vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that transunion will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-10-24 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-24 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:
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 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXX ( XXXX minutes ago ) to XXXX XXXX Dear XXXX and XXXX XXXX It came to my attention today XX/XX/23 my car care card was closed with a {$1500.00}. 
as statement shows payments made on time and very little interest paid. 

Also, find the Walgreen account that was reduced to a {$500.00} credit limit with a {$1500.00} credit limit card.

Please allow me to open another account and restore credit limits for Walgreens and Car Care. It is not fair when the credit report shows no delinquency recording Synchrony Bank open accounts. They are committing fraud to my accounts. 

Thank you for your concerns and consideration. 

XXXX XXXX Synchrony Bank according to the Credit report and account information reported fraudulent information based on accounts that were not delinquent and closed accounts or reduced line of credit. As you can see as of Credit Report I have not missed a payment. XXXX is paid off through a settlement with XXXX. 

SYNCB/XXXX  XXXX XXXX XXXX XXXX XXXX statements.

SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CAR CARE XXXX XXXX XXXX XXXX SYNCB/WALGREENS 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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
Subject : Dispute of Incorrect Credit Reporting Due to XXXX  XXXX Bankruptcy Discharge Dear CFPB, I am filing a formal dispute concerning inaccurate information on my credit report by XXXX, XXXX, and Equifax. I filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/year>, and it was XXXX on XX/XX/year>. This was a no-asset XXXX  XXXX case, where all dischargeable debts, whether listed or unlisted, were discharged under 11 U.S.C. 727 ( b ). 

The following accounts are inaccurately reporting late payments and charge-off statuses, despite being discharged. The screenshots of the accounts are attached. 

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from reporting debts as delinquent or attempting to collect on discharged debts. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus must accurately report the status of discharged debts. 11 U.S.C. 727 ( b ) ensures that the discharge covers all pre-petition debts, whether listed or unlisted, except for specifically non-dischargeable debts.

Please investigate and update my credit report to reflect the discharge of these accounts and remove any reported late payments or charge-off statuses.

Enclosures : Copy of Bankruptcy Discharge Highlighted Credit Report showing errors Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
Subject : Dispute of Incorrect Credit Reporting Due to XXXX  XXXX Bankruptcy Discharge Dear CFPB, I am filing a formal dispute concerning inaccurate information on my credit report by XXXX, Experian, and XXXX. I filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/year>, and it was discharged on XX/XX/year>. This was a no-asset XXXX  XXXX case, where all dischargeable debts, whether listed or unlisted, were discharged under 11 U.S.C. 727 ( b ).

The following accounts are inaccurately reporting late payments and charge-off statuses, despite being discharged. The screenshots of the accounts are attached.

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from reporting debts as delinquent or attempting to collect on discharged debts. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus must accurately report the status of discharged debts. 11 U.S.C. 727 ( b ) ensures that the discharge covers all pre-petition debts, whether listed or unlisted, except for specifically non-dischargeable debts.

Please investigate and update my credit report to reflect the discharge of these accounts and remove any reported late payments or charge-off statuses. 

Enclosures : Copy of Bankruptcy Discharge Highlighted Credit Report showing errors Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I am disputing an inaccurate late payment reported on my XXXX XXXX XXXX  account Account # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Equifax, requesting the removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-24 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: Westcreek Financial
State: GA

Complaint narrative:
Dear CFPB Team, I am writing to formally lodge a complaint regarding a transaction with WC / KOALAFI that has resulted in both defective furniture and incorrect reporting on my credit report. 



On [ insert purchase date ], I purchased furniture from WC / KOALAFI ( Loan Number : XXXX ). Shortly after delivery, I discovered that the furniture was defective and not fit for use. I contacted the company to report the issue, and they arranged to pick up the furniture. 



However, upon review of my credit report, I noticed that WC / KOALAFI has reported this incident negatively, despite the fact that the furniture was returned due to defects. This appears to be an illegal and unjust practice that has adversely affected my XXXX XXXX. 



I request your assistance in resolving this matter. I would like the CFPB to investigate this situation and ensure that WC / KOALAFI removes any negative reporting related to this transaction from my credit report. 



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



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To : XXXX, XXXX, XXXX Credit Report Companies I went to my mailbox on XXXX, I saw a ligation from XXXX XXXX XXXX XXXX Stating i was being sued for XXXX by Citi-Bank which I have Several debit card accounts.. I don't recall ever having a credit card, I went to the court to investigate, Only to find out I was being sued. I wasn't informed prior as a valued customer who no history delayed payment, see credit report history. Also, I tried reaching out Citi 's legal dept, without sucessI never received a call. I tried to reach Citibank with no success. Also the Company they signed the Dept to without my awareness. I can't recall signing a contract.Also I did not give CitiBank the authority to give my inforamtion CiTi Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed a/c # XXXX XXXX XXXX ( XX/XX/XXXX ) ( multiple card Numbers ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NY XXXX XXXX all the banks in the courtroom. 
According to 15USC-1692C The law clearly states if the consumer notifies the collector he/she /him/they refues to pay .The collector should cease all communication with the 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 non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Under the doctrine Estoppel by silence, Engelhardt v. Gravens ( MO ) XXXX XXXX XXXX, XXXX I XXXX presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted LVNV FUNDING on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV FUNDING a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have XXXX accounts on my credit that does not belong to me. I asked LVNV FUNDING to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing the accounts from all three credit bureaus ( XXXX, XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV FUNDING and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe LVNV FUNDING. You can not because this is not my debt nor do I owe LVNV FUNDING anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM LVNV FUNDING NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I would like to remove the authorized user account XXXX XXXX XXXX Credit Card with a {$5000.00} credit limit from my credit report. I do not want it to be on my credit report anymore.

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 2024-10-24 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: WI

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX were 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 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 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 2024-10-24 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: WI

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were 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 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 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 2024-10-24 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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