vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: MN

Complaint narrative:
My accounts 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 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 non-monetary relief
Consumer complaint received 2024-09-24 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: NJ

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

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 2024-09-24 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: NY

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying XXXX XXXX XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 if the person knows or has reasonable cause to believe that the information 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 2024-09-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Commencing on or about XX/XX/XXXX to XXXX, XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to fraudulent investment firm ( s ). 

I want to emphasize the fact that the recipient 's account was also with the Chase bank, which means the scam was happening right under the Chase 's roof and they allowed the fraud to be perpetrated within their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-09-24 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: FL

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. I checked it as usual, but this time, unexpected discrepancies appeared. I tried refreshing the page, hoping it was a glitch, but nothing changed. The unauthorized inquiries remained. I urgently request that you thoroughly review the documents Ive sent to resolve this issue so I can finally stop worrying about it.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 if the person knows or has reasonable cause to believe that the information 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 2024-09-24 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: GA

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 2024-09-24 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:
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 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 2024-09-24 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate XXXX XXXX  Account Number:XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of th information is found to be inaccurate or incomplete or can not be verified, the consumer reportin agency shall-i ) promptly delete that item of information from the file of the consumer, or modi that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promp notify the furnisher of that information that the information has been modified or deleted from th file of 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 2024-09-24 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:
Issue : XXXX XXXX XXXX is reporting a charge-off ( CO ) on my credit report every month for the past three years, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score.

Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
XXXX XXXX Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
FCRA - 15 U.S.C. 1681i : A creditor must conduct a reasonable investigation of a dispute and correct any errors on the credit report.

FCRA - 15 U.S.C. 1681s-2 : A creditor must update the credit report to reflect any changes in the status of the debt. 
Violations : XXXX XXXX XXXX  reported a CO every month for XXXX years without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX Guideline 4.1. 
XXXX XXXX XXXX  failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report, violating FCRA - 15 U.S.C. 1681i. 
XXXX XXXX XXXX  failed to update the credit report to reflect any changes in the status of the debt, violating FCRA - 15 U.S.C. 1681s-2.

Damages : Harm to my credit score Emotional distress Loss of credit opportunities Request : Order XXXX XXXX XXXX  to correct the errors on my credit report Award damages for the harm caused by XXXX XXXX XXXX  's inaccurate reporting Impose penalties on XXXX XXXX XXXX for their violations of the FCRA and XXXX XXXX guidelines Supporting Documentation : A copy of my credit report showing the inaccurate reporting A copy of my dispute letter to XXXX XXXX XXXX  A copy of XXXX XXXX XXXX  's response to my dispute Additional Information : XXXX XXXX XXXX  's reporting of CO every month for XXXX years without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX  accountable for their actions.

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 2024-09-24 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:
Issue : XXXX XXXX XXXX  is reporting a charge-off ( CO ) on my credit report every month for the past three years, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score. 
Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
XXXX XXXX Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
FCRA - 15 U.S.C. 1681i : A creditor must conduct a reasonable investigation of a dispute and correct any errors on the credit report.

FCRA - 15 U.S.C. 1681s-2 : A creditor must update the credit report to reflect any changes in the status of the debt. 
Violations : XXXX XXXX XXXX  reported a CO every month for XXXX years without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report, violating FCRA - 15 U.S.C. 1681i. 
XXXX XXXX XXXX  failed to update the credit report to reflect any changes in the status of the debt, violating FCRA - 15 U.S.C. 1681s-2. 
Damages : Harm to my credit score Emotional distress Loss of credit opportunities Request : Order XXXX XXXX XXXX to correct the errors on my credit report Award damages for the harm caused by XXXX XXXX XXXX  's inaccurate reporting Impose penalties on XXXX XXXX XXXX  for their violations of the FCRA and XXXX XXXX guidelines Supporting Documentation : A copy of my credit report showing the inaccurate reporting A copy of my dispute letter to XXXX XXXX XXXX  A copy of XXXX XXXX Bank 's response to my dispute Additional Information : XXXX XXXX XXXX  's reporting of CO every month for XXXX years without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX  accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
Issue : XXXX XXXX XXXX  is reporting a charge-off ( CO ) on my credit report every month for the past XXXX years, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score.

Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
XXXX XXXX Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
FCRA - XXXX XXXX. XXXX : A creditor must conduct a reasonable investigation of a dispute and correct any errors on the credit report. 
FCRA - XXXX XXXX. XXXX : A creditor must update the credit report to reflect any changes in the status of the debt. 
Violations : XXXX XXXX XXXX  reported a CO every month for XXXX years without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
XXXX XXXX Bank failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report, violating FCRA - 15 U.S.C. 1681i. 
XXXX XXXX Bank failed to update the credit report to reflect any changes in the status of the debt, violating FCRA - 15 U.S.C. 1681s-2.

Damages : Harm to my credit score Emotional distress Loss of credit opportunities Request : Order XXXX XXXX XXXX to correct the errors on my credit report Award damages for the harm caused by XXXX XXXX XXXX  's inaccurate reporting Impose penalties on XXXX XXXX XXXX  for their violations of the FCRA and XXXX XXXX guidelines Supporting Documentation : A copy of my credit report showing the inaccurate reporting A copy of my dispute letter to XXXX XXXX XXXX  A copy of XXXX XXXX XXXX  's response to my dispute Additional Information : XXXX XXXX XXXX  's reporting of CO every month for XXXX years without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX  accountable for their actions.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Spring oak has continued to hurt XXXX credit with account that is not mine. Account is not present in attached XXXX report. Account has never belonged to me and account is reporting incorrect information. Even with these facts Spring Oak has diverted there fruad reports to XXXX and continues to report the account as up to date and mine without my consent and with no valid explanation. This account does not appear on any other reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX Account numberXXXX XX/XX/XXXX Price : {$150.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX, XXXX Collection account. {$3700.00} past due as of XXXX XXXX XXXX Balance {$3700.00} Fraudulent Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting the immediate removal of this inaccurate information. There are multiple inaccuracies associated with this account

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