vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-12-05 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to review my report online along with past disputes and trying to start new disputes on the transunion website. It has not allowed me to in months. I have called in over XXXX times about this and also went through trouble shooting with tech support multiple times and my account will not allow me to use any of the online service center options. I have logged in on different devices as different times nothing is working and TransUnion is not helping with the process. I also can not access it on any credit monitoring website or on 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 2024-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I submitted a XXXX XXXX XXXX XXXX to have my private XXXX  loan, serviced by XXXX, XXXX on the basis that my school defrauded and mislead XXXX. My federal student loans were XXXX based on the XXXXXXXX XXXX XXXXXXXX 's findings, yet XXXX ( now Mohela ) denied my application for some reason, I am waiting to find out why. The private loan I have is from my attendance at the XXXX XXXX in XXXX in XXXX. 

On XX/XX/year> I submitted the XXXX XXXX XXXX XXXX. 
On XX/XX/year> I received the notice that my application had been denied. 

I will be sure to email the XXXX XXXX XXXX XXXX to the ppsl.org inbox as it is too large to attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I am filing this complaint regarding Acima Leasings inaccurate furnishing of information to credit reporting agencies, as well as XXXX failure to maintain maximum possible accuracy. 

XXXX. Acima Leasing claims in its XX/XX/XXXX, response that my first missed payment occurred on XX/XX/XXXX. However, my XXXX credit report for XX/XX/XXXX shows the account as current, contradicting Acima Leasings claim.

2. Despite this, Acima Leasing reported the account as delinquent, resulting in a charge-off status on XX/XX/XXXX. 


These actions violate the following federal statutes : 15 U.S.C. 1681e ( b ) : XXXX obligation to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibition against furnishing inaccurate information.

15 U.S.C. 1692e : False and misleading representations in debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XX/XX/XXXX {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding fraudulent medical debt collection resulting from identity theft. I have been contacted by your organization about a medical debt that I believe is not mine and was incurred as a result of someone using my personal information without my consent.

Below are the details related to this issue : My Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # Lot : XXXX XXXX, Alabama XXXX Phone Number : ( XXXX ) XXXX Account Number ( if applicable ) Date ( XXXX ) of Service ( if applicable ) XXXX XXXX I have reason to believe that the medical debt in question was incurred through identity theft for the following reasons : 1. Unfamiliar Provider : I do not recognize the healthcare provider ( s ) listed in your communication and have never received services from them.

2. Unfamiliar Medical Procedures/Charges : The specific medical services and charges listed are unfamiliar to me, and I have not authorized or undergone any of the listed procedures.

3. Report of Identity Theft : I have already reported the theft of my personal information to the [ police department, identity theft protection service, or relevant authority ], and a case has been opened to investigate the unauthorized use of my personal details. ( Include police report number if applicable. ) Given this situation, I request the following actions be taken immediately : 1. Immediate Halt to Debt Collection Cease all collection attempts and reporting of this fraudulent debt to any credit reporting agencies until this issue is resolved.

2. Verification of Debt Please provide a complete, detailed account of the debt, including the name of the medical provider, dates of service, and the charges in question. I will need to review this information to confirm whether it is related to my identity theft case.

3. Identity Theft Documentation I request that your organization work with me to resolve this issue by accepting a copy of the police report and/or identity theft affidavit I have filed, to show that the charges are not mine and were incurred fraudulently.

4. Investigation and Resolution I request that you conduct an investigation into the fraudulent nature of this debt and provide me with written confirmation that it will be removed from your records and my credit file if the debt is found to be fraudulent.

Failure to take these actions or to continue collection efforts on this fraudulent debt will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the state Attorney Generals office, and any other relevant agencies.

Please acknowledge receipt of this complaint and provide a response within XXXX business days Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> approx. XXXX, i went to an XXXX XXXX  XXXX ATM, located @ XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX, to with draw {$340.00}, atm fee of {$3.00}. When I put in my information in the atm i was given a message that stated, Transaction Error. No money and no receipts were issued. An hour later I got a text message notification stating that the {$340.00} from that XXXX XXXX XXXX ATM had been removed from my CHIME checking account. 

I immediately filed a dispute with my bank, CHIME, and they informed me they could not start a dispute on a " pending '' transaction. I waited the couple days for the transaction to no longer be pending and filed my dispute with CHIME. After about XXXX business days i received an email saying their investigation had concluded and they found that no error had occurred and that they would not be reimbursing me the {$340.00} i never received. 

After hearing back from CHIME i contacted XXXX XXXX XXXX XXXX, the owner of the ATM, and they stated that there was nothing they could do on their end. Because all they would do was what i had already done, and filed a dispute with my bank, CHIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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



XXXX XXXX XXXX  XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2024-12-05 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: MA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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



XXXX XXXX XXXX  XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2024-12-05 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: GA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts and inquiries have been identified on my credit report. I request that these accounts and inquiries be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: MI

Complaint narrative:
I am writing to formally dispute the collection account associated with XXXX XXXX XXXX ( Account # XXXX ) listed on my credit report. After a detailed review, I believe this account contains inaccurate and/or incomplete information and requires immediate correction or removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Account Details : Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Account Type : Collection Date Opened : XX/XX/XXXX Reported Balance : {$110.00} Status Updated : XX/XX/XXXX Nature of Dispute : 1. Incomplete Validation : I have not been provided adequate validation for this debt. Under FCRA 1681g ( a ) and related case law ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Cir. XXXX ), I am entitled to accurate and substantiated reporting. 
2. Conflicting Information : There are discrepancies in the reporting of this account. The Status and Status Updated dates are inconsistent, which calls into question the accuracy of this entry.

3. Potential Inaccuracies in Balance : The reported balance of {$110.00} is contradictory to my records, and the original creditor has not provided sufficient evidence of this alleged debt.

Requested Actions : I am requesting the following actions to resolve this matter : 1. Verification and Validation : Conduct a reinvestigation under FCRA 1681i ( a ) to verify the accuracy of the account details.

2. Documentation from Original Creditor : Provide documentation supporting the validity of this debt, including the original agreement and payment history.

3. Correction or Deletion : If the furnisher can not validate the accuracy of this information, I request that you remove this account from my credit report immediately.

Under the FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The inclusion of inaccurate and incomplete information violates this standard. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX ), it was affirmed that credit bureaus must take actionable steps to verify disputed information within a reasonable timeframe. 

Additionally, I request a reinvestigation of these accounts under FCRA 1681i. I expect your organization to : Contact the original creditors or furnishers to verify the accuracy of the information. 

Remove or correct any unverified or inaccurate information promptly. 

Provide me with the results of your reinvestigation and an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: IA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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