> I AM REQUESTING FOR THE 3RD TIME, for your METHOD OF VERIFICATION in accordance with FCRA 611 ( 15 U.S.C. 168i ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Once again, I am writing to request the method of verification for dispute initiated and the subsequent response received. 

The following accounts remain on my credit report, and they should be deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion why have you not followed procedure in providing me with the original contract proving this account belongs to me???

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 2024-07-09 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:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a lawyer. Our law firm was holding {$390000.00} in trust for a client ( I will call him XXXX XXXX for the purposes of this report ) and planning to wire him money. I had been corresponding via email with my client about this money. On Friday, XX/XX/year>, I received an email from a fraudster who had spoofed XXXX XXXX XXXX email, requesting that the money be wired to a bank account at Fifth Third. I thought this email was from my client. The frauster 's email attached a letter on Fifth Third letter head with my client 's name, address, and what was supposed to be his bank account information. 

I wired {$390000.00} to a bank account at Fifth Third, listing my clients full name as the account holder and listing his address. Fifth Third accepted the wire transfer. On Wednesday XX/XX/year> ( 3 business days after the transfer ), as soon as we understood what happened, we alerted XXXX, which alerted Fifth Third that same day. A recall of the funds was unsuccessful. 

My client XXXX XXXX went to Fifth Third to see why there was a bank account in his name, and attempted to withdraw the money himself. Fifth Third told him it did not have a bank account in his name. 

We have since been informed by law enforcement that the money was moved from Fifth Third to banks in XXXX XXXX and XXXX. 

FIFTH THIRD 'S ERROR : Fifth Third accepted a wire intended for XXXX XXXX, even though the name on the bank account was not " XXXX XXXX. '' It should have rejected the wire transfer. See UCC 4A-207 ( misdescription of beneficiary ) ; OCGA 11-4A-207 ( same ). 

We have asked it to refund our money. It has refused to provide any information at all to us. The bank that we initiated the transfer from ( XXXX ) has requested the money be returned. Fifth Third requested a " hold harmless letter '' on XX/XX/year>. It has since given neither XXXX nor our law firm any response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: MN

Complaint narrative:
The following credit card account : XXXX XXXX XXXX XXXX XXXX is currently listed and showing on my XXXX, XXXX and XXXX XXXX credit report as XXXX XXXX XXXX XXXX of {$170.00} and {$360.00}. Synovus Bank sold the account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : XXXX. I made a payment to XXXX XXXX XXXX XXXX XXXX and paid the account in full. The account has been settled and paid in full, but the account is showing on my XXXX, XXXX and XXXX XXXX credit report as closed with a balance of {$170.00} and {$360.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
WORLD SOLD TO AGENCY AFTER AGREEMENT WAS REACH, THE D AND A KEPT CALLING MY FOLKS, MY WORK XXXX XXXX XXXX XXXX. XXXX AND A REFUSES TO REMOVE UNLAWFUL FRAUD ITEM FROM TRANSUNION LLC, THEY HAVE REMOVED FROM ALL CRAS.

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 2024-07-09 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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! 

XXXX5 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 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank Customer Service Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Immediate Removal of Incorrect Reporting on Credit Bureaus for Account # XXXX Dear Comenity Bank, I am writing to formally request the immediate removal of incorrect information reported on my credit reports concerning my COMENITY BANKXXXXNWYRK & CO account XXXX XXXX XXXX ). Despite this account being voluntarily dismissed with prejudice, it is still inaccurately reported across all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Details of the issue are as follows : - Account Number : XXXX - Account Status : Closed Charge Off - Payment Status : Current This incorrect reporting is in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq., specifically under 15 U.S.C. 1681c, which mandates that any account information that is inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. 

Enclosed with this letter are copies of relevant documents, including the dismissal order, my credit reports, and previous correspondence with your bank regarding this matter. 

Given the significant negative impact this incorrect reporting has had on my XXXXredit score and my ability to obtain credit, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek their intervention in ensuring that Comenity Bank complies with the FCRA. 

I request that you address this matter immediately and confirm in writing that the incorrect information has been removed from my credit reports. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, Enclosures : 1. Copy of the dismissal order 2. Copies of recent credit reports showing the incorrect information 3. Correspondence with Comenity Bank regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: IL

Complaint narrative:
My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX BA ) 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 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 2024-07-09 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: IL

Complaint narrative:
My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) to be removed. 

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! 

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, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX 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 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 2024-07-09 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: IN

Complaint narrative:
I have recently initiated disputes for the listed inquiries, and I am concerned that a thorough investigation was not conducted. To date, your company has failed to provide validated proof of the authorization for these inquiries, and I believe that they are frivolous and unwarranted. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you adhere to the FCRA requirements and promptly delete these inquiries from my credit report. 
Furthermore, I have attached a copy of the FTC report, which includes these fraudulent inquiries, for your reference. This additional documentation should underscore the urgency of removing these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: OR

Complaint narrative:
My repeated attempts to resolve the issue of fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are completely unrelated to me, and I am not responsible for them in any way. Their presence has caused me significant mental anguish and financial difficulty. As an identity theft victim, I may need to pursue legal action if this isn't properly addressed. These false and fraudulent entries have prevented me from purchasing my dream home and adequately providing for my family. The impact on my financial health has been severe. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I have tried to get this issue resolved with XXXX XXXX but they refuse to listen or even reach out to the original debt holder to verify information. I have sent a letter requesting proof of debt and all I get in return is a letter stating this is a debt you owe {$1900.00}. 

The original debt was owed to XXXX XXXX Professionals and was paid by XXXX  XXXX on XX/XX/year>. XXXX XXXX for whatever reason tried to bill the state twice for the same services which is not allowed. Leaving this " new '' balance unpaid. All attempt to reach out to XXXX XXXX have failed as all numbers listed for them are disconnected. When reaching out to XXXX they refuse to stop collection activities or verify that XXXX XXXX did in fact receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MO

Complaint narrative:
Netspend XXXX money have decided to take it upon themselves too close my account, a day after I file disputes, today I received an email saying on the XXXX I received provisional credit and that its available for use, they are illegally holding my money as they have made me wait 3 months too even get a response from them on the disputes!!! I need access too my funds immediately and they are illegally holding them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I advised that this was identity theft and opened accounts without permission and to provide proof that the collection belonged to me as well as the original amount owed and original creditors Information which to date has not been provided. Please block all collections and inquiries from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
i contacted a company Louisiana XXXXecovery services and was told it was for a dental bill and i have no knowledge of account they are reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This account has been charged off so the balance should be {$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