vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 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 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 2024-12-12 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:
After reviewing my credit report, I discovered some inaccurate accounts that does not belong to me. Please review the documents I have attached.

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 2024-12-12 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2024-12-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2024-12-12 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: CA

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card incorrectly reported a 30 day late payment for XX/XX/year>. They have made it impossible to make a payment as they have blocked my apple wallet, they closed my account for no reason, they have blocked my online access to make a payment, no automated system and hours long wait to speak to a representative. It is disgusting how they treat hard working people who are trying to get by, my credit just dropped XXXX points bc of them! I have a complaint going to the XXXX and Attorney General as well

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

Complaint narrative:
I've discovered incorrect billing information on my credit report, showing late payments I didn't make. Please update my account to reflect my accurate payment history.

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 2024-12-12 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:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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

Complaint narrative:
I am asking for your help with the incorrect account reflected on my credit report. This issue has harmed my standing as a customer, and I need your intervention. These accounts must be removed as they are reported incorrectly and are damaging.

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint and request assistance regarding a debt that has been reported by LVNV Funding LLC on my credit report. I am unsure of the validity of this debt and have attempted to resolve the matter directly with the debt collector without success. 

Here are the details of the debt in question : LVNV Funding LLC Account Number : XXXX Amount reported : {$2300.00} I have previously requested validation of this debt from the debt collector on [ Insert Date ], but I have not received sufficient evidence to confirm its legitimacy. I am concerned that this debt may be inaccurately reported, and it is causing harm to my creditworthiness.

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that this debt be validated. I kindly ask the CFPB to investigate this matter and assist in ensuring the debt collector complies with applicable laws. If the debt can not be validated, I request that it be removed from my credit report immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$640.00} XXXX XXXX BALANCED {$830.00}

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 explanation
Consumer complaint received 2024-12-12 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 : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : TransUnion XXXX {$660.00}, XXXX : {$660.00}, XXXX XXXX {$500.00} Date of Last Verified : TransUnion : XX/XX/XXXX Date of Last Activity : TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXX, XXXX  : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX ( 30  days late ) and XXXX ( 60  days late ) for XXXX Despite multiple requests for correction through disputes filed on XX/XX/XXXX and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Follow-Up Letter with Intent to Sue XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Follow-Up on Dispute Under 15 U.S.C. 1681i ( 7 ) and Notice of Intent to Sue Dear XXXX Dispute Department, I am writing to follow up on my formal dispute submitted on XX/XX/XXXX, regarding inaccuracies on my credit report. As outlined under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), you were required to complete your reinvestigation and provide a response within 30 days. To date, I have not received a satisfactory resolution or any documentation substantiating the verification of the disputed accounts. 

List of Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA , you are required to provide written evidence of your reinvestigation process, including the methods and records used to verify the accuracy of each account. Your failure to comply with the statutory deadlines for reinvestigation constitutes a violation of federal law and has caused harm to my financial standing and creditworthiness.

Demand for Immediate Action To resolve this matter, I demand the following : Immediate removal of any unverifiable or inaccurate information from my credit report.

A complete copy of the reinvestigation documentation, including the methods and records used for verification, for each disputed account.

A written explanation of why you failed to meet the statutory deadlines under the FCRA.

Notice of Intent to Sue If I do not receive a satisfactory response and resolution by [ Insert Deadline : typically 710 business days from the date of this letter ], I will have no choice but to pursue legal action. Under the FCRA, I am entitled to seek actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reimbursement of attorney fees and court costs for willful or negligent noncompliance.

This letter serves as my final attempt to resolve this matter amicably. Please direct all future correspondence related to this matter to my attention at the address provided above or via email at XXXX. 

Sincerely, XXXX XXXX XXXX

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/scrub>XXXX  {$660.00} I have called and spoke with multiple representatives and supervisors. They are refusing to give me my money. They are also claiming that they do not see it. I have proof from my employer that my deposit was made to the right account. They are just trying to force me to make a claim that it is missing and refusing to provide documentation of the issue they claim to be experiencing. There has not been any reports of delays made for deposits ; however, they have done this to others before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a credit card through XXXX for American Express blue cash card and was approved. When I called and spoke to customer service, they put me through to new card application. I spoke to a gentleman on the phone who did not understand the truth in lending act. He got me in contact with the supervisor, who then would not disclose to me if I was approved for 0 % APR as well as 0 % on balance transfers she also told me that she was not allowed to disclose my APR before accepting. She told me the only way that I would know my APR is if I accepted the card and that there is no way to disclose before accepting leaving all the risk within the customers hand. This is a foul and misleading way to trap people into accepting credit cards that did not Disclose any information about the card prior to accepting she also told me she could not tell me what the credit limit is and it only is available once the card is accepted

Company response to consumer: Closed with explanation