vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account with XXXX  XXXX XXXX ( Account # : XXXX ) Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related to my account with Bank XXXX XXXX XXXX Account # : XXXX ). Despite my previous disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion has failed to correct the inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws.

FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputed information and ensure the accuracy of consumer credit reports. The failure to address these inaccuracies in my file violates this provision.

TILA Violations According to the Truth in Lending Act ( TILA ), creditors are required to provide accurate disclosures. The late payment reporting for XX/XX/XXXX and XX/XX/XXXX contradicts the provided payment history, where I made timely payments as evidenced by my bank statements. 
PAANL Violations The Protection Against Non-Payment of Obligations Act ( PAANL ) reinforces the necessity for accurate and timely statement disclosures, which has not been adhered to in this case.

Discrepancies The following discrepancies have been identified : Date of Last Verified : Reported as XX/XX/XXXX, which is inconsistent with my account status. 
Date of Last Activity : Reported as XX/XX/XXXX, which does not align with my records indicating activity in XX/XX/XXXX. 
Late Payment Reporting : Incorrectly marked as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 
Two-Year Payment History The reported payment history does not align with the actual records. The incorrect 30-day late notations for XX/XX/XXXX and XX/XX/XXXX must be corrected immediately. 
Desired Resolution I am formally requesting : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the corrections made to my credit report. 
If this matter is not resolved promptly, I will escalate my complaint to additional regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 
Enclosed, please find the supporting documentation, including bank statements and prior correspondence. I trust that you will address this matter with urgency. 
Sincerely, 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 2024-12-27 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Never gave written consent or permission for company to furnish my information or obtain my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but TWICE ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me.

they have Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports.

please remove XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is hurting my life and preventing me from getting a auto loan. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but TWICE ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me.

they have Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports.

please remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is hurting my life and preventing me from getting a auto loan. please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NH

Complaint narrative:
I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts, and they shouldnt be there.

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 2024-12-27 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: DE

Complaint narrative:
Discovering inaccurate accounts on my credit report has been an absolute shock, especially knowing how much theyve damaged my credit score. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong 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 2024-12-27 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: PA

Complaint narrative:
To Whom It May Concern, I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.

Sub-section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub-section 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. 
ADDITIONAL UNAUTHORIZED INQUIRES - 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 2024-12-27 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:
To Whom It May Concern, I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.

Sub-section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub-section 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. 
ADDITIONAL UNAUTHORIZED INQUIRES - XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On several occasions I have reached out to Credence Resource Management in regards to a collection that doesn't belong to me ( in the amount of {$1100.00} ), but is showing on my credit report causing me significant damage to my credit score. The debt does NOT belong to me, and as a result I'm requesting verification/validation of the alleged debt from Credence Resource Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

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 2024-12-27 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: AZ

Complaint narrative:
Recently checking my credit report and noticed that I've been a victim of Identity theft and found numerous credit inquiries I have no knowledge of, here are the inquiries that I've found : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THESE FRAUDUNENT INQUIRIES I ALSO ATTACHED MY FTC REPORT AS WELL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2024-12-27 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:
To Whom It May Concern, I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. 
Sub-section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub-section 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. 
ADDITIONAL UNAUTHORIZED INQUIRES - XXXX, XXXXXXXX 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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Initially I was told that I would receive an adverse letter in the mail over 2 weeks ago and still havent received it which is a violation of FCRA including the fact that my commercial paper was accepted and used as chattel paper without my credit being extended back to me as the original creditor. 

In total I spoke with 3 people on the reconsideration line at chase bank, on the underwriter/banker I spoke with was A man named XXXX on the reconsideration line working at chase bank on XX/XX/XXXX around XXXX willingly denied me a Chase Business Ink Credit Card after I explained through 15 U.S.C 1602g, Equal Credit Opportunity Act, 12 CFR 1002, Consumer Credit Protection Act and House Joint Resolution of 1933 a natural person can not be denied any credit under any form of discrimination including credit worthiness, adverse action and capacity to contract. Once the commercial paper is accepted by the bank an applicant can not be denied credit since we are the original creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My Navy Federal account was closed after years with them for alleged fraud. They advised that my phone was used to log into someone whom I am not familiar with account. I asked was anything stolen they said no but they had to close my account because this is fraud. I advised that my phone id and purse was stolen and that I had a police report they did not offer to review. They shut my account down immediately and treated me like a criminal. I still have an active savings account and XXXX XXXX XXXX policy but they wont speak to me because they said my account is high alert which is very disturbing considering I did nothing and no crime was committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CO

Complaint narrative:
Ive done everything I can on my end to address the inaccurate accounts on my credit report that are currently in litigation, but Im getting nowhere. Ive called, written, and followed up, yet the issue remains unresolved. Its unacceptable that Im stuck dealing with the fallout from something that isnt even finalized.

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 2024-12-27 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: TX

Complaint narrative:
I reviewed a copy of my consumer credit report and I noticed some inquiries that I have no knowledge of I filed a ftc report and now I ask that these unauthorized inquiries be removed from my credit report immediately XXXX  XX/XX/year>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 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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I was charged multiple fees for months by Lexington law an didnt receive any service promised by them had to cancel my card to stop the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-27 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: GA

Complaint narrative:
My accounts 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 to be removed/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.

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!

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 2024-12-27 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: DE

Complaint narrative:
Discovering inaccurate accounts on my credit report has been an absolute shock, especially knowing how much theyve damaged my credit score. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong 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